davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

On XX/XX/2017 i opened a CitiGold Savings account which i was promised IN WRITING a 1 % interest rate for 3 months and a {$500.00} cash bonus after 90 days ; the {$500.00} bonus can not be located according to CitiGold Customer Service! 

i called the : Citigold Realtionship Manager at my branch ( a XXXX XXXX @ # XXXX XXXX XXXX ) ; the branch manager , XXXX XXXX @ # XXXX XXXX XXXX is on vacation XXXX claims she put forth an investigation, twice, yielding the same answer : there is no record of any {$500.00} bonus!! 
Compounding matters and unbelievably, i was informed XXXX put in the investigation- request to my checking account ( and not my savings account ) erroneously (?? ) Please help me get the {$500.00} due to me ; i am also requestiong an additional {$2000.00} for my work time lost and my extreme stress dedicated to trying to fix the problem entirely created and continually perpetuated by Citibank thank you very much XXXX XXXX
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

WHY : a. I opened a checking account with XXXX around the beginning of XX/XX/XXXX and transferred {$25000.00} from my Chase Checking Account to the newly opened XXXX Checking account. It was sent from Chase on XX/XX/XXXX and received by XXXX on XX/XX/XXXX. 

b. This {$25000.00} that was transferred to XXXX from Chase was later returned to Chase on XX/XX/XXXX, but in this process I am missing {$9700.00}. 

2. WHAT HAPPENED : a. I had made some transfers into my Chase Checking Account from my XXXX XXXX  XXXX in preparation to fund it which went through initially. So, I had enough funds to make that {$25000.00} transfer from my Chase Checking Account into the newly opened XXXX Checking Account. The problem is the transfers from XXXX were later rejected by Chase and returned to XXXX. However, the {$25000.00} transfer from Chase to XXXX had already gone through. This led me to have a negative {$15000.00} balance on my Chase account and this is also when Chase closed my account and restricted my access, saying they would reach out to tell me how to fix my negative balance. 

b. Chase never reached out. However, when dealing with a situation with XXXX ( OCC case # XXXX ) I found out that XXXX had returned the {$25000.00} transfer to Chase on XX/XX/XXXX. In XXXX response to my OCC case, XXXX said they returned the {$25000.00}. 

c. The problem is after this {$25000.00} was returned to Chase the negative balance in my account was corrected to {$0.00}. This didnt seem to add up as when the account closed my balance was at - {$15000.00} so the return of {$25000.00} should have brought the balance back to what it was before that {$25000.00} transfer went to XXXX from Chase which was {$9700.00} d. I went to a Chase Branch on XX/XX/XXXX but was told that they couldnt assist me and that I would need to call Chase because they had no information on the matter. I tried calling Chase multiple times, but whenever I would ask where this missing {$9700.00} was, I was either put on hold for hours or just hung up on. 

Please let me know if there are any additional documents you require or questions that you have. I am eager to provide them and solve this situation as Ive been very worried. Thank you very much.
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I called experian because they listed themselves as the reporting agency for bankruptcy on my credit after I disputed the fact that before they had the United States bankruptcy court as the reporting agency so I went to the bankruptcy court and they supplied me with a letter to experian that they do not report bankruptcy to the credit reporting agencies and they were In violation of the fair credit reporting act section 111 ( a ) ( 1 ) ( A ) because this was not my bankruptcy. I called the agency in witch they transferred me to a disput agent I informed him of my situation and he did see that I didnt even have anything on my credit to file a bankruptcy and this was a fraud situation he told me to hold then returned to the line I told him that since they are now listing themselves as the reporting agency that I would need the proof and documentation baring my signature to verify and this is now being recorded so I could further discuss with my attorney handling several fraudulent things done by my ex husband because hes the only person I know that has had my information in the past and has filed bankruptcy which had nothing to do with me but before I got a chance to inquire anything about their dispute he immediately hung up on me after I spent over 3 hours on hold because XXXX XXXX has deleted this so Im not sure why no other agency is willing to do a proper investigation supply me with documentation for the reason this is on my credit or if they dont have documentation do the proper thing and remove it. Secondly Why would a professional credit dispute investigator refuse to give me information my attorney sent them a written letter requesting it because it is my right to have the information because the bankruptcy court they claimed supplied them with the information doesnt have it and they just flat out hang up on me just because I let them know our conversation is going to be recorded if they are doing what is right then whats the issue??? I dont want to purchase their services so they want to mis report information now all the sudden that has been the same for years because I have questions about whats on my report?
Consumer complaint received 2021-10-08
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 — Their investigation did not fix an error on your report
Company: Self Financial Inc. (OK)

I am requesting XXXX substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a credit balance on my Bank of America ( BofA ) credit card ending XXXX in XX/XX/2021 and BofA representative told they would transfer XXXX of credit on the credit card to my checking account ending XXXX at that time. However, they sent XXXX of credit back the original payment account instead of my checking account without my authorization. The original payment account was closed ( from the bill pay service ), which I am not able to access. Now I have XXXX $ of credit in my credit card and I dont know where my credit is. I have contacted BofA serval times and spent hours in requesting the credit back to my credit card account XXXX in XXXX and XXXX. I have not received any progress and update to date yet. Therefore, I request BofA correct the error they made and return my credit into my credit card account.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX support tech scammed me into XXXX money to them. In the amount of {$3400.00}. There were 9 different XXXX transactions from account taken. Money was withdrawn that I did have available. I only had around {$400.00} and BOA gave them {$3500.00}. I got a letter from that my claim was denied because I author transactions. Wouldnt there be a red flag that there was no money in my account to keep in withdrawn if. Please help to get my account credited. My like is on pause for money that I did have but owe! How is this possible? There has to be a better system.
Consumer complaint received 2023-06-03
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: Navient Solutions, LLC. (IL)

I recently reviewed my consumer credit reports and noticed that I have two accounts with Navient that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late.

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

I took out a debt consolidation loan at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on Saturday, XX/XX/. A check from my credit union for the amount of {$9500.00} along with a copy of my Barclay 's bill attached to it was mailed to Barclays on Monday, XX/XX/. The check cleared my credit union 's account on XX/XX/. 

When time had passed and I had not heard back from Barclay 's regarding subtracting the money off my balance, I contacted Barclay 's and they began an " investigation '' into the lost check. I was told they needed a copy of the check, so I made an appointment with my XXXX XXXX and sat down and called Barclay 's with the loan officer present. The loan officer sent everything asked for. 

I think I received an email asking for the same info my XXXX XXXX had already sent, so I disregarded it, assuming it was in error. On XX/XX/, Barclay 's added the provisional credit they had given me back onto my balance. I received an email that said I owed them a $ XXXX payment, so I called immediately. 

I spoke with XXXX XXXX did not get number ), and then her manager, XXXX ( XXXX ). They basically told me it was put back on my account because I did not follow through with sending them the front and back of the check copy. So I have to make an appointment with my XXXX XXXX again to get this taken care of yet again. ( My credit union loan officer said they have had issues with Barclays before exactly like this. ) Here 's what I think is going on : Barclays has had close to {$10000.00} from my XXXX XXXX since XX/XX/. They have been earning interest on this from whatever account that money was put into ( certainly not my account... but a general pot. ) So is this is a scheme to make money off interest while sticking their customers and giving them the run around? I don't know, but I know it can not be that hard to track a {$9500.00} check when given a certain string of dates along with the routing n umber it came from and the check number. 

I may never get all this interest they've placed on me back either.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Titanium Funds (UT)

Titanium Funds have reported my vehicle as paid off as of XX/XX/2022, this has negatively impacted my credit score as all of my on-time payments have not been recorded since XX/XX/2022.
Consumer complaint received 2022-07-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Violation of the FCRA Transactions is excluded from a consumer report Account number : XXXX XXXX The following U.S . Codes were violated against me : 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) 15 U.S. Code 1681n ( b ) 15 U.S. Code 1681i ( 6 ) I demand the late payment statuses be removed and account remain closed with PAID status updated.
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

its been a long way trying to fix this problem with this people but all they did made me lose my money and waste my time.Firstly On XX/XX/XXXX they received a check from XXXX XXXX dealer about a gap cancellation .insteed that money go to the principal they took that as a payment. charging interest .we claim for that but that was worse when they fixed they changed the payment day as I have not made payment for the last month charging me high interest .I called them on XX/XX/XXXX th because they send rowng stayment and were charging me XXXX dollars of interest they told me that was rowng and all is going to be ok todat after payment they took everything of interest and say the same of always leave a claim and wait for at least three days and again and again
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am refiling this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are still reporting on my credit report and no further actions have been taken. For the account of XXXX XXXX, I paid before the due dates last XXXX XXXX XXXX XXXX XXXX  and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received. For the account of this account is now XXXX XXXX being handled by the XXXX XXXX XXXX XXXX With that being said, I am not liable for any payments on this account or to any double payments
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I saw a fee on my credit card for XXXX from XXXX. I signed up for a free trial period using my maiden name, The Chase credit card that I gave XXXX had my married name. The charge went through even though the name submitted to XXXX was different from the name on the credit card. I spoke to XXXX and they reversed the charge, however when I called up Chase I was told that they will honor credit card purchases even if the name submitted is different than the name on the credit card .... ( What? ). 

At that point I decided I would probably close the account so I monitored it just to make sure there were no outstanding balances. On XX/XX/XXXX I had paid off a XXXX balance and on XX/XX/XXXX the last remaining purchase of XXXX. My payment was typically due on the XXXX of each month and I went online continually to check on the XXXX balance as I was planning on closing out the account at the end of month. On XX/XX/XXXX ( after the billing cycle ), I was charged XXXX. When I called to find out what is was, I was told it was an interest charge from the previous month ... .even though I paid the card in full almost 3 weeks prior to this charge. I was a banker for many years and there is no such thing as a finance interest credit card charge on a XXXX balance.
Consumer complaint received 2022-07-17
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: CITIBANK, N.A. (TX)

There's a Macy 's credit card on my account that was paid and closed on XXXX. However Macy 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the Macy 's account to report the accurate closed date on my XXXX and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.
Consumer complaint received 2022-07-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

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 1692C Without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive continued to raise concern with XXXX reporting of XXXX old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off
Consumer complaint received 2021-02-05
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: CURO Intermediate Holdings (TX)

Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my XXXX  report. Now on my XXXX report it says I was late 2 times and they not the same months as XXXX report also trans union is reporting different months also