davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I have been a customer of Citibank since 1997 when I became an attorney. I have a client trust account and a business account with a debit card. 
On or about XXXX XXXX, I was charged {$2300.00} by XXXX  for a mens jacket which was not placed by me and I never received it. 
After hours of staying on hold with XXXX, informing them this was fraudulent, XXXX finally agreed and intercepted the delivery, only later to then allow the fraudster to pick up the package from a XXXX. Since then I have spent over 40 hours on hold with Citibank ; made three visits to the bank and was told a case was opened. 
Last week I visited the bank again and was told nothing has happened to my case. 
Again I called the bank and after many transfers to various departments, was hung up on. 
I will attach the letter I received from Citi as well as my response and attachments to my response. We have also tried escalating with XXXX for 20+ hours and have been told Citi will handle it.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MA)

I believe my identity was stolen due to a false Unemployment Claim being made in my name. I was advised by the Commonwealth of Massachusetts to take a number of steps. One of these steps was to put a hold on my credit reporting accounts. I contact all three credit agencies and for two of them this was a straight forward process, as the law indicates it should be. Experian was the exception. Instead of granting my request, as they are legally obligated to do, they tried to sell me a separate that I was not interested in. The company has also refused to respond to my request.
Consumer complaint received 2020-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-29
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. (FL)

I HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. 

There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing this letter to file a serious complaint because BOA credit department refuse for my credit adjustment. 

I have paid off the loan balance on XX/XX/2020. I checked the account balance was XXXX via on-line banking, so I don't look at the account since then. 

On XX/XX/2020, my refinance agent told me that I have bad credit scores due to BOA line of credit showed LATE FEE in XX/XX/XXXX and XX/XX/XXXX for two accounts XXXX and XXXX. I was shocked and went to on-line banking to check, and find I still have a new balance of {$14.00} in XXXX statement and a late fee {$29.00} shown in XXXX and XXXX statements. But the late fee was waived and finance charge was credited in XXXX statement. 

I sent dispute letter to BOA, their response was the statements shown were correct, they will not change it. I didn't argue the data was error, but want to debate what it happened and seek for a courtesy credit adjustment. I usually have over XXXX score but now drop to XXXX.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIRST AMERICAN FINANCIAL CORPORATION (TX)

I have been corresponding with XXXX XXXX First American Title Insurance Company Phone : XXXX Email : XXXX She has refused to include any of her management team in the e-mail thread. I started this process XX/XX/XXXX. 

I closed on a home XX/XX/XXXX. XXXX XXXX was the loan officer. 

I was notified that my home insurance was cancelled by XXXX XXXX for non-payment. I purchased my own in XXXX. 

I was billed for XXXX property taxes by XXXX XXXX XXXX. I paid the amount due, with late penalty. I paid it XX/XX/XXXX. 

I examined my closing statement produced by First American Title and saw that I paid {$830.00} for home insurance, so I asked for a refund. 

I examined my closing statement produced by First American Title and saw that I paid {$560.00} for property tax, so I asked them for a refund. 

XXXX XXXX has deflected my requests for refunds and claimed checks were written and paid for these amounts. XXXX XXXX and XXXX XXXX XXXX claim otherwise. 

I want my account audited and XXXX XXXXXXXX XXXX management to inspect her work.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

I've told them numerous times they have the wrong number. They call at LEAST 7 times a day ( sometimes 10-12 times a day ), every day from SO MANY different numbers. As soon as I block/report one number they call me from another. They call while I'm working, driving, sleeping, ect. They will NOT leave me alone and I'm getting in trouble for my phone non stop ringing while I'm with customers or in a meeting at work, while my kids are on the computer for school. THEY WONT STOP
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

In XX/XX/XXXX I paid my mortgage with XXXX XXXX XXXX XXXX before the due date because I was going to be out of town and I wanted to make sure my payment was made.

I paid the mortgage at the XXXX, Oh branch of US Bank. On the receipt I was given it clearly said mortgage payment. On XX/XX/XXXX I missed a call while at work I called the number back at lunch time and was XXXX XXXX XXXX XXXX. I explained to the representitve that I missed a call and was told their was a problem with my mortgage but without my account number they could not elaborate on this " problem ''. So I left work drove home and called back with my account number and was told that my XX/XX/XXXX payment was past due. I told them that they were incorrect and I had a receipt proving I paid on XX/XX/XXXX. After some discussion they were able to figure out that even though the receipt clearly stated mortgage payment they mistakenly filed it as a principal curtailment.I missed over 2 hour of work due to their incompetence.
Consumer complaint received 2018-10-13
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: EQUIFAX, INC. (NV)

" " '' I have disputed this collection on this XXXX  XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2021-04-08
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. (GA)

Transunion Credit Reporting updated an error that my mortgage company made and didn't improved the credit score. 
The credit scores need to adjust asap when errors are corrected. Their errors keep me from purchasing a car etc at a good rate. 
Also, the law needs to change about 7 years destroying credit, when debt is paid it needs to improve credit asap or at least a few years not 7!!! 
we have waited a long time, and really don't want credit anymore due to this law. 
we find any other lenders who do not go through credit whenever possible. 

