davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AL)

To whom which may concern, I bought the {$500.00} Master Gift card ( ending in XXXX ) at a grocery store on XX/XX/XXXX. When I tried to check the balance and register the card, it said I needed to call in. Then I made the call on the same date and the representative told me the card was deactivated due to safety reason. He asked me to submit a form online XXXX XXXX XXXX XXXX XXXX then it would take about one week to get the replacement card. I then went to the website and filled in all the required info the same day. However, I have not received any replacement card as of today XX/XX/XXXX. I called the customer service several times and they said they did not receive any of my forms. I tried to go to the website to submit the form again but the website kept saying " Your request can not be completed at this time. Please contact the number on the back of your card. '' The phone representative could not help and even hung up my call. Is there a way to get my money back? It has been about three weeks!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my utmost frustration and disappointment with your inadequate response to my ongoing dispute regarding inaccurate and invalid negative items reported on my credit file.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

I've been receiving my Child Support on a Prepaid Debit Card for years that is offered through the XXXX with no problems up until XXXX of 2023. Actually, other incidences occurred during months prior but didn't involve charging me fees that are supposed to be against Illinois State Law. This XXXX XXXX XXXX XXXXXXXX, first, started sending me Account Activity Statements some months back. Ok?! Then, I started having issues removing my money from the card. Called & complained. All of a sudden, in XXXX they start charging Atm Withdrawal Fees & Checking your Balance Fees ( which again, for my card, is supposed to be against Illinois State Law ) so I called and complained. This kept occurring no matter which way I told these incompetent people that I am not supposed to be charged these fees as I am in Illinois & Never left Illinois. In fact, I only go to 2 ATMs. They've made up every excuse they can think of to continue to charge me fees. Ive had it! I had to change my Child Support back to checks bc these people are discriminating snakes. Now I have to pay to cash my checks bc these people can't do their jobs. Im out all these fees as well. This is Not Right!!!! Why make it a Illinois State Law if Not One Person is gon na do anything about these people charging you Atm fees when their not supposed to be? It clearly says it right on the bottom of their aapplication online for the Comerica Mastercard Child Support Illinois which is the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX says Comerica Debit MasterCard ). This is Wrong!
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

They are still showing on my report I've requested to have a fraudulent card open and used from XXXX XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX AV A XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio (TX)

I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. XXXX  has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
Consumer complaint received 2018-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I opened up an account on XX/XX/2018 and it is only one account an they have have it listed as two synchrony bank accounts, I have attached a copy of my credit report and XXXX  is showing this, I want this corrected thank you.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Portfolio Services, Inc. (NC)

During the pandemic, I suffered financial hardship. I contacted my vehicle loan agency, Consumer Portfolio Services, and my payments were deferred. I caught up with all my payments and noticed on my credit report, that my payments were being reflected as late along with a delinquent account status. I sent a certified letter to Consumer Portfolio Servi., informing them and requesting that they adhere to 15 U.S.C . 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ) - The Cares Act Provision regarding credit protection and credit reporting during the pandemic along with the CFPB 's FAQ 's guide to the Reporting under the Cares Act. I explained that my account must reflect a current status ; which they received on XX/XX/2023. A month later, my account status was changed to current, however my payment history field does not reflect a current status. The monthly payment history field is missing current statuses for each month that the deferred payments were paid and is not being reported accurately according to the Care Act. I spoke to the Trade line Supervisor, XXXX, on XXXX, to correct this inaccurate information and sent him an email of my original letter stating the Cares Act. After taking it to upper management, they have decided not to update my payment history field to accurately reflect a current account status and only add a code, which does not satisfy their obligation under the Cares Act.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (GA)

Exeter Finance discharged the debt associated with my loan via the IRS XXXX process for the full amount. I have also sent in several payments to pay the full amount of the vehicle, and Exeter kept all payments and refused to add the payments to my account. Instead they sent a repossession company to my home at XXXX. They are attempting a repossession, on a debt they discharged and I paid XXXX. It is illegal to collect on paid and discharged debt, however they continue to try and collect from me and take my vehicle.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I contacted my credit card company about a dispute of a charge. I didnt receive the services. I clearly told them what happened. 

But the credit card company rep were in XXXX and could not properly speak XXXX. I explained my issue so many times to them. Even after he said he understood I dont think he did. 

I told him I did not receive the service I paid the company. The merchant lied to them and didnt even get back to me. The rep from chase said he would get back to me and he never did. They just closed out the dispute. I told him I was away on vacation. 

The rep said dont worry I will call you back. 

The merchant clearly didnt provide the services. 

This is why these disputes should be handled by XXXX and not someone overseas who cant properly speak XXXX.
Consumer complaint received 2020-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (WA)

I was 6 days late on paying the entire full balance because I dont get the bills telling me promotional rate is done. 

Even all the emails didnt have the dates written. 

So payment was due in XXXX but I guess it was 6 days late and I was charged {$1400.00} in interest only!! 

Its my fault for not paying after 12 months but I never got notices or even few day grace period
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, registered under the email address XXXX. I firmly believe that this limitation was a result of a mistake, and I would like to provide my case for your re-consideration. 

Firstly, I wish to emphasize that I have always strived to abide by PayPal 's policies and guidelines since the inception of my account. I have not knowingly engaged in any activities that would violate the terms of service. As a law-abiding user, I value the trust and security provided by PayPal for online transactions. 

I am extremely concerned about the limitation imposed on my account and its potential impact on my ability to conduct essential financial transactions. Having relied on PayPal for various online purchases and payments, I have come to appreciate the convenience and safety it offers. 

I kindly request PayPal to re-investigate my account activity comprehensively. I am confident that a thorough examination will reveal no breaches of PayPal policies on my part. I hope that upon re-evaluation, you will find my account to be in good standing, and the limitation can be promptly lifted. 

I understand that PayPal must diligently uphold the integrity of its platform by safeguarding against any potential risks. In that same spirit, I trust that PayPal will recognize my genuine commitment to maintaining a secure and compliant account. 

I sincerely hope you will reconsider the decision and restore full access to my PayPal account. Your prompt attention to this matter would be greatly appreciated. If you require any further information or clarification, I am more than willing to provide whatever assistance necessary.
Consumer complaint received 2020-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

my taxes were garnished without me receiving any notices or phone calls about going into default. i got one email XX/XX/2019 saying my balance was due.i no longer can log into that email, i assume i would beg a call or something if my account was being taken into default nobody reached out to be a payment. Then i have loans on there that i havent even used. And a refund on there i did not receive. this is really ridiculous and i am now trying to figure out how to get my money back because i have XXXX   small kids and no money. a part time job, doing XXXX  and XXXX XXXXs on the side so i can pay my expensive rent. to put me in an offset but NEVER MAIL A LETTER IS COMPLETELY OBTUSE
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Hello, I stepped into the branch to speak to a representative regarding transactions that will post to my account. Currently, I share a checking account with my husband. There were two items in which were coming out our account ACH. I explained to the representative that I contacted the company to stop the ach. And remove the automatic debits. I was informed my husband would have to do it. I explained that my husband is in the hospital and unable to contact them. I was told by the chase rep it was nothing I can do. Thus, I ended occurring 3 overdraft fees because of this. 

I know have a power of attorney document that was presented to the company and the account is no longer on automatic withdrawals. The chase representative should have offered me a solution. We receive XXXX checks that come in the mail and sometimes they are late and this is what happened. I went back to the branch and asked if they could waive the overdraft fee and they said to call customer service. I called customer service and they said no
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MA)

On/around XX/XX/XXXX I opened an online account with Citibank, to which I deposited {$25.00}. I also opened an account with XXXX XXXX XXXX, as their bank has more locations in the XXXX area. I opened the accounts so that I would have a bank local to this area, and to deposit an inheritance from my Mother 's passing in XX/XX/XXXX. 

Needless to say, I have had nothing but issues with Citibank. First, I received the card that would not allow me to activate. When I contacted their customer service, XX/XX/XXXX, I was told the account was put on hold and closed due to them not being able to validate my information via XXXX. Citibank informed I would be receiving the refund for the deposit balance via check in the mail. I contacted XXXX and was informed that my credit report was locked, thus, the reason Citibank could not open my account. I had my report unlocked at that time. Later this same week I received my XXXX XXXX XXXX account information. 

Several weeks go by and I had not received the refund from Citibank, so I contacted them again, XX/XX/XXXX, and was informed by a customer service representative that they could not locate the account or a deposit refund. I asked to be transferred to a supervisor who also attempted to locate my account, only to scroll down and find that it was on the next page of their information. He put me on hold for about 30 minutes, telling me they had not yet closed the account due to a hold placed on the account, but he would look into and ensure it was closed and I received a refund. He said they would contact me if anything further is needed, and that I would be receiving my refund in 5-7 days. 

Today, XX/XX/XXXX - Still no refund. Contacted Citibank, and they informed that this account is with the fraud department and would need to be closed thru them. I am beyond mortified and the level of customer service provided by this institution and their lack of support in that regard. I am not certain I'll ever receive a refund but wanted to file a formal complaint, as this, in more ways than one, infringes on basic consumer rights. NOTE : Each step of the way, I have verified my idendity on many occasions SSN, DOB, Address, Mother 's Maiden name ... feels like they even want my first born! It's crazy that I have to verify this information OVER, and OVER, and OVER, and OVER throughout 1 phone call with 1 person.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In disdain of my previous request, I found out that the inaccurate items still appeared on my credit file. I value your help to REMOVED some of the items in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 credit bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've already include this report for a past letter and I am including it once more. These are the following fraudulent items that are needs to be deleted : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/year>. I noticed a discrepancy on my EQUIFAX CREDIT REPORT. I called XXXX XXXX, and explained the discrepancy The report showed an incorrect posting on my XXXX XXXX  ACCT ENDING IN XXXX, instead of XXXX XXXX  it is reporting the CREDITOR as XXXX XXXX. I DISPUTED the discrepancy ( confirmation # XXXX ) on XX/XX/year>. Called and spoke with Customer Service they told me to contact their Credit Bureau Dispute and scheduled a phone meeting, have not heard from them, so I signed up for XXXX XXXX ON FRIDAY XX/XX/year>. After I disputed the discrepancy I received a notification from XXXX, regarding TRUE NAME FRAUD, ID ALERT # XXXX, also filed a fraud alert on my EQUIFAX CREDIT REPORT. AS OF TODAY XX/XX/year>. I have not received a response from XXXX XXXX  to correct this issue.