davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have been a customer of Citibank for 15 years. The last few weeks have been a nightmare which has been affecting me and bringing up high stress level. On XXXX/XXXX/XXXX, My checking account was taken {$320.00} from my account without my consent by Citibank. I have been dealing with this matter since XXXX XXXX. Since, I ended up closing my account due to their inability to make stop payments from a company who i do not deal with anymore. Due to closing one account and opening a new checking account. According to Citibank, i was giving a credit by mistake which was my money from the beginning. I do not enjoy switching financial branches. Therefore, I ask you to help me with this matter.
Consumer complaint received 2018-06-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (TX)

I've known I've owed Federal Student Loans for some time. I took it upon myself to contact GC Services to set up payments. I've sent ALL REQUIRED PAPERWORK, which I have PHYSICAL COPIES of and they have been collecting payments for 4 months then all of a sudden they STOPPED. I get my paycheck and 15 % HAS BEEN GARNISHED! this was alarming and a tough pill to swallow all in all I felt GC Services ripped me off I filed all paperwork even made all my payments on time and, for what!? They couldn't even send and, email to inform me.of these changes! I'm a single mother just trying my best to be an, amazing mom and, keep me and, my daughters head above water next month is her Birthday I doubt I'll even be able to afford a party. All the rep that I spoke to could say is its unfortunate and, it must be a paper jam error wowww.
Consumer complaint received 2021-07-08
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. (NJ)

I am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - XXXX XXXX. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my Equifax report. A dispute was filed with Equifax directly, but it remains. 

XXXX  XXXX - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my equifax.com. 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX 3. Credit Limit of XXXX 4. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I noticed unauthorized credit inquiries on my report and asked that they be looked into for accuracy. These Inquiries remain on my credit report. These were not obtained with my consent. Please reinvestigate and delete immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

I reached out to Ally Financial XXXX, XXXX, ( XXXX ) XXXX, XXXX, XXXX and XX/XX/XXXX to advise of financial hardship due to losing my job due to a massive employer layoff due to COVID19. I lost my job XX/XX/XXXX, gained employment XX/XX/XXXX and lost my job again due to catching the virus XX/XX/XXXX. I advised Ally Financial of this each time, each time I gained employment and each time I lost employment. When I was granted financial assistance, and payment arrangements were made, Ally Financial still reported my accounts as past due 30, 60, days which is against the CARES amendment credit act. When I applied again because I saw via the company website that COVID relief was available, I was denied more than 3 times in a 3-month time span. I asked and sent documentation as to why the company was advertising that it was offering COVID relief and was not and I never got a response.
Consumer complaint received 2021-07-08
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: LEXISNEXIS (TX)

On XXXX XXXX, I received a letter consumer number : XXXX Lexis Nexis through Consumer Financial Protection Bureau Portal CFPB Case # XXXX, stating that the Bankruptcy was not on my report. I also pull the report Lexis Nexis report on XXXX XXXX that they sent, Consumer Number : XXXX case # XXXX report with a bankruptcy not listed. I was told by a representative XXXX from Lexis Nexis on XXXX XXXX XXXX CST stating that I was incorrect with the records I have because it was still listed in there unverified system that the file was not removed. I am requesting from Lexis Nexis to provided how the information was verified. Lexis Nexis also provided unverified formation to 3rd parties and won't provided details who provide these details.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (KS)

I received an offer in the mail from CIti Bank promoting a zero percent interest rate on balance transfers for 14 months. The offer stated to apply by phone or go online. I went online and applied and was immediately accepted. When I received the card the information included showed 24.78 % interest on balance transfers. I contacted the company immediately and was disconnected after talking to one individual, called again and the rep was difficult to understand and when I asked to speak to a supervisor I was told that they would tell me the same thing that I did not have 0 % interest. He said he would send a ticket and I would receive a response in 3-5 business days. A week later I called to ask a status and was told would take up to two weeks to receive a response and they were working on it. I advised the rep that they should know what campaigns were mailed and this was ridiculous and very misleading. I need someone to research this issue and advise why Citi can bait and switch consumers.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (LA)