please file a complaint they have lowered my scores when correcting the Mortgage issue instead or raising them!!!
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I submitted a request to look into a delinquency on my report. The information on it was incorrect. That was on XXXX XXXX. It is now XXXX XXXX amd i have not recieved any info on it. Its supposed to be removed from my report after 30 days if i dont get a response.
Consumer complaint received 2022-07-20
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-29
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. (FL)

After reviewing my credit report, there are currently numerous accounts and inquiries listed on my report that was not authorized or initiated by me. This was a result of identity theft, error or malpractice.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my dissatisfaction regarding the handling of disputes I have submitted to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite my efforts to rectify the inaccuracies by detailing the accounts and violations in my consumer report, I have yet to receive any response from your organization within the stipulated 60-day period.

Enclosed with this letter are copies of all correspondence sent to your respective bureaus for your reference and review. 

It is imperative to note that your failure to respond within the designated timeframe is not only a breach of the Fair Credit Reporting Act ( FCRA ) but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your failure to validate the collection account in question is in direct contravention of FDCPA 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

Additionally, it has come to my attention that the reporting of the account 's last activity violates 605 ( c ) of the FCRA. The reported date does not accurately reflect the last date a payment was made, thus further exacerbating the inaccuracies present in my credit report. 

I hereby demand immediate action to rectify these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal recourse to ensure compliance with federal regulations. 

I anticipate your prompt attention to this matter and expect a timely resolution. Please acknowledge receipt of this letter at your earliest convenience. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (WA)

Hi I banked with Chase Bank for about 4 years or so. On XX/XX/2020 I filed a claim for a fraud that some online company was charging me with the amount of {$780.00}, {$370.00}, {$23.00}, and {$11.00} without me knowing any of the charges. I then file the claim with XXXX and on XX/XX/2020 with a bank teller they locked me out of my online access saying that they have to do that for full investigation should be back on within a few hours. The next following day I came back to the very same bank and the bank teller that filed a claim and locked out my account wasn't there and the other bank told me that they never seen anything like this and plus THE BANK TELLER WHO WAS WORKING WITH ME IS STILL IN TRAINING. So there's nothing they can can do about it. And then on XX/XX/2020 that same online company charged me again but this time with a different amount of {$370.00} and {$790.00} and some it didn't go through so it went back to my bank. I then went back to the bank to let them know what's happening of how they are able to do that while my bank is locked up. They told me that because they only lock out the card not the account. Furthermore my claim did go through and XXXX reverse that amount of the previous charged of {$780.00}, {$370.00}, {$23.00}, and {$11.00}. And now on XX/XX/2020 the bank reverse and took {$780.00} and {$370.00} out of my bank saying that the other company already pay me back which doesn't even adds up. Yes they did give back the money but that was during the time my back but that was a different charged not the same one. Funny thing is now logged into my wife 's bank account it doesn't show that amount on XX/XX/2020 was taken out but just deposited in. I'm very fustrated especially with a time like this where my rent is due and the bank is doing this to me. Please help
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my file and I noticed that there are still several errors and inaccuracies on my file. 1. my name is XXXX XXXX XXXX XXXX please remove any other names or spellings. 2. My addresses is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a unverified account that I have requested several time to be removed due to no response of 90 days FRCA violation and FDCPA violation as well 609, 805, 611.

Please delete the follwing account the are not correct : OHIO DEPT OF HUMAN SERVICES CREDIT COLLECTION SERVIC # XXXX
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

To whom It may concern my name is XXXX XXXX, I was a customer with Chase bank for 12 years. My Chase checking account number was XXXX, and on XX/XX/2020 Chase closed my account for no legitimate reason. On that same day that my checking account was closed XX/XX/2020 by Chase bank I currently had the amount of {$9200.00} in my checking account. Again, Chase bank decided to close my checking account for no legitimate reason, when I spoke to the branch manager XXXX from the XXXX XXXX CA. branch, and XXXX manager I asked both for an explanation the Chase branch manager, and his manager had a very rude response stating that Chase can close any ones account to their discretion, and do not have to give any type of explanation. Both Chase managers also stated that Chase will mail me a cashiers check in 10 business days for my remaining funds from my account which was in the amount of {$9200.00}. I never received my funds from Chase, I tried to contact Chase numerous of times concerning this issue can could not get through. The last time I called connected Chase I did speak to someone in the fraud department and this person had me on hold for almost an hour and then they disconnected the phone. The bottom line is Chase do not have to right to hold anyones money for over four months after they close their account. I started a XXXX XXXX XXXX last year as a XXXX XXXX, in which by law I can use my personal bank account to conduct business as a XXXX XXXX  The funds in my account was a grant given to me to help my business, and again by law chase bank those not have to right to keep my {$920000.00}. Thanks
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}
Consumer complaint received 2020-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

hello how are you I have student loans and it was very expensive to pay back I try to get loan forgiveness but they did not take the payment to close the loan please contact me because I have trouble with the bank and I have a deceased relative I donot know who is watching with the story it is not a good experience the people get in the house and I have a relative in a XXXX XXXX  they would not release the patient