davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to IQ Data to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Consumer complaint received 2017-09-08
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. (MN)

Between
mid-XX/XX/XXXX and XX/XX/XXXX Equifax experienced a cybersecurity breach. The company discovered the hack on XX/XX/XXXX. On XX/XX/XXXX the company made it known that the intrusion may have affected around 143 million U.S. customers. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, credit card numbers, and dispute documents with personal identifying information were accessed.
I learned about it the next morning, today, XX/XX/XXXX, and learned from Equifax that my personal information may have been accessed. I have finally completed steps for securing my identify after an anxious and stressful day. I hope that the steps I have taken are sufficient.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

In late XX/XX/2016 I received a mailed invitation to apply for a Citi/AAdvantage Platinum Select Card. The offer in the invitation stated that if I charged {$3000.00} in the first 3 months of having the card, I would receive XXXX ( XXXX ) American Airline frequent flier miles. I applied for the card and charged in excess of {$3000.00} in the first three months. I have paid all of these amounts promptly. Two weeks ago, I called the Citi number on the statement ( XXXX ) XXXX to insure that the XXXX miles had been added to my AAdvantage account. I was told that because I had a similar card in the last two years I was ineligible for the XXXX miles previously promised. I spoke with two levels of supervisors and each confirmed the same, one stating that the was a large number of people in similar situations. While Citi can make whatever rules it wants, if I was ineligible for the XXXX miles : ( 1 ) why did they send an offer to the contrary and ( 2 ) why did they issue the card knowing that it was requested in response to their offer? 
It 's requested that your agency intervene in the matter and compel Citi to honor its promise, just as I have in paying all of their statements promptly. Also, I ask that ( if possible under your rules ) this complaint be made not only in my own behalf but also that of every other person in a similar situation. It is unfair to offer something as an incentive and, only after cardholders have performed their obligations to earn it, pulling it away. For purposes of the box below that requests money loss information, I 'm valuing the miles at one cent per mile, which to my understanding is customary. Thanks for any assistance you can provide.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

My wife and I possibly had our personal information leaked as part of the Equifax data breach this XXXX. We are taking legal steps to protect our information and finances. This is a notice that we are taking immediate and all available action. We have alerted XXXX for an initial fraud alert. We will be monitoring our accounts. We may enlist in a third party identity protection agency, not connected to Equifax, for further protection.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX, I received a letter in the mail from Barclays Bank XXXX. The letter included a check that was for balance transfer. The offer was 0 % interest rate for XXXXmonth with a 4 % fee. I used the check to reduce my interest rate. The card I had had a 10 % interest rate. In XXXX, the bank mysteriously called me about a fraud case. I told tem that I had done the balance transfer. They charged the 4 % transfer fee. In my XXXX statement I get an interest charge. I called them and now the interest rate is over 27 %. They keep firm that there was no introductory rate. Well why would I transfer a blane from a lower rate card to a higher rate. This is a scam and they need to be stopped,. I wonder how may other customers got the deal ( scam ) to transfer funds. 
XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-09-08
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. (WA)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CITIBANK, N.A. (CA)

I faxed the following to Sears : XXXX, California XXXX Mailing Address : Removed URGET FAX TRNSMITTAL, XXXX Monday, XX/XX/XXXX RE : Update Credit/Remove Late Payments To whom it may concern, On XX/XX/XXXX I learned of Sears/CBNA late payment data on my credit report for XX/XX/XXXX, specifically the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

Per phone conversation on XX/XX/XXXX with Sears/CBNA Supervisor XXXX Team # XXXX the " Clerk '' at the retail location entered the wrong mailing/billing address, therefore I never received a bill. Seems the amount was approximately {$30.00} and " written off '', per XXXX. 

The partial account information I have is partial-XXXX, ending in XXXX. 

Please immediately Update My Credit/Remove Late Payments. We are in the process of a obtaining a Mortgage and this false derogatory information is affecting all my credit scores. 

Please confirm receipt of this FAX and provide your evidence of correction to all XXXX credit bureaus to the above address. CALL MY CELL ( ABOVE ) WITH ANY QUESTIONS. 


Sincerely, XXXX 31 Year Sears Customer After Sears confirmed by phone on several occasions the derog info should not appear, a Sears letter dated XX/XX/XXXX states, " Our records indicate that the information appearing on your credit report is correct. '' CFPB, It is not correct. 
Sincerely XXXX
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (GA)

I was charged in error for items I never received and it took the company ( Sears ) several months to resolve and refund this charge. I took out a Sears card to purchase a washer/dryer that they never delivered/installed. I have a different mailing address than my residence ( safety concerns ) and I received the bill slightly late as I was not expecting one at all. I called Sears Citi Card immediately, and they told me I needed to take my concern to Sears, that the entities were entirely separate. I was not informed at this time that unless I contested the charge within 60 days of the first statement, I would owe late fees and interest. I was not told that this is the reason that they denied my request to remove the late fees, but I can think of no other reason. 
I struggled with Sears customer service repeatedly and was told they could do nothing. Finally I emailed the Sears executive office, they managed to discern that I was charged completely in error and refunded the charges. However, Citi Card informed me that I still owed the late fees. I circled back to Sears and once again was told they could do nothing. I purchased nothing, I wanted the card cancelled the moment I requested a refund, however was told that it could not be cancelled until all of the charges were cleared off. 
I have been dealing with this issue for 5 months now. It has been an unwelcome demand on my time and attention at a time when I have just moved and started a new job. It feels like I have to work very hard just to watch out for being victimized. These " late fees '' for no purchases, no activity, seems predatory.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, 2017 On Thursday morning XXXX XXXX, 2017 I was informed that a fraud check had been deposited to my Chase checking account. I stated that I had not deposited any check, had not given access or permission to anyone to my account. I stated the check was not mine, I had no knowledge of the transaction and that I didnt want anything to do with it and to remove it from my account. 

I was instructed to contact the Fraud Investigation Department of Chase to resolve the matter. I spent several hours on the phone with Chase letting them know I was not involved with any fraud activities. They advised that they were suspending my account. They then instucted me to log on to my account after midnight to reset the password and everything should be fine. I attempeted to do this however was not able to. First thing Friday morning, XXXX XXXX, 2017 I went into the Chase bank to resolve the matter. The Banker was not able to access my account so they called the fraud department for assistance. The advised us that my accounts ( checking, savings and new Visa card ) were all being closed and they could n't do business with me as a customer. They informed me that they would be mailing out a closing check within 7 to 10 days. No further explaination was given. 

I have filed a complaint with Consumer Federal Protection Bureau as I believe I have been treated unfaily and unjust. 
I did not have anything to do with what happened to the Chase account. It had been " hacked '' and Chase Bank is treating me as the criminal rather than the victim that I am. They have suspended all access to my accounts leaving me without access to my funds until they release them to me. 

XXXX XXXX XXXX
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLAZA HOME MORTGAGE, INC. (HI)

On XXXX XXXX, 2006, XXXX XXXX XXXX and XXXX XXXX XXXX, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. 
XXXX XXXX was the loan officer of XXXX dba All XXXX ( XXXX ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that XXXX was never licensed as a mortgage broker, or solicitor. 
Also, in XXXX 2006, XXXX was not licensed as a Hawaii mortgage broker as required under Chapter XXXX, Hawaii Revised Statutes. ( see " Attachment '' ). 
A {$2400.00} broker fee was paid to XXXX. ( see " Attachment '' ). 
According to the Professional and Vocational Licensing Division, State of Hawaii, XXXX was never licensed as a mortgage broker, therefore making the Note, and Mortgage void. ( see " Attachment '' ). 
Plaza Home Mortgage , Inc., and its successors in interest had no right to receive payments on the mortgage loan because the loan was invalid, and therefore void.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Repeatedly, I have asked for the company XXXX to furnish me with copies of receipts, invoices, un-authorized signature purchases, and they refuse to do the diligent searches, efforts or comply with my requests. Instead, they have persisted in showing the balance as mine as personal, and owing, which I have adamantly DENIED. It was reported, and they DENIED this, and can not or will not forward the 'purchases ' to me. And then they report this to the 'CREDIT BUREAUS ' which post a NEGATIVE and as a result shows a lower XXXX number than I should be enjoying. This by all means needs to be corrected, or this company should be held accountable for denying me my buying power, and by 'dunning ' my worthiness as a legitimate purchaser. I need the help that you can lend, to make this creditor comply. Thank you.
Consumer complaint received 2017-09-08
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. (LA)

Equifax improperly handled my personal data leading to it being compromised in a XX/XX/XXXX hack that compromised 140 million people 's personal data including social security numbers, addresses, credit card numbers, etc. Their lack of proper data handling security directly led to this leak of my information. 

On top of that, Equifax did not come public about the loss of information untilXX/XX/XXXXXX/XX/XXXX. 

Additionally, Equifax is attempting to make people waive their right to legal action against the credit reporting agency when a user attempts to place a fraud alert on their account.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In 2009 I bought a new Scion XD from a Toyota dealership in XXXX, CA. I ended up paying cash for this vehicle, but the dealership never remove the financing options from my contract. Thus, when the title was created it was sent to Toyota Motor Credit Corporation. When Toyota Motor Credit Corp. realized they did not have a lean against my car and received my title by mistake, they mailed it back to the same dealership I purchased the car from without notifying me of the mistake or making any corrections with the DMV. In the seven years I owned the car, I never received any letters in the mail or a phone call or e-mails about needing to make any corrections either. Recently my car was involved in a XXXX. I was XXXX. My vehicle was totaled and while trying to settle with XXXX I was informed that I still had a lean against my car by Toyota Motor Credit Corp. I was then told that I would need to correct this issue first before I could receive any money for my totaled car. I am a struggling XXXX who works almost six days a week with XXXX and correcting this mistake took me over four days of driving to the dealership, a visit to the DMV, waiting for a loan release form to come in the mail, and paying shipping XXXX fees which the dealership did not want to pay ( even though this was totally their mistake. ) The dealership is now saying my original contract has disappeared since it has been so long, providing no real proof that I did or did not pay cash in the first place. Yet the Toyota XXXX dealership did call Toyota Motor Credit Corp and confirmed there was no lean on the car. The Toyota dealer/Toyota Motor Credit Corp. had no remorse of any kind for the inconvenience, hassle, and possible damage to my credit over all these years. In fact, I was told at the Toyota XXXX dealership that this happens all the time! I do n't think this is fair and/or right considering all I did was give them over XXXX and be a loyal customer. 
Thank you, XXXX XXXX
Consumer complaint received 2017-08-07
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. (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, Equifax, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX XXXX 2016 I checked my TransUnion credit report on XXXX and had a total of XXXX hard inquiries removed from my credit report. The inquiries that were removed are as follows : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX : XX/XX/XXXX 12. XXXX : XX/XX/XXXX 13. XXXX XXXX XXXX : XX/XX/XXXX 14. XXXX : XX/XX/XXXX 15. XXXX XXXX XXXX of XXXX : XX/XX/XXXX 16. XXXX XXXX XXXX : XX/XX/XXXX 17. XXXX XXXX : XX/XX/XXXX 18. XXXX : XX/XX/XXXX 19. XXXX XXXX : XX/XX/XXXX I checked my account on XX/XX/XXXX and all the hard inquiries were placed back to my account without sending me a reinsertion letter as required by FCRA Section 611. I have been calling TransUnion ever since and received no help. No one will transfer me, no one will connect me to an American representative or the fraud department. Multiple agents have been rude and unprofessional, some have told me that they know what happened but it 's basically to bad and I should simply file a complaint because they will not fix it.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have lived at the same address for 19 years. There are XXXX more addresses listed which i have never seen before. I have never lived in the XXXX area or suburbs. Someone seems to be using my name and/or soc to open XXXX and XXXX accounts again. I went through this same thing about 5 years back and it seems to have resurfaced somehow. I need to clear this up and need some guidance.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I had a deposit come through to my account for {$800.00} ( my account was prior negative {$260.00} ) and several debit transactions followed. The credit of {$800.00} shows that it was applied to the account followed by the debits ; However I was still charged overdraft fees for each item that posted after the deposit/credit ( 3 fees total ). When contacted the bank ( PNC ) I was told that it was deposited yesterday but they held the funds until this morning. I was told prior that credits post before debits. so if my act is negative $ XXXX and a {$800.00} deposit comes in my balance should then be {$540.00} and the remaining debits should then come out. Even though this is what shows how the transactions processed I was still charged over draft fees. 

When I went in yesterday to ask the bank about this they told me the deposit probably wouldn't be available until 2 or 3 in the morning- it is a Reg CC Funds Availability that funds have  to be available the start of the business day they are available at XXXX XXXX. I feel like they held my funds unnecessarily and cost me {$100.00} in fees for no reason. 

In the last week, I have also had checks clearing my account same business day. I work at a bank and know this is virtually impossible unless the check is cashed at the bank it is being drawn from. Off the bank endorsements on the back of these checks- this is not the case. I was told at time of opening the account that I have until the end of the business day to make it positive if it goes negative. I will go to sleep with no checks clearing the account ( with checking it at XXXX XXXX ) and will wake up with a check clearing the account with yesterdays date. How can a check clear same day but it wasn't showing on the account earlier? How can I bring money in to bring the account positive if you are putting a past date on it? 

I feel like PNC is violation Reg CC and Reg E.