davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NY)

I filed a complaint to TD bank before. TD bank issued a credit. Now they charge me it back. I sent all evidence with my previous complaint. TD dispute department used same reason to delay my claim. The department cant be reach by telephone or websites. I will be attached all the evidence of my wifes wallet was lost. The all my credit cards and bank card was in side. XXXX XXXX XXXXXXXX credit car was charged at same place of TD bank card charged. I got my money back from XXXX XXXX XXXXXXXX, but TD still claims the charges were my wife.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. EQUIFAX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE TWO ACCOUNTS STILL OPEN ON MY XXXX   CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info EQUIFAX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE S DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY CREDIT SCORE
Consumer complaint received 2023-05-09
Product: Credit card or prepaid 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: Chime Financial Inc (RI)

On XXXX XXXX XXXX  I used my Chime Credit Builder Visa card to make a {$190.00} purchase. This amount was authorized on that date on XXXX. 
On XX/XX/XXXX I picked up that order, but the final cost was {$69.00}. So when XXXX settled the transaction on XX/XX/2023 {$120.00} was released from the originating transaction by XXXX. 
Chime then placed that authorization release of {$120.00} as an Authorization hold on their own, with no new transaction issued by XXXX. 
Since then, Chime has refused to release this unauthorized authorization hold for an additional 7 days, I believe, illegally, since I never authorized an additional transaction in the amount of {$120.00}. I have email documentation from XXXX 's billing department, as well as a screenshotted chat with Chime Customer Service essentially admitting that the authorization hold was illegal as XXXX " cancelled '' the originating transaction prior to it settling, and that an authorization release " is an authorization hold ''.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I had fell behind on my Citibank credit cards, I was able to bring one account back current, so I started working on the second card. I went on the mobile app to make a payment on XX/XX/XXXX, I noticed that my account had been closed without my knowledge, I had not received letter nor and email about my account being closed. So, I contacted Citibank immediately, the agent that answered the phone was not willing to listen to my complaint, he kept asking me, had I received a email about my account being closed, I informed him that the only email that I'd received was that I could call to get my payments lowered down to XXXX a month, nothing about my account being closed. He informed me that my first card was closed on XX/XX/2023, and that my second card was closed on XXXX XXXX, I asked why first card was closed when I was back in good standings, he had no answer for me. I asked to be transferred to a manager, he kept me on hold for over two hours then he hung up on me. Since my accounts have been closed Citibank has continuously been reporting me delinquent to all three bureaus, I still have not received any letters mentioning the reasoning behind closing my accounts. As of today, the card number ending in XXXX which was caught up with the balance XXXX with a credit limit of XXXX as XX/XX/2023, today 's balance on this card is XXXX. My second account ending in XXXX balances as of XX/XX/2023, was XXXX. As of today, my balance shows XXXX. I have attempted to call to resolve this matter with not success, I have disputed this with the credit bureaus. This has affected me significantly. Please help me. thank you
Consumer complaint received 2024-06-13
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. (NY)

Now I will write you requests for loans and credit cards that I did not make. I requested a copy of my credit report and in the hard inquiries section I saw requests that I did not make. These are fraudulent actions. I don't have any credit cards, loans, or other credit products from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these hard inquiries from my credit report as they do not reflect my real inquiries and negatively affect my credit report.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: U.S. BANCORP (MO)

Regarding my recent late payments due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-05-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report  that showed i was in XXXX  on XXXX XXXX. XXXX  on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any XXXX XXXX and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with portfolio recovery so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi portfolio recovery was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX  and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship
Consumer complaint received 2023-11-30
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. (AL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX BANK account number : XXXX & XXXX XXXX account number : XXXX 15 USC 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 accounts without my written instructions.

15 U.S.C 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.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On SundayXX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (Transunion, XXXX XXXX.) from XXXX servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XXXX points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
Consumer complaint received 2018-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received an updated XXXX credit report today and still the accounts that I am disputing are still reporting. I tried to call XXXX XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. XXXX should have received the same response and delete but they did not do it. 2 ). XXXX XXXX  XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX report. XXXX  ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX  XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and XXXX I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was sent a fake letter in real BofA letterhead stating I owed {$16000.00} in credit card fees. The letter used a real BofA hyperlink that redirected to another fraudulent website. It also used a real BofA address from a BofA Commercial Card Team. I didnt call the number but have attached the letter below. 

Of note, the letter was left on my doorstep and not in my mailbox.
Consumer complaint received 2018-09-08
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: SYNCHRONY FINANCIAL (CT)

Reflective on my XXXX credit report under " hard inquiries '' I see two ( 2 ) " XXXX National credit cards/Airlines '' inquiries, which to my knowledge I have never formally inquired for such a card for airline travel or so. The dates reflective are XX/XX/XXXX when I applied and recieved a XXXX XXXX XXXX credit card through Synchrony Financial most recently on XX/XX/XXXX, when using the same Synchrony Financial for a credit card for medical services. It seems that this Airline credit card is generating from any application for credit through this company. But I have never myself applied for this service.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
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. (PA)

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 U.S.C 1681 l XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are 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, and I am left with no choice but to 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 well-being.

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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Equifax credit report, I see that XXXX has reported account XXXX  twice. I am hereby requesting that XXXX please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Equifax oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account from my credit report.
Consumer complaint received 2018-09-08
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 (CA)

On XX/XX/2018 around XXXX PST i called Bank of America Credit card services at ( XXXX ) XXXX. The purpose of my call was to make a payment that was due on XX/XX/2018 based on the billing statement that they had sent me. When i called in i spoke to an individual who's name i did not obtain. The rep advised me that my payment will post with a date of XX/XX/2018, causing a late fee, even though i was making the payment on the due date, the associate explained that Bank of America processes their payments based on Eastern Standard time. I asked why was i being punished for living in a PST time zone and making my payment on time based on where i live and the time it was. the rep explained that because i live in california and i am calling on the due date the late fee would be waived and my payment would be honored as on time. 

I called Bank Of America on XX/XX/2018 and had the call escalated to a supervisor by the name of XXXX in the Montana location. I explained the situation to her, and she refused to waive my late fee at first. I explained to her it is Bank of Americas duties to stand by the promises their employee make, XXXX explained that because the previous associate did not document anything about a late fee, they could not honor it. I believe this is horrible customer service on their end. I have been a long time customer and they refuse to honor previous promises. 

XXXX eventually agreed to waive the late fee on a contingency of filing an official complaint where they will " research '' the situation, and if they feel that it is warranted they will keep the fee waived, if not they will charge it back. 

i have attached a screenshot of my bill showing that i call on XX/XX/2018 as proof.
Consumer complaint received 2023-10-23
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. (MD)

In accordance with the Fair Credit Reporting act 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 USC 6802 A. may not disclose personal information.
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.