davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met they requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are way past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.
Consumer complaint received 2023-09-22
Product: Credit 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. (NC)

Hi My renewal credit card from Citibank ending with XXXX was not received in mail box. It was compromised somehow by a thief who got the card. The thief used my card and spent around USD XXXX without my approval of course. I blocked the card and disputed the charges. The bank is not cooperating as expected. I am seeking you kind help. 
Thanks XXXX
Consumer complaint received 2024-09-23
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. (TX)

I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (FL)

I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to. 
Sincere XXXX
Consumer complaint received 2016-12-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.
Consumer complaint received 2016-02-25
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: MOHELA (CA)

Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.
Consumer complaint received 2016-05-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent. 
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification. 
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate. 
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification. 
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer. 
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this. 
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXXXXXX 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 has violated my rights. 

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late PAyment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : Unknown - Account Number : XXXX - Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

Please delete this account from my credit report. The account is close and is showing past due. By law no account should ever show any pass due amount because its a violation of consumers privacy rights. This information on my credit report is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. Also the Creditor is not the original creditor and i did not give this company permission any written consent to furnish my information publicly
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/XXXX I mobile deposited a check into my account then they held the funds to wait for the check to clear then they emailed me and wanted to confirm the activity on my account to make sure it wasn't suspicious and they froze my account on XX/XX/XXXX and have not released my funds or allow me back into my bank account the check was for {$1100.00}
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For months company refused to unfreeze my account .. causing me hardship Losses on loans.. 
Emotional distress Unfair credit scoring Wrong personal data Old database need updated.. XXXX  of my credit score/ reputation.. 
Unnecessary hassle questions. 
After I proof who I was..

Bad customer experience..
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

This Creditor sent me a letter stating that they have the car but has not ever resold it. More importantly its been 7 years and this should have been off my credit report. This car was bought in 2018.
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

There are several inaccuracies and inconsistencies with this report from the national credit adjusters. In the credit report on all three bureaus, it does not state who the original creditor is. They are also several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account date are all different, inaccurate, and inconsistent. I also have reason to believe this occurred due to fraudulent activity and identity theft with my information.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one asked me to verify my income which I attempted to do. And then with no notification they closed all 3 of my credit card accounts down. I had close to XXXX XXXX  and XXXXXXXX XXXX in travel credit that disappeared. When I tried speaking to them they said they cant do having about it.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX a wire transfer was initiated to pay the loan in full and as of XX/XX/XXXX they have not yet applied it to the account. Multiple calls over several weeks and I am still being told it is " in process ''. Each representative says they see it pending and instructs me to call back in XXXX business days. My account is incurring late fees and collection calls have started even though I wired the full pay off amount nearly 30 days ago.
Consumer complaint received 2023-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX i deposited XXXX into my bank account from a sports bet wager i had won. On XX/XX/XXXX, i got a notification on PayPal. My winnings were being refunded back to XXXX. Three months after i had already won the wager. After i seen that madness i attempted to call PayPal to cancel it. They told me it was pending so i couldnt cancel it until it was done pending. They also said it takes 3-7 business days for a pending payment to clear, so i waited. I called PayPal back to try to cancel it when it was cleared and now they said that the refund was already sent and i would have to either contact my bank or XXXX to get the money back. I contacted my bank and XXXX. My bank said since it was a refund with PayPal they couldnt dispute it and XXXX told me that they didnt receive the funds back at all and to contact PayPal for better assistance. So I tried and they said theyll let me talk to the Paypal supervisor for more help and left me on hold for about 40 minutes and hung up. Keep in mind its been 3 weeks i still have bills and Im not rich so my bank account is overdrawn now because of the XXXX and my bank took XXXX more dollars for overdrawing my account.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are late payments being reported for months in 2020 and months in 2021 that were doing the time of a pandemic. During those months I was given the pandemic deferment, but my account doesnt reflect that. 
I was never late
Consumer complaint received 2024-10-06
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. (NC)

XXXX is using my name without my authorization. I never contracted with XXXX. I contracted with XXXX . How did XXXX get my information? I did not authorize XXXX to share my information with any third party affiliate. I received documentation from XXXX that they are transferring my information to XXXX. I am not authorizing XXXX to give my information to XXXX. I do not have a contract with this entity and I will not contract with this entity. XXXX should not have access to any of my information. This is XXXX XXXX.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.