davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.
Consumer complaint received 2018-02-04
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. (VA)

Due to the Equifax data breach, which according to their website both my husband and I appear to have been affected by, I have had to spend money and many hours of my limited personal time to pull credit reports, place credit freezes, set up credit monitoring, as well as other tasks to try and get ahead of the potential issues this could cause to my husband and I 's credit. We have worked very hard over the last decade to improve our credit and the continuous data breaches are disheartening ( the Equifax one being seemingly the worst yet ). There is also not a lot of confidence that Equifax truly knows how much data was actually taken, so now there are worries about my parents ' and my children 's credit. I also worry that even though we have frozen our credit, the same stolen data can still be used to unfreeze it. Cyber security needs to be taken much more seriously by the corporations of the world and I want to know how Equifax and the FTC are going to make this right and work to prevent future occurrences. Thank you for your time.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I purchased a wallet at XXXX XXXX for less than {$30.00} and used their credit card. I got a bill in the mail on XX/XX/18 stating my account was 4 months past due and {$180.00}. This was the first I'd heard of this account being delinquent, so I immediately called to investigate. There were about {$150.00} of late fees and interest. They said my phone number on record was listed as having been disconnected, despite there having been no interruption in my phone service or change in number for sixteen years. I asked to have some of the late fees removed, splitting responsibility with them for the issue. They would only remove 1 month 's late fee, {$38.00}. I told them I was mailing a check for {$30.00} and asked if they could close the account, which they did. I have mailed the check.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (TX)

I placed an order with XXXX XXXX XXXX in XX/XX/XXXX for plantation shutters that were supposed to deliver and install on XX/XX/XXXX. XXXX XXXX installer came in XX/XX/XXXX to install the shutters half way through the installation I noticed they were they wrong color and they were damaged so I stopped the install. As of today XX/XX/XXXX, I have requested XXXX XXXX XXXX to pick up their shutters as I no longer want to do business with them as no one has returned my calls in a over a week and it is now XXXX and my issue has not been resolved. I filed a dispute with Greensky regarding payment and not receiving the correct product which was damaged and not installed. Greensky said that they are closing my case as they had an email from XXXX XXXX XXXX stating that they would make good on my purchase which has not happened. As of today XX/XX/XXXX, XXXX XXXX XXXX has not returned my calls or emails in over a week. I told Greensky I would reopen my case as XXXX XXXX XXXX has not responded to me. I was told " NO I am not '' When speaking with Greensky they were rude and did not care that I had not received my product and are holding me accountable for this loan. I had never spoken to Greensky about my loan until I filed a complaint. They never confirmed anything with me. I feel this company is strong arming me into paying them for product they know I have not received.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America Credit Card. Charge off date of XX/XX/XXXX. XXXX from Bank of America to claim absolved debt as income for XXXX taxes. Form from Bank of America was created XX/XX/XXXX. Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-02
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. (MA)

I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2018-03-02
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. (NJ)

Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.
Consumer complaint received 2018-02-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2018 I sent a certified letter to Transunion asking to validate an account ( XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Transunion has responded to my request by saying that these accounts have been verified. Transunion has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Transunion has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Transunion reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I am resending this complaint due to the fact that some of the data provided was invalid and incorrect of my payments. I made my last payment and received no refunded check from this bank for the payment. I was not told at the store that I had 30 day period to close this card I was neither given documentation. I mainly closed the card because I was unable to use it at other stores which also was not told to me so its just false advertising and marketing. I am reporting this again because I would like the documentation for all the claims reported because I have never received any refund check from the company. I actually paid more than {$76.00} that was shown in the closed complaint statement. I am looking towards taking it into further matters if I can not get proof or this problem resolved and removed from my credit report. 

Thanks
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have received a new XXXX XXXX credit card from Bank of America. I have never activated or used this card, but the bank immediately charged the yearly fees on the account. As I was not aware of it I did not pay any payment on the account as I expected the balance to be XXXX. Couple months later I was notified by my Credit Tracker application that Bank of America reported this account as 30 days past due. This caused my credit score to drop almost 100 points. I immediately called the bank, paid the total balance and closed the account. But they refused to withdraw the credit report derogatory information.
Consumer complaint received 2018-02-20
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. (FL)

I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, Transunion and XXXX ). All the 4 collection accounts where deleted by XXXX but Trans Union and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( Trans Union and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

