davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

On XX/XX/2020 at approx. XXXX a representative ( XXXX ) claiming to be with XXXX XXXX  card services called me and stated they were going to transfer balances from my credit cards to another to save me interest. I asked how he received my information and he explained because I was already a customer with a good payment history XXXX and was prepared to reduce my monthly bills to keep from losing me as a customer. He stated since the COVID 19 pandemic other customers were filing bankruptcies and wanted to ensure my payments were manageable. He ( XXXX ) had all my credit card information at hand and seemed legit. Long story short, after numerous questions from me concerned about this call being potential fraud and do not pull a credit report. Sure enough before we hung up the phone an alert for hard inquiry from CBNA via my XXXX account popped up on my phone. When questioned about the alert the representative said I would receive a letter or could call CBNA to dispute and told me to have a good day.
Consumer complaint received 2015-07-02
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I opened an account with MoneyGram to transfer money to XXXX online. Money is transferred from my checking account. On XXXX XXXX I transferred {$700.00} dollars to XXXX online using MoneyGram website. On XXXX XXXX {$1000.00} was taken from my checking account. However, only {$700.00} was transferred. After several calls to the customer service and written complaint online using MG link no resolution was available. On XXXX XXXX MoneyGram cancelled the transaction and returned only {$700.00} which I picked up from an agent.
Consumer complaint received 2020-08-22
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. (NJ)

on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (MS)

Today XX/XX/2020 I asked to be included in the hardship repayment program at kroger rewards world mastercard and I was turned down even though I am XXXX and very low income. They said I had to be overdue or negligent to qualify. I try to pay what I can. I do not believe this is fair since I am XXXX and low income.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I opened the a savings account online with Chase bank and funded it ( {$300.00} ) within the minimum time frame to avoid a monthly fee. However, for the last three months, Chase has assessed a {$5.00} maintenance fee. I've had to call them to get it refunded only to be charged the following month as the average daily balance was not {$300.00}. The average daily balance was NOT {$300.00} because of the fee assessed incorrectly by Chase. This is an endless cycle. I'm assured every month it won't happen again but yet is continues.
Consumer complaint received 2018-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (VA)

I purchased a {$100.00} U.S. Bank Visa gift card at the XXXX XXXX XXXX, Virginia location on XX/XX/2020 and tried to use it about a month and a half ago only to find out it was drained ( fraudulently used ) .. I contacted U.S. Bank 's customer service at the same time and they told me a representative would call me to gather information. The representative called me and informed me that a letter would be mailed out to me to fill out and send back to them. The letter arrive a month ago, I filled it out the same day and sent it back. It's now a month later and NO replacement card has been shipped to me ... I contact U.S. bank via calling, social media, etc to no avail..
Consumer complaint received 2020-05-12
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX {$440.00}
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CO)

I am disputing the validity of your attempt to collect a balance as it has already been paid. 

My HSA plan, XXXX XXXX, paid this in XXXX XXXX for a service from XXXX delivered in XXXX XXXX. The debt of {$23.00} was paid in a timely manner, but XXXX is having an internal issue with posting the payment properly. 

I also called XXXX on XXXX/XXXX/XXXX to dispute the bill and had a conference call with my representative at XXXX XXXX, XXXX, as well as XXXX from XXXX XXXX. XXXX provided XXXX the virtual card payment authorization # XXXX and confirmed that XXXX processed the payment on XXXX/XXXX/XXXX. 

I then called AGAIN on XXXX/XXXX/XXXX to XXXX after receiving another statement, and spoke to XXXX. She told me that she saw a note that the Deposits Department was investigating the missing payment and she was sending them another message to get an update of the status. 

I have not received another bill since this time, so my assumption was that they found the payment and applied it to the account. 

It is now XX/XX/XXXX, which is 16 months later, and I am being contacted by another collections company about this same debt. I called the company, American Medical Collection Agency, today and advised them that this has been paid, provided a copy of the HSA statement showing the deduction of funds and the background information presented above. 

This is unacceptable to continue to be harrassed for a small dollar bill that has already been paid in a timely fashion.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

I am filing this complaint with your company DIVERSIFIED XXXX this account number is reporting on my credit report as if I have a debt with your company. I am have been a victim of identity fraud I never had an account with your company nor was I notified that a outstanding balance was due on any account that I have opened. Please Validate the debt that your company is reporting to my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of 1st delinquency and last payment date to original creditor, if any. 
Evidence your legal registration and bonding status for collecting debt in the State of CA.. 

