davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (LA)

In XX/XX/XXXX I started a Business school and took out a Student loan through XXXX XXXX ( I think the 3rd word was XXXX ). The school closed 1 week after they cashed the check. The loan was for XXXX. I never went to school and after never hearing from them, I was asked to start paying back in about XX/XX/XXXX. My current husband and I had our Federal Taxes withheld to pay for this 4 times totaling more than XXXX. In XX/XX/XXXX the loan was sold to XXXX and they were paid at least 1 year at XXXX/mo and a Federal income tax check of over {$800.00}. All of a sudden XXXX is showing the amount due as {$4800.00}. In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX with a balance of {$4200.00} and I didn't have to pay anything because I didn't have a job and they said they wouldn't use my husband 's income because he wasn't responsible for this debt prior to knowing him. Now XXXX XXXX XXXX wants $ XXXX/month because I have a job and make about XXXX/month. I wouldn't mind paying off the loan right now if it was just the original amount. We've paid more than the original amount and fees, but none of it has ever been credited.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I downgraded my Citi Prestige card to the Citi Premier card. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I added authorized users and was incorrectly charged a fee for this ( {$75.00}, {$68.00}, and {$62.00} respectively ). 

Per the terms and conditions of the Citi Premier card, there is no fee for adding authorized users. I contacted Citi after the first charge was applied to my account and was told that it would be refunded. Nearly 6 months later, no refund has been issued. 

I have since contacted Citi on multiple occasions and have either not been able to get through to an Agent ( line hangs up ), or I am told a refund is forthcoming and it does not. 

I have attached a copy of my statement to show these incorrect charges on my account.
Consumer complaint received 2021-11-09
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. (NY)

They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude as well.
Consumer complaint received 2020-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

Venmo has frozen access to my account even after I have verified my identity multiple times. I have showed them my photo ID which is my driver 's license as well as bank statements and they're still holding my account with no explanation. All I did was add money from my bank and as soon as it went through venmo froze my account. This is fraud because venmo is lying and not giving me access to My Money!
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX Confirmation # XXXX XXXX Report # XXXX Transunion File # XXXX I am filling this complaint because XXXX 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 that I have disputed. Please resolve this matter as soon as possible, thank you.
Consumer complaint received 2021-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really certain that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed.
Consumer complaint received 2020-12-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NY)

I XXXX XXXX have been dealing with the multiple issues running my own business during the COVID-19 Pandemic, unfortunately I was dealing with the quick growth of my business starting in fiscal year XXXX. However, as an excellent paying consumer of Santander/Chrysler Capital I respectfully request a full audit of the actual reception date, not necessarily the fund clearance date of the following payment periods : XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing XXXX late, XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing 30 days late, XX/XX/XXXX showing 60-days late, XX/XX/XXXX showing 30 days late. I do not believe that these late payment periods are accurate, and I respectfully request a reset of my prior payment history based upon the hardships from the Covid-19 Pandemic. These requests are purely from professional courtesy, and the audit review could easily be eliminated through a one-time courtesy reset. 
XXXX XXXX
Consumer complaint received 2020-12-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-11-09
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: JPMORGAN CHASE & CO. (NC)

My ex wife and I purchased a car through a local dealer and was financed through JP Morgan / Chase bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to Chase which stated that my ex wife was solely responsible for the loan and Chase refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Consumer complaint received 2018-06-20
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. (PA)

I have submitted multiple requests to XXXX XXXX XXXX XXXX, XXXX, and TransUnion to correct an error on the reporting on my mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. The months of XX/XX/XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XX/XX/XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that  the XX/XX/XXXX payment would not be corrected as it was more than 30 days late and the XX/XX/XXXX payment was not reported to any either XXXX or TransUnion as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and  submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and TransUnion reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to XXXX and TransUnion for correction on the reports. I submitted all documentation to both including documentation of the payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Both Experian and TransUnion will not correct the reporting of these two months. All Reponses state that both XXXX and TransUnion confirmed with XXXX XXXX that the payments were reported correctly. XXXX and TransUnion completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, Transunion changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Checks that were ordered from my new checking account at Citizens Bank were stolen in transit on XXXX/XXXX/16. XXXX checks were fraudulently written between XXXX creating a - {$2300.00} overdraft in the account. I called the bank immediately upon hearing about the overdraft and filed a police report. I signed and sent affidavits regarding all the stolen checks. Due to miscommunication, oversight, and other errors by the bank, there continues to be a - {$610.00} overdraft in the account and the account is now 'charged out ' even though there is a fraud claim still pending. At XXXX point, the bank mistakenly sent out a 'Fraud Suspicion ' report to XXXX and almost had my current checking account closed. It is now 75 days since I first reported the incident, 49 days since I faxed the first affidavit and 38 days since the last affidavit was sent to the fraud claims department. Very little explanation was given as to the process of filing these claims and how long they would take. Customer service supervisors at Citizens Bank are not returning phone calls. There is little if no communication between the customer service department and the fraud claims department. No one at Citizens Bank can give any time frame as to when the funds in my account will be restored.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MN)

I have contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding farmed this disputed debt to law firm without forwarding required information. I do not know what this debt is for or how come they are garnishing my wages. 
There is a document submitted to the court that says I owe this debt but I do not think this document is reliable. This is a new job I just started and they say that I was served and I have no way of disputing this after all these years but I was not served with these papers This is a lot and I will be forced into bankruptcy for a dishonest creditor and a old debt from some law firm I never heard of
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

I recently reviewed a copy of my credit report and I realize several inaccuraries on my credit report. Credit Collections Services repeatedly violating my rights and defaming my character. They are in violation of 15 USC 1692 a.b.c.d.e. I have attached a copy of my License and my cease and desist letter.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX have listed professional finance in first point as a collection online reports with them. This information should be removed by now as I have mailed certified letters to the corresponding companies. There are zero collections on my XXXX report therefore there should be zero collections for XXXX days and Equifax. 

XXXX certified mail numbers XXXX XXXX arrived around XX/XX/2022.
Consumer complaint received 2020-12-18
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: EQUIFAX, INC. (NC)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX 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 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one did not notify me when someone maxed out my credit card to {$5000.00} and then let it go over and charged interest and told me i owe them {$5900.00} and i did a fraud packet and they still did nothing when i lost my card in a different state while traveling. Then after multiple attempts and them taking it off my credit report and putting back on its now showing on only 2 of the 3 credit bureaus for mouths now! I reached out to the credit company on XX/XX/XXXX and the company did not respond at all let alone in 30 days which is required by law. I want this whole account removed as its from XXXX and is affecting my life and my familys. Im also law enforcement.
Consumer complaint received 2020-12-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against National Credit Adjusters. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (NJ)

A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit
Consumer complaint received 2020-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
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. (VA)

The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in my credit.
Consumer complaint received 2022-10-19
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)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, Bank of America closed my newly opened checking account just days after depositing a cashier 's check for {$5000.00}. I deposited the check on XX/XX/2020 and a hold was placed on the check until XX/XX/2020. On the morning of Wednesday, XX/XX/2020, Bank of America closed my account without notice after completing 2 transactions. I completed an ATM Withdrawal for XXXX, and a debit card purchase for XXXX. Shortly thereafter, I went to my local Bank of America branch to complete a teller Withdrawal. I was advised by the teller my ATM pin was incorrect and my balance was negative. When I disputed this information, I was told to speak to a banker. After speaking with a Banker, I was told the account was frozen and we needed to contact the identity theft department. Upon calling, the banker was advised that my account was closed and no further information could be provided. A check would be mailed out to me. No more detail was provided in regards to the account closure. I received correspondence from Bank of America that an additional hold was placed on the check until XX/XX/2020. It has been more than 2 weeks since depositing the check and I have yet to receive my funds in the amount of {$4100.00}