davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (GA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Ive reached out to this organization and I was told by a representative XXXX and would not give her last name I was unable to report in accurate fraud and identity theft on a account thats been open without my permission
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have attempted multiple times to speak with Bank of America ask them to verify how my credit card account was late since I had never missed a payment. Reviewed my credit report shows a late payment for Bank of America on XXXX on XX/XX/scrub>XXXX  2020, XXXX XXXX  2020 and XXXX XX/XX/year>2020  some show the card being closed in XXXX of 2020 and others show XX/XX/scrub>XXXX  2020. There are serous discrepancies on their part. I have never missed a payment on any credit cards, I had two cards with them and this one is the only on showing a miss payment. I would like to have this late payment removed from my credit file immediately.
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (GA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for credit purposes. 

My credit report on XXXX XXXX and XXXX are showing that I owe {$510000.00} in XXXX loans. However, My loans have been forgiven and I received a letter informing me of my loan forgiveness back in XXXX of this year.
Consumer complaint received 2019-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a citibank checking account and saving account package at XXXX for a promotion XXXX bucks if i deposit XXXX total and keep this amount 60 days. Then I finished their requirement. And contact them for my bonus at XXXX. I have been told I will receive my bonus in 90 days before XXXX. So I wait for another month and contact them again to double check everything is right at XXXX. I got promised bonus is on its way. But everything is change when I contact them why my bonus still not post yet at XXXX. They told me I am not qualify the bonus. Because I do have account with them at XXXX. What?? Why they don't tell me early since I deposit their bank almost 6 months. I thought they promised it they should honor it.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NJ)

I made a payment to my account, on the day it was due, and this company still reported me as past due. I called them several times and they claim the payment was returned but the funds came out of my account. I made an additional payment since they claim they never received the initial one. This is reporting past due and I need them to remove the 30 day late on my report.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I made a payment of {$1000.00} on my student loan account with Mohela on XX/XX/23. I learned shortly, about one week, that my loans had been discharged prior to this payment but I had not been notified. I have contacted Mohela to find out about a refund of my overpayment. On the phone, they told me that they would credit it back at the beginning of XXXX. I emailed again this week and they responded saying that they " had no information about my refund from the US Treasury. '' I was clear that I am not requesting information about the refund from the US Treasury. That was settled already. This amount was a payment after the loans had been discharged and is being held by Mohela. On the phone they acknowledged that they owed me a refund and that I could expect it in XXXX. Via email they just reply with a form notice that refers to the US Treasury which is not what my inquiry is about. I have tried to call multiple times and can not get through to any customer service representative.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX XXXX XXXX  FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I have a credit card account with Chase bank. I received a letter this month that they were dropping my credit line by {$3300.00} due to a number of factors. This would push utilization from 70 % to 97 %. I was shocked, I have had this card for XXXX years. I have had zero late payments, except last month, when I got sick and paid 4 days late. My bill was due on the XXXX and I paid it on the XXXX. 

I called to dispute this and they explained that due to that late payment and because I had high utilization on other cards they had decided to reduce my credit line by {$3300.00}. I requested that they reverse this, explained that I had only made one late payment which they reversed, that according to them I had XXXX credit score ( it was in the letter ) and pointed out that because of this now I had gone from a utilization of 70 % on this card to 97 % that this would adversely effect me. They refused to reverse this change, and said I could reapply for the credit but they would be required to do a hard pull of my credit... When I suggested that it might be because of my XXXX name they became upset and said they would have to transfer my call as they couldn't handle me " playing the race card '', but it is hard to believe that most people would be treated this way for one late payment of 4 days.
Consumer complaint received 2023-03-09
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: U.S. BANCORP (MD)

In XX/XX/XXXX I enrolled to an offer of US bank  : Earn a {$20.00} statement credit when you spend {$150.00} at restaurants XX/XX/XXXX through XX/XX/XXXX. 

I met the spending requirements before XX/XX/XXXX. However US bank did not post {$20.00} statement credit. 

I called back on XX/XX/XXXX and XX/XX/XXXX. US bank still refused to post statement credit. Their representatives were extremely rude. 

The ticket number is XXXX and confirmation number is XXXX
Consumer complaint received 2019-11-19
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. (MO)

Ive reached out to this organization and I was told by a representative XXXX and would not give her last name I was unable to report in accurate fraud and identity theft on a account thats been open without my permission
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: E MORTGAGE MANAGEMENT, LLC (MA)

XXXX is engaging in deceptive practices to stop their customers from removing PMI from their mortgages. I have well over 22 % equity in my house and they are forcing me to pay for a Broker Priced Opinion to remove the PMI. 

I was sent a letter in the mail stating that I need to fill out the form, which they did not put in the envelope or call their customer care team. I called the customer care team to pay for the XXXX ( {$150.00} ) and the customer care team member tried to tell me that I can't pay for it over the phone. I read the person the letter that tells me to call them to process the payment and eventually she did. 

This is my second attempt at having PMI removed from my mortgage by this company and they are using every shady practice they can think of to stop me and others like me from getting the PMI removed.
Consumer complaint received 2024-03-14
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. (NJ)

There is information that on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I sent my roommate rent on Venmo for {$1400.00}. Unfortunately, I was scammed trying to sell a bedframe and later that day I requested to have the {$1400.00} sent back to me until I had the funds since my account went to the negatives. My roommate sent XXXX payments back to me, on XX/XX/XXXX for {$250.00}, and on XX/XX/XXXX for {$1200.00} totaling the {$1400.00}. 

On XX/XX/XXXX, I sent my roommate back {$1000.00} to cover rent and I ended up paying the other {$400.00} in cash to him. 

Venmo is saying I owe them {$1400.00} since they covered the {$1400.00} sent to my roommate on the XXXX when my account did not have the funds. However, my roommate did not keep the money he sent the {$1400.00} back. On the XXXX when I sent the {$1000.00} venmo acknowledged I had the funds and it was debited from my account. Therefore, if the {$1000.00} that I paid for rent was taken from my account, why would I suddenly owe an additional {$1400.00} for rent again and not just {$400.00} if anything? Since the {$1000.00} Should have and would have been applied to the original {$1400.00} I sent. 

I understand the funds were sent from venmo when I did not have the sufficient funds. However, the money was sent back to my account and they debited it before I had it. I pay {$1400.00} for rent, they debited {$1000.00} for that month for my rent and acknowledged it went through. I can not afford to pay the equivalent of 2 months rent because Venmo thinks I owe them {$1400.00}. 

Therefore, to summarize : {$1400.00} was sent to my roommate, and that same day that same {$1400.00} was sent back meaning my roommate that day received {$0.00}. Venmo claims they sent my roommate the {$1400.00} and that I must pay them back because he has it. 5 days later, {$1000.00} was sent back to my roommate to cover rent, why not take that {$1000.00} as part of the debt they claim I have? By venmo asking for a payment of {$1400.00} that would literally be stealing my money as {$1000.00} was already sent back and covered. However, I do not owe them anything BECAUSE MY ROOMATE SENT IT BACK THAT SAME DAY MEANING HE NEVER HAD THEIR {$1400.00} THEY CLAIM TO HAVE. 

Please help I am desperate at this point as I can not afford to pay a debt that I DO NOT OWE.
Consumer complaint received 2023-03-08
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: TRUIST FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX  days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under FCRA 605B, it's necessary to expunge any erroneous accounts from my credit report. Could you please assess the documents? Some of the listed accounts are incorrect, which is unsettling for me.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (OK)

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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 XXXXXXXX XXXX XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and account XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and DELETED for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

For the last several weeks I along with my wife have been searching for the best balance transfer credit cards with zero percent Annual Rate and zero balance transfer to include the transfer itself. I finally found the Discover It card so I called the number XXXX at XXXX hrs. onXX/XX/2019. I explained to the agent my specific question on if the zero percent balance transfer applied to the initial balance transfer also and she replied yes. Some institutions will charge a 3 % fee. My wife being a XXXX  for 17 years had me place the call on speaker and ask the agent to please repeat it and she did. She then informed me to apply either online or by telephone and once I do they will perform the balance transfer. I did exactly as I was instructed to do. Today, XX/XX/2019 I received the card. I immediately contacted the number listed to activate and placed the call. As I provided all of my personal information to complete the transaction, the agent told me that there would be a {$270.00} fee for the balance transfer. I then explained to 4 agents which included Management my encounter with the agent on XX/XX/19 where she specifically confirmed for me the 0 % balance transfer. The complaint is that I was confirmed for a zero percent balance transfer to include the transfer itself and now they are charging me 3 % of the amount.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX
Consumer complaint received 2023-01-20
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX