davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-08-21
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: CITIBANK, N.A. (NJ)

A couple months ago I disputed a charge against a merchant for charging my Citi credit card when they already charged another card they had on file for me. I showed my statement with my other bank as proof to Citi and they kept ignoring, and just rebilled me for the transaction ... As mentioned to them previously, I already paid for this with my other bank and I am NOT paying for it again!!!
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NV)

This company have been charging me over {$130.00} every month on finance charge even on the months that i was on deferred payments because i lost my job   due to covid-19 lockdown. the governor still wont let my employer ( this is an XXXX   XXXX  in XXXX XXXX ) to open because of the virus. i have checked all the transactions on my account in comenity XXXX website and found that every month they are charging me over a XXXX dollars no matter what. they have been doing this to me for the last 2years, they have been secretly over charging my account. i never noticed the crazy charges until today when i calculated and check my bank statements and copies of the check i sent them. 

just from the virus lockdown this year, they charged me {$510.00} in finance charge from XX/XX/20 to XX/XX/20, this months are in deferred payments because of the covid-19 hardship.

they also didn't post on their website all the previous payments i made and i have the  check copies and bank statements to prove that they cashed the payments i sent them. i have attached the payments i made to prove that every month they are over charging me finance charge. i kept paying my monthly due and never missed a payment before the pandemic. they keep raising up the finance charge every month. it doesn't make sense that they keep charging me more in finance charge every month when i was paying my debt down. this company is stealing from me. i lost my job because of the covid-19 and i have many family members that died. i will never get out of debt. i need help. 


please see attached copies of the transactions
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (TX)

I purchased windows from XXXX XXXX XXXX from XXXX, Texas on XX/XX/2020. The representative XXXX XXXX told me the windows would cost XXXX. I ordered a total of 9 windows and the representative quoted me XXXX for the following : 6-double hung windows measuring approximately 31.5 inches by 52.5 inches. 
2-double hung windows measuring approximately 36 inches by 52.5 inches 1-picture frame window measuring 27 inches by 52.5 inches. The rep stated that picture framed windows were cheaper than double-hung windows. I asked if I would receive an invoice and he said yes. 
I measured the windows myself because I never received an invoice from XXXX XXXX XXXX  even though I asked numerous times. The representative completed the forms for financing through Greensky. I was approved and I was told that I would have to start paying in 4 months. The windows were installed in XXXX and when the installer came to install the windows there was a mistake with the windows I ordered. Instead of getting a picture frame window for the window measuring 27 inches by 52.5 inches, I got a double-hung window and 1 picture framed window measuring 36 inches by 52.5 inches. I told the installer to just leave the smaller-sized double-hung window and since they already had to order another window I requested to just replace the larger double-hung window to match the picture-framed window. I received an email later the next week from Greensky asking me to accept the charge of XXXX. I declined because I did not get an invoice from XXXX and I should have received an adjustment for the cost since I received 2 large picture-framed windows because of XXXX XXXX  error. Greensky representative said she would investigate the matter. After a week, a Greensky rep told me that they closed the investigation and I had to pay the XXXX because that is what I agreed. I feel like Greensky did not try to dispute the charge on my behalf. I did call XXXX and I spoke to someone in finance and they stated that no one had inquired about the charge and they would let me know. As of today, no one from XXXX XXXX  has contacted me. I just want to be billed correctly. I feel like I am paying more than what I should and I'm in the dark of what the charges because I never received an invoice. Today I received a billing statement from Greensky and it indicated that I had to make my first payment by XX/XX/2020. My issues are with both XXXX XXXX XXXX from XXXX, Texas, and Greensky. 
In my statement, they ran my credit for a purchase of XXXX. I never approved that much to be run on my credit. There were several inquiries into my credit. This also needs to be investigated. The statement indicates that I was credited XXXX.
Consumer complaint received 2020-08-20
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. (TX)

Hello, To whom it may concern : The following accounts below have been disputed with the major credit bureaus and the original creditors because the details attached to these accounts are incorrect and inconsistent between bureaus.
Consumer complaint received 2020-08-19
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: LEXISNEXIS (MI)

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX XXXX  with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX.XXXX  statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD
Consumer complaint received 2019-07-08
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. (TN)

I submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX deleted the inaccurate information, XXXX and Experian would not delete the inaccurate information. XXXX   and Experian said their information was verified as accurate. The third party company ( XXXX XXXX ) in which Experian and XXXX claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested Experian and XXXX  remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which Experian and XXXX say they are getting accurate information is stating the information is not verified and accurate how can Experian and XXXX report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my Experian and XXXX reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XXXX XXXX XXXX has 11 accounts totaling of {$8000.00} on my credit report for my soon from XXXX my son had nj family care Medicaid at that time and I cant even check with Medicaid to confirm the dates because I have not had custody of my son they cant even speak to me. My son has been in his fathers custody. This information is on my credit report I attempted to solve this issue with XXXX and they told me to work it out with the father so he can help me pay the debt the father has a restraining order on me and I can not work anything out with him. I am disputing this and will get a lawyer if this is not removed. I will be filling a police report
Consumer complaint received 2019-05-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (MN)

I have a student loan with American education services. My loan is past due 19 days. I have a payment set up to pay my past due balance on the loan dated 3 days from now. I am the only one that pays on the loan every month. American education calls and HARASSES my co-signer, which is my elderly grandmother. Its one thing to call and let my co signer know that my loan is past due. But they don't provide any account information such as pending payment, account activity, etc. And she has every right to know that information, especially since they are attempting to contact her. They've tried to force my grandmother to pay the balance and enroll in direct debit. This are already things i've done. I talked to a manager XXXX about AES process for a past due account. AES refused to call my grandmother and let her know that there is a payment set up on the account and the main borrower has signed up for direct debit. Its one thing to inform my reference about the past due account but AES constantly calls and agents don't take the time to read any particulars about the account because they call and demand payment as if my loans are severely past due or as if I've defaulted on my loans. I have multiple loan services and AES is the only one that operates in this manner. Management tells me its there process to keep calling and talk to my grandmother the way that they do.
Consumer complaint received 2019-07-06
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. (NY)

I check my credit. I notice that they are some accounts that I did not authorize which is showing on my credit report. this is against the law for someone to steal your information and open fraudulent accounts which I did not authorize, this is truly a stress in my life
Consumer complaint received 2019-07-06
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. (MO)

I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXXs 2 ) XXXX XXXX XXXX 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX {$8400.00} 8 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
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)

I ordered the cable and internet service with the XXXX XXXX company without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.
Consumer complaint received 2019-05-14
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 (CA)

Misleading billing practices. BofA charges me an interest of {$38.00} for a paid purchases. False advertising for a balance transfer promotional offers. Please check your records for XX/XX/XXXX and XX/XX/XXXX Statements to correct this issues. Tried to resolve the issues via telephone with the agent, they can't give me a correct calculation.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Called from local number XXXX-XXXX-XXXX and threatened to come to place of work for a signature, requiring a supervisor or HR rep from my company present as a witness. Left callback number of XXXX-XXXX-XXXX. Message was a recording, exact wording as such : I'm a private carrier contacting you in regards to a sealed document that requires a signature from you they are scheduled to be delivered and presented to you at a place of employment or residence within the next 48 hours between XXXX XXXX and XXXX XXXX please make sure to have two forms of valid ID and A witness to sign off on the document if you happen to be at a place of employment you will need a supervisor or HR representative to sign off as a witness if you have any questions or would like to place a stop on the service please contact the filing party immediately at XXXX-XXXX-XXXX
Consumer complaint received 2019-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

They are not providing proper verification as well as deleting the false information that does not belong to me. FALSE ACCOUNTS : account number:XXXX account name : XXXX XXXX XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2019-05-15
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

XXXX is listing I owe kohls when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.
Consumer complaint received 2019-05-13
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: SYNCHRONY FINANCIAL (KY)

On XX/XX/2019 I received an email from XXXX XXXX stating that the company SYNCB/WALMART National Credit cards/Airlines had done a hard inquiry. I have NOT try to obtain and credit or loans in over a year and this was done without my permission. This mistake has put a blemish on my credit report and has totally terrified me that this has happened. Ive never gave any kind of permission for them to do this at all. Im asking for your help in getting this taken care of. I have not contacted any body about this issue in fear of what this is all about but I trust you all. 
Thank you for your time and consideration XXXX XXXX
Consumer complaint received 2019-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXXt accounts are preventing me from obtaining a car loan.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (TX)

The company involved is Zions Bancorporation, N. A. The issue is the fraudulent way they go about requesting proof of insurance. I would say at this time, the problem is systemic within the industry. The scam goes like this. Your mortgage company request proof of homeowners insurance for a mortgage. However, they require that it be sent by facsimile only. WHO USES FAX IN THIS DAY AND TIME? I am surprised they don't request a stone tablet. Anyway, it makes it too convenient for the mortgage company to say that they never received the fax. THEN, they charge your mortgage balance for insurance. They don't tell you exactly, and you would never know because your payment never changes but the banks and mortgage companies are pocketing millions in fees. I know because I check my account. ALSO, this is the second time that this has happened with this particular organization. And the last time, they vowed that they would take emails. THEY LIED. All companies I have ever done business with employ these tactics to take advantage of poor and unsophisticated mortgagors. There should be a law against this practice.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (LA)

Identity stolen in 2016. Police report filed. Contacted all companies to let them know I wasn't the one who made purchases. Now 3 years later I've turned over to a debt collection company. Never received any more correspondence from company. This was taken care of 3 years ago.
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (PA)

COMMONWEALTH FINANCIAL XX/XX/2018 Date Opened Collection account. {$530.00} Collections were closed on my XXXX dispute. 
Dispute Reasons Accuracy : The dates on this account are incorrect. 
This account is too old to be on my credit report. 

XXXX dispute has not closed and still is not accurate.
Consumer complaint received 2019-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is the only company that shows XXXX accounts not listed on XXXX XXXX XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report immediately.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc. (SC)

Someone know my last digit social society number I got a mail in where someone try to put something in my name I have call these company and let them know I have not place no order. I don't know if this person got a credit card in my name the ending of the card is XXXX I don't know who the credit card that is. I have seen on my credit report look like someone try to get a loan I have not apply for.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I am not able to use my Amex Membership Reward points ( earned over the last two years ) because my account has  been in " review '' for three months now. I contacted them few times and they never told why it was in review or when the review will be done. It's already been almost 3 months and the only answer they give is that my account is still in review with no reason or timeline.