davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NY)

I had a checking and savings account with Citi. 
I closed the account, and withdrew my balances leaving the accounts empty. 
Citi failed to close the account, and continues to charge erraneous unauthorized fees to the account. 
I've already attempted to contact Citi, however they have no customer support. The chat and phone line just timed out. 
I've wasted hours of my time due to this.
Consumer complaint received 2020-04-04
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. (NV)

There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Background : On XX/XX/XXXX, I booked 3 air tickets with Chase Travel. The tickets were on United Airlines with travel dates in the 1st week of XXXX. The cost of the tickets was approximately XXXX Chase Ultimate Reward Points. 
With the Coronavirus impacting travel and United Airlines canceling the flights as a result, Chase Travel sent me an email on XX/XX/XXXX offering an online form to cancel my trip as a means of avoiding long hold times on the phone. The email noted I was eligible to use the form as my travel was within 8-14 days away. 

The problem : I received an email on XX/XX/XXXX stating the tickets had been cancelled, and only XXXX Chase Ultimate Reward points were refunded. When I asked for the difference, I was told the difference was used to settle United Airlines cancellation fees. I pointed out that the email on XX/XX/XXXX stated that if any cancellation fees were to apply, Chase Travel would contact me before proceeding. Additionally the XX/XX/XXXX email stated that Chase Travel would contact me if the Airline offered a travel credit, which I could use in place of cancelling the tickets. I pointed out that Chase Travel didn't contact me for either of these items ( application of fees, travel credit ) before proceeding with cancelling the tickets. 
I contact Chase Travel on XX/XX/XXXX. The agent agreed with me, but had to escalate to the supervisor. I spoke to the supervisor on XX/XX/XXXX, who also agreed this appeared to be a Chase error, and had to escalate further. Finally, on XX/XX/XXXX, the supervisor said Chase had decided that despite the email stating the above mentioned items which indicates an error on their part, they will NOT refund the fees or give me the option to use the United Airlines travel credit.
Consumer complaint received 2020-04-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute with Experian regarding an account that is not mine and it has been more than 60 days and not response what so ever. Experian disregarded the law by not responding to consumers disputes.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My payment date for my loan was XX/XX/XXXX. I was unable to make a payment via XXXX and tried via debit card for a couple weeks as their website was not showing all images and buttons to continue to payment, preventing me from making the payment via debit card instead of XXXX. It wasnt until I received an email from XXXX  on XX/XX/XXXX saying that I needed to make a payment that day to prevent my account being reported as 30-days late with the credit bureau via a link to the debit card screen was I able to finally make the payment via debit card instead of my bank account and I made the payment right away in full. Soon after I made the payment, the account was reported 30-days late to the credit bureaus. I then reached out to XXXX  gia email as they do not have a phone number to talk to anyone letting them know that an error was reported on my credit report and it needed to be fixed ASAP. The answer I received was that they only report accurate information to the credit bureaus and theres nothing I can do to change that. I then email back with my pay schedule showing that my due date of XX/XX/XXXX payment was late, but it was not late 30-days, so they were reporting inaccurate information to the credit bureaus. I also forwarded the email I received that advised me to make payment that day to prevent negative information from being reported to the credit bureau. They have gone silent since then. Im trying to buy a house and this has significantly impacted me and my familys lives as Im now at a stand still until this issue is rectified. They are inaccurately reporting information to the credit bureaus and Im unable to get a hold of anyone for recourse as they only communicate via email.
Consumer complaint received 2023-02-06
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-25
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. (NV)

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$820.00} Balance updated XX/XX/XXXX Recent payment Delete account. Never open or had XXXX XXXX XXXX. Contacted company violation of FDCPA law by not reading my rights and threatening if not paid
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Control, LLC (FL)

Hi, I have a problem ... This company say I owe them money??? ... How when I'm in XXXX Florida?? Also I meet people in person ... Also they call me asking if I'm this guy or that guy?? 
I don't know these people nor ever delt with them
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc. (CA)

( The options previously listed really didn't capture my experience ) I've been a long-time XXXX XXXX customer. I've had at one point 7-8 different lines from a family plan and have paid on average {$6000.00} per year on our cell/device bills alone. We've slowly been taking lines off of XXXX because the customer service and care has vastly deteriorated. 

In early XXXX, I decided to switch my father from XXXX XXXX to XXXX XXXX. I kept my line with XXXX  in the meantime. My father 's final bill was due in early XXXX and less than 23 days later, XXXX had already sent my father 's final bill to collections ( CBE Group ) which apparently is XXXX 's internal debt collection service. 

I didn't receive any phone calls, e-mails, anything reminding me that we were past due. The bill was not even 30 days past due and they had already sent it to collections. Mind you, when I did receive a letter, it was around XX/XX/XXXX ( approximately ) and the phone calls began a few days later. This is nearly a full week + after the lockdown from the Coronavirus had already been ordered here in the XXXX XXXX ( CA ). I don't even know if I'll be able to make my next mortgage payment or property tax bill and XXXX  has the audacity to send my bill to collections at a month past due? 

I've reached out to XXXX customer support online and they didn't bother to do anything. I spoke to someone on their management team who said they would get back to me with some logical explanation. They did acknowledge that being sent to collections not even 30 days past due is not normal. I'm sure I'm not the only person who is in this situation. A lot of people are struggling and their choice to send me to collections after years and years of giving them my business is hurtful and adds undue stress. 

I have since disconnected my line and transferred my phone number out. I refuse to continue to give them my business. CFPB and other consumers should know that in this day where lendors and creditors are issuing payment deferrals and mortgage forbearance, XXXX won't hesitate to send your bill to collections.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230000.00}
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I was using PayPal for many years. However, last summer, PayPal decided to put restrictions on my account as it pertained to sending and receiving money, as well as depositing the money into PayPal. I was not given a specific reason as to why this occurred, and tried to speak with the company on multiple occasions, to no avail. Their customer service either did not pick up the phone, and when they did, they were not helpful with their replies. I also emailed multiple times and no luck.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC. (CA)

During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by Equifax and XXXX.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

Someone used my information to apply for credit card. I didnt receive any information about that credit. Then they used that credit to shopping something in XXXX while i am living in XXXX. I am trying to disputing but it doesnt work!
Consumer complaint received 2022-12-28
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. (HI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than 30 days late. Statements are attached showing the payments within 30 days of due date ( Highlighted in yellow ). I have reached out to XXXX XXXX  on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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. 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 2024-02-25
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : Department of EducationXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Employer ( s ) : XXXX Name ( s ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Phone number ( XXXX ) : XXXX XXXX XXXX, XXXX has/have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-25
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. (NV)

XXXX XXXX XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Contacted XXXX XXXX, dispute account for fraud never opened. ID theft.Sent docs back no investigation answered. Violation of federal rights.
Consumer complaint received 2021-01-14
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am submitting a complaint against Chex Systems , Inc., regarding their investigation into a dispute I have opened regarding XXXX XXXX XXXX XXXX. I am attaching to my complaint my notice to Chex Systems under Section 609 FCRA. I am a consumer under the FCRA and XXXX XXXX is a Credit Reporting Agency under the FCRA. I am also attaching a copy of XXXX XXXX response to the CFPB which admits to the violations of XXXX XXXX under Section 609 FCRA. Additionally I am attaching a notice of intent to sue and an opinion of a lawsuit filed by the FTC against XXXX for similar violations of the FCRA. Pursuant to Section 609 FCRA companies ( XXXX XXXX ) is required to provide application and business transaction records regarding alleged fraudulent transactions to the consumer in a timely manner. This means that XXXX XXXX  is required to ensure that the entity reporting the information ( XXXX XXXX XXXX XXXX ) has supplied the above information to the consumer. XXXX XXXX can not as a matter of practice simply rely upon the creditor to verify the information as accurate or they become equally liable. XXXX XXXX response to the CFPB admits that they have failed to investigate the matter properly because XXXX XXXX only states that XXXX XXXX XXXX XXXX verified the information as accurate high does not comply with Section 609 FCRA.

Section 609 FCRA requires certain record to be provided to consumers and in XXXX XXXX response to the CFPB they do not state the documents were provided by XXXX XXXX XXXX XXXX to the consumer. While it is not XXXX XXXX responsibility to provide the required documents under Section 609 FCRA, it is XXXX XXXX  responsibility to investigate if the credit reporting entity did in fact provide the required documents under Section 609 FCRA. 

The response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the required documents under Section 609 FCRA. As such since more than 30 days have elapsed the derogatory item must be deleted based upon the failure of XXXX XXXX XXXX XXXX to provide this information to me since I did not open account with them.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (IL)

I have a Kay jeweler credit card. the due date for payment is the XXXX of the month and late fee accessed after ten days past due date. I called on XX/XX/XXXX at XXXX XXXX, central time. I spoke with customer service representative XXXX ( had to ask her to spell her name because of her not good english ). I asked for the amount due and she stated {$93.00}, I asked why {$93.00} and she stated because of the past due amount.. I stated that the payment was due XX/XX/XXXX and today is XX/XX/2020. She stated that the past due amount of {$47.00} and the upcoming XX/XX/2020 payment is due. I informed her that today is XX/XX/2020, and you are trying to force me to pay a bill that is not due yet. I informed her that you can not force a consumer to pay a bill that s not yet due. I paid the amount that was due on XX/XX/2020. This is not the first time i encountered this type of practice with this company. ( XXXX XXXX XXXX XXXX for Kay Jewelers ).
Consumer complaint received 2020-04-04
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. (LA)

I submitted a fraudulent account called XXXX/XXXX  on XX/XX/2020 to TransUnion but TransUnion has taken more than 30 days to investigate and today is XX/XX/2020 and this account is still not removed from my credit report.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Sovereign Lending Group, Incorporated (CA)

1. Started loan with Sovereign Lending Group ( XXXX XXXX, CA XXXX XXXX XXXX / XXXX XXXX XXXX 2. Filled out application/ provided all documents- W2-Taxes-retirement, back accounts 3. They kept asking for more & more papers/ I provided them.

4. I ask for a closing date -- they would ask for more paperwork 5. I would I am canceling my loan- then a manager would call me -assuring me all is well & ask for more documents.

6. They would not close on any of the 3 loans I applied for.

7. I started to escalate a month ago.XXXX XXXX stopped responding 8. XXXX XXXX took over- he asked for more documents- I again gave them- then he stopped responding 9. Last week ( XXXX ) I escalated to Sovereign Lending Group- headquarters- spoke with XXXX XXXX Supervisor : He never responded. 
10. Last week ( XXXX ) spoke with XXXX ( Directors ) : He never responded-or gave solutions. 
11. XX/XX/2021 No one is picking up the phone. I want them to close my loan. 
12. I am afraid -they have my financial information and they going to something sinister.

13 Loans are supposed to close around 30-45 days : It has been 3.5 months.

Please investigate and shut this company down asap.

Kind regards XXXX XXXX XXXX I think they are going to fraud me-
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INVESTORS BANK (NJ)

I called Investors Bank a few times to see if they are honoring the Governors request for mortgage companies to give us a break for 90 days. I opened up a case and was told there a small bank working in NY & NJ they are not like the larger banks like XXXX & XXXX. 
My wife is on S/S & I have since been layed off from my job. There going to email me if they can do something, the thing that concerns me is I dont see them on the list of companies working with covid people.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SC)

Contacted several times that amount was not owed. One of the rental agent explicitly stated that amount is not owed. The collection agent which is a separate agency and that it seems that it has a private arrangement with another rental agent. States that this amount is owed. However justification has Never been submitted.
Consumer complaint received 2020-04-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery LLC, In their response dated XX/XX/XXXX regarding disputed account # XXXX claimed that they fully validated they alleged debt, however : 1. The highest balance on XX/XX/XXXX-XX/XX/XXXX  statement of {$2600.00} does not match the amount that you claim of {$3400.00}. Please explain the difference and how you calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature - please provided it. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. Please provide this. 6. Charge off Amount is not provided. Please provide this.