Experian XXXX XXXX
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My XXXX home mortgage was sold to a company called Bayview Loan Servicing , LLC in XXXX of XXXX. I was up to date with my mortgage payments and I was advised by Bayview on XX/XX/XXXX that my mortgage was in default because I was paying the incorrect amounts. They stated my mortgage payments were supposed to be {$3700.00}.. My mortgage amounts have always been {$3400.00}. I began paying the new amount of {$3700.00} as directed and now I have been advised that my mortgage in default and that my house would be put into foreclosure. They are not applying payments correctly and it has been extremely difficult trying to get in touch with the representative who was assigned to me. It takes her a full 48 hours to return my call. If you look at my statements it shows unapplied payments. My mortgage is not in default as I have been making the mortgage payments in the new amount that they requested. The representative assigned to me at Bayview can not explain to me why I am in default and is now requesting {$15000.00} and stated if I do not pay this amount my house will be put into foreclosure. I went back to my original mortgage holder, XXXX Bank and they advised me to negotiate with Bayview because there was no mistake on my part in the amount that I was paying the correct amount on the statements that I was receiving.
Consumer complaint received 2018-02-20
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. (CA)

the following account does not belong to me its was opened with out my authorization, i have already called the creditor but they have not fixed this issue yet, i have also disputed this to the credit bureaus, and they have denied my request in this case is ( equifax only ), please find attached the FTC report filed ( police report ) and the request ( hence attached ). 
please have this fraudulent account removed from my credit report thank you for your cooperation
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I opened an account with Capital One. The account was last updated on XX/XX/XXXX. I got a derogatory remark on my XXXX  Credit Report, XXXX, and XXXX. I filed a dispute for both XXXX and XXXX a year ago and had this account successfully resolved for both credit bureaus. This account still shows a derogatory remark on my XXXX Credit Report. I would like to address this immediately, either pay off this debt or get this negative remark removed.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. 
The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. 
I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. 
Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. 
# 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX  of my XXXX XXXX and XXXX? 
# 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. 
# 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. 

I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.
Consumer complaint received 2018-02-20
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)

During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX XXXX they denial my claim for hurricane issues.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclays c onverted an existing credit card of mine to a different type. When doing so, they informed me that any rewards accumulated up to that point would be lost ( I had none ), and that going forward I would earn  XXXX  point per dollar of purchases, in addition to a  XXXX  point bonus after spending {$1000.00}. I made a {$1000.00} purchase a few days later, but was awarded no regular points and no bonus points ( I am owed  XXXX  +  XXXX  =  XXXX  points = {$110.00} in cash ba ck ). I  contacted them and have received varying responses, including promises to credit the points and statements that no points will be given me ( their representatives seem confused ). After multiple emails back and forth, 32 days ago they opened an internal case, which they assured me would be completed within 30 days. They have offered no resolution to this case, so I am contacting the CFPB for assistance.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (AZ)

IMPORTANT TO NOTE : We are wintering in XXXX XXXX XXXX, AZ from XX/XX/XXXX to XXXX XXXX. After returning to XXXX, our address will be : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and our phone number will be : XXXX. Email remains the same. 

XX/XX/XXXX : My husband tried to withdraw {$500.00} USD from the CHASE ATM at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ with his XXXX debit card. ( I am joint on the account with him. ) He got a slip with the date, time, ATM address, last XXXX digits of his XXXX #, Term ID and Sequence # on it, no withdrawal amount printed, slip attached. HE DID NOT GET THE MONEY ; however, our XXXX bank shows the money withdrawn, bank printout attached. 
XX/XX/XXXX : I called XXXX Lost or XXXX, XXXX, spoke to XXXX. No help. Our bank needs to inquire. Phoned our bank, XXXX XXXX, Lost or Stolen, XXXX, spoke to XXXX. Need wait until XXXX XXXX opens Tuesday, XX/XX/XXXX. 
XX/XX/XXXX : Started the lengthy process of contacting our bank, receiving, signing and sending back an Indemnity Agreement, copy attached, and phoning and emailing back and forth with them, copy of communications attached. 
XX/XX/XXXX : Indemnity Agreement XXXX XXXX XXXX, received, signed and emailed back to our bank. 
XX/XX/XXXX : Emailed our bank to follow up. Our bank contacted their settlements ' department who has heard nothing from CHASE. 
XX/XX/XXXX : XXXX went to CHASE. They will not talk to him as he doesn't have an account with them. XXXX commented, " We've been having problems with our machine. '' Really? And they're still using it??? 
XX/XX/XXXX : Followed up with our bank again. She asked me to wait to file this form until she heard back from their settlements department. again. 
You will note in the attached document of email correspondence with our bank, something similar happened last year. XXXX was charged twice for one withdrawal. Our bank had some issues with Chase 's responses, and ended up giving us back the money with the provision : " If anything unforeseen happens, we will have to take the money back. '' We have no idea how long it took for XXXX XXXX to receive that reimbursement for CHASE 'S  error. 
XX/XX/XXXX : I heard back from our bank. Again, CHASE has not responded to them. 
It is astounding that CHASE does NOT respond. I was told last year that it can take up to six months to recoup money they have kept. 
We are hoping you folks can make them accountable for responding!
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I woke up and decided to withdraw all my money from coinbase and I've been locked out of my Coinbase account since XXXX XXXX and there appears no way for me to access my account So what I did is open up a case at coinbase support and there was no response from them.I called them and talked to XXXX and she said ve just checked your account and can confirm that your request has been properly escalated.It all happned because I was verifying my id because all 3 heavy payment sending delay was 72hr and all of a sudden I was logout of account with suspended msg.Iam afraid by looking at your post I would loose my money.I recomend better wait for 72hr and pull all your money instead of choosing id verification.I agree if you dont have your private keys dont expect you are 100 % secure