davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have credit monitoring and noticed a " collection '' noted with TransUnion. The information is as follows : XXXX account reported on XX/XX/XXXXXXXX account reported on XX/XX/XXXX ClosedAccount # 1 $ XXXXBalanceXXXX XXXX2 XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXXOpened DateXX/XX/XXXXLast ReportedIndividualResponsibilityPaid collectionThis information is completely inaccurate. I 'm not sure what it even represents and would like it removed from my TransUnion credit report
Consumer complaint received 2023-04-13
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. (TX)

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 

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 XXXX XXXX XXXX - These accounts are inaccurate. The days late is inaccurate. Transunion is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Transunion SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? 
Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. TransUnion has failed to respond.
Consumer complaint received 2021-06-05
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: Advantage Credit, Inc. (CA)

I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file.

I would like to have these items removed or validated per 15 U.S.C
Consumer complaint received 2017-04-01
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: SECURITY CREDIT SYSTEMS INC (NY)

I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

Bill not received by Macy 's and phone information they had was incorrect and never heard of. Received notice in mail immediately called. Never had a late payment and did not once contact or receive bill from them. They had no compassion even though a good customer. I purchased item for XXXX they charged late fee of over {$150.00}
Consumer complaint received 2021-06-05
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: CBC Companies, Inc. (CA)

I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file. 


I would like to have these items removed or validated per 15 U.S.C
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

This is a follow-up of my previous CFPB complaint ( Complaint Number XXXX ) against Citi Bank for not honoring their promise of {$200.00} cash bonus after I opened a checking account with Citi and fulfilled all the requirements to earn that {$200.00} cash bonus. After I submitted my previous CFPB complaint ( Complaint Number XXXX ), I received a letter from Citi Executive Response Team, which is quoted below ( I have attached the letter with this complaint ). 
" You recently reached out to the Consumer Financial Protection Bureau regarding your concern about Citi, and weve reviewed your request. 
We understand your concern regarding a promotional offer for opening the above-referenced account, and we regret that misinformation was previously provided concerning the promotion. Our records indicate the account is linked to the offer XXXX ; however, as disclosed in the terms you included in your complaint, credit will be applied within ninety calendar days from the date you complete the required activities. The required deposit was made on XX/XX/XXXX and has been maintained the required 60 days. Therefore, a {$200.00} credit will be applied on or before XX/XX/XXXX. We regret any frustration this may have caused. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. '' The letter promised that a {$200.00} credit would be applied to my account on or before XX/XX/XXXX. Today is XX/XX/XXXX, I have not yet received the {$200.00} credit in my checking account. When I called Citi customer service, I was told that they needed to investigate this case again for a number of days. I think it is one of their deceptive practices to not honor their terms. They need to be stopped and exposed. Thanks.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry Portfolio Services has sent several letters with regard to a debt that is well beyond the Statute of Limitations for collection according to the Fair Debt Collections Practices Act. The debt can no longer be collected yet Cavalry Portfolio Services is sending letters requesting collection. They are also, showing this item on my Credit Report which has damaged my credit history. In accordance with th e Fair Credit Reporting Act they can not show items still in collections beyond 7 years. In accordance with the Fair Credit Reporting Act, Charge Off 's  may sta y on the Credit Report for 7 years from the date of the  1st deli nquency with the original creditor (  XXXX   XXXX  ) which  is  XXXX  2009 ( see t he attached statement ). Cavalry  Portfolio Services is a third party debt collector that may not " re age '' a debt to suit their needs. Moreover, t hey are not the holder of the original instrument ( the original note ). In accordance with the Law of  Negotiable Instruments, Cav  alry Portfolio Services has no standin g.
Consumer complaint received 2022-02-15
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. (NJ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My hisband deposited our monthly retirement checks from   XXXX    XXXX   XXXX . The two checks came to about {$3000.00}. We had requested the automatic deposit, but  XXXX  said they would have to pay us this month with a paper check. My husband used the ATM, and they put a hold on the {$1300.00} check. They put a  1  0-day hold  on the other check for about {$1600.00}. I called customer service and explained the origin of the check. I have  two c hecks the are going to return and charge me about {$60.00} in NSF charges, not including what the merchant will charge. I spoke to  3 di fferent levels of management  ( or  so they said  ). I t old them that I wanted to speak to someone who the wherewithal to make an accommodation. I was told I could speak to a decision making level by making an appointment. It would take  2 we eks before the would call me. I do n't know what I expect you to do, but I am irate. We deposit an additional {$6000.00} every month in the account. I would like others to know about their egregious behavior.
Consumer complaint received 2016-07-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (NY)

I contacted Fred Myers/cbna about my account that opened XXXX/XXXX/XXXX and closed XXXX XXXX. They have not furnished information to XXXX credit bureaus to have it removed. My 7yrs FCRA limitation is being violated. Fred Meyers said they ca n't find these old accounts, so how are you reporting back to credit bureaus if you do n't have my old information available.
Consumer complaint received 2016-06-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SFS, Inc (TX)

I have repeatedly requested for them to stop contacting me at work. I have advised them that all communications with me should be via my personal phone number, email, or US mail. They have repeatedly disregarded my wishes and continued to call me at work ; including leaving messages on the general delivery voicemail and at my extension.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Back in XXXX I purchased a vehicle, XXXX ; My financing at that time was with a local financing company. After having the vehicle for about 3 to 4 months, I received a correspondence that Capital One was now the lien holder of my auto loan. I began making payments through the new account online through Capital One 's website. My auto loan payment was roughly $ XXXX. After my account was switched over to Capital One, I started receiving calls about late payments, additional fees, and also that my car payments were now $ XXXX. I had to make these disputes each month and still never received a resolution even having all of my original bill of sale documents. In XX/XX/XXXX, I traded in the XXXX for the vehicle I currently have now and have not heard anything from Capital One. Several months later, about XX/XX/XXXX and XX/XX/XXXX, I had my credit checked and found that Capital One was reporting this auto account as severely delinquent. I went through the process of contacting them as well as making disputes with the credit bureaus in regards to this account and did not receive any information as to how to resolve these errors. One instance when I called Capital One, I spoke to 5 different people, and each gave a different story, however no one has ever sent me any information to validate this account. I have been reaching out to them and to the credit bureaus for over 2 years now, writing letter after letter of disputes, deletions, and even letters of validation and to no avail, I do not receive anything in return. My last round of correspondences that I sent out again to Capital One and to the credit bureaus was in XXXX and I have yet to receive a response again. I 've exhausted going through credit resolution services, etc. trying to get this account removed from my credit report as it is being reported inaccurately. The car was originally purchased for about {$12000.00} and Capital One is reporting this car now as a Charge Off/Repossession for {$10000.00} as of my current credit report that was pulled on XX/XX/XXXX. Whether the car was traded in for the full balance owed and then resold, I am not obligated to this debt any longer as the car is not in my possession and was transferred correctly. I am at my wits end as these errors have negatively impacted my credit abilities for several years and I do n't know what else to do in resolving this situation. I do n't believe that it is fair to me to have to make a possible settlement on a debt that I 'm not responsible for and would like if this account is removed in its entirety from my credit reporting
Consumer complaint received 2023-03-31
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)

I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from XXXX. I pulled up the documents from XXXX to make sure all information you were reporting was correct. It appears you did not get your information from XXXX. I have also included information from XXXX that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : XXXX XXXX you have listed is XXXX but it was not filed in XXXX XXXX. XXXX XXXX on the XXXX report is XXXX. 
The court name you have listed is Texas XXXX but XXXX is not the name of the court the bankruptcy was filed in. The court name on XXXX  is UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF TEXAS. 

According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my Lexis Nexis consumer file. I have reported this several times but nothing has changed. 

I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TN)

I inadvertently used the wrong card for a quick transaction from one of my multiple business accounts with Trust Bank, leading to a minor oversight on my part. The transaction amounted to {$5.00}, resulting in an overdraft of approximately {$3.00} in my checking account. However, without prior notice, Truist Bank imposed a hefty {$36.00} overdraft fee. Surprisingly, I only became aware of this fee the following day, without any prior notification regarding the overdrawn status of my account. 

Upon contacting the business care department, I was informed that they couldn't refund the fee because the transaction was {$5.00} or more. This policy was enforced despite my history of never requesting an overdraft on the account before. This experience has led me to caution others about the banking practices of Truist. Is it reasonable to charge {$36.00} for a {$3.00} overdraft? This incident highlights the questionable practices of this bank.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX i purchased a prescription from XXXX XXXX was charged twice on cc. I diputed and was given credit, then a month later I get rebilled {$41.00} WITHOUT EXPLANATION and hope that I would not see it buried among my charges Vert surreptious and cunniving!
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

A few months ago I was offered XXXXmembership rewards bonus points to keep my Amex Platinum card open for another year, for {$590.00}, and I accepted the offer. 

But since then, for several weeks, my membership account has been unnecessarily frozen for review. 

It is deceptive to make me pay a hefty annual fee for membership rewards points, but then freeze the account for an endless review so that I can't really use the points.
Consumer complaint received 2021-06-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (MN)

1 ) I was recommended to PRMG as a preferred lender for XXXX XXXX who did a LOT of loans and understood the new construction loan process. XXXX XXXX XXXX XXXX recommended XXXX XXXX to me. Based off XXXX XXXX recommendation, I chose to work with PRMG. The only written proof I have is the email sent XXXX XXXX from XXXX XXXX thanking XXXX for recommending " we '' work with him. 

2 ) Every loan has issues to overcome and is unique, so we did not have any " major '' issues until we closed on the construction loan and property. PRMG subcontracted a second bank XXXX to provide the construction loan, this is when my 3 problems occurred. 

a ) I learned that there would be a second closing cost on my new build because of the construction loan. I learned this in an email on XXXX XX/XX/XXXX, approximately 3 days before the first attempt at closing. The total amount of the closing cost was {$8300.00}. I understand that a 2nd closing cost is not unusual but would expect two sets of closing cost be something that is reviewed by your banker some time prior to the week of closing. Ultimately not all the paperwork was complete and we closed the following XXXX  XXXX XXXX. 
b ) After the signing on XXXX  XX/XX/XXXX I was called by my XXXX XXXX XXXX and PRMG agent in a combined call. My XXXX XXXX XXXX explained to me that the terms of the construction loan where incompatible with the way he does business ( the phased payouts of the loans paid out at the end of a construction build phase, and not at the beginning of the phase so the builder couldn't buy the material, and he was incapable of acting as a bank ). The Builder also informed me that our home package had increased {$36000.00} due to the price increase of lumber. If I wanted to continue with the build, I would have to get a new construction loan that met his construction build criteria. This was regardless of weather I paid the lumber inflationary cost from my family savings or not ( and I WOULD have paid the price increase from my savings! ). In this conversation, my PRMG agent XXXX offered to help me by giving me my Homes Appraisal and look into recovering my closing costs. 
c ) I received my New Home Construction appraisal on Tuesday XXXX XXXX. I am now working with a new bank who informed me that under law I need to be given my appraisal 3 days prior to title closing to review it and determine if I want to continue through with the loan. So I am disappointed to find this out as well. 

Since this incident I emailed my agent XXXX XXXX asking about the status of recovering my closing cost on the incompatible construction loan that he negotiated, on XXXX XX/XX/XXXX. I have not received a response. 

I do not know who XXXX XXXXXXXX XXXX boss is. Since he is an area manager, so I emailed the PRMG site at XXXX XXXX XXXX 

I have not recieved a response.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (GA)

I have been barred from the control to to pay this company for years unless I went to an military installation to pay them. Due to my line of work which keeps me on the road my payment dates have been late XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Constantly going on a military post to make payments is never convenient. I called, mailed and ask them to fix this. This also had made my score go down with my payment history and has caused me to be in a position where I am not able to get a position or the loan I need because of they way it looks with this company payment history. All because they will not allow me to pay by electronic method buy forcing me to go out my way to the military installation to pay my bill when I can do it by online payment.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I REQUESTED FROM EXPERIAN TO PERMANENTLY REMOVEINCORRECT DOB:XX/XX/XXXX ON MY CREDIT FILE AND INQUIRIESREPORTED BY XXXX ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX & XX/XX/XXXX, AS IT WAS UNAUTHORIZED INQUIRIES.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

MyAccount at Bank of America and or my debit card was charged fraudulently for costs associated with the rental covered under Massachusetts XXXX XXXX as XXXX a XXXX insurer for the at fault accident, for which XXXX admitted fault. Further, charges were allowed that were fraudulent charged by XXXX that I paid throughy Fast Lane Toll which is provided as attachments
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).