davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (GA)

The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account
Consumer complaint received 2023-03-07
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-01
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. (GA)

My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view the attached items as they will show proof of my identity and proof of my complaint.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TN)

I had a Chase business complete checking account with Chase that was closed last year by Chase. The account number was XXXX. Prior to this account closure money was fraudulently taken out of this account and sent via ACH. On XX/XX/XXXX an ACH in the amount of {$35000.00} was sent to XXXX XXXX XXXX to their Chase account number XXXX. The Transaction ID is XXXX. This was a fraudulent transaction that i did not authorize. I discovered this missing money when another separate identity theft occurred against me in XX/XX/XXXX. This money was pulled from another bank account of mine into the Chase business account by someone and then sent to a scam company called XXXX partners. I filed an identity theft report with the FTC and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH fraudulently. Upon contacting Chase bank they refused to help me in any way. This money was fraudulently taken out of my account into another account with Chase bank. I have been the victim of multiple identity thefts which all began with this. Chase is more than capable of helping me recover this money but is unwilling to do so.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (TX)

I had bought a vehicle from XXXX XXXX in XXXX of XXXX. Everything went fine and theuir were no issues at first. I received my policy documents and noticed that were thousands of dollars tacked onto the loan that I did not agree to or was aware of. So I reached out to the dealership responsible and had them send the money to XXXX XXXX for roughly {$4300.00} and XXXX XXXX informed me that it would push the payments I owed back so that I would not have to pay for awhile. 
Come XXXX of XXXX I had firgured I had several months left of no payment but they reached out telling me I was late. At this time I was confused and found out that XXXX XXXX had received payment but it did not lower the length of the loan- did not pay towards the front end- or my monthly payments. Several weeks calling XXXX XXXX and nobody could explain what happened to the money given to them. 
So I started the dispute process. During the dispute process XXXX XXXX told me that one option was to redo the loan with the lower loan balance due to them getting a payment from the dealership. I told them I would love to do that because I was experiencing financial hardships and the lower payment amount would help. They lost the call apparently and could not find any evidence that happened. 
Then I got a letter saying that it would eventually go into repossession status with no resolution to my claim. So I called trying to pay them several thousands of dollars to keep my loan and the XXXX XXXX representative told me that they would not accept any payment other than the entire {$32000.00} remaining on the loan. I told them I had notified them of financial hardship and did not have {$32000.00}. They would not accept any other solution and repossessed my vehicle while having an open dispute as of XXXX of XXXX. 
To summarize : They told me a dealership payment would go towards the front end of the loan and I would not owe for awhile and lied. It did nothing to help my loan as payments and lease term remained the same Told me we would be able to redo the loan with a lower loan amount to help me lower my payments and start fresh. Then " couldn't find the call '' Took the vehicle from my driveway during an active claim Refused to take payment from me so that I could resolve my vehicle being in future repossession status.
Consumer complaint received 2023-07-13
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. (GA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-13
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. (GA)

Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX Bank XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (IN)

Addendum to previous complaint. Please note, I will continue to file complaints against this company while legal remedy is being pursued. Update, using their online form my payment scheduled for XX/XX/2022 was not processed per my statement as such. I also called and attempted to use their automated service and reception of my payment was denied. Their automated system clearly states that a payment can not be accepted. I recorded this attempted transaction.
Consumer complaint received 2022-02-28
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)

The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.
Consumer complaint received 2023-05-30
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. (CO)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND WAS SHOCKED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS FRAUDULENT ACCOUNTS REPORTING ON MYCREDIT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING MY CREDIT AS I AM IN THE PROCESS OF PURCHASING A HOME. PLEASE REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS AS SOON AS POSSIBLE.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (NC)

The intro bonus offer for the cash back rewards card was denied after meeting the terms and qualifications of spending {$1000.00} during the first 3 billing cycles upon opening the account. 
On XX/XX/XXXX XXXX XXXX XXXX I called PNC customer service at XXXX to inquire on why I had never received my promotional offer. The service agent stated that i had signed up for the card during a promotional black out date that began XX/XX/XXXX - XX/XX/XXXX. This is nowhere stated on the terms and conditions upon signing up. The website is currently unchanged and the terms still do not reflect such verbiage ( XXXX ). I requested to escalate the conversation and speak with a manager, which then resulted in me speaking with an American woman who then stated she could not find a sign up code and that I indeed signed up on a supposed " black out date. '' However, upon her verification of the PNC Website, she confirmed the offer had not changed and there were no black out dates stated. My issue was then written up to be forwarded to higher. On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX, I recieved a follow up call from PNC ( XXXX ) and was greeted by a service representative who wanted to know if my problem had been resolved to which I replied " No, the problem has not been resolved and I am still waiting on confirmation that my complaint has been reviewed for the issue of not having received my promotional bonus upon meeting the guidelines ''. At or around XXXX on XXXX XX/XX/XXXX, I received another call from PNC stating that my claim had been denied without further explanation, no confirmation either written or emailed after my request. The representative apologized and stated that due to length of time in which the promotion was due to be given was too far off, that I would not be receiving it whatsoever. My response was " the reward should have been automatically applied to my statement, since it is not my job to do PNCs job. '' The integrity of this bank is reflecting poorly by the way it has handled this situation. Many other customers may have applied for this card just as I did via the PNC website with the intent to apply for a card with a bonus offer, however, it seems that they may have been defrauded of their time, mental well being, and money.
Consumer complaint received 2023-03-07
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. (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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or 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 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/23, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 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 cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caddis Funding, LLC (NJ)

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX which is a debt collection agency stating that I owe a debt as ofXX/XX/2006. They are trying to collect a debt that I owe to XXXX XXXX XXXX. in the amount of {$2400.00}. I never in my lifetime taken out a loan for college or mortgage in which I'm not a home owner or a college student. Also, I never opened an account with XXXX or any of its affiliates!
Consumer complaint received 2023-02-15
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)

An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NJ)

On XX/XX/2023 at XXXX XXXX, I contacted the Macy 's Credit Card Customer Service to ( 1 ) address a late charge that was charged on an account I continue to pay off in full and ( 2 ) to dispute a charge that was made on XX/XX/2023 for a transaction amount of {$47.00}. 

I did not authorize this transaction and the order did not align with my purchase history on my Macy 's account. I requested additional information about that particular charge and the representative could not explain who it was that made that charge or where the items were shipped to. The only information I was able to get was that it was an online purchase so I knew my account number had been compromised. The late charge was reversed and the dispute was filed. 

I was told that the compromised account would be closed and a new card would be issued. I received a letter that I would not be liable for the charge until the investigation was completed. However, that {$47.00} is reflected as the balance on the old account and was also transferred over to the new account. Additionally, I made a payment of {$210.00} which was the total balance at the time and the payment posted on XX/XX/XXXX. 

However, on XX/XX/XXXX that same amount was transferred on to the new account as a balance transfer. This is unfair, abusive and deceptive to double charge an amount that was already paid off the prior month. I called back on XX/XX/XXXX at XXXX XXXX and spoke to multiple representatives for a total of 1 hour and 43 minutes. 

The representative explained to me that the {$47.00} was reflected on my total balance even though the account activity shows as if it was credited. The math that was explained to me does not add up and I expect a clear, thorough, and accurate explanation as to how my current balance totals up to {$270.00}. Additional purchases/charges made on the account does not add up to that total. I am questioning Macy 's credit card accounting practices -- it is not credible.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (PA)

I recently flew on XXXX XXXX on XX/XX/2021. While on the flight, the flight attendants offered a credit card application. If you filled it out in flight. They offered XXXX bonus miles and XXXX extra for the in flight application. You then had to use the card in 90 days. And pay the {$89.00} application fee. I spent almost {$5000.00} and paid the {$89.00} fee. I was awarded only XXXX bonus miles from the card issuer. When I called they told me that the card only carries XXXX bonus miles. Every pc of the credit card brochure clearly states XXXX bonus miles. There is no mention of XXXX bonus miles anywhere in XXXX credit card application. I would not have applied under those limits. I feel this is a deceptive and unfair practice.
Consumer complaint received 2020-06-16
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: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX.