davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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: Continental Finance Company, LLC (PA)

I have been having issues using my new XXXX credit card through Continental FinancXXXX when it comes to purchases made through XXXX grocery. I first placed an order with XXXX grocery on XX/XX/XXXX of this year. The original charge amount was {$44.00}. It is not unusual for the actual charge to be a different amount than the initial pending charge, which was the case here. A few days after I picked up the order it was processed through for {$44.00}. However, the amount of {$44.00} remained on my recent activity list and took up available credit. I only had {$1.00} available. I contacted the company about this, and was told the pending would be taken off. I contacted them on, or shortly after XX/XX/XXXX, because I had just made a second purchase through XXXX grocery, not knowing that this was going to be an issue. 

The {$44.00} remained on my account for at least another week. When I checked my online account last evening, XX/XX/XXXX, that amount had been removed, and I had {$70.00} in available credit. I made two charges in the amounts of {$7.00}, and {$18.00}. 

When I checked this morning my second XXXX grocery order had processed through. As before with my first order, the original holding charge of {$66.00} is still there, as well as the adjusted charge of {$59.00}. My available credit is now negative {$14.00}. 

I called them this afternoon, XX/XX/XXXX, to ask if they could remove the pending {$66.00}, as it is basically the same charge as the second {$59.00}, and I need the available credit that pending charge is taking up. 

My call was forwarded to an account manager who, no matter what I said told me that {$66.00} had been taken off of my account, and my account being over the limit was because of the two small charges I had made that were still pending. I had {$70.00} available credit with the {$66.00} charge on my account, and of course {$59.00} is a lesser amount by {$10.00}. So basically this account manager was swearing up and down that {$7.00} and {$18.00} pending was taking up about {$94.00} worth of available credit.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (LA)

Called Discover and spoke to a business credit specialist that informed me that when my applying for a business credit card account that my personal credit report would not be pulled. After applying and being declined, my personal credit report has an inquiry that otherwise, I would not have applied for. Was told that I was declined due to, 'too many revolving accounts with high balances ''. I was just approved for a Discover IT personal credit card account less than three weeks ago. Why wasn't this an issue at that time?
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My personal information was stolen in XXXX of 2022 since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX BANK : XX/XX/2022 XXXX XXXX BANK : XX/XX/2022 XXXX XXXX XXXX  : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX BANK XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX SERVICES : XX/XX/2022 XXXX - XXXX SERVICES : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, 2022 XXXX - XXXX SERVICES : XXXX XXXX, 2022 XXXX : XX/XX/2022 XXXX 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 an account without my hand written instructions.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I made a hotel reservation using XXXX XXXX website for a room at XXXX XXXX XXXX XXXX in XXXX Oregon on XXXX XX/XX/2021. The price shown to me was {$130.00}. 
I stayed at this hotel on XX/XX/XXXX and checked out on XX/XX/XXXX. At the time of checking out, I was given the option to pay which I did. 
Then I noticed 2 charges on my credit card. One from XXXX XXXX for {$130.00} and one from XXXX XXXX XXXX TX for {$190.00}. 
I contacted XXXX XXXX hotel in XXXX, and they said it has to be fixed by head office. 
I contacted head office and they said it has nothing to do with them and must be fixed by the hotel itself. I tried reaching XXXX and could not talk to a live person. I entered a dispute with their website and they just ignored me. 
I disputed the charge with CITI which has issued my credit card and they dismissed my dispute. 
After a lot of back and forth with XXXX XXXX XXXX in XXXX, they refunded {$130.00} charge. 
I have not been able to get {$190.00} charge from XXXX down to {$130.00} that I had agreed to pay. 
The easiest way to prove that this is a fraud, is to check prices for this Hotel. A room with 2 Queen bed which I got even in high season is not {$190.00}. For XX/XX/XXXX, it was {$130.00}. 
It seems to me that XXXX XXXX XXXX XXXX in XXXX is a party to this fraud for double charging and over-charging. 
Nevertheless, I have been defrauded for the difference between agreed price ( {$130.00} ) and charged price ( {$190.00} ) and my efforts to sort this out through reaching the hotel, Citi and XXXX have been all unsuccessful.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 's XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information.
Consumer complaint received 2019-01-28
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: Experian Information Solutions Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( 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. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have never had an account with XXXX and this account showed up on my credit reports earlier this year. I have contacted XXXX and submitted all info requested and contacted the credit bureaus to remove this information and this has taken more than 90 days without resolve. 

I did not open this account and never used the services.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (GA)

XXXX, the rep who continuously calls and leaves multiple messages a day on my cell, work, and references phones is completely harassing me. Ive mentioned to him before Im unable to communicate during working hours and that I am also attempting to readjust due to other financial issues from mid last year. Personal information about my business with this company was given out to one of my references discussing my loan information that I did not advise was ok between representatives with this company which is a direct violation of my rights and as I understand it, gives me legal rights to pursue legal litigation due to this violation concerning disclosing my private information of the contract between this company and I. Due to the extraordinarily frequent contact, I have been professionally reprimanded on several occasions for the constant calling and messages. Furthermore, several friends and family members have advised they have asked for them to cease contacting them but theyve refused to do so. I also asked him on our last conversation not to call my employer due to this but yet he continues to call my extension almost daily.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

On XX/XX/XXXX I received an email on XX/XX/XXXX from the property the move out statement. I contacted the property and they had informed me I could do a payment plan. On XX/XX/XXXX I was contacted by the XXXX XXXX XXXX and notified we were in collections.I began going back and forth between companies to verify to whom I should be making payments to for the move out statement. The Debt Collectors stated it was they whom should be receiving the payments.On XX/XX/XXXX the property confirmed the Debt Collectors are the responsible party for payments.I have tried to make a payment plan and also advised them to send me correspondence multiple times to verify the debt. They have stated the debt has been in the account XX/XX/XXXX. I have tried to make a payment plan while also trying to make a debt settlement but without any documentation they have been very aggressive with having a payment up front to keep the account open before garnishing my wages. I believe this to be extremely uncomfortable and difficult. I still have NOT received any correspondence to confirm the debt. XX/XX/XXXX
Consumer complaint received 2021-03-26
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. (GA)

I am the cosigner for this loan, the original loan is with XXXX XXXX, XXXXXXXX XXXX is a debt collector and is reporting false information on my reports, the original signer had 6 extensions with XXXX, XXXXXXXX XXXX is saying that they are late payments - I have been trying to get this resolved for 6 years now - before I paid off the account for the original signer, I was told that the account will not affect my report because I am paying it off for her, and that the account will be noted as paid in full on the original debtor account and that there are no late payments. This account was then added to my report, XXXX then added late payments sometimes it shows up as 4 and sometimes it shows up as 6 late payments, this was not on the original signer report it was only on my report and I am the co-signer. I contacted XXXX the original creditor, they stated that the account should reflect what they have, and they show that the late payments are extensions. XXXX XXXX has damaged my credit I recently contacted crescent bank again I was told to wait for 20 years and they will remove this information from my report. I want this account removed from all my report immediately. Please contact XXXX for the correct documentation. Per XXXX please do an audit against XXXX and XXXXXXXX XXXX and remove the account imedisally from my report due to false information being reported.
Consumer complaint received 2020-07-06
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}
Consumer complaint received 2019-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I initially had my home loan with XXXX XXXX XXXX XXXX who never had any trouble assessing property tax. My loan is impounded so the tax should be collected each month. They did not require money from me at the end of the year and in fact I received an escrow check. When the loan was purchased by Penny Mac they could see what I paid in property tax. Last year they asked for money to cover a shortage and if I could not do this they would spread the amount over the next 12 months. This results in me paying more interest on a loan that will each year have a higher payment because they either can not figure out property tax or are purposely engaging in unethical business practices. I have spoken with them before about this as well as emailed them last year. I as a single consumer can not fight an unethical or incompetent company please advocate for me as I am on a fixed budget. My sole income is XXXX and this company infuriates me and causes me unneeded worry. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery did not stop calling me. Portfolio Recovery states they bought a debt from a creditor. I have no signed agreement contract with Portfolio Recovery. therefore I demand they remove the false information in my credit report by XX/XX/19 or I will seek legal action.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I received multiple prescreened offers from Citi Premier Card. The prescreened offer included " XXXX bonus ThankYou points after {$3000.00} in purchases in the first 3 months of account opening '' I was already planning a vacation so I applied online, and I received an email approval on XX/XX/2019. I received my cards and called to activate my cards, by phone, on XX/XX/2019. The recorded message from Citibank said the cards were activated and available for immediate use. 
I attempted to use the cards for a deposit on a vacation that same day and the transaction was rejected. I called Cit and spoke to several people including 2 managers. 
I was advised that my account was suspended pending additional verification. That this verification could only be completed by completing a form which was mailed out that same day ( XX/XX/2019 ) as I activated the cards. The representatives could not tell me what the form said or what it required, and they could not in anyway expiate its completion. As of now ( XX/XX/2019 ) I have not received the required form. 
In summary my complaint is that I was not notified by Citi that I could not use my card despite credit approval, and activation of my cards. This action by Citi appears to be indirect contradiction of section 7 of the Citi Credit Card Agreement which lists the six events under which Citi can suspend your account. 
The Six events are in summary : 1 ) failure to make minimum payment by due date. 
2 ) returned payment 3 ) bankruptcy 4 ) failure to honor agreement 5 ) default on any other card with Citi 6 ) incomptence or death
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these XXXX XXXX late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/XXXX
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft