davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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. (MI)

There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with US adept of Ed for {$66.00} thats fraudulent as well. None of these are my accounts.
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (NY)

On XX/XX/XXXX, I received a loan of {$15000.00} from XXXX XXXX. The loan payments were drawn from my check account, {$480.00} every month. 
On XX/XX/XXXX, I paid off the full balance of the loan. However, the next day, {$480.00} was withdrawn from my checking account. 
I have contacted XXXX XXXXXXXX about 25 times since then, asking them to refund the {$480.00} overpayment. 
In each instance, XXXX XXXX has taken my information and promised to resolve the issue. Yet here we are, almost a year later, and they have not yet repaid me.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AL)

I used a link provided by chase to apply for a Chase United Club card. This included a " Welcome Offer '' of 50,000 airline miles after spending {$3000.00} on the card in the first 3 months. After I received the card, spent {$3000.00}, and paid the bill, I was told I did not qualify for the welcome offer. I tried to resolve with Chase, but was told I do not qualify, however, they could not tell me why I did not qualify.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I discovered that XXXXXXXX XXXX had reported a late payment to the credit bureaus. On XX/XX/XXXX I contacted them with my Authorized user ( XXXX XXXX ) on the line. We spoke to a supervisor name ( XXXX employee id XXXX ). She advised us that she did see that my account was set up on automatic debit and that she would remove the late reporting from the credit bureaus. My authorized user asked that she note the account of this for future references and she agreed. On XX/XX/XXXX Myself and my authorized user called again t o ensure that the account had been corrected and the supervisor ( XXXX ) advised that she saw the notes on the account and everything was corrected. On XX/XX/XXXX the late payments were added back to the account and now XXXX is refusing to remove them. This is adversely affecting my credit through no wrongdoing on my part.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I tried closing my account at PNC Bank. I withdrew my money and started an online chat with their customer service to close the account. Apparently the account was not closed and I was charged a {$25.00} fee the next day because the account went under the required balance. 

After realizing the situation I called PNC on XX/XX/XXXX and they refused to credit by account for the service charge and also refused to close out the account. They also said I would continue to be charged {$25.00} a month as the account can not be closed with a negative balance due to the fee I was charged by them not closing my account in the first place.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I uploaded the neccessary documents that they requested ( FTC ) report and I also sent in dispute letters now three times. My next step is to take legal action if this isnt taken off in rapid time. this is holding me back from what i need to do for my life
Consumer complaint received 2019-07-30
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)

Equifax has re reported information on my report and it is damaging my credit worthiness. The accounts XXXX XXXX XXXX and XXXX XXXX XXXX was deleted from my report XX/XX/2019. To date it has been replaced on my reports and I received no notifications of it being put back. Per FCRA 611 ( a ) ( 5 ) ( B ) Credit File report ending in # XXXX they are to notify me if they are placing an item back onto my report. 

I spoke with a Manager who insured this would not happen again, and it did. There is a XXXX balance on the account.. 

I request that these 2 accounts per FCRA 611 ( a ) ( 5 ) ( B ) be deleted immediately.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I have a Home Depot consumer credit card which Citibank controls. On XX/XX/XXXX I made a purchase using a promotional interest free 24mos financing to install carpet. The amount financed was XXXX and without fail I paid continuously XXXX for XXXX and according to my bank I have completed the last payment on XX/XX/XXXX. In the interim I charged few items that did not fall within the promotional financing. During the 24mos period I never received a statement but had a recurring payment scheduled via my bank XXXX XXXX so did not worry about not receiving the statement. I am the co-card holder of the credit card applicant which was my husband who passed away in year XXXX. Then on XX/XX/XXXX I went to home depot and tried to use my card as usual but was told I can not use the home depot credit card, but the cashier went ahead and accepted it any way. Then from that point on I have been receiving collection calls on my home number and cell repeatedly but ignored it because I was hoping to see a piece of mail to respond if the calls are valid in some way. Never received a letter so thought those calls were fraudulent. Yesterday XX/XX/XXXX I asked my daughter who takes care of my bills to check out why am I receiving so many calls. At that point she set me up online and realized there is a huge amount as a balance still left to pay. Immediately called the number in the back of the credit card. Come to find out that large number is the interest charged within the 24mos period.which I never missed a payment on. The issue was that they applied my payment on the promotional financing to the small purchases that were not part of the promotional financing. The customer service person said without the interest the actual amount owed since XXXX is XXXX which I paid right away using my debit card. I believe I am unfairly charged the interest as they never sent a piece of mail notifying me of the non-payment. Also never received an email either because I only set my email with the home depot credit card on XX/XX/XXXX when my daughter set me up. The customer service person said that I have been receiving the statements and I should have covered those small charges but like I said I never saw those at all. Please help because I am living on my retirement and no way of paying the interest and also refuse to pay the interest because we never missed a payment.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Dispute of Inaccurate and Derogatory Accounts on My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my TransUnion credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my TransUnion credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my TransUnion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately.

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes.

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITY NATIONAL BANK (NY)

City National Bank is a disaster when it comes to information security and being able to access information. I applied for a credit card. The Relationship Manager I was assigned was XXXX in the XXXX XXXX location. After application, I was completely unable to access any information regarding my application. The phone number she gave me was not functioning. When I went to the branch, a gentleman informed me that he was a different manager and I should wait for her. And their national call line doesn't know where my application is - so essentially I supplied the bank highly sensitive personal information and they did not keep track of it, while almost every employee at the bank refused to discuss the application with me because they told me I had to contact XXXX who has disappeared. This looks very much like a data theft scam. You give personal information to a shady organization, then nobody will speak with you about it and the person they claim will assist you gives you a phone number that doesn't work and disappears.
Consumer complaint received 2020-04-27
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: JPMORGAN CHASE & CO. (MA)

Between XXXX  and XXXX  as well as JPMCB Home lending as well as JP Morgan Chase Bank, NA and also XXXX XXXX XXXX XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also  credit bureaus both XXXX  and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.
Consumer complaint received 2019-01-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MO)

XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX  visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX  ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I changed my legal first name. All relevant legal documentation has been properly updated. Upon attempting to upgrade my XXXX I went down a rabbit hole that found that Equifax had an issue. After a large amount of time and multiple calls and contacts with them, I finally received a fax number and began the process of setting up a my.equifax account. I faxed my documents XX/XX/XXXX. They were verified on XX/XX/XXXX. This has been verified by phone agents on XX/XX/XXXX. My documents have been resubmitted on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the request to update my name was ignored completely. On XX/XX/XXXX, within about 24 hours it was listed as " Completed '' but was never updated. It was re-submitted again, with the same result. Stated Completed, but never changed. I tried again on XX/XX/XXXX and now it says no status but " Mailed ''. Thus far I have never received ANY notification, email or mail service of any of my interactions with Equifax thus far. My name being incorrect is preventing me from taking actions to repair my credit and needs to be fixed immediately. 

I wish I could attach documents to this but as they have never sent me any documents explaining their actions regarding the name change I have nothing to submit.
Consumer complaint received 2019-09-15
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. (AR)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Investigation Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : " DELETE XXXX   XXXX XXXX '' Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 

I've included the full letter with the items that I'm disputing below.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX am writing to request a correction of the following information that appears on our XXXX, XXXX, and TransUnion Credit report : My husband XXXX XXXX XXXX XXXX and I XXXX XXXX would like to pay the debt in half or have these listed below removed from our credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Amount - XXXX $ Phone number- XXXX XXXX XXXXXXXX- Amount- XXXX $ Phone number- XXXX $ XXXX XXXX- Amount- XXXX $ Phone number- XXXX XXXX XXXX XXXXXXXX XXXX- Amount- XXXX $ Phone Number- XXXX XXXX XXXX XXXX- Amount- XXXX $ Phone Number- XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (CA)

In XXXX I contacted MoneyLion to ask why purchase at XXXX had been declined. 
Agent XXXX replied : -I have investigated your complaint and regret to inform you that your XXXX demand deposit account was closed on XX/XX/year>, pursuant to the Demand Deposit Account Agreement governing your account. 
- I have attached a copy of the agreement for your review. Any funds in your account will not be returned. 
- Unfortunately, because of security reasons and under applicable laws, we can not give you additional details around the reasons behind all aspects of the closure. 

According to an email from MoneyLion customer service on XX/XX/XXXX, my balance was approximately {$470.00}. They made no mention of a closed account.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation Dear XXXX XXXX XXXX XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file.

In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX