davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (FL)

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TN)

I received email alerts the morning of XX/XX/22 from Target that an account and a XXXX XXXX Credit Card had been opened in my name, also charging a {$200.00} gift card to the account. 

I reported the fraud alert to Target and requested to close the credit card opened in my name, however they had old addresses, email information, birth date, and social security information that led me to believe they had stolen my identity.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Global Credit Union (CA)

To whom it may concern ; On XX/XX/XXXX, I've asked Alaska USA Federal Credit Union to stop a direct deposit that was going into my account on XXXX XXXX. They said they couldn't stop it. That I would have to close the account and reopen another one. So I did what they told me. I also told the bank that this deposit CAN'T go in my account. They said that it wont go in because your account is closed. That it will go back to the sender. The credit union told us the our account is secured. So that weekend my wife and I had to change ALL of our accounts that had direct deposit. On Tuesday the XXXX, we noticed that our bank transferred that deposit that we worked so hard to stop. I asked our bank how did this happened? They replied that they did it as a courtesy. I didn't ask for that. I was so upset. I also found out that the bank gave this institute my new account number which I told them NOT too. Now my wife and I have to babysit our account because of what Alaska USA Federal Credit Union did. I was stopping an institute called XXXX XXXX from depositing any monies into my account. XXXX XXXX wont comment on how this mistake happened. I thought it was prohibited to give out personal information on bank accounts. Especially an institute that I told them about.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (FL)

I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Receivable. Upon further research I found this was a debt purchased from XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$100.00} being that the debt was sold and bought for pennies on the dollar for the debt, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

My landlord uses the website XXXX to manage rent payments. To utilize this, I must connect my PNC checking account to the site. When I tried to connect my checking account, I was presented with the message " PNC has made a change that prevents you from being able to link your accounts. '' This prevents me from paying rent. This issue must be rectified by PNC.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I applied to the XXXX Homeowners Assistance Fund ( HAF ) for help with my mortgage payments. Last week I received an award notice from HAF indicating they would provide funds to pay my mortgage for XXXX months. 
I also received an email last week dated XX/XX/XXXX from HAF indicating they have deposited {$5700.00} into the JP Morgan Chase account sent via wire. It was mentioned in the email that I should call Chase to make certain the funds were in the account. I called Chase last Friday and the person I spoke to said that it should take a few days for the funds to be deposited. 
Today I spoke to someone who said it should now take up to ten business days for the money to be transferred.

As usual Chase is giving me the run around. They have treated me in the last few years abusively. I need these funds sent by HAF to pay my mortgage. I can not take Chase stonewalling me.

Please tell Chase to abide by the law. These are Federal Funds that were sent to Chase. Tell them to release these funds in which HAF has told me they are already in Chases account. HAF even gave me the account number. I am XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I'm an XXXX  This problem has happened more than once. 
I regularly receive offers from Bank of America to use their personal checks. A 4 % fee currently applies, but then no interest is charged for at least a year. I did so in XXXX by depositing a check in the amount of {$2500.00}. My XXXX bill was in the amount of {$5200.00}, and it included the {$2500.00} check I used, meaning the net of {$2700.00} was all I should have had to pay to avoid interest charges. I called BOA and so confirmed on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. On XX/XX/XXXX, I paid ( online via BOA ) {$3000.00}, meaning I had paid more than I needed to pay to avoid any interest charges. Yet, I recently received an interest charge of {$12.00}. I called BOA and complained. I was told the charge would be removed, and it wouldn't happen again. However, as noted above, this has happened in the past. I wish for something to be done about it, and I don't wish to file a class action lawsuit to get something done. I think a lot of businesses do things like this, seeing what they can get away with. Some people are too old or feeble or otherwise unable to do anything about it. Others are too busy to notice. Please do something concrete to stop this abuse.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (MS)

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not.

15 U.S.C 1681 602A states that U have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Consumer complaint received 2022-12-30
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: JPMORGAN CHASE & CO. (PA)

I received an offer letter from Chase XXXX regarding an offer for a credit increase on my card. I was thrilled bc the offer letter ( attached ) indicated I would not need a credit check to take advantage of this offer. When I attempted to redeem the offer, I was told it no longer was available. I reached out to customer service and the first response I got was a templated response saying the offer was no longer available but I could request an increase that would require me to update all my information AND have a hit on credit. 

I then replied and indicated that this was deceptive because the letter clearly stated the offer was good until XX/XX/22 and now it was magically not available. 

The second response I got said the offer was sent to me in error and XXXX, please note that our credit line increase offers, like the one you received, are subject to change as per terms and conditions and this offer is no longer available on your account. As any good consumer would do, I reviewed the terms and conditions on the letter sent to me. The only thing it says is Please note this offer is based on existing information on your account. If the information changes, you may be ineligible for this offer My payment history with Chase is impeccable and my XXXX XXXX according to them is XXXX. XXXX reports my XXXX XXXX as XXXX I am concerned that this offer letter is just a bait and switch to get customers to submit to providing an official credit hit. None of the information provided in their response makes sense. I am a good customer with a great credit history. They sent me an offer letter which at first they said was no longer available and then was sent in error.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I received two phone calls from American Express XXXX on my cell phone from Arizona and another one at my home phone number. I never applied for a credit card and am concerned that someone is using my identity to open another credit card in my name. I would like for them to stop contacting me and resolve this issue. I have reached out to American Express and will await their response.
Consumer complaint received 2020-08-05
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 have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX XXXX, XXXX has received several ( al least 6 attempts ) to validate or remove the account. XXXX has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to XXXX asking for this account removal. XXXX has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX XXXX I attempted to wire transfer money to a new account through my CitiBank Checking account. Upon attempting to do so, I was unable to not only add the recipient to the list, but I learned my account was STILL frozen, even after I was assured the account was to be cleared. I have called numerous times, talked to too many employees at CitiBank, and there is no resolution and I have no access to my funds.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

My account with Synchrony has been paid in full and has been closed. Synchrony was to credit my account and clear a balance for charges that were added to my account in error via a card protection subscription that I did not authorize. Synchrony has left the balance on my account and has continued to charge interest on the amount that they agreed to credit in order to clear the balance. Additionally, this has negatively impacted my credit score because they are falsely reporting missed payments to the credit bureau.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NJ)

XX/XX/2014 the was by westlake financial everything was fine till the truck started having problems I took it back to the dealership and they said they could help me fine out to be the truck was a lemon the truck I took it back and a tow truck put it back in front of my house I try everything the financial company didnt help me and they was the one that told me to used that car dealership in the first place I just let the loan company take the truck back and they sold it for way less than what it was worth in the car action now seams XXXX I still have that in my credit report
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I'm trying to get my credit in better standing XXXX collection and credit  acceptance are no supposed to be on my credit. The hard inquiries should off I discovered i have XXXX. I just wan na pit the debt i do owe into one consolidated payments to make payments on them off. Im raising all four of my grandkids and i have 3 daughters living at home. I enrolled into online school.want to show my kids its never to late. If i was to leave this world I a single mother of 4 daughters 3 live ay home and im raising my older daughter 's four kids. I trying to be all i can.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

IC systems inc, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Ref # XXXX Acct XXXX attempted to collect a debt to XXXX  XXXX XXXX. I sent IC a letter dated XXXX stating this is without merit. XXXX was satisfied debt was paid in full and there was no unpaid balance of {$30.00} Asked IC to verify that debt paid in full with XXXX. Would like to attach letter and documentation. 

In XX/XX/2022 IC persisted. I wrote a letter dated XXXX to IC that " Account Validation '' was bogus. 

Have not received any communication from IC after XXXX
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I've had a great relationship, or so I thought with Discover. They decreased my credit limit!! I've even paid this account off numerous times, and this is the thanks i get!!! They're practically stalking me via my financial information, and I always make WELL above the minimum payment!!!!!!!!!!!! In this midst of this pandemic, this is unacceptable.I 've had lower credit scores and high balances, and now they're doing this to me!!!!!!
Consumer complaint received 2020-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (AL)

I have no knowledge of this company or alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This apartment complex has been shut down by the state of alabama for various criminal activities.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: My Mortgage, Inc. (MD)

XXXX XXXX ( XXXX XXXX ) of My Mortgage , Inc. failed to close my loan after taking me through the entire mortgage process and has yet to provide me with an Adverse Action letter to state why. 

Every and anything he asked me to provide prior to closing was sent as well as all of my funds in the amount of ( {$14000.00} ) sat with the title company. My credit was also pulled and the only thing he asked me to provide was a detailed letter from my employer to explain my reasons for the gaps. 

I have been living at a hotel during this process, purchased items for the home and promised my autistic son that once returns from culinary school we would be already moved in our home. I am devastated and feel that the rug has been pulled from under me. How does someone, get a pre-approval, provide a copy of social security card, driver 's license, college transcripts, pay stubs ( more than once ) submit bank statements ( more than once ), proof of my son 's XXXX XXXX XXXX, successfully complete the mortgage application and disclosures, submit tax information, set up an account with the title company, sent earnest deposit and proof of funds to close, provide the explanation for gaps, pay for an appraisal and obtain a quote for the home insurance, have the date extended and not close on the loan?
Consumer complaint received 2020-08-05
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. (AZ)

I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. Transunion is falsely stating this information and refusing to remove this false information from my credit report.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you