Sometime at the beginning of XXXX, I believe the XXXX, I payed my XXXX XXXX   Credit Card with XXXX XXXX in full - payment totaled a little over {$75.00} I believe. The balance was paid in full, I didnt worry about anything else. I was notified XX/XX/XXXX that I had a balance due to two late fees. I was never notified that I paid the card late, which I do understand the late payment was my fault. I must have misread the due date and marked it on my calendar incorrectly. I have two other cards with XXXX XXXX that are in good standing and have always been in good standing. The employee I spoke with in XX/XX/XXXX was rude and abrupt and did not allow me to speak to a manager when I disagreed with the charges on file. I told her I would be calling back to discuss further. In that time, myself and my father both had unexpected XXXX and life got in the way of me calling back. I was contacted today, XX/XX/XXXX that I again had two late payments and I asked to speak with a manager. The employee transferred me to what she told me was a supervisor. This supervisor turned out to be a resolution specialist who I told the whole story to only to be informed she was transferring me to another supervisor. The supervisor answered the phone with a cheerful attitude which quickly turned into a very smart mouth. I work in XXXX XXXX as an XXXX and I know that these fees can be taken away. I remove fees for customers EVERY DAY. I also work with XXXX and do not need this so called supervisor explaining to me the law and my obligations. I understand my obiligations and I am trying to get this taken care of. The card was initially paid in full and being only a day late the late fee should have been removed then. I want this card closed, along with my XXXX card, and XXXX XXXX card because XXXX XXXX will NEVER receive any of my money again. The customer service I have experienced with this card is absolutely horrible.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

1 ) I scheduled {$10000.00} to be transferred from my Citi savings account to XXXX XXXX XXXX   ( XXXX ) on XX/XX/2020.

2 ) SNB never received the funds and when I called Citi on XX/XX/XXXX, the agent told me that the transfer was cancelled out of concerns for fraud. Then I questioned why the {$10.00} was still deducted from my account, he informed me it should be back into my account automatically. 
3 ) On XX/XX/XXXX, still not seeing the money back into account, I called again, and the agent assured me again it should go back to my account soon. 
4 ) I urgently needed the money but still not seeing it back onXX/XX/XXXX, I had to call again. But after waiting on the phone for more than one hour, I got disconnected by the system! By the way, for the previous two calls, each time I had to wait for more than one hour before I can speak to an agent. 
5 ) Called again on XX/XX/XXXX ( this time I wrote down the agent 's name : XXXX ) -she said she would create a case and escalate this issue. 
6 ) XX/XX/XXXX, still nothing! Called again, the agent didn't see any active case in my account! But she was finally able to create a case ( investigation XXXX ). 
Again the call took me quite some time ( 2h41m on XX/XX/XXXX ). 
7 ) On XX/XX/XXXX, almost one month later, the {$10000.00} was finally put back into my account.

8 ) I have been extremely frustrated with this experience - Citi 's system glitch ( cancelled my transfer request but still took money away from my account ) was very weird, but the way the customer service was resolving this simply issue is just unbelievable! Not only I lost interest during this period of money disappearing, but much more importantly it cost me a ) more than 13 hours of time ; b ) the opportunity cost of the {$10000.00} ( I was transferring money into my brokerage account ).

9 ) I called on XX/XX/XXXX, asking if I can get any compensation on this. The agent told me that she was not able to provide any credit, even for the lost interest!
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

I have a Chase Sapphire Reserved Card, and the payment is due the first of the month. To pay the bill, I can go through the Chase credit card website and it automatically draws the payment from my Bank Account. The payment normally takes several hours to be completed, although they do state that it can take up to two business days. I normally schedule the payment two days in advance of when my payment is due to ensure that it is received on time, taking into account weekends and how many business days there are before the first of the month. 

I have made payments for this credit card on time for every single month. However, on at least four instances, the credit card is saying payments have been late, and they charge a late fee and interest charge. For the first two instances, I know I made the payments on time, but the company said it was posted late and so they charged fees. When I found out, I called the credit card company and spoke to their customer service representative, and eventually after talking to supervisors they acknowledged that their system inappropriately delayed when the payment was shown as posting, and so they refunded the late fees and interest charged. More recently for this past XXXX, it occurred again. And then for XXXX, I went online and made the payment, but when I got my statement for XXXX recently, it's saying that the payment was never received and so it charged late fees and interested for both XXXX and XXXX. I am tying to talk to them to get them to address these situations as well and am hoping they will resolve it, but it's now seeming to be a pattern. And I have heard from others who have this credit card ( and other credit cards ) that they experience this as well. I don't know if it's just errors in these companies ' systems, or if it is purposeful as a way for them to collect late fees and interest charges from unsuspecting customers. I am lucky in that I am familiar with consumer protections laws and so know how to call them and challenge them, but I worry that many consumers won't notice or won't know how to challenge them and so just pay them. I am wondering if others have complained about this to CFPB and so perhaps it is in fact a pattern that requires investigation? Thank you for your time and consideration, and for all you do to help protect consumers across the country.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX I made a reservation for the XXXX XXXX in XXXX XXXX On XX/XX/XXXX I received an email from " XXXX XXXX XXXX '' ( XXXX  ) stating they could offer a better deal. I had to enter CC to see the deal. The deal was {$140.00} more and non refundable.. I did not accept the deal and left the site. The site immediately charged my card and sent me a confirmation. I called XXXX to state that I never confirmed nor authorized a purchase. Told by XXXX too bad it's non refundable. Immediately called Chase and the hotel ... I have disputed, sent faxes, messages etc. and Chase said that the merchant claims nonrefundable purchase.. I did not purchase anything. The XXXX XXXX XXXX XXXX for the XXXX  XXXX reached out to let me know that the hotel canceled the reservation and charged me nothing and charged XXXX nothing. I have been fighting the {$390.00} since XX/XX/XXXX and no one cares that this unauthorized charge for a reservation that doesn't exist is on my card. What is a senior citizen on a fixed income supposed to do when duped by a site and then her bank? We have excellent credit and have never had to file against something of this nature. XXXX is keeping money that that Chase paid them and Chase wants me to pay it back on the XXXX of this month. I have documentation of several correspondence with XXXX, Chase and XXXX XXXX. Please help.
Consumer complaint received 2020-04-30
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: ID Analytics, Inc. (VA)

For one, I dont know who these people are. I never gave them permission to go into my personal information to obtain my personal information. Which resulted in higher interest rates of a recent purchase. My credit score was extremely low compared to other reputable agencies. I truly believe their main purpose is to help crooked business to charge the consumer more monthly payments, because of low credit scores.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American express ( AMEX ) uses 'Amex Offer ' promotional feature to attract customers to use their cards in particular categories. However, AMEX misleadingly hide the time zone in the Amex offer which they uses to measure if the charge is qualified. I have a Amex Offer added to my card ending in XXXX which was called " XXXX XXXX XXXX XXXX Spend {$300.00} or more, get {$60.00} back. Get a one-time {$60.00} statement credit by using your enrolled Card to spend a minimum of {$300.00} in one or more transactions, on room rate and room charges, when you pay for your stay at XXXX XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. '' The charge was made at XXXX XXXX  PST ( pacific time ) on XX/XX/2021, which was supposed to be eligible for the offer. However, Amex refused to reimburse {$75.00} according to the offer because they said my charge was made at XXXX MST ( mountain time ) on XX/XX/2021. I have no problem if Amex had told the customers that they use MST mountain time in the details of the Amex Offers. However, since the Amex Offer does not mention which time zone it uses, it is natural to assume it was measured in the customers ' city 's time zone. In my case, this charge should still be eligible as it was done on XX/XX/2021.
Consumer complaint received 2021-05-03
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)

I was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MI)

I was at XXXX XXXX XXXX XXXX, and they offered promotional financing. I know they said promotional financing, because I didn't want another line of credit on my account. I get home and turns out I get a new credit card.
Consumer complaint received 2021-05-03
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this is my 2nd attempt. I am interested in processing disputes for all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information that needs to be removed asap.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I wrote to XXXX XXXX, XXXX, Experian about incorrect address and names on credit profile. They refused to remove it so XXXX asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX XXXX XXXX