davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-06-02
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. (FL)

I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX , Equifax and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been two years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
Consumer complaint received 2020-02-12
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: U.S. BANCORP (OR)

Last summer my wife and I purchased airline tickets through XXXX. Our two ticket invoice totaled {$810.00}, and we were provided an itinerary number for the flight. When our mastercard statement appeared the next month, there were two charges and three refunds from XXXX listed on our account. The two charges were for {$3200.00} & {$800.00}. Then there were three refunds for {$410.00}, {$330.00}, and {$330.00}. Two itinerary numbers were listed for these five transactions, and neither were our itinerary numbers listed on our purchase. 

I reached out to XXXX, and they stated the two itinerary numbers listed on the card purchase were not in their system, and suggested I reach out to Mastercard to get this taken care of. 

After reaching out to Mastercard, they initially went through the Dispute process. A month or so later, I received a letter saying my claim did not fit the dispute process. When I called back to Cardmember Services, the claim rep stated I should go through the Fraud process. A fraud claim was initialized at that time. Charges were removed, and after a month or so, put back on my card claiming the fraud charge was not accepted. 

I now have 10-15 emails from XXXX stating the itinerary numbers are not something on their system, so they can not issue a refund. Cardmember Services has closed my fraud case stating that they are unable to process the fraud charge, even though XXXX says they have no record of those charges. 

In the meantime, I now have been overcharged {$2100.00}! Neither company is willing to help through the process and has turned into a constant, " don't look at us, you need to go to them ''. I have no issue paying for the {$810.00} flight that my family took last summer, but being overcharged {$2100.00} is just plain robbery. I have been bounced between a dozen customer service reps between XXXX and Cardmember Services, and have more or less been cast to the side.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

In XX/XX/XXXX, I attempted to file an online dispute with Equifax. I answered all of the security questions correctly. I was denied access to filing a dispute online. I attempted to gain access a handful of times and was was again told " my identity could not be verified. '' I decided fine, I will pay for a one time credit report. I was given the same security questions I was provided before. I answered them the exact same way. I was granted access. My credit report was valid for 30 days. Now in XX/XX/XXXX, I have again attempted to file a dispute on my Equifax credit report. I have entered all of the correct demographic information and again have answered the security questions the same way I did before ( accurate based on what is reported on my credit report ). I am again being denied access and being told that I could not be verified. Today, XX/XX/2017 I called and spoke to Equifax. I explained my situation and I also explained that them forcing me to purchase my credit report in order to file a dispute is illegal. The representative told me there was nothing he could do to fix the online access but he can file a dispute for me over the phone. I explained I did not want to file a dispute on the phone, I want my issue corrected online and I would like to file my own dispute online. He repeated again that he does not have access to the online system. I asked him to transfer me to someone in his organization that can. He stated I could n't talk to anyone. I asked for a supervisor. I was transferred to a supervisor. She took my information after I explained my situation. She placed me on a long hold. She told me that all of my information looked correct. She offered to file a dispute over the phone. I again stated that I did not want to file a dispute over the phone. I indicated that I am not having this problem with XXXX or with XXXX. I stated again, I feel like they are forcing people to purchase their report online in order to file a dispute online and I think that is illegal. She stated there was nothing she could do with the online system. I asked to speak with someone who could. She stated that if she transferred me to a supervisor they were going to probably say the same thing. I said to her " I thought I was speaking to a supervisor. '' She stumbled on her words and then stated " if I transfer you to another supervisor. '' I asked her to transfer me. She placed me on a long hold. I hung up.
Consumer complaint received 2017-06-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

