davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both XXXX and Equifax wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX is the only company that I can freeze my credit score online. 

Thank you very much XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I notified the credit card company of two fraudulent transactions that were posted on my account on XX/XX/XXXX. One transaction was in the amount of {$180.00} at XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ. The other transaction was in the amount of {$35.00} at XXXX # XXXX, XXXX XXXX XXXX, NJ. Upon notification on my part the charges were immediately credited to my account on XX/XX/XXXX pending investigation. On XX/XX/XXXX, I received a letter from the bank declining my fraud claim for the disputed transactions. Based on their investigation, my card was used for the charges. Not satisfied with their initial findings, I reopened the investigation requesting a further and more in depth investigation. After that I did not received any written notification from the bank or a phone call updating me on the status of the dispute. On XX/XX/XXXX I contacted the fraud department to check on the status of the investigation and I was told that the claim was closed and there was nothing else they could do to help me. Words can not describe how frustrating this whole ordeal has been for me, from dealing with different representatives and departments trying to get this resolved. I feel like I have not been treated fair and the bank failed to do its job of investigating the dispute the right way. I am so disappointed with the way they handled my claim that I will never do business with them. The worst of all is that I have been a loyal customer who always pay on time, and to be treated this way is not right.
Consumer complaint received 2021-06-29
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: Federal Adjustment Bureau, Inc. (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX XXXX # XXXX -FEDERAL ADJUSTMENT BUREAU INC # XXXX
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (KY)

I paid off the end of my lease which was {$1200.00} at the beginning of XXXX so in order for me to get the title i have to pay {$3600.00} which is fine but they want me to pay it up front which i do not have that kind of money to do that i can not get refinanced through westlake portfolio management because of my credit i have called numerous time askin for more time one time i called a lady said yes they would work with me im like ok i calls back again another lady is telling me they can not work with me and was very rude about it and before they took over for american car center a while ago i asked about this if i wanted to purchase the car how long did i have to pay it off they told me 6 months this company has a lot of people there they give different answers each and everytime i call i just wanted till the end of XXXX to pay this off i really dont feel like that should be a problem
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My XXXX XXXX XXXX ( Loan # XXXX ) is not being reported as a XXXX XXXX. It is reporting as an Other Loan and needs to be reported as XXXX XXXX XXXX to the credit bureaus.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to experian and Experian is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and Experian needs to do the same.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

I recently closed the business account with the US BANK due to fact that I don't need to use this card anymore. It also doesn't help the fact that the card came with {$95.00} fee which for the level of usage is impractical for my business to use. 
However when I attempted to receive the redeem the balance of my points XXXX ( {$6.00} ) since the company prevented me from its redemption several months ago I was refused and the US bank stated that the points will be forfeited. 
Frankly speaking these points belong to me and since the US bank prevented me from its redemption last time it should issue the {$6.00} check for its balance. 
It is only the right and decent thing to do.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received a letter from HSBC on XX/XX/XXXX stating they were reducing my credit limit stating it was due to a low credit score, missed payments, high balance and more. 
None of which were based on reality as I have always paid on time, every account outside of HSBC has been paid on time, my Fico score was XXXX, my utilization ratio was at about 25 % of the card 's total limit. 

The cut reduced my limit by 74 % which will make my overall credit utilization sky rocket and severely affect my overall credit score. 

I called immediately after opening the letter on XX/XX/XXXX asking for answers thinking it must be a mistake. They said they would look into it and give me a call back by the end of the next day. 
On XX/XX/XXXX I did not recieve a call. 
I called back on XX/XX/XXXX and asked if they could pull up the issue and they informed me there were no notes of any conversation. After being transferred several times I spoke with someone who said the only way I could submit a complaint is to write a letter. I asked if there was any other way to fix this sooner by email/phone etc. And they said no. 

I wrote my letter with attached full credit report and mailed it via certified mail on XX/XX/XXXX. 

I recieved a call in response to an email I had sent out on XX/XX/XXXX. The call was at XXXX, they left a message and told me to call them back. I did and unfortunately it was just the main number so I didn't reach anyone. I left a voicemail saying I was returning the call. I have never received a call back. 
I emailed the representative that left a voicemail on XX/XX/XXXX informing her that it was XXXX on the west coast, but I was available anytime between XXXX PST 7 days a week. 
On XX/XX/XXXX I recieved an email dismissing my complaint and ignoring my request for phone communication. The email stated " We regularly conduct reviews of customer accounts and may make changes as a result. A decision was made to decrease the credit limit using a combination of credit bureau reporting and existing banking relationship. Ive included a current copy of the Cardmember Agreement provided when you applied for the account. Credit Limits, and our right to change the limit, is discussed on page 2. '' Which was the exact letter I recieved in the first place and the same response I kept getting from calling the customer service line.

I responded to the email 12 minutes after it was recieved asking if she received the letter I mailed and know was given to the office because I sent it certified mail. 
There was no response. 
The letter contained my complaint, my full credit report and payment history with every account I have showing a flawless record. 

I was not listened to, it was near impossible to get someone to talk to, I was still given false reasons as to why this happened and this is going to severely impact my credit despite doing nothing wrong.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have been trying without success to get access to my credit report. I have called on numerous occasions but Equifax has demanded an excessive amount of documents so that I can get the report. I am sure this is designed to make it impossible to get the report I .am convinced there are errors in the report but can not find out without gaining access to the report. Any help would be appreciated.
Consumer complaint received 2022-02-22
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. (MS)

I have sent dispute letter on XX/XX/XXXX via Consumer Financial Protection Bureau, XXXX XXXX response on XX/XX/XXXX saying the investigation complete. A review of your account history provided by XXXX Department of Education XXXX XXXX confirmed your loan was accurately reported past due to the consumer reporting agencies from XXXX through XX/XX/XXXX prior to forbearance being applied on XX/XX/XXXX. 

FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Late payments and utilization are illegal 15 usc 1681 a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ) Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment 2 different years, Balance update Instruction : Please update payment history current/never late or deleted the account PLEASE SEE ALL ATTACH DOCUMENT
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On XX/XX/XXXX I logged onto the PennyMac site to make the XXXX mortgage payment on my rental property. Their system showed I had not made my XX/XX/XXXX payment and that two payments were currently due. Thinking that possibly I had neglected to make the payment I made two mortgage payments. After I logged off their system I checked my online statement with XXXX XXXX and found that my XXXX payment had been made on the XXXX. I have called numerous times since and have found it difficult if not impossible to get them to admit that there system is in error and have requested my second payment for XXXX returned to me. I have received several phone calls and two letters from PennyMac asking if I need loan assistance because their system still shows that I missed my payment in XXXX. I would like the second payment amount I made in XXXX returned to me and my account to be correctly credited with XXXX payment.
Consumer complaint received 2024-03-16
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. (TX)

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the accuracy of information on my credit report maintained by TransUnion. Despite sending factual disputes, I have noticed that the same error persists. Specifically, the account from XXXX XXXX XXXX, Account # XXXX, displays a balance of {$3700.00}, which is incorrect and puts TransUnion out of compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All CHARGE OFF IS CONSIDER INCOME ACCORDING TO IRS PUBLICATION 4681. INCOME SHOULD NOT BE REPORTING ON A CONSUMER REPORT BUT SHALL BE FILED WITH THE IRS AS TAX YEAR INCOME. REPORTING INCOME IS A DIRECT VIOLATION WITH THE INTERNAL REVENUE SERVICES. NO 1099C COPY B WAS NOT PRESENTED TO ME SO I CAN FILED MY TAXES PROPERLY. 

Reporting inaccurate information or willfully misrepresenting information is a violation of 15 U.S. Code 1692e - False or Misleading Representation. Additionally, According to 15 U.S. Code 1681b- Permissible Purpose I see two hard pulls on my report XXXX XXXX XX/XX/2022 and XX/XX/2022. I DID NOT GIVE CONSENT. NO DOCUMENTS THAT CAN VERIFIED THAT I GIVEN THEM PERMISSION TO VIEW MY CONSUMER REPORT. REMOVE IMMEDIATELY. 

I demand that TransUnion immediately correct these errors. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TransUnion does not have my consent to furnish this information, and any and all consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. I am opting out of TransUnion 's reporting services as permitted by 12 CFR 1016.7.

I request that TransUnion conducts a thorough investigation into these matters and provides me with written confirmation once the incorrect information has been corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information or documentation.
Consumer complaint received 2023-05-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (FL)

In late XX/XX/XXXX my CD with US Bank ( XXXX ) came up for renewal. They offered 1.15 % APY for 59 months. I agreed since one of their representatives assured me that if rates went up, I could redo it at a higher rate for just a {$25.00} fee, NO other penalty. I thought this was unusual so I triple checked it with him. He assured me that was right. I keep detailed notes of such conversations, including this one. That was XX/XX/XXXX. When rates recently went up to over 4 % I contacted US Bank to convert it over to the higher rate. Now they've told me that there is a penalty of 3 % of the principal. Along with the {$25.00} fee that would be {$270.00}, which wouldn't make financial sense to do it. I asked them to look up a recording of the call in which I was definitely told it would be just a fee of {$25.00}. They wouldn't and said there was nothing that could be done. One of their reps did tell me that the original rep I spoke to in XX/XX/XXXX would've been on sales commission to get that renewal. I know US Bank has been fined before for pressuring employees for sales. I just want them to keep their word in what I was told -- convert the CD still with them for {$25.00}.
Consumer complaint received 2020-01-15
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: DISCOVER BANK (MA)

On XX/XX/2020 I was looking at my emails and seen a promotion to see if I pre- qualify for a Discover Credit Card. It said checking to see if you qualify will have no impact on your credit, so I filled out the information and got an alert from XXXX saying there has been a hard inquiry on my credit report. I contacted Discover and got know where. I do have a screenshot of the promotion that Discover claims is not true. I hope you can help me get this off my credit report.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

Since sometime in 2017, I have had a limitation on my PayPal Credit account with no explanation why and no way to remove the limitation. 
I have made many, many attempts to rectify this to no avail. I have repeatedly used their online resolution center, called, emailed, chatted, and always get the same response that my service is limited, can not be used, and nothing can be done to resolve it. 
I have also repeatedly requested that the account be closed, and they will not close it. They continue to send me emails requesting an update to expired cards but then I still can not use the card. 
I have FICO scores of 820+ have NEVER done anything to have a limitation with PayPal - yet can not get this resolved or the account closed. I do not want an account open that I can not use and yet has credit card files on me that I can not control. 
This has been going on now for nearly 3 years! 
I need this matter resolved or the account closed.
Consumer complaint received 2022-11-11
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices Howard Lee Schiff, P.C. (NH)

The " Law Offices of Howard Lee Schiff, P.C. '' sent me a letter saying, " Thank you for your recent credit card payment. The information regarding this paymemtis listed below : Authorization Date : XX/XX/XXXX Payment Amount : XXXX Last Four Digits of the Debit Card : XXXX '' I have never communicated with this " law office '' and never authorized any money to be paid to them. 

I have no debit card ending in XXXX. 

There is no transaction for {$150.00} on either of my checking accounts. 

I have no idea what this " debt '' is, or what this letter is about, unless it is an attempt to draw me into communicating with this firm. 

The letter came from this address : Law Offices XXXX  XXXX XXXX XXXX, CT XXXX I am a XXXX veteran with XXXX  XXXX. I just opened this letter today, XX/XX/XXXX.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both Experian and XXXX  wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX  is the only company that I can freeze my credit score online. 

Thank you very much XXXX XXXX XXXX