davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

We routinely pay slight more than our needed amount in a given credit card cycle. One month prior to the issue at hand, the balance required to be paid was {$3500.00} and we paid {$5000.00}. Next month required to be paid was {$3400.00} and we paid {$6500.00}. the next month required to be paid {$2800.00} and we paid {$3000.00}. We are paying current month charges before the cycle closes each time and paying above and beyond the prior month closing balance. 

The issue, the cycle starting balance of {$3400.00} was due for that cycle and we paid {$6500.00} via separate payments various return credits of {$560.00}, a mid cycle payment was {$2000.00} and end of cycle was {$4000.00}. That {$4000.00} was apparently not early enough even though it was in the current cycle. Citi wanted payment on the first and we sent it on the third and our cycle closed on the XXXX. We were charged {$68.00} for it not being in by the first. So, {$3400.00} less the {$2500.00} of " timely '' payments is {$870.00} not received by the first. {$68.00} interest divided by {$870.00} is 7.83 % which would be 93.96 % for the year and even worse if you figured the 7.83 % was only for 3 days. I understand we were late because we didn't pay attention and I would eat the {$68.00}. 

That statement closed with a balance of {$2800.00} which was once again due by the first. We paid {$3000.00} on the XXXX of the month before the first to avoid the issue. The cycle closed and we were charged {$93.00} of interest. That takes the total interest to {$160.00} of interest for the {$870.00}. That would be a 228.55 % APR. 

We called Citi, they explained it takes them XXXX months to charge the interest and there should not be any for the next month with a timely payment. They could/would not explain the calculation and they could not waive the interest charges.
Consumer complaint received 2022-12-07
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-09-08
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. (AL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2022-10-24
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$4900.00}.
Consumer complaint received 2023-09-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

On XX/XX/2023 Enhanced Recovery Company reported to credit bureau 's that I owed them a debt. I am disputing this claim. According to the Fair Debt Collections Practices Act and Fair Credit Reporting Act, Enhanced Recovery is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Under the FCRA, unverified accounts must be removed and if Enhanced Recovery is unable to provide me a copy of verifiable proof, they must stop reporting this fraudulent information to credit bureau 's.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I modified mortgage loan with the Chase 6years ago when I close Finance I signed on the paper and I initialed the bottom of the right side corner. I want to get copy of original Statement what I Initial signed, Because when I settle with the bank Bank Chase no interest for {$180000.00} no interest but right now balance is {$250000.00} and variable maximum interest rate up 4.25 % than after 5year intree rate. Will be fix but right now 4.9 % they charge me so much. I  requested I want to see original paper I didnt receive that they never send it to me, I requested original first signed paper 6 years ago with my initial each paper loan documents. Chase not help me verify my loan paper. Please help me. My mortgage loan number is # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

Hello my name is XXXX XXXX. On XX/XX/2023 I called my financial institution Navy Federal Credit Union. The reason for this call is because I had called the Financial institution 2 times previously in regards to a check I had deposited being out on hold. A supervisor and a regular support staff both had told me my funds would be available today on XX/XX/2023. However when opening my bank app I noticed the money still has not cleared my account. I decided to make a call to Navy Federal again on XX/XX/2023. It was then when I was met with the upmost rude customer service I have ever received from a financial institution. The representative was back talking and talking with a very rude attitude in her voice. She had told me that I WAS LIED TO and that the funds now would not clear until tonight at midnight. Making the hold of my funds 6 days. 1 day beyond what federal law allows. The bank then justifies that since it is processed at midnight the funds are technically made available on the XXXX day even though midnight would make it the XXXX day. I then asked to speak to a supervisor, I was put on a very long hold. After this long hold a supervisor named XXXX had come into the line. She sounded very nice at first however when I made a complaint she instantly retaliated and went on defense mode with a rude mannered attitude like the previous representative and did absolutely nothing to help. Navy federal credit union has been purposely holding all of its account holders funds for long periods of time and not giving and written communication about funds being held within the whole duration of the 6 days holding your funds when federal law requires written notice witching XXXX business days. Navy federal deliberately hold funds from account holders for long periods of time with no written explanation costing accounts thousands per year in late fees and additional interest due to not having access to their funds.
Consumer complaint received 2023-09-08
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. (TX)

There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened.

