davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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. (PA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (PA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had approximately {$61000.00} of fraud against my Bank of America credit card in XXXX and in XXXX for some one using my credit card numbers for purchasing XXXX XXXX online, a publicly traded company our of XXXX Ohio.I originally thought this was a subsidiary company for my property and casualty insurance as they often bill under separate corporation. I was forced to speak to more than 25 people over a 3 month period as no one would engage with me beyond taking information. I also had my card terminated for fraud and was issued a new card.

For the next 2 months with the new card, there were additional {$10000.00} charges against my card. I finally spoke to an " XXXX  '' in the Delaware fraud office after they convened a meeting with XXXX XXXX. They agreed it was a fraud and covered only {$20000.00}. After multiple appeals, I was told by XXXX that the underwriters found merit in my case and please leave 2 billing cycles to see the balance covered. That was XX/XX/XXXX. 
I waited. On XX/XX/XXXX, I got a letter that was dated XX/XX/XXXX, that my claim was denied in full. They will no longer consider covering the fraud they acknowledged occurred. 

It appears they are adopting a deny, delay and defend posture. However they advertise fraud protection and I should have to take legal action because i am the victim, first of the fraud, and now from Bank of America Credit Card.
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

City bank has been reporting inaccurate info on my credit report Im aware city bank is FDIC support I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate. 
A collection is by default late and past due, remove account from my credit for reporting past due. Delete account for inaccuracy.
Consumer complaint received 2020-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

i was given forbearance starting in may, going through XXXX. I was buying another house and opted out to be able to get the new loan. I paid {$5000.00} on XXXX XXXX to become current. As of XX/XX/07 Dovenmuehle, the processer for XXXX XXXX, has not applied the payments correctly. this is giving me an inaccurate payoff amount now that i am selling the original home that was in forbearance. I have discussed this with several representatives of both companies and no one is able to give me information on when this accounting process will be completed. I am trying to close on the sale XXXX XXXX.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I recently opened a Capital one 360 Checking and savings account XXXX XXXX 2017 using a promotional code I received via email from Capital One. The promotion stated that it was nationwide and that new customers had to enter the bonus code during account opening and too meet the two direct deposit requirements outlined in the offer. I have completed more than two qualifying direct deposits and I still have not received the {$400.00} bonus. I spoke with a representative and he told me the bonus I referenced is for targeted customers only and that he could offer {$100.00}. Now from my understanding the email stated nationwide not targeted customers only. Also if that is true the bonus code should have been rejected during account opening. It is completely unfair for me to not receive the correct bonus amount of {$400.00}. I know other customers who have signed up using this promotional code and did not live in XXXX and still received the {$400.00} bonus. I would like for Capital One to resolve this issue by honoring the {$400.00} bonus and posting it to my 360 Checking.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On  XXXX   XXXX ,    2017  I received a {$250.00} American Express gift card that I won on a raffle. I decided that I would hold on to it until I went on vacation in  XXXX   XXXX  in  XXXX . On  XXXX   XXXX ,  2017  I decided to open the sealed cardboard enclosure that contain the gift card and checked the balance. I used the website  ( americanexpress.com/mygiftcard ) and found th at someone brought something from a   XXXX   XXXX   in  XXXX , CA for the amount of {$230.00} on  XXXX   XXXX ,  2017 . I then contacted American Express  Gift Card  department at  XXXX  and informed the person that there was a fraud purchase using the gift card. She confirmed that there was a purchase and then took down my contact information and told me that someone would contact me in regards to this. I have not heard from American Express regarding this matter.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (OH)

Had a checking with US Bank and they were charging excessive fees. This account was closed in XXXX but they started reporting to XXXX XXXX in XXXX. I paid them in full and closed account. I was told nothing would be reported anywhere since I settled and paid. This is being reported to XXXX XXXX  for no reason since the amounts owed have been paid.
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

City bank has been reporting inaccurate info on my credit report Im aware city bank is FDIC support I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate. 
A collection is by default late and past due, remove account from my credit for reporting past due. Delete account for inaccuracy.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I have been banking with Citibank since XXXX. In this last week I have been charged {$64.00} in overdraft fee. I have called the bank because my account has never gone in the negatives. I have checked my account at XXXX XXXX and at XXXX XXXX when I wake up and I have not seen any negatives. I have made transfers between my accounts because I know there are some payments that will be coming through that day. Then the next day I see I have an overdraft fee. This happened twice the second time I called and spoke to an agent who assured me that I would not be charged anymore over draft fees. I made another transfer to bring my account to positive and the next day Im in the negatives because of another draft fee. According to the manager the agents do not have access to see the transactions been posted that day if they did. I would have been told how much money I needed to transfer that day. I was short {$9.00} and ended up paying {$64.00} because of it.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$3400.00}
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (MS)

About XX/XX/2022 all of my credit monitoring apps went off to inform me of my credit score dropping over XXXX points because of consumer portfolio. Money payment was made and they still reported me being over 30 days late. I called the company later that day and they said sorry. Nothing that the was going to.do to fox their mistake. I just got my credit score higher. Now they ruined it. I want that later payment removed and my credit score fixed.
Consumer complaint received 2023-10-17
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXXXXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$170.00} ; 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 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of america closed my checking account back in 2019. My daughter was a minor working a part time highschool job. She would endorse and sign her checks over to me in which I would deposit into my bank of america account - There is nothing fraudulent or illegal about this!!!! They are reporting that I am suspected fraud to XXXX - making it impossible for me to open new accounts. This reporting needs to be removed immediately!
Consumer complaint received 2022-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (AZ)

I received a loan that was serviced through UAS XXXX for some of my prerequisites for graduate school, which I am currently attending. Nearly two years after I completed those prerequisites, I started to received repetitive emails from this foreign loan company ( UAS XXXX ) when usually my loans are done through FAFSA. They kept reminding me that I needed to complete an Exit Interview ( again, nearly two years after I received the loan ). I thought that this must be a mistake, and then I started receiving emails for missed payments. I didn't even know if this company was legitimate or some kind of scammer because of the time lapse and because usually loans are done through FAFSA. 

The next thing I know, I checked my credit score a few days ago, and they reported a delinquent charge to my account without any warning or adequate help in finding the link for this " Exit Interview '' ( I asked them for clarification multiple times, and I never got the information that I needed on where to find the Exit Interview on their website. It doesn't seem to be listed. It just takes me straight to a " payment page. '' They didn't really care, even though I am still taking out loans to attend graduate school now. Anyway, my credit score dropped by over XXXX points because of their delinquency report! I have since sent them a proof of enrollment verification for my deferment. I called them to ask for more information about all of this, and the person on the phone wasn't helpful or knowledgeable about it at all. 

I would have appreciated any kind of option to make a payment or more sufficient warning before they reported to my credit score. Since that happened, I have contacted them asking them how to resolve this issue and have it removed from my credit report, and they haven't responded, just continually and repetitively giving faulty information on how to find this missing " Exit Interview '' on their broken website. 

I think UAS XXXX is a predatory loan servicer that should be investigated and prosecuted for how they damage the credit score of students who are still attending school.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MA)

XX/XX/2020, XXXX AM, PayPal abruptly limited my account, restricting me from using my account in anyway other than logging in, and viewing my balance. I was given no explanation, and only told by PayPal via email, that they " no longer will provide services to me '', along with information regarding the remaining funds in balance, which is {$8000.00} USD. 

PayPal stated in an email on XX/XX/2020, " Money in your PayPal account will be held for 180 days. After 180 days, we'll email you information on how to receive your funds. '' However they have failed to send a single email in regards to receiving my funds, despite the waiting period having surpassed over a year ago. 

