davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/2019, XXXX XXXX XXXX charged my Macy 's XXXX  credit card on file {$680.00} for services that were not performed or authorized by me. The XXXX XXXX XXXX does not have any documentation on file behind this charge. For the last 11 months, Macy 's XXXX and the XXXX XXXX XXXX have been going back and forth with no valid information or proof to this transaction. I have always responded timely and provided information as needed. Today I was notified by Macy 's XXXX that they are closing the dispute and I just owe the money. There has never been a written or verbal approval for this {$680.00} charge. It is completely fradulent. I need for you to step in and take over this investigation.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 My mother, XXXX, transferred {$260.00} from her Chase checking account to my Chase checking account. The reason for this transfer was because my account began the business day of XX/XX/2019 with a balance of -XXXX. When we checked the accounts on the morning of XX/XX/2019, we found that the transfer had completed and posted from my mothers account. My account however now had a balance of-XXXX, with no record of even a pending transfer. We contacted Chases customer service and both repeatedly verified our identities. After speaking with multiple customer service representatives, we were connected with a manger XXXX XXXX, who refused to provide an id number. Her analysis of our situation was that Chase has policies that allow them to process the funds transferred for 1-2 buisness days. She also was unwilling or unable to remove the insufficient funds fee applied to my account. We cant get the money that has been transferred back either without be charged and delayed even more. We both have used this transfer method in the past, with each other and others, and have never experienced a delay like this before. The money was also designated for time sensitive expenses of mine that have caused me tremendous financial problems. I feel like they used their policies to steal from me.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (TX)

I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed already. I called again in XXXX and then on XX/XX/XXXX I spoke with supervisor XXXX about account not being closed in XXXX or XXXX and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email XX/XX/XXXX saying that I owe Total CC XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau monthly. This company then continued the problem by lying to the CFPB I reached out to them in XXXX and they said that they removed all fees which should have brought the balance to XXXX  which it did at the time. Then in XXXX they charged a fee of XXXX even though I called in XXXX XXXX to XXXX to close the account. Then they charged mthly fees & late fees in XXXX, XXXX, XXXX, and XXXX. I called every month and every time they promised they would fix the problem. They need to erase the fees and the balance on this account. I closed this account with a XXXX balance in XXXX period. So I should not have any balance and there should have never been late fees charged or reported to the credit bureau. Everytime they waive fees they live a balance like right now there is a balance of XXXX cents even though they stated to the CFPB that the account was finally closed properly as of XX/XX/XXXX. Apparently they leave a balance so the ACCOUNT stays actively accruing fees and interest even after closure of an account.This is the longest its ever taken to close an account and be done with a company in my life.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My credit score dropped more than 150 points for no apparent reason, giving me a score from good/excellent to poor. However, with the metrics that was showing, there were no delinquencies and all the factors that were considered high impact factors, I was doing well. 

The only negatives were the credit age, but that wouldn't or shouldn't justify a credit score drop, since when i had a good/excellent score, the credit age was properly reflected and there were no negative factors that could justify the drop. 

I've tried reaching out to the credit bureau and they couldn't explain to me on what is the reason. I was informed that the matter was being escalated. 

I then saw on the news that this has happened to Equifax ; that people were being affected by some glitch. 

There should be a way to dispute the credit score ; and the bureaus should be able to give tangible reasons ( not vague reasons ) as to why the score has dropped substantially.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MN)

Chase Credit Card Statements Chase continually refuses to provide credit card statements that have a XXXX  balance at the end of the billing period, even though there was a beginning balance and activity during the billing period! I believe 12 CFR 1026.7 requires credit card companies to provide XXXX balance statements as long as there is any activity during the billing period ( e.g. payments, credits, charges, etc. ). 

According to your own web site, I read the following guidelines ; " Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than {$1.00}, or on which a finance charge has been imposed. '' ( see https : //www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/ ). 

For instance, I did not receive the following periodic statements : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also did not receive other XXXX balance statements from prior years. It appears that they did provide XXXX  balance statements up through XXXX. 

I do receive XXXX balance statements from many other credit card companies, just not Chase. 

When I worked in the financial industry, one of the things we saw that indicated possible fraud on a credit card was a charge and a credit for just {$1.00} or some other small dollar amount ( to test the validity of the account number ). If a customer does not receive a statement, they would likely not even know that there had been suspicious account activity. 

In summary, my complaint is that Chase refuses to provide XXXX balance statements even though there is activity during the billing period.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I have three mortgages with Mr. Cooper, which I pay online. For some reason, when I made the three XXXX payments, Mr. Cooper 's system only processed two of them. When they notified my by phone of the problem, I immediately made the missing payment by phone. I also proactively submitted my concern to Mr. Cooper 's Research Department to ensure that a late payment was not reported. unfortunately, although I have not heard from their Research Department, they have now reported this payment as 30 days late. I would like this late payment to be reversed on my credit reporting, as I did make the payment on time online ( though their system apparently didn't process it ) and immediately made it again upon being called by Mr. Cooper. 

The loan number is XXXX, and the address is XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you. 

XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX BALANCE : {$18000.00}
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I found out by mistake after checking my credit score that I have a collection bill issued from XXXX XXXX XXXX XXXX in XXXX Florida, I went to my XXXX  XXXX XXXX company, they checked and told me they have never received a bills from XXXX XXXX XXXX, I was insured and my insurance told me they would have paid it in full if they had received it, they is no claim from the Dr. or XXXX XXXX XXXX. Plus I have never received the bill also. XXXX XXXX XXXX refuse to work with me or my insurance to send us a copy of the bill and claim it has been send to the collection and you have to work with them. I have been trying with the help of my insurance to check with XXXX XXXX XXXX and the collection for the bill they have claimed to file without any response without any success, meanwhile the collection agency is reporting my bill on my credit and effecting my credit score on a bill that I was never responsible for or knew anything about. To make matter worse, XXXX XXXX XXXX is refusing to help in anyway, debt collection agency won't follow up with me and my insurance month after month. ( they don't care at all ).
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

I have paid all my Citi account on time and want this history on my report. 
It is blank and considered negative. 
When I call Citi, they say they do not know what I am talking about. 
I give them the info off the credit report. 
The credit bureaus report it as potentially negative so it is holding my score down. 
I want the updated history that shows several years of being paid on time. Or remove it.
Consumer complaint received 2020-03-16
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX - Account XXXX Platinum Secured - Opened XX/XX/year> - I am requesting that this trade line be deleted from all three of my credit reports. I have notified each credit bureau that this trade line reports inaccurately and affects my reports negatively. This account was paid in a settlement. I never received any 1099 for this account confirming it was settled, although I received an email it was. I notified each bureau in a dispute that the account reports payment status as XXXX and nothing has been fixed XXXX Also, the last payment date for each credit bureau is inaccurate. I notified the credit bureaus and was advised after the dispute that it was reported accurately, verified, no change. I emailed the CEO of XXXX XXXX regarding for this request to be fixed and was then contacted by Compliance that on their end, they report accurately and the credit bureaus report their information inaccurately. Per inaccuracy, I request that this trade line be deleted immediately.
Consumer complaint received 2020-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (WI)

This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XX/XX/XXXX I believe. Beginning XX/XX/XXXX is when National Credit Adjust began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been reviewing copies of my credit report and noticed inaccuracies that I have identified to the credit bureaus. I am requesting an investigation regarding the reporting error. It is my understanding the credit bureaus are required to investigate this account to ensure ist is reporting accurately. Please verify and provide me with an update. I am providing the account information as listed on my credit report below for your assistance. 

XXXX XXXX Acct # XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Philip H. Monagan (CT)

I have called and emailed XXXX XXXX to remove a debt to XXXX XXXX XXXX that was paid and settled in Small Claims The action was withdrawn and released, but XXXX XXXX will not remove it
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I don't know from there to start. The situation is really hard and disappointing, because I become victim of identity theft. Scammers from California theft my Social security number and got illegal money using my name from XXXX with XXXX fraud accounts. I spoke with XXXX, I explained that all my life I had a residence in CONNECTICUT, in a past I had XXXX accounts with XXXX opened in XXXX and XXXX that were connected to my real address XXXX XXXX XXXX, XXXX XXXX, XXXX, CT. I asked them how they provided the fraudulent credit under my to California addresses ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA and XXXX XXXX XXXX XXXX XXXX XXXX, CA ). They even didn't checked my public records, because I have never lived in CALIFORNIA. I also explained the situation to credit bureaus and was requested to fill FTC report for deletion of fraudulent items. Please remove all fraudulent information from my credit reports including XXXX XXXX fraud accounts, CALIFORNIA XXXX fraudulent addresses, fraudulent inquiries XXXX 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
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

In early XXXX, I received an alert that I had a delinquent account and that my credit score had been severely negatively impacted. A few days later, I received a notice that I had a collection/delinquent account with XXXX. I had terminated my account with XXXX in late XXXX. In late XXXX or XXXX of XXXX, I challenged this delinquency/collection through the process offered online through one of the three credit reporting agencies dispute resolution services. According to that process, XXXX had 45 days to respond ( if I remember correctly ),  and if they did not, then the debt would be wiped away. Well, that deadline passed without a notification or explanation from XXXX, and I noticed that the debt had been dropped from my credit reports and that my score jumped substantially. A couple of months later, I received another collection notice, for the exact same amount of money, from a law firm that had purchased the delinquent account from XXXX. Given that this debt was already wiped away, how can I be pursued again for it?
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

The fraud department of my XXXX XXXX card turned my husband and me into dishonest people who never paid XXXX to the XXXX XXXX XXXX for their ride from XXXX XXXX to XXXX ( XX/XX/XXXXXXXX  ) and XXXX ( XX/XX/XXXX ). 
The problem started on XX/XX/XXXXXXXX  when Citi declined a payment for an online train ticket purchase from XXXX XXXX because of suspected fraud. I called from my phone with my XXXX XXXX number, and was not able to verify my identity because I didnt have my bank account number or the number of another Citi card with me. Fair enough. So I went to the train station and paid for the tickets with my XXXX XXXX XXXX. 
It then occurred to me that I could maybe still use that card though XXXX XXXX, so I used XXXX XXXX to pay for a small drugstore purchase on XX/XX/XXXX, and that went through. So I used XXXX XXXX for the round trip ticket XXXX XXXX which I purchased from the bus conductor as we entered the bus. When I saw that this charge was declined after we arrived in XXXX, I called Citi again, and this time identity verification worked as they texted a code to my US phone number. I was told that block on my card was lifted and that I could use my card again. So I made used it at a coffee shop on XX/XX/XXXX with no problem. But then the charge to the XXXXXXXX XXXX company which they resubmitted on XX/XX/XXXX and on XX/XX/XXXX was again declined. Exasperated, I decided to wait until I got home to sort this out. 
I called Citi from my US phone number when I got home, explained the situation about the XXXX Bus charge, but verification entailed remembering a special word that I had forgotten. My card was again blocked and was told a code would be sent to me by mail. I asked if this could be reversed by a supervisor. It seems that no human can override what was clearly a computer generated nonsensical decision. How many people are honest enough to call to make sure a payment goes through in a foreign country after they have used a service, when the ticket was just a slip of paper with no identifying information on it? 
I called Citi again today with the code, my card was reactivated, but I was told that the charge to the XXXX XXXX XXXX would be paid when they resubmit that charge. They have already resubmitted that charge 5 times and I dont know if they will resubmit it again. 
So that is how we, an honest couple in their early XXXX, were turned into a free-loaders though the inanity of computer generated decisions that can not be overridden by an intelligent human being.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX CBNA/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX These companies have ran my credit forcefully without my consent and it is bringing me down I was going through a divorce and ask them not to run only to find out that they did anyway against my wishes