davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (RI)

I received a letter in XXXX stating that my mortgage company had a data breach. The mortgage company is XXXX XXXX. My mortgage company is a sister company of that one. On XX/XX/XXXX, I received a voice message from XXXX at Citibank involving my Citi Bank Thank You Preferred card ending in XXXX. We cancelled out that card./ The new credit card is ending in XXXX. The reference number was XXXX. She asked us if we authorized a balance transfer on that card. We said no we did not authorize any charges on that card. We received a statement with a credit on it for {$9900.00}. We received a letter on XX/XX/year>, from card member services saying that we were responsible and they closed their depute and we are responsible for a balance transfer in the amount of {$5500.00}. The balance transfer says that it was electronically transferred into a valid account or name of authorized user at XXXX Mastercard and visa. Any future requests for reembursement should be directed to XXXX Mastercard and visa. We did not make this transaction and do not have that money. We have been going through identity theft with a number of our cards. 

XXXX XXXX has our account in the fraud unit due to charges we did not make. They also changed the answer to the security question about mother 's maiden name. We would like to open up a dispute again because this was not us, and we do not know what XXXX account this was done to.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. 15 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,
Consumer complaint received 2022-05-19
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (KY)

This complaint is regarding Sunrise collection who I understand must have bought a previous inaccurate collection from another company, XXXX XXXX XXXX, probably the month prior prior. They were representing XXXX who claimed I owed them {$590.00}, which I did not ( and in reality, they owed me money for repeatedly withdrawing autopay payments for services they did not provide me- I had switched to XXXX several months prior and only XXXX was providing service and XXXX had been notified by them and me that I was switching plans ). I had gotten XXXX to take off this inaccurate report in XXXX but then Sunrise popped up with it in XX/XX/22. I filed a dispute with XXXX and am still waiting. No one from Sunrise had reached out to me. I am suppose to purchase a home on XX/XX/22 and this wrong report has brought my credit down substantially and will result in paying a much higher mortgage rate if this is not resolved asap. Thank you for your help.
Consumer complaint received 2022-05-19
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: SYNCHRONY FINANCIAL (NY)

The following account is on my credit report, it is listed under Accounts with Adverse Information the account from the XXXX website says the account should have been deleted in XXXX, 2019. The account still remains, XXXX says the account is positive which is not correct since it was handled by a credit counseling service. Please see attached screen shot. This account should be removed immediately.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (MS)

This was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 percent accurate accounts on my credit report. Unauthorized use of my credit report. This investigation has been going on for more than 45 days these items must be deleted. You violated the United States Code Law 15 U.S.C 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you to comply. These items below shall all be removed from my consumer report under 15 U.S.C 1681i ( 6 ) As its been over 45 days and you failed to comply.
Consumer complaint received 2024-03-30
Product: Credit 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. (DC)

In XX/XX/XXXX, Chase advertised a promotional offer for their XXXX XXXX card, which included, among other terms, a " welcome bonus '' for new cardmembers, whereby Chase would pay/credit {$200.00} after the new cardmember spent {$500.00} within the first three months of account opening. I signed up for the card on that premise, spent well over the spending threshold within mere weeks of account opening, and patiently waited while weeks and months passed by without the welcome bonus being credited to my account. I tried several times to inquire about the issue on Chase 's online chat platform, and received a message along the lines of " I can not help you with that '' each time. Eventually, I called the customer service line multiple times, including twice today, XX/XX/XXXX. I spoke with three ( 3 ) different Chase representatives, each of whom lied to me in different ways about the status of the welcome bonus. The first told me that " the account was not eligible for a welcome bonus '' because the offer is no longer if effect ... notwithstanding the fact that Chase is marketing the very same promotional offer on its website today. The next serivce rep. reviewed my account and saw that I had earned " cash back '' based on spending, then tried to convince me that the " cash back '' I earned was actually the rewards bonus, and it had already been applied... it had not. The third Chase rep. then told me that the offer that was in effect at the time of my application was no longer available and could not retroactively be applied to my account, and that there were no other individuals at Chase who had the power to add the bonus to my account.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. WESTLAKE PM XXXX
Consumer complaint received 2022-12-19
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: Paypal Holdings, Inc (WA)

On XX/XX/XXXX someone logged into my mothers PayPal account and sent {$250.00} to themselves. My mother is currently incarcerated Since XXXX/XXXX/2022. I have sent Proof to PayPal and the collection agency that she and still is incarcerated. They refuse to see this as fraud and continue to say she owes them the money. I have written authorization but from prison, but PayPal wants me to hire an attorney just to speak with them, they will only take verbal authorization even though she is unable and in a venerable situation that she can not defend herself. 
This person knows my mother very well and found her password, be careful with PayPal, PayPal has been a nightmare to speak with and to get any help possible. 
DO NOT USE PAYPAL!
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

I attempted to withdraw {$400.00} from XXXX XXXX chime ATM but the machine declined the transaction and issued me a receipt without dispensing any cash. 
When I went back online to check my account it's being debited with the said amount. I tried to recover this with chime and they keep telling me it's a valid transaction. 
I am still unable to get my refund for the {$400.00}
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XX/XX/XXXX Attempted to purchase and activate a children 's smartwatch at a XXXX location in XXXX, TX. The XXXX sales representative failed to get the smartwatch to activate/communicate with my XXXX XXXX XXXX phone as the parent phone. The XXXX sales representative cancelled the transaction and refunded or voided all charges. 

XX/XX/XXXX I received a bill marked past due for the XXXX account canceled in XXXX. I returned to the XXXX store and showed the same employee the bill. With help from his manager and after a long conversation with corporate XXXX it was discovered that the smartwatch transaction was not properly cancelled and that I was considered a customer still with an account. The manager, working with corporate XXXX over the phone again cancelled the account and voided any debts. 
XX/XX/XXXX I received a collection notice from ICSystem for {$10.00} which lists XXXX as the original creditor. I returned to the same XXXX store where the staff confirmed that this fee was associated with the smartwatch transaction and should have been waived but was told that they could do nothing to correct the issue now that was with collections. The XXXX staff recognized that the debt was invalid and noted it as such in the notes on my account. ( see attached image of notes )
Consumer complaint received 2022-10-13
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}.
Consumer complaint received 2015-12-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

For 10 years, any payment over the billed amount ( which is an interest only payment ) has been applied to principal. Chase Bank has stopped applying my extra payment to principal. This began when I made an interest only payment this summer. Since then they have stopped applying the funds correctly. I have spoken with customer service. The first few times, they made the corrections and apologized for the errors. Now I am getting letters notifying me that payments will be applied to outstanding interest, then outstanding principal. I can only make extra principal reduction payments in a branch or via a separate payment. Can they change payment terms on me? My loan indicates that any changes must be approved by me.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (KY)

status of any debt. All of the account statements that was sent to me in a positive balance was very deceptive in me thinking that I had a positive account balance every month not an alleged debt. The civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692c- I did not give any prior consent to communicate to me about the collection of any debt. Communication is reporting any information to my credit file that suggest I owe an alleged debt. That is a direct violation and civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692d- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I am being harassed by having this alleged debt on my credit file and its damaging my reputation. You are purposely trying to oppress and abuse me with the collection of this alleged debt. The civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692g- The validation of debt that was provided to me in past
account statements is incorrect. If this alleged debt was created from my open end credit plan my credit card which is my social security on the credit application then I would be the original creditor. If I am the original creditor to myself, how could I be in debt to myself? 15 USC 1602- Truth In Lending- tells me that my social security card is a credit card. Its not just a credit card but an open ended credit card. If I am the one who initiated the alleged debt and was given credit that I originally extended then how could I be forced to pay it back. Can you provide me any documents where I signed a Loan Application which would show that any money was actually given to me? If a Credit Application was signed then that is two completely different things and should be handled differently. I am the original creditor and I can not be in debt with myself. The civil liability for this violation is {$1000.00}.

I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with this alleged debt that you are sayin I owe. I demand that the account be deleted from your system and zeroed out in balance and any liability be taken away from me. I demand that any reporting of this account be deleted from any credit reporting agency system. I demand that any payments that was received on this account be mailed to me via check to my address. I demand
that I am paid {$7000.00} for the violations that was committed against me violating my consumer rights. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies! 
XXXX XXXX
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

in XX/XX/20 during pandemic my mortgage loan fell behind and I was given forbearance plan. My husband and were both on unemployment income and were not able to pay the mortgage, once we returned to work, I asked Mr. Cooper who was my lender at the time, for a loan modification, and was denied, then I asked for repayment plan and during this time, the loan transferred to Rightpath Servicing, the clock started over and they reviewed my account for loan modification and was denied again, their reason was that the monthly payment would be higher than it is, I kept saying I can afford higher payments, but I was still denied, then I have saved up {$70000.00} towards the past due amount and offered that but again, was denied. I am turning to you for help, I have {$70000.00}, my past due amount is {$130000.00} and I have asked for a XXXX  month payment plan for the remaining balance, I was denied, they said either all the past due or they will foreclose. I have a XXXX son and I am XXXX XXXX survivor and are unable to move in this bad economy. Please help me save my home.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (FL)

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation XXXX CREDIT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
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. (DC)

XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.
Consumer complaint received 2022-05-19
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. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX XXXX Potentially negative XXXX opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open.
Consumer complaint received 2022-04-10
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. (NC)

i received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : XXXX XXXX # XXXX {$440.00}, XXXX XXXX # XXXX {$390.00}, XXXX XXXX # XXXX {$51.00}, XXXX # XXXX {$110.00}, collection account # XXXX {$17.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$320.00},