They have not helped me, nor reached out to me in any way since this email on XX/XX/2020, and are still restricting my access to my money to this day. 

Its important to note that my funds are in a PayPal " XXXX XXXX Account '', which includes a PayPal debit card, & direct deposit information for an account in my name, that was technically kept at XXXX XXXX, and therefor is FDIC insured. My account was in good-standing for the entire time it was used prior to the sudden limitation. Also, all of the direct deposits to my PayPal cash account, were from the same source, " MA DUA '', which was pandemic assistance that the state of Massachusetts had been determined I was eligible to receive. I had no transactions to, or from another PayPal user, so there is no possibility for a potential chargeback, thus no reason for PayPal to continue restricting my ability to withdrawal.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (LA)

Remember back in the day when if you changed one thing it started your contract all over again? Well I had completely fulfilled my XXXX contract and I was month to month. I believe I was like 2 or 3 months into my month to month contract where I could cancel at anytime. However, when, I called XXXX to ask a question and the Customer Service Rep didnt appreciate that I wouldnt buy whatever service they were selling well the got so mad so angry that somehow I got placed into a wrongful collection account FOR NO REASON ESPECIALLY WHEN I WAS ALREADY MONTH TO MONTH. I didnt appreciate that and I said I was going to report them and did but nothing ever came of it. I mean look at how I paid/pay my bills I dont ever miss a payment just look at my payment history right now. Why would I miss a measly {$320.00} payment back then when Im making {$1500.00} to {$1800.00} payments on my XXXX XXXX credit card NOW. IVE ALWAYS PAID MY BILLS ON TIME! That XXXX  REP REALLY DID A NUMBER ON ME ANS LIED ESPECIALLY WHEN I DENIED THE SERVICE OR THE SERVICES THEY WERE THROWING AT ME. BECAUSE I DENIED HIM WHICH WOULD HAVE PUT ME BACK TO A NEW ANNUAL XXXX CONTRACT. I DIDNT WANT ANYTHING TO DO WITH THAT AND THAT IS WHAT STARTED ALL THIS OFF! ITS WRONG, ITS DECEITFUL, ITS A TOTAL FABRICATION WHICH SHOULD NOT STAND!
Consumer complaint received 2022-05-28
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: SYNCHRONY FINANCIAL (PA)

I have been 3 ongoing disputes for charges in the amount of {$2000.00} that began back in mid XXXX of XXXX ordered a product through Amazon on XX/XX/2022. There was a shipping issue and for whatever reason the product was never delivered, no fault of my own. Through many Correspondences with Amazon as well as the creditor, Synchrony financial the issue still is not resolved.Every time I make an inquiry its the same song and dance, the matter is being investigated.Amazons policy is, if an item is undeliverable there should be a refund issued as soon as possible.We are now approaching 4 months since the disputes ( 3 ) began. I have approximately {$1500.00} in legitimate charges on my account. There was a transaction that was made with the second dispute from Synchrony financial, which was supposed to be a credit to the account, turned out the transaction was a charge which added an additional {$2000.00} to the account totaling {$4000.00} now. Ever month that I receive a statement the minimal amount grows, now up for almost {$500.00} a month when there is only {$1500.00} in legitimate charges, this is unacceptable.
Consumer complaint received 2019-11-25
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. (NY)

I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

I requested a credit line increase on a card that I already had with the creditor. Under law, it is my understanding that when you request a credit line increase, it is not supposed to reflect as a hard inquiry on your credit report. I requested the credit line increase, and it was offered to me and approved, however, they reported it as a hard inquiry on my credit report. Home Dept, XX/XX/2024. Though Ive already had the creditor service and credit card in question since XXXX of this year. Anytime I do a credit line increase request, It is always processed as a soft inquiry. I never have a hard inquiry or I would not have done it. It did not offer a disclaimer that this is what would occur and this is not the standard practice. And I utilize this so that it can help increase my debt to income ratio.