davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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: CITIBANK, N.A. (GA)

Hello Consumer Financial Protection Bureau, I purchased an item from an online vendor using my Costco Citi Visa Card, and the product was defective. I returned the product to the vendor, and I have yet to receive a credit. I was told by Citi the dispute was originally denied because the vendor said the charge was authorized. This rebuttal is unacceptable because I had to PRE-PAY for the online purchase prior to ship. After receiving and using the hair wand, it smoked and nearly caught my hair on fire, which was the basis of the return. 

This dispute has been on-going since XXXX, and the vendor is in possession of the return. I have called in numerous times to Citi, and today they claimed they still do not have my rebuttal re-sent to their requested email address back on XX/XX/XXXX. Unfortunately, I have learned these inefficiencies are because they farm out their disputes to an outside vendor. I called back to report my dissatisfaction, and I spoke to XXXX at Citi XX/XX/XXXX at XXXX EST, and she said the disputes department is currently shut down so open disputes are not being addressed/processed at this time. This is not acceptable because Citi has my money, and the vendor has the returned defective product. Failing to address disputes because the department is " shut down '' is not acceptable. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial ()

I have an account on XXXX and have done XXXX. My account had more than XXXX and on XX/XX/XXXX company automatically deducted 16.16 % of my total XXXX. They said they found some borrower have defaulted and they have a loss of XXXX XXXX. To cover it, they are cutting principal amount by 16.16 % to all non US citizens. We lend virtual currency using their platform. XXXX get flat 15 % of the total interest that we get. So if their is any problem in their system, it is their responsibility to manage. They can not deduct from our principal amount. I have not earned that much from lending in 2 years and they deducted more amount in one go. Plz help me. My registered email is XXXX XXXX
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Flagship Financial Group (LA)

The laws about making phone calls are unclear to me. I received a text message from my brother that lives in a different state with a voice message on it. The voice message was from the company that my husband is behind with my car payments. The car note is in my name. I would never in a million years list my brother as a contact or reference because we are not close and I do not want my family knowing my business. The voice message identified why she was calling, her name which I couldn't hear clearly, letting my brother or whoever heard the voice message know my full name and the account that she is calling about. Evidently the only way she could have received contact information on my brother is to do a background report to find my kin people. I'm a very private person and do not like my information shared with people I have not authorized to share with.
Consumer complaint received 2019-06-11
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. (GA)

I am writing to challenge the reporting and compliance on these accounts with -XXXX XXXX XXXX -XXXX XXXX  - 09 XXXX  XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX -09 XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.
Consumer complaint received 2022-08-04
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. (MD)

So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... XXXX/XXXX XXXX****
Consumer complaint received 2022-06-30
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. (AZ)

In accordance with the fair credit reporting act XXXX account 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2019-06-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (IA)

I was contacted via phone around XXXX XXXX XX/XX/XXXX by a man named XXXX XXXX who said he was with XXXX XXXX collecting a payday loan debt from Check N Go. He threatened me with legal action, stated if I didn't pay today, civil court proceedings against me would occur tomorrow in my county court, I would be sued, and my credit would be damaged for the next ten years. I panicked, as I had used Check N Go in the past when I first moved to XXXX from XXXX to help pay the deposit on a new apartment. I agreed to pay {$50.00} of the ~ {$270.00} debt. After I hung up, I realized it may have been a scam. I called my bank to see if the hold for the {$50.00} had been placed and they identified the transaction as going to a debt collection company called XXXX XXXX. Research into this company with the XXXX uncovered a XXXX rating of F and several alerts. I then logged into my Check N Go account and found the original password had been changed. I changed it and there was an unpaid debt of {$110.00} on there from XX/XX/XXXX. I paid my previous loans and had no need for the service anymore, as I had been at my new job for a couple months and had steady income. The other red flags this call elicited was that the caller used an old address from several years ago, stated that the check stubs were from an employer for whom I worked until XXXX of XXXX -- and through whom the payday loan would not have been accepted because the last check I received from them was in early XXXX of XXXX. He did not have my current address. I contacted the police, who took a statement. I then contacted the county courts to see if small claims or criminal courts had any cases against me -- there were none.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXXXXXX XXXX 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I have been dealing with Santander for a few years now with the loan of a car. This car is in my ex husbands name and i have been making payments on it for years. I called Santander to tell them i wanted to trade the car to get one in my name and because of them charging off the car in the credit system even though i had been making payments on it for years I could not do so. When I called on numerous times to discuss this with them they told me it was charged off and on my credit it did not matter if i made my payments on time it was not going to show that. It would only report negative. I tried speaking to different supervisors to reconcile the issue and they all kept telling me it was the company policy and that there was nothing they could do to help. After month of the run around I decided to buy a new car with a different lender. I called Santander to tell them to come and pick up the car i was no longer paying on something that was not in my name and reporting negativity on my credit already. I would like this to be removed from my credit report. I have tried to reason with them and work out the situation but have gotten no where in 2 years. The account is reporting negativly as a charge off on my credit report it is my ex husbands car and im paying thee price. This has affected me for 2 years now and is unfair. They hold you over a fire and are not willing to help you when you.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to both XXXX  and XXXX. They are stating that the original amount of the debt is {$93.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to the bureaus. The amount of this debt also continues to grow with interest being tacked on and now sits at {$200.00}. I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. 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, US DEPT ED, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

After reviewing the Fair Credit Reporting Act, I did not find a regulation requiring that I request a disputed directly with Experian. From what I have learned, please feel free to correct anything you find incorrect, my obligation is to identify myself with my dispute ( which I've done ). Using the system Experian provides seems self-serving on Experian 's part and not to my advantage. This system is free also and it has the additional advantage of accurately documenting my contacts with Experian in case I need to take this to court which this is beginning to head toward. I simply want you to start an investigation on the items below. If not you are in violation of the FCRA and will be required to pay {$1000.00} per violation plus court cost. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX  XXXX never late XXXX NA XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I had 6 medical bills that were about {$100.00} or less. These bills were paid by Insurance and I was never sent the amount to be billed from XXXX. XXXX XXXX XXXX in XXXX  never sent it to me in a timely manner to my new address in XXXX   instead these small bills went to collection without me knowing. They were paid off in full and removed from report immediately from the other bureaus except transunion. They should not be on my report any further. I disputed them. The agency was also to take them off after I paid them because of all the errors in such small amounts on medical bills paid by insurance and balance subsequently paid immediately by me once I was aware when my report was pulled. Transunion should not still have these 3 small medical bills on there that have been paid off and were put into collections in error & one of the accounts has the same dollar amount and the last account digits are the same so  it may be a duplicate so that doesnt make me happy. 
If the other bureaus can remove the hospital and the collection agencies mistakes on a completely paid account then transunion should too. Thank you.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-06-09
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. (GA)

XXXX XXXX is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OH)

I and my friend are XXXX XXXX. Last year, my friend wrote a check for {$5000.00} to me. I was using Chase 's bank account and he was using XXXXXXXX XXXX  account. After I saved that check in my bank account. Chase closed my account for no reason, and they didn't send that {$5000.00} back to me. Also, I'm not allowed to use Chase anymore. During that time, my friend has back to our country and his visa expired. Then Chase 's worker told me they need to call my friend to verify his identity or something. And they don't accept an international number. But my friend has no way to back XXXX. He is already graduated. They also told me if we couldn't do that, Chase will hold that {$5000.00} forever. My friend tried to call Chase even he is in XXXX, but they told him they need my permission first. When I called Chase 's customer service, they told me my friend need to call them first. Now, after 1 year, my friend won't believe me that I didn't receive that money cause that money has already transferred from his bank account to Chase. But Chase didn't give that money to me and they choose to hold it forever and their requirement is very irrational for me and my friend. I do need that money for my school fee.
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (LA)

Sent Affidavit, Letter of explanation, as well as Police Report to credit bureau and they said it was verified and that is impossible, because they did not show any proof of that and I showed all the proof.
Consumer complaint received 2019-06-09
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. (GA)

XXXX XXXX is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX  switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!
Consumer complaint received 2019-06-09
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: AES/PHEAA (GA)

Fedloan Servicing is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with Fedloan 2. Fedloan is inaccurately reporting my student loan dept as a credit card debt! 
4 Fedloan switch their invoicing method to paperless with notifying me 5. I did not authorize Fedloan to switch my billing to paperless 6. I was not notified by Fedloan that my payment was past due 7. I  appemtepted to make payments via their website as directed by Fedloan 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. Fedloan is still reporting account that were paid in full as open 11. Fedloan is  reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with Fedloan spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I check my credit report and I see midland has purchased and account that I had years ago with XXXX XXXX XXXX and now they're trying to collect {$580.00} and report the account as open .I receive social securirty and I'm not paying thm for and account they purchased for their monetary gains