davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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. (MI)

Closed credit card with Citicard in XXXX, XXXX. Citi keeps billing, sending collection calls to my husbands work phone and sending me emails stating we owe them on a dispute which was resolved back in XXXX, XXXX from merchant XXXX and XXXX. XXXX and XXXX failed to deliver gift basket to my doctor so I disputed their {$60.00} charge with Citi. XXXX and XXXX credited {$60.00} back to Citicards immediately as I saw the transaction online. Now after we closed our account and unable to see transaction, Citi has been harassing us for the disputed amount plus interest and late fees. We have reached out to Citicards at least 5 times now where in the agents see the credited {$60.00} back from XXXX and XXXX, but yet say they cant do anything about it ; its the Dispute Depts job and they will call you back. Nobody from Citicards has ever called back. Now Citi says we owe them {$140.00}!!
Consumer complaint received 2020-05-13
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. (TN)

Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with XXXX  and over 20 points with Equifax. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to XXXX to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by XXXX  or Equifax that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-13
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. (TN)

Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with Transunion and over 20 points with XXXX. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to Transunion to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by Transunion or XXXX  that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX  and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I attempted to add my XXXX XXXX XXXX XXXX account to Venmo on Saturday XX/XX/XXXX, and I received an error. I reached out to Venmo support who refused to help me add the account manually. I then tried to use XXXX to add my XXXX XXXX account to the app on XX/XX/XXXX, and this was also denied as " something went wrong. '' I currently have {$220.00} sitting in Venmo that I am unable to cash out. Venmo is holding my funds hostage and I need to cash the money out to a personal checking account ASAP.
Consumer complaint received 2021-02-24
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different accounts numbers and yet they are never investigated nor removed. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2020-05-13
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. (CA)

XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

Under the Millitary Lending Act and formerly the Service Credit Civil Relief Act American Express promises no annual fees for their cards. However, recently ( as of XXXX XX/XX/2020 ) they have not been honoring this promise for those who do not qualify for SCRA, instead, they make excuses that you were not identified as military when you applied for the card which I tried to do by entering my SSN and identifying my occupation as military. Then, proceeded to provide them with the documents and they still do not approve me. This is a problem many Servicemembers have been having recently : XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I contacted Experian regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report.  Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I got sick in XXXX, since then I've had XXXX XXXX  XXXX XXXX, XXXX XXXX   and countless XXXX XXXX and XXXX XXXX which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my XXXX or XXXX. I called capitol one and explained this to them after my XXXX XXXX, they told me to send in my proof of XXXX I did, I sent them a 53 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one  of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Consumer complaint received 2020-05-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I returned all the items on one of my XXXX XXXX orders purchased using my Bank of America credit card. However, I have not received credit from the merchant and thus I'm trying to dispute the charges with Bank of America. However, I can never get the dispute to go through on the Bank of America website. Also the texts that get sent are so slow that it always falls out of the 10 minute range. 

The charges that I am trying to dispute are : XX/XX/2020 {$58.00} XXXX XXXX XXXX TX XX/XX/2020 {$470.00} XXXX XXXX XXXX TX XX/XX/2020 {$26.00} XXXX XXXX XXXX TX XX/XX/2020 {$510.00} XXXX XXXX XXXX TX XX/XX/2020 {$130.00} XXXX XXXX XXXX TX XX/XX/2020 {$38.00} XXXX XXXX XXXX TX XX/XX/2020 {$140.00} XXXX XXXX XXXX TX XX/XX/2020 {$110.00} XXXX XXXX  XXXX TX XX/XX/2020 {$110.00} XXXX XXXX XXXX TX XX/XX/2020 {$53.00} XXXX XXXX XXXX TX
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I CLEARLY EXPLAINED ABOUT MISTAKE BEING MADE BY THE BANKER, GETTING A PARTIAL PAYMENT OF WHAT HE WANTED INSTEAD OF " THE FULL PAYMENT AS I REQUESTED '' JUST AFTER I MENTIONED TO HIM THAT I NEED TO HAVE MY ACCOUNT CURRENT BECAUSE IT WAS ON ASSUMPTION PROCESS. 

HOW HARD IS TO UNDERSTAND THAT PART??????? 
MISTAKE THAT AFTER I CONTACTED BACK OTHER BANKER APOLOGIZED ABOUT IT AND TOOK THE EXACT AMOUNT THAT WAS MISSING BY ACCIDENT AS HE MENTIONED BECAUSE I ASKED HIM TO CHECK THE CALL RECORDED. 
*HE ALSO PROMISED THAT IT WON'T AFFECT ANYTHING TO MY ACCOUNT BECAUSE HE MADE A NOTE ABOUT THAT PREVIOUS MISTAKE. 

I'M ATTACHING A DOCUMENT WITH MY NOTES AND NOT MAKING A BIG DEAL. 
PLEASE CHECK ON THEM.
Consumer complaint received 2020-05-13
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: Bridgecrest Acceptance Corporation (MO)

I disputed XXXX XXXX opened XX/XX/XXXX amount {$750.00} and Bridgecrest date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America accepted two years old check which was also a duplicate transaction. Money was deducted from my account two times for this check, first time on XX/XX/XXXX and again on XX/XX/XXXX. 
This is how it happened, I got activity alert for my account. I verified my account and found a check was deposited so I contacted bank on XX/XX/XXXX. Their Customer Support Representative gave me check number and the date that was written on it. I started verifying my bank statements for that date and found what happened. This transaction initially shown as " processing check '' in my account but they removed this entry on same day. They credited amount now and it is showing as " Credit adjustment request honored ''. 
I wanted to complain the following : 1. They are not supposed to accept more than 6 months old check but they did. 
2. Check should be verified before accepting it, seems it was not happened.
Consumer complaint received 2020-05-13
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 (CA)

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH BANK OF AMERICA. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO BANK OF AMERICA AND TO THE XXXX BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (UT)

This complaint is to dispute communication with XXXX XXXX and IC Systems. I had an emergency room visit XXXX of XXXX where I spoke with a doctor and provided a XXXX sample and was charged {$520.00} after insurance. I request a lower rate after a few months of service upon receiving a bill. I was told that they would call me back after a review was conducted. A few months later I was reached out again in XXXX of XXXX after no phone call was made and explained the situation over again and was told to wait for a call, to which I provided the number they should call. Then in XXXX of XXXX I answered a call from IC Systems explaining they were a debt collector for XXXX XXXX and that they were to collect a debt. The very same debt that I had inquired about and was waiting to hear back, even though I never received a call from XXXX responding to my original request. At which point I explained again what was going on. They said I could send in a physical letter asking to dispute the charges from XXXX XXXX. I asked if I could file this dispute electronically and was told that was not a possibility. I explained to them to stop calling me and then I would send the letter and to email me the physical address to send the dispute. I called a second time a month or two later after not receiving the email after verifying that I don't not receive the email, nor in a spam/junk folder, and was told they would send the email again. I also re-verifying my email. Now XXXX of XXXX I get a hit on my credit report with a collection action. I then called IC Systems back to which I had to explain the issue once again and requested they reverse the item on my credit report. They said they can not reverse the item on my credit score and said they can confirmation that the email was sent. To which I checked my email again on the date they provided it was send of XX/XX/XXXX, and it was not there. I was then given the actual address to send the dispute to. When I asked XXXX XXXX, a supervisor, at IC Systems to wait on hold for a few minutes after a short while she proceeded to hang up without notice. I now have the physical address to send the dispute per their policies. I plan to send this dispute tomorrow ( XX/XX/XXXX ) the day after speaking with IC Systems. I would like this reverse immediately due to the lack of communication on XXXX XXXX 's part and IC Systems for not returning calls as promised or delivering emails.
Consumer complaint received 2020-05-13
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. (CA)

On XXXX XXXX, someone went online to XXXX, used my login, email, and password to purchase tickets under my name for an event Titled : XXXX XXXX at the Forum in XXXX. I have reported this loan to the company that this was sourced from called XXXX. 
They have not been cooperative and are telling me I am responsible for this loan even though I did not open this loan. They mentioned going to the police department to file a report, which I did and they have not been able to do anything to help my situation. This is identity theft and would like to find out who did this. XXXX states I am responsible for a {$750.00} loan. Please contact me for further information
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I received a dispute update letter from Equifax which stated the disputed item is not currently being reported on my credit file. It prompted me to check my credit score which is extremely low after they removed the disputed item. I filed a complaint about a business account reporting on my personal credit file. Before the inaccurate reporting, my score was XXXX and now after removing the business account my score is XXXX. When I tried to access my Equifax report they have me blocked from accessing it. My wife and I called Equifax and put through a validation of questions that were all answered accurately, they sent a link to my phone that could not be accessed. I requested to speak with a supervisor and was denied and they tried to make me upload my personal data through a link and hung up on saying they could not validate me, and I was being combative. Equifax have me block from reviewing my credit file and will not allow me to speak with a supervisor. They have removed accounts that were paid as agreed and reporting them as closed which affects my score, they have removed accounts that is current that I am an authorized user. They are trying to sabotage me. My {$15000.00} XXXX XXXX XXXX XXXX XXXXimited was dropped to {$1000.00} credit limit, my XXXX XXXX card was closed based on my credit usages. I have an excellent payment history before this I was getting preapproved offers.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

XXXX XXXX XXXX XXXX, XXXX, WI XXXX A week ago, at XXXXclock to XXXX clock at night. I mistake my old credit card as my debt card to deposit money for more then 900 less than 1000 to the ATM. the ATM screen show exact same as you put the debit card in to the machine. I thought I use the right card until I try to print a receipt. The screen shows invalid card. My money is eaten by the machine. So I wait tomorrow morning to the branch bank. The people work there doesn't help and have bad attitude. They told me you have to call the credit card number because you deposit money in your credit card. Then my questions are 1.ATM is in the branch bank, so US bank is not related to the US bank ? 
2. My intention is to deposit in my debt card. The money is eaten, Credit card is invalid. 
How could just call the credit card number to solve the problem. 
3.How often is the ATM got checked. There are extra money there. Who is gon na have those extra money. 
I call the credit card number, they tell me to talk to the branch bank. I am so confused, after a few phone call. There is someone really nice to help me claim a file and told me they will investigate in 45 days and tell me the result. After left a review on XXXX. US bank try to contact with me. And someone told me I will get about 900 dollars as credit in ten days, but After ten days, my bank account doesn't show those amount, so I call them again, they told me the amount got denied. I feel like some people work there is not well trained or the system is not good enough. Could you help me get the money back. This money is for my tuition in fall.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

For the past several months I have been trying to get several fraudulent inquiries removed from my consumer credit reports held by Equifax and XXXX. I have sent in letters, made multiple phone calls, and filed FTC and CFPB reports and have yet to recieve the resolution I am due. In addition, they have placed unrequested fraud alerts on my reports as well. I do not want these on my consumer credit reports, did not authorize them and want them removed. 

Listed below are the fraudulent inquiries, and attached is the first FTC report i made which i was told was not sufficient, and a 2nd FTC report made recently. 

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX