davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 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 2020-04-15
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. (TX)

I have a Student Loan that was transferred to XXXX. The last payment was XX/XX/XXXX which was a co-signer release. I never received information in whether this was approved or not. I cant tell if it was applied to my balance. The account had since been closed and charged off. The private loan is still reporting as if the account is open. On my equifax report, it shows my last payment was XX/XX/XXXX. This is incorrect. It has since this date been reporting negative as well as charged off. This is like double jeopardy. This makes no sense. I have requested that the company fix this several times. Because of this, I believe this account should be deleted from my record. This is unfair treatment to consumers.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I made several payments to my Best Buy card in the month of XX/XX/2020 and I noticed they put my payments on hold and unable to get hold of Citibank so I can get theses payments released and I dont have no patience in waiting 7 days at all and the fraud rep told me she can only be on the phone for 5 mins but my bank which is Citibank clear the funds from several payments and best citi refused to contact my bank to verified funds and said they can be on the phone. For 5 mins and they are charging me too much interest on my credit card and Im asking them to lower it or give me a offer since Im going through some hard times due to the cornavirus they had my payment on hold for XXXX I paid from my Citibank account ending XXXX
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CO)

Chime Bank Account XXXX was fraudulently opened in my name at XXXX MST XX/XX/23. My email was used for the opening on the account which is how I was alerted. All of my credit is currently locked. This account never should have been opened by chime. Chime never should have opened an account when my credit is locked with Fraud alerts. This is a massive breach in consumer trust and how do I keep them from opening more accounts if they ignore the freezes? When I spoke with chime they did not seem to care that they opened the account with locked credit. Consumers can not protect themselves if institutions blatantly ignore the rules. 

Address listed on the Direct Deposit form was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can send over all email chains in relation to this item. The account has been closed as of XX/XX/23.
Consumer complaint received 2020-04-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I mailed a debt validation letter to Bank of America ; Account Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ], on XX/XX/2020, via Certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). 

Bank of America failed to provide me with the information I requested in the letter, and failed to place my account " in-dispute '' status. 

I received a letter from Bank of America, dated XX/XX/XXXX stating the validation of my account, failing to report to me, or credit agencies that my account was ever in dispute.

See attachments : 1. Letter mailed to Bank of America.

2. Delivery Confirmation of Debt Validation letter.

3. Credit report as of XX/XX/2020. 
4. Credit report as of XX/XX/2020. 
5. Bank of America 's reply to my debt validation request.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

To whom it may concern, Paypal closed my account of 8 years for no reason and refuse to assist me with resolving the issue and re-activating my account. 
I am uncertain if this an error on their behalf as I assume it has to be. I have not been able to get help from them and My lawyer recommended to file a report on this platform. 
It is clearly evident that there is an element of unprofessionalism and this is directly impacting me a great deal as I used paypal quite frequently for the past 8 years. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I always try to pay my Goodyear credit card n time. If I am not mistaken my monthly due date is by the XXXX of eaach month by XXXX of that day. Last month i I realized i had to put my paymernt through but I was only 55 minutes late becaus of home issues and the Covid 19 pandemic, so i called in my payment at XX/XX/XXXX only 55 minutes after the cut off time. @ XXXX XXXX..The next day in the morning of the XXXX I called them and the representative said they would honor the XX/XX/XXXX payment as being on time and they wouldany late fees or interest. 
So tongiht on the XXXX of this XX/XX/2020Month i wanted to make my XXXX payment ( even though we are having hardship with funds becuse of the Corona Virus situation ). When I saw My bill I was very upset and to my dismay there were late fees and interest from the previous month on my account statement. The rep said " there would not be any and that they waived them '' .. I find this to be unfair buisness practices by Good year. ( This seems to be an on going problem by this conpany from past history. they never get it right ) .I would like them to adjust and waive all the interest and late fees from XXXX XXXX they lied!!!! ( unfair business practices when I asked for a confirmation # on this agreement they said " They had none but not To worry. '' I guess they took advantage of me
Consumer complaint received 2022-12-29
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 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 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

Refer to previous complaint XXXX Once again today XX/XX/XXXX I am not able to access my account to make early payment. The same issue occurs : Go to sign in ... signs in.

Then displays message " We are having trouble reaching you, please provide email '' Enter email ( that I get correspondences for them OK now ) Error message : " That email address is not valid, please enter a valid email address '' Email has never changed, we seem to have this problem when trying to pay more than one payment a month. They are prohibiting me from paying off my card and lower interest charged.

