davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MO)

Western Union has put my money transfer on hold and asked me to provide more information which I did. I was told I will get answer after 2-3 days. Now ten days passed no answer. Talked to their service staff all I got is that it is in their compliance dept. to subject to approval. Same answer each time I called. I said I want my money back they said they ca n't do anything untill they hear back from the dept. Now I am totally exhausted. What a disappointing service they provide.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I made charges on the credit card, XXXX in this example, and I paid off the balance in full through a checking account with my financial institution namely XXXX Bank also known as XXXX Bank XXXX XXXX. I have the bank account statement that shows the payment was accepted because there is a debit in the amount of the charge in my checking account. Now, the credit card company namely XXXX has not credited the amount in the credit card account and they are leaving a balance with a payment due. I do not have a balance on the card and there is no payment due. I am a responsible citizen and I would sincerely appreciate attention to this matter.
Consumer complaint received 2023-07-28
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

This is an addendum to my previous complaint. I would like to add to it, I got a hold of the supervisor in the security department and was told that they moved forward to close my account even though the initial reason of the deposited check being flagged was cleared, they are gon na close it anyway and I have to wait 30-60 days for this to happen and to get the over XXXX out of my accounts! This is ludicrous and will affect my credit and has caused me great anxiety and stress for a week straight! They need to be held accountable for their actions Citibank account number XXXX
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-03-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called IC System, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score.

I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted IC System to investigate. However, they have been unable to provide me with sufficient information to validate the debt. 

According to XXXX XXXX, the fraudulent charge first appeared on XXXX and is supposedly collections for a direct tv account. I have never had XXXX XXXX and, during the time period in question ( since 2018 ), I have been living in a relative 's home and would not and could not have signed an agreement for XXXX XXXX. This is fraudulent and IC System knows it. 

I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. 

I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. 

As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

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
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax refuses to verify credit inquiries on my file Equifax states it 's a matter of factual data. How can Equifax make that claim if they are not investigating the issue, stating that if I feel the info is false contact the creditors directly The creditor reported the false info in error and Equifax, the bureau of public record keeping should feel obligated to make sure the info they are keeping is accurate
Consumer complaint received 2023-07-28
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: SYNCHRONY FINANCIAL (CA)

Regarding the update of case number XXXX : " YOUR COMPLAINT XXXX is a scam small company by claiming everything is free shipping and free return in 30 days on their front page to seduce customers to purchase items on their websites like those big companies XXXX  and XXXX and etc. I tried to cancel the items in 2 days when they are still in process they didn't allow me to cancel anymore and I went for return and then it suddenly showed up the return fee is going to be {$79.00} for drop off or {$83.00} for pick up. I called the customer service to refuse it they said there is no way I could refuse it I have to pay {$79.00} or {$83.00} for return. I tried to refuse it but the XXXX dropped the item off without my permit or signature. I called XXXX to refuse they told me there is no way I could refuse it I have to call the sender to pay them for refuse. I believe {$79.00} is the double shipping for both way I am being forced to pay double shipping to refuse the item I never signed it or accepted it. I called the PayPal credit card company for dispute they opened the file right away but didn't allow me to refuse the item I never opened it or signed it and didn't allow me to open a dispute on PayPal to refuse or return. Now I am forced to keep the unopened item and there is no way I could refuse or return without paying huge amount of shipping fee that XXXX trying to scam that is not in their description '' I was using PayPal credit synchrony bank for the purchase and filed a chargeback and they didn't allow me to file a dispute with PayPal for refusing or return. I don't want to hold the unwanted item that left at my door without my signature and I don't want to pay any shipping fee for refusal
Consumer complaint received 2023-07-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

Received promotion from Chase. 

Attempted to enroll and unable to enroll. 

Tried for two days and over 30 tries.

Reason indicates system is not available. 

Called customer service for resolution. They advised they are unable to help and resolve problem. 

Service is poor. Unable to enroll in targeted promotion.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and Equifax and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, because my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Consumer complaint received 2023-07-28
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer :
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (PR)

personal loan interest too high In XX/XX/2019 they sent me a loan offer from the Discover bank company, which I called to ask for information and I saw that it was reliable, I have a year and seven months paying and the loan does not go down. I wrote asking for an evaluation of the loan since I have a good payment history since we are going through a difficult situation and they only replied that they could not lower my rate. 

