davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (PA)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-12-11
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. (TN)

I submitted CFPB complaint XXXX regarding my phone number. Experian responded to the complaint and said they would update my phone number. Experian updated my report with the wrong number. In the original complaint referenced above I confirmed my correct phone number which is XXXX. Experian added XXXX.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I had a perfect history with Citi Bank for several years. I never missed a payment nor did I ever have a returned payment. The company says they closed my account due to a drop in my credit score. Never did anyone ask why, but I'm curious because my XXXX XXXX, XXXX XXXX XXXX, and various other store cards didn't close my accounts. I understand Citi closed my accounts due to their own terms, but they kept almost {$1900.00} of cash rewards they I fairly earned over the year. 

They canceled my cards because of a credit score drop and stole my legally earned credit rewards. I want my credit card rewards valued at almost {$1900.00}, this is a straight and simple theft.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2022, XXXX XXXX ( a subscription merchant ) charged my American Express card {$71.00}. I found this amount excessive as I had paid an amount around {$20.00} the year prior and do not recall being provided any documentation at any time indicating that the subscription would renew at this amount. I contacted the merchant on XX/XX/XXXX asking them to withdraw that charge. They refused. I then asked the merchant on the same date to provide me documentation showing that I had agreed to be charged the amount in question. They did not respond to my request. 

On XX/XX/2022, I opened a billing dispute with American Express. On XX/XX/2022, American Express closed the dispute indicating that they found the charge to be valid. They said that I can contact them via Chat within 30 days if I wanted to reopen the dispute. 

On XX/XX/2022, I opened an online chat with American Express and asked them to provide detail as to the extent of their inquiries on the matter. They indicated that they asked the merchant for a receipt and when one was provided, they deemed the charge valid. I indicated my dissatisfaction with that line of inquiry and requested that they ask the merchant to provide a contract indicating that I agreed to be charged the amount that I was. The agent said that he needed to collect some information to reopen the inquiry, and then asked me to provide information that was irrelevant or that I could not possibly provide. When I pointed this out, the agent stopped responding and the chat went no further. 

On XX/XX/2022, I opened another online chat with American Express and indicated that I wished to reopen the dispute. The agent said that they would escalate to a supervisor and I was asked to stay there for a supervisor. I received a message saying that the supervisor would be available in " about two minutes ''. I waited more than 10 minutes and nobody came to talk to me. I assumed that I was again being ignored as I had been on XX/XX/XXXX.
Consumer complaint received 2022-09-20
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 (TX)

I noticed in XXXX that there was 5 transactions that I've never authorized on my Bank of America checking account. There was 1 transaction each month since XXXX. The transactions appear to be paid for XXXX XXXX membership. The total amount of 5 transactions are {$77.00}. This is not my primary checking account and the amount is small. That's why I didn't notice these transaction until XXXX. 

As soon I noticed these authorized transactions, I called Bank of America to file a claim. Two months later, I received a secure message saying my claim is reject and they will reverse the temporary credit from my account. I called again asking why. They told me the believe these transaction are authorized by me because I reported very late and the amount is insignificant. So they rejected my claim based on their guesses, and they are basically calling me a liar. There was no use to talk more to them. I called XXXX afterwards, XXXX said if they can identify these transactions, they'd provide refund. But they need information to identify them. Yet, Bank of America refuse to give me the information needed and they refuse to work with XXXX from their end.
Consumer complaint received 2019-08-30
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. (NC)

I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies Transunion, XXXX and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the Transunion, XXXX  and XXXX remedy these errors
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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 2021-04-16
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. (UT)

Items in good standing keep falling off my credit report causing my credit score to drop significantly. Major financial is in good standing with {$5000.00} credit limit and XXXX  balance due
Consumer complaint received 2020-12-11
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. (IL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CONVERGENT OUTSOURCI - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

I received the email below- DO NOT KNOW PERSON CITED - AMOUNT DOES NOT SHOW UP IN MY CU ACCOUNT, COULD MY IDENTITY HAVE BEEN STOLEN???? 
Local police officer I spoke with ( about another scam wanting XXXX or they would sell all of my info ) said to never press links or call #, it was common threat against seniors- If any repeat or similar, to report it. Please help ... 

Address info would not copy- just said SUPPORT and my address. 

TEXT OF EMAIL Western union : Money transfer confirmed Thank You for using Western Union : Your money transfer now available for pickup -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TRANSACTION DETAILS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your tracking number { MTCN } XXXX PLEASE USE THIS NUMBER FOR ANY QUESTIONS. 

Transactions date XX/XX/2021 Receiver name : XXXX XXXX XXXX Address : XXXX, Payment method : debit card Amount sent : - $ XXXXUSD Transfer fee : - $ XXXX Total : - $ XXXXUSD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Exchange rate : XXXX Transfer XXXX Total final XXXX Issues with this transaction? If you haven't authorized this CALL US+XXXX Headquarters : XXXX, Colorado, United States Subsidiaries : Western Union International Services , LLC , MORE Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Media Relations XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
Consumer complaint received 2020-06-25
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. (LA)

XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

On XX/XX/XXXX, I noticed that a collection had been added to my credit report. It's for an emergency room visit on XX/XX/XXXX. I never received a bill from the hospital or noticed that I had a delinquent bill at all. After contacting the collection agency, Commonwealth financial ( XXXX XXXX XXXX XXXX, PA XXXX ) XXXX, requesting information on the account 's validity, I was told that multiple letters were mailed to me already. I never received a letter, phone call, or email from this company, so I filed a dispute through XXXX  on XX/XX/XXXX. XXXX  came to the conclusion the account was indeed valid. I contacted the collection agency once more to see what I could do to take care of it. I was told to either pay the full amount of {$760.00} or settle the debt for {$500.00}. I let it be known that it would be impossible to pay either amount for the simple fact that I lost my XXXX XXXX due to the Covid 19 pandemic and that I had already been waiting for weeks to receive unemployment. Then the customer representative hung up on me. Months go by ; now it's XX/XX/XXXX, 4 years and eleven months exactly since the emergency room visit. I find an app for XXXX XXXX Hospital, where the er visit took place in XXXX, TN. I was able to find my medical records from XX/XX/XXXX. Yes, I apparently was there, but that's all the provided informationno reason for the visit, not treatment, no medication, nothing. I was able to find the Doctor, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, I believe, are companies involved. They may even be the same. I mean, they have the same address. I looked him up, and I see that his office is permanently closed. I also see alarming reviews about him scamming patients by charging their bills within 90 days and not giving them the chance to dispute or even try to pay it. He sends them straight to collections, which seem to be scam companies. I didn't know what else to do so I decided to file a complaint. Please help in any way you can. Thank you so much for your time.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

InXX/XX/2019 my bank account was fraudulently charged {$700.00}. I contacted the bank and The Bank placed a temporary credit onto the account while they did the investigation. I attempted to close the account because there were multiple problems of people getting my card information and spending the money as I was closing the account they withdrew The credits and sent my bank account back- {$700.00}. I originally contacted them to try to figure out why the credits were placed back and why the account was still open even though I had closed it, and all they sent me was an account information sheet with all the charges that have been made and everything like that, it didnt help me at all didnt explain anything at all, and they said that there was nothing they could do for me Its been XXXX plus years. The balance is now down to {$190.00} that I supposedly owe them and I can not get in contact with them at all. This has caused me not being able to open new bank accounts.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, Experian, and XXXX  about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (TX)

To date, the following accounts still appear on my Experian credit report ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX. Inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX on XX/XX/XXXX. 

Pursuant 15USC A 1681 2A ( i ) a consumer report does not include ; Any report containing information solely as to transactions or experiences between the consumer and the person making the report. ( B XXXX Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

15 USC 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have requested proof of my written instructions a consumer to provide those companies with my information, and a signed and notarized affidavit of fact dispute each item. I have not received one.

I requested a copy of my credit file as described in 15USC 1681 ( g ) ; File means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I have not received it.

Pursuant to 15 USC 1681a ( q ) ( 3 ) Identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 

I filed the appropriate identity theft report indicating that my information had been released to companies without my permission and requested a block. The block was never provided.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (MA)

Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This is a pending complaint on SPS. 
Today, Tuesday, XX/XX/2020, I received more abundance of mail from Select Portfolio Servicing. This is the first time I was informed that SPS alleged not receiving XX/XX/2020 payment. I have provided six months of my bank statements reflecting payments to SPS. However, the check for XXXX that was mailed XX/XX/2020, has yet to clear my bank.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (FL)

I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA is refusing to close out a joint checking account that I have with my ex girlfriend listed as a secondary. There are no fees associated with the account, no automatic payments, no overdraft protection, no balance, and no recent activity on the account. The representatives have only given me the reason that they want to talk to her about " another bank matter ''. This stands in violation of the Depository Agreement. I have a chat transcript with a representative for USAA indicating that they are not willing to close the account on this basis and that the account has been cleared for closure in all other regards, " With my report made, and having qualified the account for closure. Was there anything else I may look into for you today, Mr . *****? ''