davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I am writing to you for TransUnion they made a huge mistake They received my dispute letters via Certified Mail I checked with tracking by USPS I will include that in my attachments. 
TransUnion received my dispute letters on XX/XX/2019 It's been XX/XX/2019 and still no reply from TransUnion so I sent a non response letter on or around XX/XX/2019. 
I finally received my credit report I recently disputed from TransUnion on exactly XX/XX/2019 As I opened the envelope too look at my credit report it dated On the report papers it was made on XX/XX/2019 So I looked through the dispute letters carefully. 
As I looked at the envelope it dated as a postage stamp on XX/XX/2019. 
So they are trying to be slick and play games with me They fixed everything in hopes I don't catch the date postage mark. That dates XX/XX/2019. 
Everything will be with proof included in the attachments from the date TransUnion received my dispute letter to the date I got my updated credit report back to the date stamped on the postage stamp by TransUnion. 
By law if it is past 30 days I do not get a response within that timeframe everything I disputed needs to come off my credit report. 
I'm just very upset with TransUnion playing games with me. You will see my attachments Sincerley, XXXX
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

This morning, XX/XX/19 at approx XXXX EST, I called my bank, Chase Bank, to ask questions about XXXX, a monetary transfer service that the bank uses. I was planning to purchase concert tickets from XXXX XXXX, and I was advised by a representative that if there were any problems, that I could file a claim with the Chase Fraud department. I had never used XXXX before but that was the service preferred by Mr. XXXX. So I sent money though their service, XXXX, under the impression that I could rely on my bank to help me in the event of foul play. 


Minutes later when I did not receive my tickets and could not reach Mr. XXXX, I called Chase to cancel the transaction, and was put on an extended hold. I was transferred four times, to be told that it was too late to cancel the transaction  and that they would not dispute the charge. They said that it was the equivalent of giving away cash, as opposed to a credit or debit transaction. I was told that I should have called the Fraud department regarding my questions about XXXX, and not their telephone banking department. I have been a loyal Chase customer for ten years and I am surprised by the lack of empathy and customer service. I will be closing my account immediately. 

Do not use XXXX, do not bank with Chase, and be careful with ticket sales.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

I recently paid Macys XXXX to fully pay for the alleged owed amount from my credit report. I didnt receive any notice of this debt to be able to dispute this debt from years ago. Even when I called Macys they transferred me to Citibank who didnt even have a record of the debt.
Consumer complaint received 2022-10-11
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. (SC)

My name 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 2022-03-21
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. (NJ)

I have 2 open cases with XXXX Fraud Department that is not being handled professionally by XXXX. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX Case # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to XXXX who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX Loan however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The XXXX XXXX XXXXd that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact XXXX and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by XXXX. Please note I am a victim of identity theft and XXXX is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX XXXX XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX  Banking Dept Complaint # XXXX -- -- -- -- -- - XXXX Your Confirmation Reference Number is : XXXX
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I've had a Bank of America credit card for over a decade and have had an auto loan with them for almost 5 years. I am several payments away from paying off the auto loan. Earlier in the year, I opened a checking account with Bank of America. Unbeknowst to me, this transfers my customer and account information onto a different backend system within Bank of America. This transfer messed up my XXXX XXXX setup in that I stopped getting eBills and my automatic payments were cancelled. I was not able to setup another automatic payment triggered off my bills because " the eBills were already created. '' When I called BoA about this, for the auto loan, they told me to just create a fixed amount recurring payment since my auto loan payments do not change. I did this, as they instructed. Due to this issue, I also cancelled my checking account, hoping that switching back to the old system would fix the issue. It didn't, and actually made it worse. 

On XX/XX/XXXX, two identical auto loan payments were pulled from my checking account by Bank of America. I confirmed with my bank that both transfers were initiated by Bank of America. BoA only shows that they pulled one payment, and all the representatives I talked to, both via secure message and on the phone, said they only show in their system that one payment was pulled. They insisted nothing was wrong on their end, and after I bedgered them to delete all of my eBills in an attempt to " purge '' my account, they deleted some eBills from my record ( eBills I could not see ), and I had hoped this would've resolved it. On XX/XX/XXXX and then again on XX/XX/XXXX, Bank of America pulled my auto loan payment out of my account once on each day, totally two payments again. The issue has still not been resolved, they still have an automatic payment setup in their backend system that they either can not find or have not bothered to find. I am lucky in that I can afford to make these double payments without BoA overdrafting my account, but I see these unannounced and undocumented double withdraws as egregious as I could be sitting in a ton of fees if I didn't have excess money in my checking account. I am also close to the end of my loan payments, and I'm worried that this " ghost '' automatic payment will continue to pull from my account even after the loan has been paid off. I have been trying to get them to fix my automatic payments since XXXX, and they just don't seem to be taking this seriously. I'm hoping a complaint to the CFPB will help prioritize this in their eyes.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I contacted TransUnion credit company because I was unable to access my account in order to unlock the freeze on my account. 
I first spoke to one woman, but the connection was very bad perhaps due to a recording being done or the person answering was far away. ( XXXX? ) A second attempt a few minutes later had the same problem and I hung up and waited until sunday XX/XX/XXXX to try. After then being on hold for over 20 minutes twice I gave up. 

On monday XX/XX/XXXX I was able to get through and after explaining my unability to access my account I was told that a new password would be sent in 5-15 minutes.

After waiting 60 minutes I called again and was told the same thing. I did check again that they had the correct email and it was indeed correct. As of this writing it is now over one hour of my last call and so far no email with a password.
Consumer complaint received 2020-02-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (MA)

I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is a violation and against the law tu sue a XXXX person living on a fixed Social Security income. I will like for you to please have the courtesy of stopping and canceling the lawsuit on XX/XX/XXXX and email me a confirmation from you and your lawyer saying you cancelled and stopped the lawsuit through this cfpb message or XXXX.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (SC)

My name 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 2020-02-12
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX XX/XX/XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-04-14
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 (NY)

I paid off and closed my capital one credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I applied for a refinance on XX/XX/2019 with a very specific fact pattern including a 2nd lien which was an equity sharing agreement. The entire time throughout the informational gathering process this was known. 48 days into the process after all other information was obtained they indicated they would not subordinate an equity sharing agreement.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Around XX/XX/2019, i was solicited with an online offer from Citibank to establish a " Citibank account '' package and deposit {$15000.00} into the account, maintain it for 60 days along with direct deposit activities and i would receive {$400.00}. I have maintained my end of the deal and fulfilled the requirements. I followed up 4-5 times with citibank customer service reps by chat, phone and email and they notated my account to be eligible for the bonus and will be credited accordingly. 4 months later, i received an email saying i am not eligible for the promotion.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (VA)

I received a debt collection letter for an account i have no knowledge of, I have been diagnosed as completely XXXX and unemployable from XX/XX/2011 and didnt open any loans nor have I worked in 11 years to receive any income besides XXXX. I reached out to the company by email, and certified mail to verify this debt and to cease collections until they verify the debt and for them to send me information regarding this debt, unfortunately this company never sent me any correspondence concerning this debt and immediately filed a illegal lawsuit against the fcra laws for a debt I have no knowledge of. The email, phone and address on this debt civil suit is not associated with me I never stayed our own the email our phone number.
Consumer complaint received 2022-12-03
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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. The following Account ( XXXX ) : XXXX XXXX XXXX XXXXcct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (GA)

I was in an accident in XX/XX/2019. Since then, I have made several attempts in contacting Ally Financial to obtain the documentation necessary to file my GAP insurance claim with XXXX. XX/XX/2019 was the most successful attempt, however, I still have not received all the needed documents. I spoke with someone in customer service on XX/XX/2019 and explained that I had called several times prior to obtain an original contract and a statement including the payoff from the date of loss. We had been advised multiple times that the documents had been sent to XXXX, but when we spoke with the representative on XX/XX/2019, she saw no evidence that anything had been sent. She advised that she would get the contract sent in which I asked to have it sent/emailed directly to me so that I could send it to XXXX myself. She immediately fulfilled the request. As for the payoff from the date of loss, she explained that it would take a few days for her to obtain that document for whatever reason and that she would mail it as soon is it was ready. I followed up after the new year to the tune of their systems were down and would probably be down for the remainder of the week, so call back in the next week. I have called SEVERAL times since then ... XXXX has called, but there has been no answer on their end. I just need this once document so that I can more on with filing this claim.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (MI)

I am the original creditor and natural person. I did not give written consent for them to furnish my consumer report. An medical information is not suppose to be reported on a consumer report.
Consumer complaint received 2022-03-21
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. (NY)

I made an complaint about several inaccuracies on my credit report and have yet to receive any response or results and it has been well over 45days. i have not been cintacted i have also provided proof
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (OH)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I pay my bill in full and on time. Yet Macys continues to send statements after my bill is paid looking for {$2.00} in interest charges. I called in XX/XX/XXXX thinking it was a mistake. They tried to fast talk me about interest and they removed fee. But they did the same thing in XX/XX/XXXX. When the bill is paid in full there should be no interest. I suspect Macys is just ripping people off. Many people will just pay that small amount because of the hassle but I wont. Its just wrong. Im cutting up my Macys charge. Please make them stop. 
Thank you so much.
Consumer complaint received 2020-02-12
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)

To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.
Consumer complaint received 2020-02-12
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: ENCORE CAPITAL GROUP INC. (NV)

I been trying to fix my credit I contacted the Credit bureaus and to fix the reporting issue but keeps come back as not Account been settled when called they told me to contact the original lender and Collection agency they both tell me their not the reporting partys