davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Citi Payment Investigations XXXX XXXX XXXX XXXX XXXX, SD XXXX To whom it may concern, XX/XX/24 After very poor customer service I was very upset and may have used language that upset the person who was offending me. I am very sorry I did this and it is not my nature. But your agent gave me a very hard time. So now your company wont talk to me. 
I canceled the credit card years ago and thought I had paid in full. As in you have never sent me a bill?? 
I recently checked my credit score and found a charge for about {$140.00}. I sent you a check for {$150.00} to cover any amount that may come up.

I am enclosing your response requesting my account number. It says they need my account number and I havent had it for years.

Maybe this information can help you ; My name is XXXX XXXX XXXX or I may be XXXX XXXX. 
Phone # XXXX XXXX XXXX Cell Old land line XXXX XXXX Current land line XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, CA XXXX when I had this account the address before that was XXXX XXXX XXXX XXXX XXXX, CA XXXX I have someone on the phone now and they are trying to help me. Thank XXXX. He is saying my account is old and they cant pull up how much I owe. But he was able to find it. 
You have all of my information here. Please pull up my account and let me know how much I owe so I can end this torture. 
Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-05
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. (AL)

So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been XXXX a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Consumer complaint received 2023-01-26
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

This is in response to a previously " resolved '' claim. The claim number is XXXX. As a result of this complaint, Carrington Mortgage Services agreed to redact or suppress all credit reporting and remove late charges for the dates XX/XX/XXXX through XX/XX/XXXX. They did suppress credit reporting, but have refused to remove the late charges, even after I have continuously called and complained. This mortgage company has given me nothing but trouble regarding any issue I've had, and the late fees have still been piling up and attached to my account. I am seeking to have them removed, and at this point, I think the only way I can get this done is by filing an additional claim. I have attached the document in which this is explained.
Consumer complaint received 2017-12-03
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: AMERICAN EXPRESS COMPANY (NJ)

I have an American Express card ( cardholder for about 35 years ) and it has 3 cards attached to it. 
One of the card holders ( Card # 3 ), I noticed charges from an XXXX-related internet service from the State of Washington, in the amount of {$14.00} for several months. 
The card holder denied ordering this service ( I know they would never use such a service ), and they called XXXX to inquire/cancel the charge. 
The charge - despite being cancelled/disputed - continued to hit Card # 3 's American Express card. So I did the next best thing. I cancelled the XXXX card # 3. 
Today, I saw this totally bogus charge of {$14.00} hit my OWN card ( Card # 1 ). 
IMHO this can only happen if this is an inside operation between XXXX and XXXX. 
Here is the bogus charge which hits every XX/XX/XXXX of the month : XXXX XXXX XXXX {$14.00} State of Washington.
Consumer complaint received 2024-10-14
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. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VT)

I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX  and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.
Consumer complaint received 2024-03-11
Product: Debt collection — Mortgage debt
Issue: Electronic communications — Frequent or repeated messages
Company: Quality Loan Service Corporation (WA)

I am an escrow officer in the state of Washington and I have been trying to obtain a payoff statement from Quality Loan Service Corporation of Washington for over a week now to stop the foreclosure of a property I am facilitating the sale of. I originally requested the payoff on Monday XX/XX/XXXX. I called Quality Loan on Tuesday XX/XX/XXXX at ( XXXX ) XXXX and was told they never received my payoff request. I have 5 emails showing that I sent them all of the proper paperwork/authorization/request, but I went ahead and sent it again. They finally were able to tell me that they received my request on Tuesday XXXX. I was told I would receive the payoff on Wednesday the XXXX or Thursday the XXXX at the absolute latest. Thursday I called to check on it again as this is a very rush closing, and I hadn't received the payoff like I was told I would, and I was transferred to the attorney who was handling it. He told me I needed to send an email directly to him and he would get the payoff to me within the hour. His name is XXXX XXXX and his email is XXXX. I sent him the email with all pertinent information like he requested. It is now Monday the XXXX at XXXX, and I still have not received the payoff and nobody is answering my phone calls or emails. I have emailed XXXX, XXXX, and XXXX multiple times asking for an update or an XXXX. I have called Quality Loan Service and left 2 voicemails today, the XXXX. No one is returning my phone calls or responding to my emails. The borrower on the loan is deceased and we are working with the deceased 's court-appointed personal representative, so she really does not have much information about this loan, but I asked that she call in to see if she could speed things along but she was told " We do not have an authorization for you on file so we can not speak with you about this loan '' - I have sent Quality Loan the Letters of Testamentary approved by the courts showing she is the authorized personal representative of the Estate numerous times along with her signed authorization and the deceased party 's death certificate. Quality Loan told me last Thursday that they did receive all of the documentation so I am not sure why the personal representative is getting told they aren't allowed to speak with her. I am not sure what the hold up is but Quality Loan is preventing a closing that will stop the foreclosure from happening. I understand generating a payoff statement takes time, especially for a property that is up against a foreclosure, but I keep getting told unrealistic timelines and now I can't get ahold of anybody that can give me a straight answer. All I am looking for is a payoff statement, or at least a solid XXXX on when I can expect it the payoff statement to be sent to me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (CA)

I do not remember applying with this creditor. 
On XX/XX/XXXX  I requested that you provide me documentation of your authority to review my credit. 
On XX/XX/2024 you asked for my private information : SSN and an inquiry date. You have not provided me with any information that I have requested.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I received an advertisement via email that new Chase customers could get {$300.00} for opening a new Chase Total Checking account with the set up direct deposit, and an additional {$200.00} for new Chase savings customers who open a Chase Savings account, and deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days. I careful read all of the disclosures and was sure to follow all steps correctly to be eligible for both offers to receive the combined {$500.00} offer. I opened my accounts online on Chase 's website on XX/XX/XXXX. To date ( XX/XX/XXXX ) I still have not received either offer, despite numerous attempts to work with Chase employees to resolve this. ( On XX/XX/XXXX I deposited {$20000.00} into the savings account, well within the 20 business days of account opening. ) When I contacted Chase at the  end of XXXX to discuss my concern. I called the customer service line and spoke with a supervisor. He informed me there was nothing he could do without the coupon code. I explained I do not have the coupon code ( at the time ) and the call ended. I later found the coupon code and called back. During this call a lady informed me that regardless of having the coupon code there was nothing that could be done to investigate/resolve this. She then told me the reason I did not receive the bonus offers for opening either account is because I did not enter the coupon code at the time I opened the account online. That was the only reason I did not receive the bonus amounts. 

During the online account opening process Chase 's website stated " If you open the account online, your coupon code will be automatically applied ''. Furthermore, the email I received ( will be attached for reference ) specifically states, " Your coupon code will be automatically applied. Account ( s ) subject to approval. '' As a result, two sources confirmed that the coupon code would be automatically applied, therefore I don't recall entering the coupon, because it was being added automatically for me. 

I am very frustrated with my Chase experience and the lack of payment of these bonus offers I rightfully earned. After phone customer service supervisors told me there was nothing they could do I contacted local branch management. They advised me to contact the phone customer service and said they could not help me. I am very upset about this entire experience. I want to be compensated {$500.00} to cover the {$200.00} and {$300.00} offers I should have earned. I followed all of the terms and disclosures correctly. Please investigate this matter and contact me back. Thank you
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, I applied a payment of {$5000.00} dollars to my Capitail One XXXX card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. 

Best Regards, XXXX XXXX
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved in a timely manner.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VT)

Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s )  and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's  refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX  2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.
Consumer complaint received 2021-10-05
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. (MD)

These credit bureaus have not updated my report in a timely manner. Its been a couple of months since my first initial dispute with them. They are failing to resolve these issues and errors im having on my credit report.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NJ)

I've made several attempts to resolve a medical debt on my credit report that was opened on XX/XX/2018 by COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$780.00} which is clearly incorrect and an error that's lowering my credit score is creditor that's threatening me about taking action. They undermine me and  bully with scare tactics they scream over the phone refuse to give me the name and address of the original creditor. I was eventually able to find out what the original creditors name was which is XXXX XXXX XXXX i contacted them and they had no information whatsoever about a medical debt i currently owe or was sold to another creditor agency.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/21, my wallet, along with two credit cards from Chase were stolen out of my vehicle. When I found out the next morning due to receiving fraud texts on my phone, I immediately called Chase. At first, I thought I was still in possession of the cards, but after the call, I realized it was stolen out of my car. I reported this to Chase and they investigated.

Chase eventually said " I benefited from this transaction '' even though I did not make these charges. I provided supporting documents ( paperwork showing I replaced my drivers license ) and Chase again concluded I'm responsible for the charges.

The card was a Visa which offers {$0.00} liability on unauthorized charges. Not to mention, federal law states that the maximum I can be liable for is {$50.00}. 

XXXX XXXX {$510.00} XXXX XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX {$29.00} XXXX  XXXX {$720.00} Total : {$1300.00} This exceeds the advertised {$0.00} liability on unauthorized charges. 
Chase refuses to accept my claim and has rebilled my account. I've been forced to pay for charges I did not male.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I talk to some XXXX today at XXXX pm from the fraud department the lady name was XXXX XXXX XXXX I was trying to dispute some fraudulent Inquiries I let XXXX XXXX XXXX know my Inquiries I did not authorize and I let him know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. He was not helpful at all and have bad Customer Service My problem was not resolved. Here are the Inquiries need to be remove Inquiry details XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX 2020
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

Back in XXXX we went to court and a judgement was placed upon us for approximately {$2300.00}, by an apartment complex. They kept our deposits, and then we never heard from them. I reached out to the credit bureau, and filed a dispute, because we were wanting to move, and this was on our credit reports, holding us back. The amount was much higher than the judgement : about {$6700.00}. I don't believe we owe that much. When I disputed it, they changed the balance to the {$5000.00} range. I had the remarks about the dispute removed from the credit report, because we were trying to purchase a home, but they put it back on the credit reports.