davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I first called in mid XXXX to let the bank know that the transaction on XX/XX/XXXX was not valid as I did not receive the clothes that I had ordered, I had already spoken to the vendor who states that due to them having a tracking number they were unwilling to help. Over the next several months I contacted the bank no less than four times inquiring about the status of the dispute, each time being told that there was no further information and I should be getting something in the mail which I never did. On my last two calls I was told to expedite the claim I should write a statement and fax it with the appropriate claim number and transaction information. The letter was faxed on XXXX the XXXX XXXX XXXX  Pacific Time, with a fax confirmation, I confirmed with the agent on the phone that I did indeed have the right fax number and did indeed have the right claim number however they did not have any record of me faxing anything to them. I was suggested to mail something via U.S. Postal 2 appeal my claim, which was news to me considering I didn't know that the claim was denied to begin with. I spoke to a account supervisor in client relations named XXXX ID XXXX who was nonchalant, inconsiderate and refused to provide any assistance. When I inquired about the fax that I sent, his response was that they did not have it so perhaps I should send it in the mail. Having a fax confirmation meant nothing to him and the fact that I had been in contact with the bank no less than six times regarding this matter seemed unimportant. I just want my money returned. 
XX/XX/2021 {$81.00}
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Hello. I handed in my XXXX application and FedLoan received it on XX/XX/2022. I have been waiting for appropriate communications from them as to what to do next. I decided to contact them XX/XX/2022. They wrote back on XX/XX/2022 stating that I needed to hand in the first page of the application again. This is ridiculous due to the fact that the completed application was received on XX/XX/2022. They received updated employment verification forms on XX/XX/2022. I refaxed the first page of the application on XX/XX/2022 dated from XX/XX/2022. FedLoan does not contact me and has me waiting without proper instructions. There are others who have received forgiveness before me due to their poor management of my application. I have been working for not-for-profit employment sites over 11 years. This is not acceptable.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion made me put my credit card information as if it is for account validation purposes, then they charged {$24.00} for a credit report ( monthly subscription ) I never asked for. I only wanted to file a dispute, moreover, XXXX XXXX provides this information free of charge. 
I tried to cancel the subscription, yet their website logs me out each time I press on cancel. If this isn't a blatant scam I am not sure what else is. 

- It never informed me I am being charged {$24.00} - It pretended to be a free credit score report. 
- It won't let me cancel the auto subscription. 
- They overcharge or charge for something XXXX XXXX or XXXX XXXX provide with for free.
Consumer complaint received 2021-10-14
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)

Equifax is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company that they are reporting on the dispute response, XXXX. I have disputed this account with Equifax on XXXX, XXXX, XXXX, and XXXX of XXXX. They asked me to dispute the information with the furnisher and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. They have also falsely stated that XXXX has verified the information on XX/XX/XXXX, when the attached documents show XXXX deleted this account from their system on XX/XX/XXXX. So did Equifax truly verify this with XXXX? I have also contacted the clerk of courts on XX/XX/XXXX and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Equifax to please provide documentation of this account that they are clearly erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Equifax take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Equifax is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Equifax duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.
Consumer complaint received 2021-10-14
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: Amsher Collection Services, Inc. (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX a Target card was fraudulently opened in my name It looks likes a card was opened on XX/XX/XXXX for XXXX XXXX  XXXX , XXXX XXXX Orig CTR on XX/XX/XXXX, XXXX  on XX/XX/XXXX XXXX 
There may be more that haven't shown up on my XXXX XXXX
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (UT)

Mortgage was paid in full on XX/XX/2021. Escrow refund was issued and mailed on XX/XX/XXXX as verified by the lender. Refund never arrived, suspected mail theft. Called and spoke with representative on XX/XX/XXXX who transferred to supervisor. They refuse to do anything until XX/XX/XXXX, won't even check to see if it has been cashed. I informed them there have been at least 2 known theft cases in our neighborhood where we and neighbors mail was stolen. American Pacific refuses to reissue the check as requested. They said they will not accept a request to do so until after XX/XX/XXXX, then it will take a minimum of 30 business days to reissue the check.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RC XXXX XXXX XXXX XXXX They are reporting a balance owed and that my account is still open. 

" XX/XX/2019 ( 1 yr, 7 mos ) '' This information is invalid, this account is almost 10 years old now.

Statute of Limitations California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
Consumer complaint received 2022-06-23
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: WYNDHAM CAPITAL MORTGAGE, INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-11-30
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: LEXISNEXIS (TX)

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX <<<<<<<<<< ( ADDRESSES ARE WRONG, PHONE NUMBERS ARE NOT MINE ) XXXX XXXX  XXXX {$12.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? 

XXXX XXXX XXXX XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<< XXXX  XXXX {$2000.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? XXXX XXXX XXXX XXXX, XXXX XXXX Account Type FHA Mortgage Balance {$0.00} Date Opened XX/XX/XXXX <<<<<<<<<< ( NOT MINE, WHY WAS THIS NOT VERIFIED THROUGH ORAL OR WRITTEN COMMUNICATION, HOW IS THIS VERIFIED AS ACCURATE? <<<<<<<<<<
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NC)

I have 2 late payments that should not have been on my account and I called to ask them to help me remove the lates from my credit report as it was hurting my score and the guy that answered transferred me to someone else and I got transferred several times and no one could help. The last person told me they never had anyone ask to remove lates on credit and they could not help me. 

GM Financial violate my rights under the FCRA. 

15usc Section 602- states I, XXXX XXXX XXXX XXXX have the right to privacy. 

15 usc Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent or instructions.

15 usc 1681a ( 2 ) ( a ) ( l ) - a consumer report does not include any report containing information solely as to Transaction or expenses between the consumer and the person making the report. 

I want the creditor to update the late payment for XX/XX/2022 and XX/XX/2022 ( 30 day ) to paid on time based on the violations. 

I was not late and should not have these blemishes on my credit. Can you help me?
Consumer complaint received 2021-10-14
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXXXXXX has violated my rights Account # XXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violate my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX* US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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 2022-06-23
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2021-10-14
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. (MI)

I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent XXXX. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted a complaint that the denials on my Bank of America debit card. They declined the card and cost me XXXX dollars. Three people hung up on me after I told them this and they said they couldn't do anything.
Consumer complaint received 2021-10-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I have an auto loan originally with Nissan that has now been charged off and closed for {$15000.00}. I contacted XXXX  XXXX  and spoke with a manager name XXXX and I had Nissan loss recovery rep on the line as well within this conference call. I told XXXX  manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that XXXX  doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to Nissan for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with Nissan in the past but I wasnt able at that time due to covid illness and no longer working. I and the Nissan rep was told by XXXX  supervisor XXXX that they ceased the calling and communication on the account and that it depends on when Nissan pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the Nissan rep confirmed and verified with me that Nissan have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that XXXX bought the debt from Nissan as a third party collection. She also stated to me that if XXXX  doesnt collect on debt that they would in turn sell the debt to another debt collection agency because Nissan is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because Nissan no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with Nissan directly.
Consumer complaint received 2020-11-30
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. (AZ)

On XX/XX/XXXX I contacted XXXX Mastercard XXXX a XXXX private label consumer credit card ) to have a replacement card sent out to me since the one I had was damaged. I was NOT told that a credit report was necessary to do so. This credit pull was NOT approved and I have a letter from XXXX 's Executive Response Unit stating this was indeed an unauthorized and fraudulent credit inquiry. Since the credit bureaus share information, the hard inquiry was not only included on my XXXX  credit report, but also my Equifax and XXXX. On XX/XX/XXXX I filed my first online dispute with Equifax ( conf # XXXX ). Since this was NOT removed from my credit report, I filed my second online dispute with Equifax on XX/XX/XXXX ( conf # XXXX XXXX. As of today, XX/XX/XXXX, this fraudulent inquiry still has NOT been removed from my credit report. As a result, I filed a third online dispute with Equifax ( conf # XXXX XXXX. What else do I need to do in order to get Equifax to do their job and keep my credit file accurate??
Consumer complaint received 2022-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have concerns about two accounts I noticed on my credit report. 

Account under name XXXX opened XX/XX/XXXX and currently closed as a charged off. I have reached out to the company directly and I was not given any information on how account was opened. It has currently reached over 30 Days into the investigation and I have not received any results from the investigation. Amount reported on account is XXXX. 

Account under name Bank Of America opened XX/XX/XXXX and currently closed as a charge off. It has been over 30 days of being investigated and I have called them directly and I haven't been given any information. I was told they no longer have the account. Amount reported on account is XXXX.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (WA)

I have received 4 emails today, supposedly from Chime bank. I will attach copies of the emails. the first email congratulated me on opening the account and said that the account was opened somewhere in the same state I live in and to click if this was not me. I did not click. The second told me I had a bonus. The third said that I had a deposit of XXXX dollars. The fourth offered me a credit card. 
Initially, I just put the first email into a spam folder. I was a bit concerned as they had my name and email, but I chose to ignore it. When I received the other 3 emails, I became concerned and looked up Chime bank. I did not use the links in the email, rather I went to their website. They had an automated response-bot ( I assume ) that said that they could escalate my concern to a technician who could help me. I was then routed to a service that would charge me {$1.00}, saying it was refundable. I did not bite as I would have had to share information. I also noticed that, by signing up for this " assistance '' I would be signed up for a {$46.00} fee. 
I am not sure if yours is the site to follow up with this, but as I did involve the actual bank, this all seems quite fishy.