davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WI)

I took out a promotional rate balance transfer with Citi on my credit card ending in XXXX. 
On XX/XX/year> the promotional rate expired and was raised to 21.24 % On XX/XX/year> I phoned Citi and made a telephone payment of {$23000.00} On that call I asked the Citi representative to ensure the payment was applied to the high interest balance ( BalTrnOffer XXXX ) He assured me it would be in accordance with Citi 's stated payment allocation method described on their credit card statement as follows : We apply any amount you pay above your Minimum Payment Due first to the balance with the highest XXXX, then to the balance with the next highest XXXX, and so on. As a result, if the XXXX for a Citi Flex Plan balance is higher than the XXXX of other balances on yourAccount, we will apply the amount above the Minimum Payment Due first to that CitiFlex Plan balance, and then, after that Citi XXXX XXXX balance has been paid in full, to the other balances. 

On the subsequent monthly statement I discovered that my payment had in fact been applied to XXXX XXXX which carried a rate o 0.99 % while the higher rate XXXX XXXX continued to accrue interest at 21.24 % I again phoned Citi, ( approximately XX/XX/XXXX ) and asked that this error be corrected and interest charges reversed. The Citi representative assured me this error would be corrected. I followed up with a letter to Citi detailing the issue. On the following statement no correction had been made. On XX/XX/year> I again phoned Citi and asked to speak with a XXXX. The XXXX ( call reference XXXX ) promised that a correction would be made within XXXX business days. I subsequently received a letter from Citi restating their payment application procedure quoted above but without explanation for not following this procedure denied my request. 

In summary, Citi promises to apply payments to balances in order of the interest rate charged, high to low. On XX/XX/year> my card had a BalTrn Offer XXXX with a rate of 21.24 % and a XXXX XXXX with a rate of 0.99 %. On XX/XX/year> I made a large payment which was applied to the lower rate Offer XXXX instead of the higher rate Offer XXXX. 

I am asking that this transaction be reversed and the payment applied correctly in accordance with Citi policy and that the excess interest charges be refunded to my account. I am attaching as backup the letters and statements I refer to in the above narrative.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 use 1681. 

Account Name : -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  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 convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person should 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 accurate.
Consumer complaint received 2020-07-28
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: Cornerstone Holdings, Inc. (TX)

Cornerstone Credit Services has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX  and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
Consumer complaint received 2018-03-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (OK)

The debt collector XXXX XXXX originally opened the debt collection on XX/XX/XXXX for the amount of {$12000.00}. I don't recall being contacted by XXXX in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (OH)

ADS COMENITY XXXX XXXX XXXX XXXX XXXX, OH. XXXX TO WHOM IT MAY CONCERN : I have no knowledge of this debt I was not provided any notification of any debt from this company. I have not had any chance to dispute this debt.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Deposits of cash several months ago of over XXXX bank forced customers to provide ID and related information even when one has established relationship. Than a few weeks ago they said they changed this policy to XXXX and below. Than again now it has been changed to under XXXX and again it has been changed to under XXXX  and so forth. 

I understand they can do this to customers who don't bank with TD Bank but they are overreaching their authority when making these requests. And not all TD Banks do this. Each bank branch does it on its own and allows the employees to ask for ID and personal information. This is discriminatory practice.

Federal Law Requires banks to report any cash deposit over XXXX dollars. Or any suspicious transactions. For example I have alot of rentals and deal with cash rent and etc. This simple can not be a policy when one has established accounts with the bank. 

The Bank must have it as a uniform policy with all branches not a branch here and there and let employees make up their own policies. 

For Example, TD Bank Branch in XXXX NJ, same employee I deal with will ask for ID when it isn't necessary. Her name is XXXX. This is a discriminatory behavior and this was reported to the bank manager several months ago.
Consumer complaint received 2024-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NJ)

I took out a private personal loan from American Education Services in XX/XX/XXXX when I was XXXX XXXX XXXX. The original loan amount was for {$13000.00}. I started making monthly payments when I graduated from college in XXXX. I have paid every month and on time for XXXX  years as I am now almost XXXX. 
According to AES and my online account, I have paid them : XXXX in principal and $ XXXX interest in the last XXXX  years, but they still say I owe them {$10000.00}. 

I have paid them triple the amount I actually borrowed. They continuously change my interest amount every three months, which increases my payment and then increases my loan payoff date, so I can never actually obtain a loan payoff. At one point, they said I would have it paid off in XXXX. Now it says XXXX. 
I have attached screenshots of my account which shows my account number, name, loan details, and what I have paid them to date.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (UT)

On the morning of XX/XX/XXXX I woke up to 2 emails from chime saying that a bank account had been made using my info. I did not request this and tried to work with them to close the account. After multiple attempts they finally did, but the fact that an account was made that easily is a testament to how poor their banking security is.
Consumer complaint received 2023-05-08
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I have disputed these UNAUTHORIZED/INACCURATE accounts multiple times with EXPERIAN and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccurate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE accounts and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration regarding the ongoing issue of fraudulent items appearing on my account. Despite numerous attempts and previous complaints, the problem persists, and I find this unacceptable.

I have made several attempts to resolve this matter, including contacting your customer service department, submitting dispute forms. However, despite assurances that the issue would be rectified, I continue to encounter the same problem.

This situation has caused significant inconvenience, stress, and financial burden for me. I expect a resolution to this matter immediately, including the removal of all fraudulent items from my account and appropriate measures to prevent similar incidents in the future.

If this issue is not addressed satisfactorily, I will have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies and exploring legal options. With this, I am asking for your assisstance to remove these fraud items in my credit file. XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

I had a Chime banking account for years, but stopped using it and recently decided to make the account a savings/bill pay/big purchases account since its one I dont use.

I made a {$330.00} purchase ( one of many ) to XXXX on XX/XX/year> and my package was said to be delivered on XX/XX/year>, but I never got it. Many attempts to work with the merchant were made with no luck at getting another order sent or being refunded for the order made. 

I, then, opened a dispute for the charge through Chime on XX/XX/year> and their reasoning for denying the payment was because after the investigation they conducted, it was proven that the charge was valid. I never reported that it wasnt. I said I did not receive what I paid for! 

I called the morning of XX/XX/year> almost immediately after I got the denial letter via email to figure out why and what I could do to help my case. I was told to send them any communications with the merchant about the purchase. Which I already did and it shows me offering options beyond just getting a refund. 

It is now XX/XX/year> and I have reached out to Chime via phone, chat and social media multiple times. Their official XXXX told me to contact them and someone who is equipped to help me would and when I called I XXXX. Got hung up on XXXX. Called back to be transferred to another supervisor and got hung up on while on hold ( representative was XXXX ) XXXX. Generic pre written responses and everything comes back to this is what our system says. I cant get a straight answer or any real help with them and this is XXXX XXXX DOLLARS! 

Also, after commenting on their XXXX page it got the attention of a couple people who expressed they have had the same issue with them which lead me to search chime dispute across other apps I use and I found that there are MANY more people whove experienced this with this institution. I will attach all the proof I came up with. My conversations with Chime via XXXX, my phone calls made to them after said conversation via XXXX, the emails I have between the merchant and a few other people making claims that they experienced the same thing which Chime only responded with the same pre written responses about how the issue is so important to them, explain what happened then they instruct everyone to call.
Consumer complaint received 2023-12-21
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. (IN)

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated (NV)

XX/XX/XXXX I initiated another bank transfer from my Way2Go unemployment card and the notice said accepted and cleared. After this the transfer was slated to be delivered and charged me XXXX each for XXXX attempts. I was not notified it failed and was credited back the transfer amount but not the fee amount which is now {$2.00}. I have used this method since XX/XX/XXXX and never had issue. Now for the passed XXXX weeks all my transfers were canceled and returned to the Way2Go card. 

This entity is 100 % automated and there is no method to speak to a real person or email for assistance. The state can not interfere or ask questions. This entity is completely autonomous and automated. I can not pay my bills if I can not transfer the funds to my actual account.
Consumer complaint received 2023-05-08
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)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX Balance : {$11000.00} ; 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
Consumer complaint received 2023-05-08
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. (MO)

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. Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : DPT EDXXXX 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 name : XXXX XXXX Account name 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 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Every month around the the XXXX I received {$2200.00} for my social security XXXX payment to my checking account at JPMorgan Chase my account number is XXXX for the last several months Chase Bank is still my government entitlement and refuses to return the money to me he's a government benefits I believe this is a serious crime they belong to me not to Chase and Chase refuses to return them to me
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Citizens bank locked me out of my accounts, when calling them they left me on hold for over XXXX mins to tell me my account was suspended they cant give me access to my accounts and they are closing my accounts. I had to rush and change my bank information. They sent no notice. Additionally I had problems with transactions on the account that were unauthorized, instead of addressing the claim they closed all of my accounts without telling me, they also didnt mail any notice. They have also charged me fees in the past and wouldnt refund them. I currently had a claim going on and instead of answering my claim they locked me out of my accounts and closed them. I have done buisness with them for over a year.
Consumer complaint received 2023-11-26
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. (NJ)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Equifax, XXXX and XXXX have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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.