davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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: AMERICAN EXPRESS COMPANY (VA)

I stayed at XXXX XXXX XXXX XXXX and they placed {$150.00} credit hold on my American Express Bluebird card. On my account it says {$170.00} on hold. I left the hotel on the XXXX of XXXX. It was released immediately at XXXX XXXX according to XXXX at the hotel on XX/XX/2021. XXXX XXXX is still holding the charge on my card 11 days later after the hotel released the hold. They have no business holding the funds any longer and will not release the funds even after I've had the hotel on the phone. 
I want my funds released immediately. Thank you.
Consumer complaint received 2021-12-21
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. (IN)

This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are XXXXhree late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (UT)

I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing XXXX XXXX XXXX in XXXX, Utah saying I owed {$500.00} for my ToRRID credit card account but Ive never recieved any kind of notification from XXXX XXXX XXXX credit caard balance was only {$250.00}
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (DE)

I opened a store credit card XX/XX/XXXX with XXXX XXXX worth {$4900.00} through Wells Fargo. Wells Fargo closed my credit card without any notices or explanation. I have no documentation from the company as to why my account was closed. The company closed my account between XXXX and XX/XX/XXXX. I contacted the company XX/XX/XXXX to see why it was closed but they refused to give me any explanation. I didnt owe a balance. When I did have a balance I paid my bill on time ( sometimes ) early. They did offer they can file a dispute so that the account can be removed from my credit but has yet to do so. It has been months since I last spoken to that company and nothing was ever done. The closed account still remains on my credit. I will never get a credit card with Wells Fargo ever again. They are extremely unprofessional.
Consumer complaint received 2021-12-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted several disputes with XXXX, XXXX, and Transunion regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I have disputed a doctors bill that was covered by my insurance. XXXX XXXX deleted the account but I am having no luck with XXXX or XXXX deleting the account and they have not given me an explanation as to why its still reporting.
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021. 

The whole tactic was played to avoid the promotion bonus mentioned below. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-21
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (CA)

I have been a victim of identity theft. This has been going on for months unfortunately until today it has not been resolved. There are two PNC accounts that don't belong to me. I have tried several times to dispute with the bureau and the creditor. I actually tried calling PNC a few times and after waiting and waiting no one ever resolves my issue. I have sent in all the documents proving that I have been a victim of identity theft. The bureau has stated a few times that both these accounts have been verified however what is the source how are they verifying no one can provide any type of proof. I have overnighted and certified several times and until today nothing. I have requested a 623 to verify debt as well and until today nothing no correspondence. Section 623 of the Fair Credit Reporting Act ( FCRA ) requires the federal banking agencies ( Agencies ) and the Federal Trade Commission ( FTC ) to : Issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies. They have violated my rights and at this point I have exhausted all my options. Creditor tells me one thing while CRA tells me another. This is absolutely hurting my credit score.
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (CA)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (NJ)

I have been disputing these negative items for months now I have been contacting all bureaus asking for answers about why unverifiable items is on my report I am trying buy a house and this has been hurting me please look at my items and removing it
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

The primary problem is as follows : Today, XXXX XXXX, 2021, I tried to close a Citi Card ( American Airlines Advantage ) card. 
1. I called the phone number on the credit card statement and forced my way through endless menus. When I finally reached the option I wanted - i.e., to cancel the card- the phone system immediately hung up. 

2. I redialed the same phone number and again forced my way through the menu. Once I reached the option to cancel the card, the phone system immediately hung up. 

3. I called the General Support & Servicing phone number in my portal. When I finally ( forcibly ) reached an option to cancel the card, the phone system immediately hung up. 

4. I called the Apply for a Card phone number in my portal in an attempt to reach a person. The phone system asked for my social security number ( SSN ), which I refused to provide. My SSN would link me immediately to my active card. 

I never could reach an actual person. 

The secondary issue, which I did not address right away, is that I never authorized Citi Cards to update my card to Platinum Select. I never activated the card they sent to me in the mail. 

Your help would be most appreciated to cancel this card. I am appalled that a company such as Citi Cards would exercise such practices. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (NY)

Your feedback While XXXX 's concluded that the hard inquiry was fraudulent and that I was not aware nor consent, XXXX 's response is still not sufficient. They wrote : " Were therefore asking the credit bureau to change the XX/XX/2021 inquiry to a non-display inquiry. This type of inquiry is viewable to you but not to other creditors. '' I respectfully request that this fraudulent hard inquiry be entirely deleted immediately. I don't want it 'viewable ' to me nor did I cause this fraud.
Consumer complaint received 2021-12-20
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (TX)

XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing XXXX for being on their side after showing them all evidence. I just wanted XXXX to report a remark to " Volunteered Surrender on the credit report. XXXX states that they are only following procedure and report exactly what Exeter Finance dictates to them. 
I wish for XXXX and Exeter Finance of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX PS Exeter Finance does not know where the vehicle is and I have told them. 
PS 2 : Would like Exeter Finance to surrender title in order for me to fix {$7000.00} repair. 
PS 3 : VIN : XXXXXXXX XXXX  XXXX XXXX XXXX PS 4 : ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (PA)

I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Consumer complaint received 2021-12-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IN)

My Navient account notes they are not allowed to contact me via Auto dialing at my listed number ( a cell phone number ), yet they continue to do so. When I received a call today at approximately XXXX I asked why there was such a long pause after I answered the call and when they picked up, at that time, the caller admitted it was due to an auto-dialer. I reminded the caller my account notes they are not allowed to use auto dialers to contact me and was basically told that request would never be honored by Navient and that the practice was not in violation of any federal law.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (NC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-20
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: FC HoldCo LLC (FL)

Spoke to a customer service representative on XX/XX/XXXX about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XX/XX/2021, I was made aware through the website XXXX XXXX that Merchants & Medical Credit has been added as a derogatory mark towards my credit. Merchants & Medical have not tried to notify me directly ( Neither written or by telecommunication ) about this debt they are trying to collect. XX/XX/2021, I contacted Merchants & Medical about this debt, and tried to negotiate a " pay-to-delete '' solution. They complied with this. Although, when I requested to receive written agreement for the " pay-to-delete '' before I made the payment of {$500.00} in full, they stated it was against company policy to do so. I feel as though I did not receive the fairness I should've that is stated within the Fair Credit Reporting Act.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Duncan Solutions, lnc. (WV)

This is a Third Party collector called XXXX ( Professional Management Management ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX, I received their threating letter on XX/XX/21 a collection notice for XXXX dollars stating that XXXX XXXX Police XXXX got a citation fine for parking more than 2 hours in the inlet. I called customer service to dispute the charges or/when and how this happened. 

I called today XX/XX/21 and spoke to customer service and stated that this was for XX/XX/21 which was accurate, but I stated that I paid my ticket there. So, I requested to be waive off as a first time, something that it was not possoble according to them, because it was overdue. 

I said to them that I never received the 2 dollar differencce bill in the mail requesting that hour to pay it off. XXXX claimed that they sent me previous notices in the mail to my address in West Virginia which is a lie. I never received anything in the mail previously. This is a complete scam and needs to be investigated inmediately. There are hundreds of complains already. I hope you can do something about this to protect custumers in this country. This company is ripping people off.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (KY)

I found out that Experian, XXXX and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
She notified them three different times. Finally in Mid XXXX the late payments were removed by Experian and XXXX at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your help
Consumer complaint received 2021-12-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OH)

I have sent letters and affidavits to the CEO of OneMain Financial ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 15 USC 1692 et seq. to give knowledge of the facts regarding OneMain Financial Accounts.Including the personal loan agreement, account ledgers and bookkeeping entries. I have requested if OneMain Financial used its own money, money equivalent, credit or capital, or that of other depositors, as adequate consideration to purchase the loan agreement and notes from the borrower. I have requested validation that OneMain Financial does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Borrower holders signed receipts, promises to pay, notes, or other instruments.I have sent a certified letter and affidavit to be notarize of this information twice. OneMain Financial did not do so instead they gave me verification of the loan not validation. OneMain Financial is requesting payment on a fraudulent loan.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

In XXXX XXXX reached out to Chase to resolve the matter that was explained in the cases that are listed below and Chase has been unresponsive to XXXX. The case num er that chase needs to respond to is XXXX. 
Previous case numbers that can be used for more detailed information regarding this case are as follows : XXXX XXXX XXXX - XXXX