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, XXXX Dear XXXX, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
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. (NY)

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 act 15 usc 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/23 a person called me from a restricted number saying they were trying to deliver important documents to me. He told me to call XXXX and reference XXXX  XXXX. When I called the person read off my name, full social security number and asked for my DOB. I was hesitant to give it but I did. He then told me I had a civil suit against me with Bank of America to collect over XXXX XXXX. I told him I never had a Bank of America account and he became rude and told me I was in a lot of trouble if I didn't work with him on this, etc. so I hung up the phone. I was surprised that they had my full SS # which lead me to believe they were legit.
Consumer complaint received 2023-09-26
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: Navient Solutions, LLC. (IL)

I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. All my Federal Student loans have been forgiven in a XXXX XXXX case, but I am having problems with a Private Loan from you - Navient  ( formerly XXXX XXXX ). As you know, there was a lawsuit against Navient for unlawful practices, and I SHOULD HAVE BEEN included but NEVER received any information on this. I have been pleading and contacting you for years about my case, and have continuously been ignored and punished. I am struggling to make ends meet, as I have XXXX young children, and am unemployed. 
The loan is XXXX, as the interest alone is 18.375 %. I have been paying for years, and the balance keeps RISING, because I can not afford the payments, and you have not only damaged my credit, but my ability to have any kind of options for living. Take my loan OUT of the negative report, and remove the balance, as this loan is OBSOLETE. Thank you for your help.
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/2023 I received an alert on my credit report of being past due 30 days with Chase auto finance for my XXXX lease payment. They told me my auto payment setting that have been in place for years were turned off. I was not notified of this by any of the contact information I provided to them. I asked Chase for evidence that they had told me my auto payment information had been deleted by them and they could not provide it. They said they have a call record but I did not talk to them on the phone. When asked for the recording or a transcript of the recording they refused. When I asked for proof of delivery of postal mail to me they refused. They would not provide me is any evidence I was told they turned off my payment settings so I did not discover late payment until it had already happened. I asked them to correct this and they said it's against the law to correct past reports. The refused to provide any explanation or evidence.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account number:XXXX
Consumer complaint received 2023-07-13
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. (TX)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have applied multiple times for credit through apple for the XXXX XXXX and I have been declined for various reasons which are untrue. My credit score is definitely way above the needed to get the card but my trans union report is telling XXXX and XXXX XXXX that my monthly debt is too high given my income. I have ZERO loans in my name. It is also saying that my payment history is too low and Ive had a credit card for over a year. It states also that I do not have enough supplemental third party data on inquiries. Lastly it now says it can not verify my information. I need my credit report and info to be displayed correctly to lenders and I have had no problems getting the XXXX XXXX XXXX through XXXX. Please help.
Consumer complaint received 2020-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A. (VA)

I received a Garnishment Summons that shows a Total Balance Due of {$890.00}, the Judgement Creditor 's Attorney submitted the information for Garnishment after I missed payments according to a XX/XX/XXXX agreement. Which stated I would pay {$100.00} per month on the {$1200.00} balance. I made two payments and XX/XX/XXXX, my wife was admitted to the hospital. I missed payments because of this medical hardship, then had a change in employment on XX/XX/XXXX and I received the summons XX/XX/XXXX. I admit I didn't notify them of my situation because it was a lot to deal with caring for my wife and XXXX children while working full-time and some financial matters fell behind. 
The summons states the following : {$3700.00} Judgement Principal {$3600.00} Credits {$21.00} Interest {$70.00} Judgement Costs {$0.00} Attorney Fee {$630.00} Garnishment Fee {$890.00} Total Balance Due I spoke with representative  named XXXX on XXXX, XX/XX/XXXX from the Attorney 's office and was informed my Outstanding Balance was {$1200.00} according to their records. I asked why the summons stated a lower amount and he proceeded to explain that my XXXX XXXX XXXX XXXX account activity would be frozen until the court date of XX/XX/XXXX. I expressed my confusion on differing amounts outstanding and was told it was nothing that could be done.
Consumer complaint received 2023-09-08
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.