I would like to review the contract since I do not have a copy of it, to see the clauses of it. because they have not wanted to help me with this situation. 

Discover Bank XXXX
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have submitted several disputes about the current payment status of " XXXX or more past due '' on XXXX accounts with Equifax and they always come back as confirmed with creditor. The XXXX account was settled in 2012, and the XXXX XXXX XXXX account was transferred over a year ago. XXXX creditors say the status is incorrect but they can not change it. How can accounts be closed with zero balance and also be 120+ days past due at the same time?
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (NY)

It's rigged. I paid them enough for credit repair service. Had false debts removed even got a letter in the mail. Over time I realize they never had any options for dispute it takes for me to owe them XXXX $ for them to open up a dispute after charging multiple cards excessively ... Obviously I don't have it, why are you charging all my cards -_- then because you did not get the XXXX dollars you closed my account and BTW I don't owe them XXXX $ they never gave me money. The deal was pay XXXX $ to build credit .... They using false debts as ways to target my credit... Mind you my credit score was only going up XXXX to XXXX pts at a time -_- definitely violates fair credit reporting act. And they try to control the narrative because when they opened their dispute system is not like you can write what happened and their asking for personal documents you dont need to dispute a false report... I can just go to cfpb why would I send them my personal iD and I already know u trying to collect money? It's not like this business gave me anything... They gave me XXXX $ on the account which was for books ONLY and was paid off didn't even use the rest of the money... Then they ask me for XXXX $ for building credit ... Then they started getting greedy and taking avantage relying on the money. Then in return talking about they chaning atm fees like nah thats not the deal or what I signed off on. You can't do what u want without updating the contract and it's terms PERIOD.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (OH)

I tried disputing this last time but I received mail from CFPB so XXXX gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, XXXX, and equifax certified mail. This is messing with my lively hood.
Consumer complaint received 2023-08-18
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: HYUNDAI CAPITAL AMERICA (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, Transunion, and XXXX certified mail. This is messing with my lively hood.
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

My husband & I have a joint checking account. Our finances have been not so good in the past few years because I am not well and had to stop working. Our credit is so bad that we do not even qualify for any type of loans. Now comes my bank we do not have overdraft protection with them, or a credit card because our credit was so bad we were turned down. On XXXX XXXX my mother passed away, and my illness has been extremely bad this year with several visits to hospital emergency room. During this time my husband tried to releave some stress for me by taking over paying bills. He did make some mistakes because he may have overlooked a charge like a gym membership, but he was unaware that the bank would pay every check, reccuring charge, electronic payments, basicaly anyone who wanted to get money from us could. He just assumed if we had no money or a zero balance that it would be refused, returned then there would have been just a returned fee, and we would have been altered by the person trying to get payment. The bank feels that they have the right to choose who gets paid and what gets returned. They also charge me {$34.00}. for each transacion that they are choosing to pay when the account is overdrawn sometimes by as much as {$1700.00}. Now there is a limit to XXXX of these charges a day, but the bank is smarter then that so after the 3 days charges have been made they hold any other transactions as pennding so they do n't put them through untill the next day which enables them to charge another XXXX more {$34.00} fees. Now my husband thinking his pay, my pension, & XXXX. is going directly to bank it 's got to fix itself. But these charges have now caused a horrible affect. I totaled {$1700.00} in fees this year. We have no money to grocery shop today because my Pension went in bank and the took the whole thing .I went to The Branch on XXXX. Chase Bank I spoke to the Branch Manager XXXX XXXX she claimed that this was all our problem because once you make an electric payment to anyone then they now have access to your account, so we allowed this to happen. She also said why were n't you checking your statements when they came in mail, but I do n't get paper statements I we n't paperless at there urging .She refunded XXXX of the {$34.00} fees and said that was all that could be done. I then called the bank I spoke to a Man his name was XXXX XXXX, And I asked why would the bank exstend these loans to us without consent or request. Also why would they keep doing it when they could see by our history we never had this before in the many years we have been banking with them. He claimed it is up to their judgement whether to pay something when there is insufficent funds in account and that they will continue paying most items because he could tell by looking at my account that we have direct deposit for our income and as long as we do they know they will get paid.I feel this is wrong and that they have stolen my money and made hardship worse for me.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3400.00}