I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX UNITED STATES DISTRICT COURT, XXXX, to name only one ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

My payment for my XXXX statement balance of {$2200.00} was processed on XX/XX/XXXX, one day after the due date of XX/XX/XXXX and I was charged a late fee of {$29.00} on XXXX/XXXX/XXXX. I contacted an American Express representative on the American Express website on XXXX about the late fee and they agreed to reverse the {$29.00}. 

On XX/XX/XXXX I was charged an interest charge called " Interest Charge on Pay Over Time Purchases '' of {$50.00} and contacted American Express to question the charge. I was told it was an interest charge applied to my XXXX balance because the payment was made XXXX day late but they agreed to credit me {$25.00}, half of the interest charge. I told the representative at this point that the charge is not described accurately and that I had signed up for a {$0.00} interest rate on purchases through XX/XX/XXXX with American Express. At this point I thought I had sorted through the charges associated with the late payment made on the XXXX balance since the balance was already paid in full on XX/XX/XXXX and I already discussed the late fee and the interest charge with American Express representatives on XXXX separate occasions. 

I paid my XXXX statement balance of {$1900.00} in full on time and received an " Interest Charge on Pay Over Time Purchases '' on XX/XX/XXXX of {$170.00}. I did not know what this charge was in reference to since I do not have any outstanding balance and contacted an American Express Representative on their website. I was told that American Express charges a " XXXX XXXX '' for XXXX months, even after the initial outstanding balance has already been paid in full. Even though I settled my XXXX balance the day after it was due and had already paid a portion of the XXXX balance interest charge, I am getting charged a interest fee for a second month. This second interest charge is not applied off the XXXX balance in question, it is applied to my XXXX statement balance even though XXXX balance had nothing to do with the interest charge. The representative I chatted with on the American Express website could not explain to me why I am paying interest for XXXX months on XXXX outstanding balance that was paid XXXX day late. I spoke to another representative on the phone who was a secondary level of escalation for issue review and she told me it is clear what Trailing Interest means because it is part of the paper statement. I do not receive any paper statements and when I review my transactions on the American Express website it is not readily apparent what my interest charges are related to nor that there is a Trailing Interest charge. The first representative I spoke with in XXXX to reverse the late fee and the second representative I spoke with in XXXX to give me a partial credit on the interest fee never told me about this Trailing Interest that I would have to pay for a second month.
Consumer complaint received 2024-02-28
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. (GA)

There still remains a collection account and fraudulent inquiries on my credit report. 

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 

Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. 
Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-07-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the bureau to inform them of the inaccurate inquiries on my credit report i was advised to call the company which I did and was told to call Transunion back so they could work together to have it removed but nothing was resolved XXXX XX/XX/XXXX contacted the bureau issue remains unresolved XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Contacted the bureau and it remains the same and unresolved
Consumer complaint received 2017-09-14
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ditech Financial LLC (GA)

My divorce was finalized XX/XX/XXXX, Superior Court ordered me to relinquish any ownership of Home to ex-wife who was ordered to take ownership of taxes, mortgage, deed. Wife left mortgage in my name and proceeded with Modification of the mortgage with XXXX XXXX XXXX and Ditech Mortgage. Both entities used my financial and personal information to refinance debt that was her responsibility without any notification to me that this occured. My credit has now been and will be damaged for 40 years ( term of new loans that are 1st and 2nd loans ). My name is on both loans even though I had no right to title or ownership per the court. I will never be able to qualify for any considerable credit, especially a mortgage loan, as this process occurred without my knowledge and without my signature. Transactions occurred from the best of my knowledge in XX/XX/XXXX-XX/XX/XXXX. My credit shows 1st mortgage was closed with no reason given, but also shows 1st and 2nd mortgages still in my name with new terms that were agreed to without my knowledge.
Consumer complaint received 2017-08-01
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. (NJ)

Today, XXXX XXXX,2017, Experisn made changes to my report that resulted in a 56 point drop in my score. When I called no one is able to tell me why. One account was reinserted XXXX. The account was deleted and should n't have been reinserted because they failed to reply within 30 days. Irregardless, that should n't have resulted in s 56 point drop in my score. Moreover, the drop in score came one day after I inquired about refinancing the XXXX car loan for a cheaper interest rate from a bank that uses the Experian credit score.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Bank of America at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
XXXX XXXX
Consumer complaint received 2022-09-14
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. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX - Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX  - Acct # XXXX has violated my rights XXXX XXXX - Acct XXXX XXXX has violated my rights XXXX  - Acct # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

1

5 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.