This complaint is being submitted on behalf of the homeowner by her advocate. The homeowner is a low income  XXXX   year old wi dow. Her back door neighbor passed away over a year and a half ago. It is her understanding that the surviving family members of the deceased borrower hold no interest in the property because the property is underwater. The property is not being maintained by anyone. The despair is affecting the homeowners shared fence and backyard.   XXXX  The homeowner reached out Ditech to discuss the nuisance the property was causing. Ditech representatives referred her to their property preservation department, who never answers or returns her calls. It appears that Ditech is using tactics to not be held responsible, because theyre aware of the property being vacant and causing a nuisance, yet no notices or actions to remedy the problem have occurred. The homeowner is left to maintain the falling fence and potential blight out of her own pocket, which is causing her an economic hardship.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I received a promotional offer on my Chase Freedom card for a total of 10 % cash back on hotels booked through Chase Travel in XX/XX/2019. The offer promises 10 % cash back on up to {$2500.00} of hotel purchases. The 10 % cash back includes the usual 1 % that the card offers on all purchases, plus a bonus 9 % back, for a total of 10 %. Screenshots of the offer and the fine print are attached. 

On XX/XX/2019 I booked a hotel through Chase Travel for  {$600.00}. This is the only purchase I have ever made through Chase Travel. I received the usual 1 % cash back on the purchase, but I did not receive the 9 % bonus cash back. Chase posted XXXX bonus points to my account, when they should have posted ( XXXX ) x ( 9 ) = XXXX bonus points. A screenshot of the bonus reward activity for my Chase Freedom card is attached. 

I spoke to four different Chase representatives by phone on XX/XX/2019, but none of them indicated that they could resolve this issue.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

In Q4 XXXX, an account co-owner was removed from our Chase Rewards credit card account and ownership was transferred to me. I provided required documentation to assume this ownership and provide my identity. We have consistently made timely, full payments and been customers since XXXX. On XX/XX/XXXX, I learned my account was closed because my employees were unable to purchase gas. I logged in online and saw a notice that my account was closed. I called customer service immediately and was told that one call was placed to me in XXXX. I was told that they didn't receive an answer and didn't leave a message. Then, a letter was apparently mailed on Friday XX/XX/XXXX, which I have not yet received. My account was closed on Monday, XX/XX/XXXX because, as I was informed for the first time, " some piece of information I submitted in XXXX was hard to read/see. '' Neither the customer service representative, supervisor, nor floor manager with whom I spoke could confirm which piece of information I submitted was illegible. I was told they didn't have the authority over the phone to re-open the account. I was directed to send a communication online and fax a letter to see if someone else could resolve the issue. It was suggested that I open another account. I sent the message and the fax. I have not heard a response from Chase. 

The mishandling of this situation interrupted my business as employees out in the field can not purchase gasoline or supplies, caused distress for me and my employees, and has taken my time away from managing my business.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I am concerned that I have been overcharged for the interest and fees on my account and have contacted PayPal Credit on numerous occasions requesting paper copies of monthly billing statements dating back to the time I opened the account in XX/XX/XXXX. I have requested these statements both online as well as over the phone in which I have spoken to several Customer Service Representatives and each time I call I am told I can expect to receive the statements in the mail within 10-14 business days yet the only statements I have received date back to XX/XX/XXXX. I want a paper copy of the billing statements for my account from the time I opened the account in XX/XX/XXXX. I know that the payments I have submitted have not been credited to my account appropriately and since it is IMPOSSIBLE to get a straight answer from any " Representative '' when I do call, I have to do my own investigation in which I will be charging for btw. I have attached a summary of the recorded dates I have called PayPal Credit along with the name of the " Representatives '' I have spoken with.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I new debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXX XXXX  XXXX. I have that hard to believe when I actually have documentation directly from XXXX showing this balance is PAID IN FULL!!!
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

XXXX XXXX refused to reply to several letters mailed and hand delivered to them by me. By their own records the amount is incorrect and they refuse to correct. They ( XXXX XXXX ) Confirmed to Receivable Management Systems incorrect amount and that I will at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived in PA. Receivable Management Systems refuse to comply with the Fair Debt Collections Act after providing them with a cease and desist letter with 30 of letter denying the claim.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tulsa Adjustment Bureau (OK)

