davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXXXXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is for loan XXXX XXXX and the late payment on XX/XX/XXXXthat was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor XXXX XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

RE : XXXX Reported XXXX Condition Open Balance {$8.00} High Balance {$3000.00} Payment {$8.00} Status Current Late Payments XXXX Amount Past Due {$0.00} Account Type revolving PLEASE ENSURE THAT THIS ACCOUNT INFORMATION IS SHARED ACROSS BUREAUS. RIGHT NOW, IT IS ONLY DISPLAYED FOR XXXX AND NOT XXXX AND XXXX. 

PLEASE HANDLE EXPEDITIOUSLY OR BE SUED IN CIVIL COURT FOR DEFAMATION OF CHARACTER, MISSED CAREER OPPORTUNITIES, AND CREDIT OPPORTUNITIES. PURSUANT FAIR CREDIT REPORT ACT 1970 requires consumer reporting agencies ( CRAs ) to report consumer credit information accurately, fairly, and in a timely manner.
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

XXXX card {$500.00} limit, used twice paid off within 3 or 4 months, carried card for 8 months. <P/>I 'm a experienced mortgage loan processor. Understanding credit, debt to income calculations and financial lending most recent standards are fundamental me to having a job, so I get how the economy works. <P/>Synchrony services 90 % of my retail credit card debt and 70 % of the credit card servicing marketplace. Est total ( my husband and I ) synchrony retail debit is XXXX but XXXX of that a luxury jewelry purchase with special financing and XXXX is LensCrafters frames/lenses also with special financing. <P/>That being said, I do n't have any late payments, collections or bankruptcy remarks. 50 % of the retail cards that are reported on my credit report are authorized user accounts which can not be used to calculate negative debt against me because I 'm not financially responsible for the card. <P/>I do n't understand why they closed my account. Is this standard practice for synchrony? I admit that credit cards are different than mortgages but I can assure you the risk assessments need qualification guidelines for credit cards vs mortgage loans It 's like being in from XXXX but only being fluent in XXXX with a XXXX accent. <P/>I do n't get it
Consumer complaint received 2017-06-25
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: JPMORGAN CHASE & CO. (IL)

I paid my mortgage on time all this year and when I tried to apply for a mortgage, I found o ut Chase reported that I was late 3 times this year. I contacted them and was asked to send a bank statement showing that the money left my account and was paid to Chase. I did just that and a few days later, they sent me a letter stating that they closed the case b ecause they believe the payments never got to them even with my bank statements clearly showing the opposite.
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc. (CT)

Someone went on to Quadpay ( changing to XXXX XXXX ) on XX/XX/2021. Originally they tried to use my phone number to access my account and couldnt because the verification code was sent to me- so they further changed the phone number to gain access. 

They made two purchases using my name, address, and email. Only changing the phone number. The credit card they are using does not belong to me. It is possible that the credit card they are using is stolen, and that is why the hacked someone elses account to make the purchase instead of using their own account. 

The credit card they are using is listing my name and address as belonging to the credit card. I can only see the last 4 numbers of the credit card which is Visa - I have double checked all my cards and this does not belong to me. 

I have reached out to quadpay since XX/XX/2021 via the customer service chat and again, on XX/XX/XXXX via email and again on XXXX XXXX with no response or help with this issue. 

I was able to log in using my email address to see the transactions - both to the same merchant which I cant find any information for - 1 purchase for XXXX $ and another for XXXX $ to a merchant called XXXX the phone number listed with the order, I called with no answer. 

I would like this to be noted and taken care of as I do not want any fraudulent behavior associated with my name or information. 

Thank you so much.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please be advised, it has been over a year that i have tried to work with both credit bureaus Experian and XXXX and XXXX XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!!
<P/>I have awaited a year!!!
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

I am extremely dissatisfied with the way Citibank has treated me as a customer. Recently, they have closed my checking account on XX/XX/2022 and two of my credit card accounts without any notice or explanation. Not only that, but they also refused to give me access to the funds in my checking account, which has caused me significant financial stress and inconvenience. 

To add insult to injury, Citibank has also prevented me from paying my credit cards and has not allowed me to access the reward points I have accumulated over time. This is unacceptable and completely unprofessional. 

I have tried to reach out to Citibank both in person at a bank branch and through phone calls, but I have not received any helpful information or answers. I am extremely frustrated with the lack of communication and transparency from this bank. 

As a customer, I expect to be treated with respect and transparency. Citibank 's actions have left me feeling disrespected and helpless, and I urge them to rectify this situation immediately by providing me with access to my funds and reward points, as well as a clear explanation for the closure of my accounts.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (AL)

In the past several months, at least once a month, I receive a letter from Chase Bank denying a request for a n Amazon .com Visa Signature card. Thankfully, these continue to be denied. My problem is I have never applied for these cards. I do n't want Amazon or Chase bank to continue to check my credit. What if my credit improves to the point they actually open these accounts. I have spoken to chase bank a couple of times. They have given me the fraud department # to speak to a specialist.      I spoke to chase bank today, I was given the fraud number and told the fraud department is closed on Saturday and I need to call during the week. The letter from chase bank is dated  XXXX / XXXX / 2017  and has a reference #
Consumer complaint received 2017-06-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I Called into Chryslers cap back in XX/XX/XXXX to get an extension on my car loan. I went through the process with the rep over the phone ending the call believing my extension was granted. A few weeks later I received a letter stating my car was going to be repossessed because I was more than 30days past due. I brought the account current and call Chryslers to see what the issue was. I was told that my extension was denied, this was news to me as I never received a letter or call stating this. XX/XX/XXXX my mom as XXXX, I need to put her in XXXX credit was pulled and Chrysler reported me 30 days past due TWICE! I called and was given incorrect information including the wrong email address on file. They claim my daughter chatted my daughter doesnt have ANYTHING to do with the car payment PERIOD! My email is XXXXXXXXXXXX and XXXXXXXXXXXX. I receive emails from Chrysler all the time how could they have a XXXX XXXX XXXX is beyond me and is their error. When I called back in XX/XX/XXXX the rep ACKNOWLEDGE that I was given the improper information for the extension. I was also told that one of my calls didnt get captured! I never received an email now I understand why. I got off the phone believing I was okay. I paid my account current soon as I realized. I just didnt think how this would hurt my credit, and now my family. Chrysler is already charging me a 24 % interest on my loan now theyre continuing to hurt me even further by not capturing the correct information when their customers call in and need help. I will pay off this loan and I will never deal with this company again.
Consumer complaint received 2023-03-05
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. (OH)

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. 

Accounts : 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 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 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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 2023-02-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (DE)

On XX/XX/XXXX, I made several transfers from my savings account to my checking account that triggered a fraud warning. Citibank closed access to my account and said it was under review. I called several times to remedy this and was told they " can't verify my phone number. '' Citibank fraud protection then sent me a letter to verify my account on XXXX. I responded to the letter immediately. On XX/XX/XXXX, I called Citibank to see if my account is unlocked yet. They said it is still under review. 

I want to close my account and receive a check in the amount of the balance. They are holding my money hostage. They have been telling me the review will happen in 24-48 hours since XX/XX/XXXX.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP (PA)

On XX/XX/2023 i deposited {$2100.00} to my checking account. I originally attempted to make this deposit in the drive through ATM window. The machine was counting the new bills, I say this because they were crisp and sticking together which was the issue here., incorrectly. A car pulled up behind me so since I still had over {$1000.00} to deposit I pulled around to the front of the building to deposit the remaining {$1300.00}. The drive through ATM has taken {$760.00}. I didnt realize until AFTER I hit accept at the second ATM that I was short {$200.00}. I called the bank once they opened on the XXXX  only to be told by the bank manager that the ATM counts were correct with no more help. I filed a claim and was returned my {$200.00}. Today however {$200.00} was pulled from my account saying the claim was denied. I have two witnesses that watched me count the money for my daughters XXXX  account that state that there was {$2100.00}. I had them count it before I left. And now the bank is taking this money back? The money was crisp and sticking together. Unless it was physically recounted by the employees then a machine is of course going to keep sticking those bills back togetherI have this problem at my place of employment. I would not be pursuing this issue this far if I was not 100 % sure that I am being stolen from.
Consumer complaint received 2023-03-05
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: Bread Financial Holdings, Inc. (NH)

Add on to complaint XXXX Hi, Comenity Bank responded by restoring my rewards points. The problem is they say they are having problems with direct deposit redemptions. This has been ongoing since at least my original complaint of XX/XX/2022. At this point I want my rewards points redeemed in dollars. The only acceptable resolution is that if they can't do it electronically they write me a check. 

Thanks - XXXX
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-02-22
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. ()

Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Your XXXX XXXX verified the XXXX account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( XXXX ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( XXXX ). Creditor : Account : XXXX  # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi, The issue that XXXX filing is a complaint about is BankAmericard XXXX XXXX XXXX ending in XXXX. Bank of America charged me interest fee of {$23.00} on XX/XX/2023. The reason is because the payment was not made on time due to a problem in bank of America 's system. I had scheduled Autopay on Bank of America 's website to pay the full Statement balance from my external XXXXl XXXX Savings account. I closed my bank of America checking account ( number ending in XXXX ) in XX/XX/2023. Somehow the closing of this checking account resulted in the XXXX being wiped out for the BankAmericard XXXX XXXX XXXX ending in XXXX. When the autopay stopped working, due to no fault of mine, Bank of America charged me late fees and interest charges. I contacted Bank of America about the late fees and they promptly refunded that amount ( as shown in the first screen shot ). However they refuse to refund the interest charge even after spending quite a lot of time/multiple phone calls, explaining the problem and asking Bank of America XXXX XXXX the issue. 

Thanks, XXXX XXXX.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on Experian XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union file # XXXX, is reporting the following fraudulent inquiries 1. XXXX XXXX  XXXX  dated on XXXX XXXX, 2023. 
2. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
4. XXXX dated XXXX XXXX XXXX, 2023.
Consumer complaint received 2023-02-19
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: BARCLAYS BANK DELAWARE (FL)

The following accounts I have listed below BARCLAYS BANK DELAWARE/ with the date of XX/XX/2020. My rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out to this company XXXX, 2023 asking about this debt they disclosed a different amount that was in my credit report. I asked when did they send me letters in the mail because they were not received they stated they couldnt tell me this information. I asked about paying to delete off my credit report they told me they dont do that. I told them that I have the medical card in my state which means free medical insurance so I dont understand how I owe a debt in the first place. The representative told me she could not help me and was really rude over the phone. 

The account is a medical bill in collections from XXXX XXXX XXXX Amount {$330.00}