davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have Parent Plus Loans that have been taken off of all of my credit reports and should be off of all credit reports but for some reason Transunion continues to show them on my report which is causing damage to my credit and has kept me from being able to receive loans to improve my life and help me reestablish the Agribusinesses and everything else I lost after being XXXX in XXXX XXXX I spoke with them on the phone and was told to give a month or 2 at the most. When nothing happened I filed 2 more Complaints through XXXX XXXX but Transunion is still showing them as open and outstanding instead of showing them as closed and paid like the other Credit Bureaus. This is causing a lot of harm to me on a personal level and keeping me from being able to improve my life since being XXXX and being able to leave the XXXX XXXX XXXX I was in for almost 5 years.
Consumer complaint received 2024-05-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I Lived at XXXX XXXX  for more than 7 Year and in XXXX XXXX I decided to buy a House and Gave them a Notice on XXXX XXXX, XXXX this gives them the 20 days notice required, and I moved on XXXX XXXX. 
I went after I move maybe XXXX weeks or month and Asked for my refund and they told me that it is being delt with at the management company ( XXXX XXXX ). 
I got distracted with the House and did not contact them for the refund. 
In XX/XX/XXXX I got a notice that a Collection in in my account, I checked and it says from " GENESIS CREDIT MANAGEMEN Last reported XX/XX/XXXX {$980.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor '' This is a copy from XXXX XXXX. 
I went to the Office of the Apartment and asked about the status of my refund, and they said that they do not have a manager and to contact them by Email and I did on XX/XX/XXXX, but no response from them. 
I never got any communication from them or the collection agency in this regards I did not know about this except from my credit report. 
They have my forwarding address and I have mad a change of address on XXXX, and they have my phone and email, and still they never contacted me. 
Please help to stop this Harassment and poling. I had to put up with a lot of this during my stay and they continued ignore any laws to at least tell me what I owe if I did, and why I did not get my Refund that according the Laws they have to Inform me with 30 days. 
Thank You XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (CO)

Contacted XXXX XXXX XXXX on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) included false charges in debt and are attempting to collect which is an illegal business practice. Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spoken with the XXXX XXXX XXXX and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam, I am writing to file a formal complaint regarding the unacceptable treatment I received from Citibank recently . On XX/XX/year>, I visited the Citibank branch located at XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, where I made a cash deposit of {$300.00} into my personal account. Shortly after, I conducted three routine transactions using my debit card at local businesses. However, later that day, my account was inexplicably frozen, and my card was blocked without any prior notification or explanation. 

Despite numerous attempts to contact Citibank 's customer service representatives, I was met with dismissive attitudes and abrupt call terminations. It was not until XXXX XXXX that I reluctantly gave up my efforts to resolve the issue that night. The following day, I visited the same branch in person, hoping to gain clarity on the situation. Unfortunately, the personal banker I spoke with provided little to no information beyond stating that my account had been frozen due to suspected fraud, and instructed me to call a specific number after a 48-hour waiting period. 

I find it highly concerning that my account was frozen on the same day I made a legitimate cash deposit, and my subsequent transactions were routine purchases of essential items such as food and personal care products. I have all the relevant documentation, including the teller deposit receipt and purchase receipts, to corroborate the legitimacy of my activities. 

Citibank 's actions have caused me significant inconvenience and distress, as I have been unable to access my funds or conduct any financial transactions during this period. I believe this situation has been handled poorly, and I deserve a thorough explanation for the freeze on my account, as well as a prompt resolution to restore access to my funds. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed response addressing the reasons behind the account freeze and the steps required to rectify this issue. I expect Citibank to take appropriate measures to prevent such occurrences in the future and to uphold its commitment to providing excellent customer service. 

Thank you for your prompt attention to this matter. I look forward to your response and a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had several name changes, and it seems the bank believes my account was opened fraudulently. However, I have provided all my original documentation in person at the bank, but they never resolve the issue. I am tired of this situation, and all I want is for the blocked account to be closed and my deposited money to be reimbursed.
Consumer complaint received 2024-07-25
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. (NH)

On XX/XX/XXXX I called XXXX at XXXX XXXX answered I asked her if she can confirm my balance, she transferred me to XXXX. XXXX works in collections she is the one that reports to the 3 credit buerues. I asked her how much I owed she XXXX continued with well your car is out for repo they are looking for it right now. XXXX stated i needed to pay $ XXXX change or they can take my car and she can't put a stop to the repo without payment of {$710.00}. and some change. 
XXXX stated " repo '' can take my car today ( meaning that day ) keep in mind it was XX/XX/XXXX, I go to bank make that payment. Come home call her ( XXXX ) to confirm Payment I ask XXXX from collections when is my next payment, she ( XXXX said XX/XX/XXXX, XXXX hmm ok so today is XX/XX/XXXX, my car is up for " repo '' No this is false Friadent statement in attempt committed by XXXX XXXX Collections Dept. Due to retaliation against prior complaint. She XXXX lied to me forcing me to make a 3 month payment to keep my balance high & making me pay all fake illegal late fee again to sabotage and destroy my credit due to retaliation. This is all a part of XXXX conspiracy. XXXX lied forcing me into more hardship made me pay a month in advance Only to make it look like to the credit reporting agency that my payments are due every 3 months making my balance higher. Than lien and 3 days late report me late for 60 days smh! and adding on later fee to continue to hurt my credit score. 
I then say to XXXX {$170.00} in XXXX she XXXX replied yes {$170.00} XX/XX/XXXX XXXX then XXXX XXXX to the XXXX credit bureaus late. For XXXX. I opened my loan XX/XX/XXXX my contract is payments from the XXXX to XXXX of every month. i have to be a month behind before she can even report me, but XXXX can do whatever she wants like she told me there is no one above her. loan opened. I told XXXX that all my payment is to go directly to car. Not to split pay just straight to my car. as I did when i had paid of a XXXX car without XXXX late payment. I wil like to submit XX/XX/XXXX, audio where you can hear XXXX lie out her teeth.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (NY)

I am alarmed about the credit inquiries in my report which I don't recognize and could have been used for fraud, this is really concerning because I did not authorized or consented with these companies to pull up my credit report it's stressing me out and making me XXXX.
Consumer complaint received 2024-07-25
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. (FL)

Inaccurate late payment remarks XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXXXXXX XXXX keeps showing up on my credit report. This is not my account I have never heard of them before. It says collection for XXXX. Ive never had sprint either. I would like this removed.
Consumer complaint received 2024-05-21
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: JPMORGAN CHASE & CO. (CA)

See Letter! 

I provided the extensive summary, a copy of a statement from the witness and my hotel charge with the original cardholder dispute submission. 

Today, a JPMorgan person called and said they will not give a refund, that there is no chargeback reason. Further that I stayed and used the hotel and that I got points. First, like where was I supposed to go? Also, I waited for responses from both XXXX and XXXX XXXX. So, I had to stay put. Also, the points I received doesn't even cover a one night stay anywhere. 

I told the guy XXXX! You can make a decision for your cardholder customer! 

I see no reason to keep this card account, they make great interest off my account, I have never missed a payment, on a high credit line. This issuer has no clue how to treat a valuable cardholder customer. No empathy to what I went thru, no effort to hold this merchant accountable. This is why JPMorgan reported billions in profits. A detached, uninformed, unprofessional, discourteous card issuer. Shame on you!
Consumer complaint received 2024-01-08
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. (MD)

I pulled my credit report and found numerous credit inquiries that i didnt make. My report has multiple versions of my name and multiple out of state addresses. I have lived in XXXX XXXX, Maryland for 20 years at the same address. I will attach documents
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have unknown inquiries on my credit file that I did not approve to run my credit nor do I have an active/open credit account with from these companies. I am ver concerned regarding the serious possibility that the credit reporting agencies have not followed the permissible purpose provisions of the Federal FCRA. The inquiries in question are listed below alongside the date they were reported : 1. XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX. - XX/XX/XXXX 3. XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX. - XX/XX/XXXX 5. XXXX XXXX. - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXXXXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX - XXXX XXXX  10. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

I rented a car XXXX to take a trip to XXXX in XX/XX/2024. I ended up canceling car and XXXX sent me back a refund and I never received it Ive sent them multiple receipts from XXXX and they keep telling me it was returned to my account but can never provide proof of the transaction
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We did a loan payoff on a vehicle and Bank of America received the payment on XX/XX/2024 and the payment cleared on XX/XX/2024. We have contacted Bank of America for updates and to release the lien and have not received a response. We emailed them copies of the check clearing and they still have yet to respond. Whenever we reach out to them they only tell us that a supervisor will reach out and no one actually calls back. We have called them over 12 times over the past few weeks with no success.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NJ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of XXXX a payment was made for my Synchrony bank Amazon store card for the full amount of charges due, Leaving the account with a XXXX balance. Unfortunately, Due to fraud on a XXXX XXXX  account, completely separate from this one, I was forced to file for bankruptcy in XXXX of XXXX, however luckily With the help of loans from family and friends was able to re establish my affairs and dismiss the bankruptcy case. To my surprise and dismay, Synchrony bank had added itself as a creditor seeking relief in my bankruptcy case, seeking full relief for the bill that had already been paid since XX/XX/XXXX in full. Via a recorded conversation by me in XX/XX/XXXX With synchrony bank, in which I did advise them I was recording the call, they did acknowledge and confirm receipt of the payment made in full XX/XX/XXXX of XXXX for over {$4500.00} The Synchrony bank Representative was as confused as I was However, told me she could not see anything further on my account. I sent a letter requesting verification of payment And questioning why they had closed my account and why They were requesting full payment again When payment was already made. In return I received a letter from Synchrony Amazon store card asking If I was satisfied with the representatives assistance and nothing more. Approximately a month later I was phoned by a collection agency and also told by the collection agency attempting to collect on this account they also were very confused because they did see the payment was made in full, thus prompting the collection agency to initiate a dispute for me as well in regard to this account and this matter. My account was unjustly closed, Synchrony attempted to fraudulently collect on a debt that had already been paid, and at this point I can not even log into my account.
Consumer complaint received 2024-01-08
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. (FL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off Under 15 U.S.C. 1666a Alleged Illegal Down Payment and Unauthorized Credit Inquiry Dear XXXX XXXX, I am writing to formally dispute the charge-off on my credit report related to my account XXXX. I assert that the charge-off was based on a down payment that I believe was inaccurately deemed illegal, coupled with an unauthorized credit inquiry. I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666a, to address and rectify these issues.

Account Number : XXXX  Date of Charge-Off XXXX XXXX I recently discovered that the down payment made on XX/XX/2023 has been incorrectly categorized as illegal under the Fair Credit Billing Act. I believe this mischaracterization has led to the unwarranted charge-off on my credit report. Attached herewith are documents supporting the legality of the down payment, including receipts and relevant transaction records.

Additionally, I have reason to believe that an unauthorized credit inquiry was conducted in relation to this account, which may have adversely affected my credit score. I request comprehensive details on the nature and purpose of this inquiry, as well as any documentation proving the authorization obtained for such an action.

In light of the aforementioned discrepancies, I kindly request a thorough investigation into the circumstances surrounding the alleged illegal down payment and unauthorized credit inquiry. I am entitled to fair and accurate reporting of my credit history, and it is crucial that these matters be promptly addressed and rectified. 

As a remedy, I am seeking the removal of the charge-off from my credit report. I kindly ask you to correct any inaccuracies and update my credit report accordingly.

Please provide documentation supporting the charge-off, details regarding the down payment 's legality, and information on the unauthorized credit inquiry. Additionally, I request copies of any agreements, statements, or correspondence related to this account. 

I am aware of my rights under 15 U.S.C. 1666a and expect your timely response to this dispute. Your cooperation in resolving these issues promptly is appreciated. Add I wish you to cease and desist. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (MS)

I recently obtained a copy of my credit report and notice that i have some hard inquiries that i did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX