davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (CA)

On XX/XX/2020 XXXX, ( I ) transacted an online sale involving, " XXXX '' and utilized my " XXXX credit card account '' ( " XXXX '' XXXX to pay for the transaction. 

Two charges were applied to XXXX, first charge for {$98.00} and second charge for {$49.00}. Merchant failed to fulfill order and order was cancelled. Even though order was cancelled XXXX failed to refund charges to XXXX for both charges. 

Concomitantly, I opened a dispute for both charges through XXXX XXXX XXXX case # XXXX, {$49.00} and case # XXXX, {$98.00} ). I provided adequate details for my dispute and provided documentation in support of my dispute. However, XXXX initiated a credit for only one of two charges. 

Therefore, I am asking XXXX to initiate credit for both charges and credit the {$49.00} with {$98.00}, since charges are conterminously together.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC (CA)

I have been a victim of identity theft, and the company is trying to hold me responsible for this debt. XX/XX/XXXXXXXX   I learned that a company by the name of MOSAIC called me requesting a payment, and in XX/XX/XXXXXXXX  I received a bill from this company that's when I learned that I had been a victim of identity theft. 

After researching this company I learned that they offer loans to people for home repairs. I do not own a home, and the home I live in is my boyfriends. 

I wrote to this company and explained I had been a victim of identity theft, and the debt does not belong to me. Furthermore, my income would not have supported a loan of that amount. As I receive social security and I'm a XXXX  citizen.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I opened a new checking acct at Chase Bank located at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. On XX/XX/XXXX, I made two check deposits via mobile app to my Chase checking account. One was a cashiers check in the amt of {$2300.00} from XXXX XXXX XXXX XXXX XXXX and the other was a personal check from XXXX XXXX in the amt of {$1200.00}. A few days later, I noticed a message on my Chase checking acct indicating these funds would not be available until XX/XX/XXXX. I called the Chase branch at XXXXXXXX XXXX XXXXXXXX XXXX to inquire about the unusual delay in accessing my funds. The teller by the name of XXXX saw that my checking account was marked as 'restricted ' but was unclear as to why this was happening. I've since made several calls to the XXXX XXXX / Account Closures call center for Chase and visited numerous Chase branches to try to resolve this issue. By XX/XX/XXXX, I learned my Chase checking account had been closed. On XX/XX/XXXX, a banker at the Chase branch located at XXXX XXXX XXXX in XXXX XXXXXXXX, CA informed me that my funds have been mailed to me and would arrive shortly via USPS. By XX/XX/XXXX, I was still missing {$3500.00} and again reached out to the bankers at XXXXXXXX XXXX XXXXXXXX XXXX, where I initially opened my account. After countless hours on the phone and speaking to Chase bankers in person, I finally received a check for {$2300.00} on XX/XX/XXXX. After filing a complaint w/ the Office of the Comptroller of the Currency , I also received a call from the Chase executive office. As of today, XX/XX/XXXX, I am still missing {$1200.00} and the Chase executive I last spoke to said the {$1200.00} was still 'processing '. There has been no explanation for the extreme delay in verifying the two checks or the account closure or the delay in returning my money to me. There has been no recognition of the hardship one faces when missing thousands of dollars.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

The company called and hung up several times. They are trying to collect a debt that I do not owe. I paid the out-of-pocket max fro my insurance that year and all other debt is owed by the insurance. The company will not listen and have added my disputed account to collections harming my credit rating.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted experian on Tuesday XX/XX/XXXX 2017. Regarding incorrect information on my credit report and was told they could not remove address that were not mine nor names. Experian credit file does not match the other 2 reporting agencies.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
Consumer complaint received 2017-08-13
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MD)

XXXX also has an account listed by CCS Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by CCS by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly.
Consumer complaint received 2024-02-27
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. (OH)

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 2024-02-27
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

I am trying to use my Barclay Aviator Master Card via XXXX  XXXX  to transfer money to my fiancee. However, the transfer was declined by XXXX XXXX and they refused to tell me what the issue was. After a lot of digging, it appears that Barclay declined/blocked the transaction and did not tell me about it for several hours. This is an emergency situation and need to get this done asap. 
i called Barclay and they said that it is standard procedure. I had already told them i was doing this, however it was still blocked. 

This issue has caused me a loss of 2.5 hours of pay due to having to leave work to get this done, but they don't care. They claim this is a security feature, however it is a huge inconvenience and i have asked repeatedly to intervene. It is NOT a customer security feature, but rather an internal loss prevention geared towards their own benefit which the customer just has to suffer with. 
any help is greatly appreciated.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

According to my recent XXXX credit report my XXXX account information has not been update to reflect my current payment status. This is unacceptable! I am working hard to create a better life for myself and would like all my payments to reflect my hard work. This error has probably caused points on my report!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

A closed account with XXXX is reporting with the balance of {$1000.00}. This account is outdated and shouldn't be reported it has been more than 7 years since the first delinquency.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$880.00} 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 ).
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

My loan was in foreclosure. I sold the house for more than I owed on the mortgage so my attorney obtained a payoff statement that was good through XX/XX/XXXX. We closed on the XX/XX/XXXX. My attorned wired the full payoff amount of {$400000.00} on XX/XX/XXXX. On XX/XX/XXXX the buyer paid the school taxes. Rushmore also paid the school taxes on XX/XX/XXXX. At that point we were told by XXXX XXXX of Rushmore that I would be charged interest on the original amount of the loan until the money was returned to them from the Tax Collector. This process took a few weeks and we were notified in XX/XX/XXXX that we owed an additional {$2300.00} in interest. My attorney sent this money on XX/XX/XXXX via XXXX and it was verified that they received it on XX/XX/XXXX. Rushmore still has not recorded a discharge with the County Clerk 's office. I spoke with them today and they said that it should be done soon. It is my understanding that legally they are to record this within 30 days. My attorney is holding money in escrow until this happens and until that time I can not get my money from a closing that happened XX/XX/XXXX. In addition, I am out the {$2300.00} in interest they charged because the payoff amount was short the {$5500.00} that was definitely known to them before the payoff statement was given and not included in their payoff statement.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MO)

Sears Credit Cards is charging 21.99 % APR and this is excessive in light of todays interest rates. I pay between 14 % to 16 % on all my other credit cards and I think this is userous and predatory and unethical for them to be charging this much in interest. I pay {$53.00} per month in interest on a balance of only {$3300.00} so when I may a payment of {$100.00} which is greater than the minimum I still am paying over 50 % of the payment in interest, This is just unfair.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from Citibank.
Consumer complaint received 2018-11-30
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. (CO)

I was on XXXX to consolidate my bills. XXXX XXXX was one of the bills. It was closed and paid in full two years ago. It showed as a charge of not once but twice on Transunion two years after it was paid off. I have called several times, been called a liar and hung up on. I worked very hard to pay off my debts and was just getting back on my feet. It is wrong when credit reporting agencies supply in correct info and refuse to correct it.
Consumer complaint received 2017-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (TX)

Received an email on XX/XX/XXXX stating that I was approved for a {$400.00} loan and that my first payment was due on XX/XX/XXXX. I immediately called the company from the email by the name of XXXX XXXX and spoke to a lady customer service rep and explained to her that, I did not apply for a loan from this company ever and asked what personal information of mine they had on file. She did give me my correct information but all the information was very old. The employer they had listed, I havent work there since XXXX and the address they have on file, I moved from in XXXX. The phone numbers are very old and has not been in service for like 4 years. The bank account that was on file has been closed for about 4 years also. I explained to her that someone has to be using my old information. She stated that she would speak with her supervisor and request payment to be stop from going into that old bank account. On XXXX/XXXX/2017 I received another email stating that my payment was returned by my bank for non sufficient funds ( even though the first email said payment due by the XXXX ). I called once again and this time the lady stated they were working to resolve this matter and I have not recieved a response about the outcome. As of today I went to their website to see if that account was closed but its still showing active with late fees. This is fraud and stealing off my personal information they probably bought from an old company. The IP address XXXX XXXX showing at the time the loan was accepted does not match my IP address.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC. (UT)

I recently purchased a bunk bed from XXXX XXXX XXXX. After assembling the bed, I noticed there were a number of cracks in the wood. 

I contacted XXXX about the damaged bed, however, they advised me that I can not return the product since it was past 30 days. 

I contacted Ally Bank and opened a dispute and uploaded photos of the damaged bunk bed. 

It's been close to 45 days and the issue has not been resolved
Consumer complaint received 2022-02-03
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. (CA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted
Consumer complaint received 2022-07-20
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)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2024-02-27
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. (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. 

Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.