Hit or miss on access, but I always have to enter email due to " unable to reach you '' stuff ( every sign on ). Sometimes it works.

Today the access is denied. I have a 27 min wait time currently ( on hold waiting ) to pay by phone. I have to return to work, unable to pay bill.

Please assist.
Consumer complaint received 2020-03-23
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)

I never had a mortgage with XXXX. They are reporting late payments with Experian. I had pulled my credit and immediately notified XXXX and Experian. XXXX agrees I have never had a mortgage with them. I disputed the error on the Experian website. I was just notified that XXXX confirmed the information as accurate.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 2020-03-23
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: Experian Information Solutions Inc. (NC)

I am writing this due to non-compliance with Experian. They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my disputes from XX/XX/2020 or XX/XX/2020 where I requested method of verification. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (GA)

i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, XXXX and Experian continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have a mortgage through Suntrust ( now owned by Truist ). I've attached the pdf of Truist offer to " help '' to those people who need assistance due to the Covid-19 pandemic.

On the above mentioned pdf, Suntrust mortgagees are given one phone number to call in order to speak to someone directly about our specific situation and needs. However, each time I call, I am placed on hold for hours at a time with no one ever answering. In fact, I was just " disconnected '' after almost 4 hours of waiting.

There is no online way of connecting with them, and when I call other Suntrust numbers ( ie Client Services ), as soon as I get hold of a live person and say I need mortgage relief due to Covid-19, I get transferred back to that one same number that I have already been calling.
Consumer complaint received 2020-03-23
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)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX  XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX  Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit XXXX Credit limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW   Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/20, my boyfriend and I get scammed by 2 people who claimed to be hiring us as front desk attendants and we were to start Monday and they asked me to XXXX them {$300.00} for our uniforms, and said we would be reimbursed in our first paycheck. I was not really familiar with XXXX, so the girl involved with the scam asked for my phone and input her account information, and the amount to send to her own account. As soon as I got home we researched the company to find out it did not exist. I call Bank of America right away to report the scam and see if they could stop the payment. I spoke to the department that handles these types of issues. They informed me that the scammers also had a Bank of America account but there was nothing they could do about it. I asked since it was the same bank if they could put a hold on it and they said no. After just being scammed by strangers, I was very disappointed to learn, as a long term loyal customer, they would not help me at all. They seemed very uninterested in my incident.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (CA)

So, I opened a money lion credit builder account. I paid of credit builder account early and was not given my escrow balance of XXXX dollars per the terms of the account. They first reported me late on credit then later reported me as paid. Very misleading. 

The company is named money lion.
Consumer complaint received 2020-04-15
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: EQUIFAX, INC. (GA)

i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, Equifax and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered TransUnion was charging me $ XXXX/mo for credit monitoring. I have never received a statement or receipt for these charges, they just showed up on my credit card statement. When I try to log into the account to cancel, I am unable to access log in. When I call to try to get someone to help, I can not get a person on the phone. When I tried to get help via email, they told me to send my social security number over an unsecured email line, which I do not feel comfortable doing. There is no live person help, you can only send them an email, which they ask for sensitive personal information that should not be given over email. 
I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$24.00} each time. 
I would like for someone from Transunion to call me to cancel this service.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

In XX/XX/XXXX purchased furniture from Ashley Furniture on a Synchrony Bank credit card. I paid the first week of the month for the first year. XX/XX/XXXX/XX/XX/XXXX I discovered Synchrony had been charging me late charges every month for the first year. I got NO notifications for a year. I changed the payment date. The mistake was made at Ashley Furniture by the sales person who obviously wrote the incorrect payment date on the contract. Synchrony has refused to work with me on this. 

I have offered to pay off the amount I owed minus the late charges. The total I should pay for the whole transaction plus interest is approx {$2600.00}. At this point I have paid approx {$1300.00} in payments. They are asking me to pay all late charges on top of the normal charges. If I pay this card off today I will be required to pay {$2200.00} for a total of approx {$3900.00}. Basically they are overcharging me {$1300.00}. 

They have brought my credit score down a significant amount. Their customer service people have been rude and refused to help. When I call I get a different person that is obviously reading from the same script as the last CSR. Synchrony claims they are investigating this matter.