davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (MA)

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the date below XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX & 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 an account without my written instructions.
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2023-01-12
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-18
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. (FL)

On XX/XX/22 I issued a written dispute letter to EXPERIAN, about an unauthorized inquiry on my credit report. On XX/XX/22 EXPERIAN, implied that the reinvestigation was complete and the information was verified as accurate according to their own decision. I strongly believe that EXPERIAN is in violation of 15 USC 1681a ( e ) for not conducting the proper investigation. EXPERIAN is tarnishing my general reputation and good creditworthiness by allowing this unauthorized information to remain on my consumer credit report.
Consumer complaint received 2022-05-18
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. (PA)

In accordance with the fair credit XXXX, XXXX  and transunion 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 an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and XXXX XXXX from XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, Experian, and XXXX. I want XXXX XXXX XXXX XXXX, Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and XXXX XXXX to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XXXX
Consumer complaint received 2020-07-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My Mortgage lender was sold to Mr. Cooper, which is the worst lender in the world. They never call back or e-mail. 

I was in the middle of trying to refinance when the financial department just did not respond anymore to my request for an FHA streamline. 

I was first told that I could not do it, that Mr. Cooper did not do that, so I told the agent then let see about going to another company who could help me. One agent named XXXX XXXX got back on the line and was so happy to help me and talked my ear off about getting what I needed done, Well I am here to tell you it never happen. COVID 19 HIT AND I was stuck with a payment that I cant afford {$2500.00}. I feel like they just did not want to help me.
Consumer complaint received 2021-07-06
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. 

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. 

Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off XXXX XXXX written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (VA)

On Wednesday XX/XX/2021, I visited a PNC branch and sent an international wire transfer to relatives due to the Covid situation and related financial struggles. Two days later, the recipient bank requested an amendment, as the recipient 's account had to be a personal account rather than a business account. I visited the branch again on Friday XX/XX/XXXX at XXXX and provided the information for the amendment. I asked for any documentation to be able to track the transaction, but the staff at the bank said they had no receipt or otherwise. The branch employee and later the wire transfer department on the phone stated that an amendment takes 2-3 business days. I started calling the wire transfer department since the following Wednesday as the recipient bank reported that the money had been received, but not the amendment. Every time I called I was told that the amendment had been already sent, but they would not provide any explanation as to why it had not been received. On Friday XX/XX/XXXX I scaled up my complaint. On Monday XX/XX/XXXX I called the wire transfer department again to enquire about the situation, and ( after more than 6 business days and numerous phone calls to customer service ) the bank representative reported that the amendment had not been sent by the bank. In view of the delays, I used a different bank that got the money there in 1 business day ( so I have now had to effectively sent this transfer twice and will have to deal with reversing the PNC one ). The delay had serious consequences for my elderly parents at a time when they have been XXXX XXXX XXXX and unable to repay debts that I was going to help them with. A penalty is in order for PNC bank due to the detriment caused by its negligence. I was provided unprecise information throughout the process and the bank certainly did not comply with the 2-3 business days window stipulated ahead.
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. 

XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. 
XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . 
XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. 

This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. 

XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. 
XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. 
Requesting that the CFPB please investigate this. 

Please feel free to contact me if you need any additional information.
Consumer complaint received 2023-01-30
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: SYNCHRONY FINANCIAL (NY)

I took out a a Synchrony credit card to pay for some dental work at XXXX XXXX XXXX. The amount was {$2400.00} on XX/XX/XXXX. 

I put in auto-debit info and selected pay minimum, which would have been {$74.00}. However, they charged my the full balance, {$2200.00} on XX/XX/XXXX ( they says XXXX which is impossible because of the holiday ), XXXX. I have my XXXX banking statement to prove this ( currently Synchrony says I paid twice, which is incorrect. ) I called to ask for a refund. They said they could only send a check. They said they would send a check, minus first months payment, for {$2100.00}. I received this check and deposited it on XX/XX/XXXX. 

Since then they have added, removed, added, and removed the initial balance to my account to multiple times. Now they say I owe {$4400.00}, instead of the {$2100.00}. 

I have called countless times, and chatted countless times, unable to reach an agent under 1.5 hours, or to be put in endless holds never getting a hold of anyone. They have purposely ignored my requests to resolve this, or lied to me and said I signed up for promotions, or lied saying they were resolving it, only to have other agents say thats not true. 

They sent me a notification on XX/XX/XXXX, that my check bounced, which is why this charge is on my account. I have never sent them a check nor, have I ever used their services and money past the initial charge ( + {$2200.00}, then - {$2200.00} ) and refund check ( + {$2100.00}, what I should owe them. ) Im begging for some help I would just like my balance to be the correct {$2100.00} and I will pay it in full and close my credit card immediately just to escape what is clearly a predatory and fraudulent bank. Thank you.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to Experian and XXXX. The firm in question is XXXX XXXX XXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (FL)

during the covid-19 pandemic my state issued me a prepaid card to fund my cares act. the company www.goprogram.com never sent me card, or it was sent to a wrong address. the only way to access the program or order a new card, is to have the original card number, ( i never received a card so how can i know the number? ) ( i never received correspondence from the go program company, so how could i know my pin? ) All this same info is required when you call them, and if you do not have this info the system will hang up on you. You also need this info to do ANYTHING online, again i NEVER received a card, therefore, how do i know my card number? or even how would i be able to even set a pin? there is no possibility of any customer service, and there is money on the card that belongs to me, that i need! i can not access this government money. I can not speak to any one, i was able to switch my payments to direct deposit, but not before payments where added to that card, i need that money i need a new card, i have sent a hand written letter to the company weeks ago, with no response, so i need to file this complaint, i am worried about other citizens that can not access the money, due to clerical errors and disregard for human customer service at this company " Go Program '', i implore you to try your self Call XXXX, try to see if you can speak to someone regarding a lost card. you won't
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (VA)

I received an invitation from Discover card to apply for a personal loan. I applied over the phone and gave them all the information they asked for. After a few days I called to inquire about the loan and was told that my loan request had been rejected. I was informed they could not give me a reason why at the time and I would have to wait on a letter from them. I received the letter on XXXX XX/XX/2020. It was dated XXXX XX/XX/2020. As stated in the letter, the reason they were unable to approve the loan was " unable to verify credit references ". After she couldn't explain that to me, she changed it to not being able to verify my identity. Mind you they had my social number, bank account, etc. By the way, my credit is perfect. On the XXXX of XXXX my FICO score was XXXX. Although I was persistent in her telling me the reason my identity could not be verified she would not relent. I think the real reason is my age, which is XXXX years old ... .. and would not that be age discrimination, which I thought was against the law? My reference number with Discover is XXXX.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (NC)

I recieved an email at XXXX today from bluebird Amex that I violated terms and my account was permanently suspended I have money on that card and a {$7000.00} give or take tax refund being sent if it hasnt already reached my account. Ive been hung up on and cant get any answer out of them. Ive gone over the terms and I havent violated them. I havent even used the card. Their wevsite was down and I tried logging in unknowledged that the website was down and then recieved this email. I want my money back theres almost {$8000.00} on that card and soon will be another {$2800.00} in stimulus that Ill never receive.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.