XX/XX/2019 A lady called my work, demanded to speak to myself. My co worker asked to take a name and number she told her name and the company she was with XXXX XXXX. I called her back, she was very hateful telling me that if I didnt pay this {$120.00} I will be sued and my wages would be garnished, asked my why it wasnt paid, why did I let it get this far into collections, I advised her I wasnt aware it was turned over, she said she will be taking legal action if it wasnt paid today. I told her well I dont owe you I owe the hospital, she said well now u owe me. And you need to pay up. I got mad and hung up on her bc she called my work to begin with instead of my cell phone. She then attempted to call my work again several more times. Within the next few days, several times a day.
Consumer complaint received 2017-06-02
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. (ND)

The credit bureau is reporting that I owe {$410.00} for an account under the name "   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "   XXXX   ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous times ( since  XX/XX/XXXX  ) only to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am getting alerts from the bank app telling me my account balance is {$400.00} when it is {$29.00} this has been happening for years and I feel it's BOA 's way of trying to get customers to overdraw their accounts.
Consumer complaint received 2020-02-12
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: CITIBANK, N.A. (KS)

This is regarding dispute number XXXX. 

The charge was on XXXX, it was disputed on XXXX, and a permanent credit with no additional documentation was issued in my favor on XXXX. I am submitting additional documentation for your records for Citbank 's record 's because billing disputes doesn't seem to be doing their jobs properly. 

As you can see, my copay was {$10.00}, but XXXX XXXX billed me {$20.00} in error. I reported the problem to XXXX XXXX and they failed to reverse the charge, so I disputed it. Over two months later, within the dispute period, XXXX XXXX finally issued a credit to my account on XXXX. So they were obviously alerted by Citibank to the continued problem with the billing error and credited the account. But it appears Citibank had yet to catch their credit because the disputed history still showed the amount as permanent on XXXX. I figured Citibank would eventually reverse the charge, honestly forgot about it as well, but Citibank didn't reverse it until I withdrew it and notified them in writing. 

I am assuming Citibank didn't catch it is because it was listed as a permanent credit? I tried to search for a {$10.00} rebill through Citibank 's transaction history, but I was never able to find one at the time because their website kept kicking me out and sporadically would not perform searches properly So, I ended up having to comb through my statements that I have saved for my records. I still can not find a rebill for {$10.00}. 

I also need to verify that this charge was not listed as misrepresented. If it was listed as misrepresented, I will need to take it up with XXXX XXXX 's as well at the state healing board. 

I am including the following documentation : a copy of the XXXX XXXX 's dispute, a copy of their eventual credit dated XXXX, my XXXX XXXX XXXX XXXX XXXX claim, the XXXX XXXX 's withdraw, the XXXX XXXX 's rebill that shows a posted date of XXXX ( this is well before my withdrawal dated XXXX, so I am unclear why they used this date ), and a screen print of the alert I sent to billing dispute. 

Finally, they should have asked me for all of the supporting documentation during the dispute period.
Consumer complaint received 2020-08-26
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: Tesla, Inc. (DE)

I have a loan with TESLA and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TESLA and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-05-23
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. (FL)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Since XX/XX/2021 I filed several certified mailed in disputes and have called multiple times but received no response from XXXX, Equifax, and XXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the financial burden you caused me. My information was also impacted by the multiple data breaches and may have got into the hands of the wrong person. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the accounts, they failed to provide evidence to support ownership of the accounts, they did not furnish the paperwork required to show 100 % proof that I own the accounts.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax, has incorrect information and they are unwilling to help me resolve them. I have not been able to process a dispute with them that is effecting my score. They lowered my score by 44 points due to them stating that my utilization is 84 %, but I have no accounts open since all accounts are protected under chapter XXXX.I tried online and calling and still they refuse to help me get the information corrected. They are not very helpful in getting me the help I need. They refuse to let me speak to a manager. They have errors in the report as well as my profile on record. They want me to send my SSN by mail to them. I cant believe that this is the only way to resolve my issue by sending private information by mail.