davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX & XX/XX/2018, I faced financial hardship. In which I paid my credit card bill late. Prior to paying my bills late I reached out to capital one & informed them I will make my payments a few days late. I was told that my payment due date would be pushed back to avoid a late fee.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I was charged multiple late fees and interest charges to my Citi Cards account during the time that COVID-19 caused disruptions to businesses and to lives around the world! 

This matter began in XX/XX/2020 when I received a call from a Citi Cards representative stating that I missed a payment. I informed the representative that I did not recall using the card referenced and requested additional information on the charges so I could validate they were legitimate charges. The representative informed me that he was unable to see details but would transfer me to customer service who could assist me, which he immediately transferred me but a representative NEVER answered and the call and then I was disconnected. I tried calling several times thereafter ( days and weeks later ) and collection representative called me but customer service was not available, not even through the online chat portal. 

I eventually spoke with a professional representative who was extremely helpful in providing details of the charges, which was all I needed to pay the bill. In addition, he offered to credit late charges due to credit/payment history and the inconvenience but all of his attempts to credit the charges failed. The representative explained that the system would not allow him to apply the credit because my account was closed. I placed many calls after that call to have the late fees removed and resolve the delinquency but continuously experienced the same outcome, even with a supervisor. 

I paid the bill minus late charges. I was, and continue to be, in utter disbelief that during the time of a world-wide pandemic ( COVID-19 ), a company could be so insensitive to close a consumers account and continue assessing late fees knowing that CITI offices were closed, or operating on limited scheduling, reduced staffing, or whatever the reason may have been for not servicing customers! 

I had great credit prior to this matter, but Citi Cards has tarnished my credit and continues to do so monthly.

I wrote a complaint to multiple executives of the Citi Cards team and was told that charges would not be reversed because the payment was late - without acknowledging their lack of service to customers in previous months.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from chase bank on XXXX that my account would be closed and Id receive a check with my funds. Its now XXXX and XXXX dont have my funds. We are in the middle of a pandemic this should illegal to hold my money for so long. Customer service is absolutely no help nobody can give me any information
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX, XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-01-31
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 4. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2020-08-04
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. (FL)

My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports
Consumer complaint received 2020-06-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WESBANCO BANK, INC. (PA)

XXXX XXXX signed the back of XXXX XXXX XXXX XXXX dollar check from his life insurance and I XXXX XXXX took it to the atm machine and it was deposited on XXXX XXXX on XXXX XXXX the check was returned and XXXX XXXX the owner of the account was told that she or XXXX XXXX couldn't cash the check that she XXXX XXXX either needed to bring XXXX XXXX to the bank or come and pick the check up, I even offered to pay off his dept. to XXXX XXXX and XXXX XXXX XXXX said No he couldn't have an account with Wes banco for 5 years, its ok she stole the XXXX XXXX in question by giving us a check that XXXX XXXX processed and gave us a check that caused us to bounce checks like crazy, have all documents if need can send via mail thank you XXXX XXXX
Consumer complaint received 2020-06-11
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-01-10
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. (FL)

i sent multiple 609 letters and 623 letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the three companies TransUnionXXXX XXXX XXXX XXXX  except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.
Consumer complaint received 2020-08-04
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. (LA)

This is my third attempt reaching out to this company in regards to inaccurate information reporting on my credit report. I have contacted this company through mail and by telephone. They have not removed the inaccurate accounts that are on my credit report. These are violations of the Fair Credit Reporting Act and the FDCPA. Also there were inquiries that were unauthorized that are listed on the reports that was sent to this company. This company has failed to comply to laws stated in section 611 of the Act.
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Shellpoint Mortgage Servicing assumed our mortgage on XX/XX/XXXX from XXXX XXXX XXXX. The City of XXXX property taxes, in the amount of {$5500.00}, were due on XX/XX/XXXX and a copy of the bill was emailed to Shellpoint on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the property taxes remain unpaid, despite multiple telephone calls and emails to Shellpoint Mortgage Servicing. Telephone calls were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, each time with escalation to a supervisor. Emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-23
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 2020-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (CA)

The Online Collections agency did not send me any notices until I put in a change of address from a former address after my XX/XX/XXXX XXXX stay. Online only has ever informed me ( in writing ) that the group they represent is XXXX XXXX XXXX of California. Upon receiving their Notice in early XXXX, I disputed. I researched with the XXXX XXXX XXXX XXXX my records from the date of Service being claimed by this collection agency. There was and is no record of the physician group online says they are collecting for. I called online more than once and sent them a letter asking them to please provide me the billing office information so that I may obtain the proper ICD 9 and CPT codes to submit the bill to my insurance. 

The hospitals providing services has contracts with preferred providers which require that they obtain the proper patient and billing information from the hospital 's billing office. The doctor performing services submitted his billing to his COMPANY, not my insurance and further billed me as a self-pay patient. I was in a coma and unable to speak for myself ; the patient advocate clearly remembered my case and hospital stay and has been very helpful in bringing me to the beginning of a resolution. 

1. Online collections knowingly provided false information for the doctor group initiating the claim. This agent used the fact that I wanted insurance to pay as my " refusal to pay '' the amount owed. 
2. Online collections is billing for the incorrect amount due. The patient advocate for the hospital helped me find the true provider that matched the hospital contract for physicians at the time and was able to verify that XXXX, XXXX phone XXXX is the billing service for the physician seeking payment. Further more as of XX/XX/XXXX XXXX is in receipt of my insurance billing information and will submit a proper bill to be paid. 
3. Because the physician performing services submitted an initial incorrect bill and there were no billing protocols prior to collection attempting to collect followed I find this matter to be improperly placed in collection services and therefore fraudulently affecting my credit. The amount of the original billing is incorrect and so the collection matter should be removed at this time.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

I am unemployed due to Covid-19. I contacted my Vanderbuilt mortgage and notified them that I would need a 6 month extension as specified in the CARES act. I was informed that that Vanderbuilt mortgage and finance will decide what options are available and that they are only giving a 2 month extension on mortgage loans. 1 month later I received a phone call stating that I could apply over the phone for the loan mod. I never received any papers in the mail and I never signed any loan mod agreement but I did receive a bill that was XXXX more than my actual mortgage payment for the month of XXXX. How can a finance company violate the federal act that was recently passed by Congress? Please advise.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I do not recognize these inquiries. I have tried to dispute them and credit bureaus won't remove them. I have inaccuracy reporting and tried telling them. I contacted the companies and they do not have any accounts in my name to remove inquiries. 

TransUnion : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-01-04
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

My name is XXXX. 

coinbase entered my account and stole XXXX euros, transferred them to XXXX without my permission. This money was mine and I had it in ETH2. I have sent them more than 100 emails and they say that this money did not exist, that it was a decimal error. In truth, that money was mine and I had converted to several cryptos. I have proof of its theft and of the conversions to different virtual currencies.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit  bureaus. Also because of incorrect information I have a hard time getting my annual report some times.
Consumer complaint received 2020-08-04
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: DISCOVER BANK (NC)

I have received 4 months forbearance ; however, no one has responded in writing to my letters sent to Discover on XX/XX/2020, and XX/XX/2020. The letter explains my financial situation and requested a response in writing. I sent this letter to several different addresses for Discover such as the following : XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Discover XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Credit Card Services XXXX XXXX XXXX XXXX XXXX, NC XXXX NO one from any of the addresses have responded by phone or mail. Each time customer service states they have no record and give me another address which is always different.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IL)

I used my credit card for 2 months, I made 3 payments, my credit card was paid in full. The citi bank still want {$390.00} from me, but they ignoring me, they do not want to solve the problem. This is fraud.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

In 2017 I contacted Experian, XXXX and XXXX and also provided proof from the courts that I didnt file a bankruptcy. XXXX and XXXX removed it. Experian is still reporting me as having a bankruptcy. I have written them several letters asking to remove this incorrect item
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CNG HOLDINGS INC (MN)

I was unaware of a debt owed to XXXX  from 7-8 years ago. The company was harassing and saying that they would show up at my home and work. Also, they lied saying they had me recorded accepting the debt as mine. I still don't know what it's for and paid them anyway to make them go away. Absolutely ridiculous.