davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OK)

With my consent Home Depot opened another credit card in my name as I was making a purchase. I did not realize the material was charged to this new account, and missed seeing the bill. I was a week late for the {$15.00} charge. I was charged a late fee equal to my original charge, plus {$2.00} interest. I did not make time to dispute this late charge, and realizing I was late went to Home Depot to pay the bill, but Home Depot 's system only allowed me to pay {$15.00}, so I incurred another late fee. I attempted to resolve this with the bank ( Citi Bank ) and they refused my request to waive the original {$15.00} charge or to make it reasonable ( for example {$3.00} ). As it stands I have incurred {$6.00} extra charges for which they were willing only to waive {$2.00}.
Consumer complaint received 2019-02-01
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)

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

I was going over my credit report when I noticed a Item that was not authorized and i would like it to be removed. 
XX/XX/XXXX Experian, XXXX, XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX  XX/XX/XXXX {$670.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$480.00}
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I have been working with XXXX XXXX  for over one ( 1 ) year to have them correctly calculate my number of qualifying payments I have made under my Public Service Loan Forgiveness. I keep being told that my account is under review and this has been repeated for over one ( 1 ) year now. I have two loans that are in consolidation under PSLF. On my online account of XXXX XXXX, it states that on the 1st Loan I have made 59 out of 61 qualifying payments and on the 2nd Loan I have made 44 out of 76 qualifying payments. These numbers are inaccurate. First, the qualifying payments are different on each loan. Second, I have documentation from XXXX XXXX  confirming my Employment Certification that I have provided to XXXX XXXX  over the years, and these numbers are different. Please see below : XX/XX/XXXX = 26 qualifying payments XXXX = 8 qualifying payments XXXX = 15 qualifying payments XXXX = 8 qualifying payments XXXX = 17 qualifying payments In total, this is 74 qualifying payments I have made under my PSLF plan. XXXX XXXX  has this documentation, so I am confused as to why it is taking them over one ( 1 ) year to calculate the correct payments. In XXXX of this year ( XXXX ), I will be providing my annual employment verification which will show another 12 months of qualifying payments under PSLF. 

My calculations show that as of XX/XX/XXXX, I should have 74 qualifying payments, which leaves a remainder of 46 qualifying payments. Again, XXXX XXXX has all of this documentation. I need my online account to accurately reflect the amount of qualifying payments I have made, because I am more than half way completed with the 120 qualifying payments required ; however, my account does not reflect this. 

I have tirelessly attempted to have XXXX XXXX update my account to no avail.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (VA)

The lender worked for Cross Country Mortgage and was late getting the documents needed for the condo, he would not reply to the Title agent, the insurance agent, and I had to ask for an appraisal for 2 weeks or more.

After securing 3 extensions per the lenders request, he still missed the deadline. All without providing specifics for reasons why. The inspection was provided on the XX/XX/XXXX, yes XXXX, this is not a type, and I called him that day to let him know the outcome of the inspection which went well. Monday when he came back from vacation he asked if things went well. On XXXX he informed me that the condo did not receive approval and wanted to speak to which I stated that the seller is no longer providing extensions and did not want to work with such an unresponsive company.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC. (CO)

My former employer offered an Optum Bank Mastercard for health flexible spending AND transportation ( parking, bus, light rail ). The funds loaded to the Mastercard were deducted from my paycheck. My employment was terminated XX/XX/XXXX. At the time of my termination there was approximately {$1600.00} available for transportation expenses. 

Sometime around XX/XX/XXXX I called Optum Bank to find out if the funds could be sent to me via check, minus taxes since it would have been income. I was told it was not possible BUT the funds would remain available for use indefinitely ( until depleted ). I did not have an opportunity to use the Mastercard for parking until XX/XX/XXXX. The card was declined presumably because it was expired. 

On XX/XX/XXXX, I called Optum Bank to ask for a new card. I was told the account was closed upon my termination and the funds were returned to my former employer. I asked for proof that the funds were returned to my former employer and was told by a supervisor XXXX XXXX XXXX " we don't have records going back that far ''. He said I needed to contact my former employer. Contacting my former employer is not an option.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

In XX/XX/XXXX, a credit intervention letter was sent to Equifax in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XX/XX/XXXX, a credit intervention letter was sent to XXXX  in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2020 I attempted to make a cash depose at a regions ATM at XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX, aroundthe XXXX XXXX. 
I tried to deposit the cash, {$400.00}, XXXX my checking account. The machine spit back XXXX, the machine continued to act like it was going to return my money. It didn't give it back, but it then said report to your financial institution the error. I then drive to the bank next door at 5 minutes till XXXX XXXX. I called the lobby number on the door let it ring for a solid 3 minutes. There was no answering service and no one picked up.so I drive to the drive thru, where the atm is located. And reported the incident.where I was told it's Not their atm and it will be Next week before they decide if any extra money in the atm is mine. Totaling XXXX. 
She alsosaid it Will take another week to have it investigated, and then I'll get a letter in the mail to let me know if I am owed My own money. Then I will have returns to me. 
I feel like. It should not take up to a month to get my money their banks atm ate.i also think they should have immediately watched the video or checked to see if I was indeed trying to make a deposit. This is ridiculous.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

I received a letter from Synchrony Bank ( Care Credit ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have actually had a XXXX balance on this card for a year. When I called they said that they closed my account for non use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called XXXX. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX   balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.
Consumer complaint received 2020-07-29
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: National Credit Systems,Inc. (GA)

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2020-07-29
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. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert inXX/XX/XXXX and that was deleted along with fraud alert.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C 1681c. ( a ) ( 5 ) Section St
ates : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-29
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 (GA)

Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

I have contacted Bloomingdale 's customer service department four times about this matter and I have been continually lied to about this matter being resolved on my next statement. It still is not resolved four months later. With this letter I am asking for your help in finally resolving the issue. 
I put jewelry charge of {$4000.00} ( {$3700.00} after using {$220.00} worth of rewards cards ) on my club account on XX/XX/2016, but returned the jewelry on XX/XX/2016. The credit was applied to my regular revolving account by the sales person even though I asked her at the time to make certain that the return be taken off the club account. Ever since my XXXX statement, the charge has appeared on my club plan with a balance. 
After every monthly statement received, I have called, spent an hour on the phone with customer service. I am promised that the charge on the club plan will disappear and everything I 've paid will be re-routed to my revolving balance or my other club balance. My newest statement still has the charge and nothing has been credited to either the other club plan purchase or the revolving side of the account. 
All this time I have been paying for something I returned in XX/XX/XXXX and all the money I 've paid is being diverted from balances to which payments are intended. A customer service person even LIED to me and told me the charge had just been credited the day before when I called at the end of XX/XX/XXXX after I received my statement.
Consumer complaint received 2015-04-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.
Consumer complaint received 2021-02-13
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. (WA)

Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my XXXX  credit report as proof of my claim.
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: United PanAm Financial Corp. (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery a/ XXXX  XXXX XXXX XXXX XXXX opened XX/XX/17 & XX/XX/17, I paid this account off, XXXX & XXXX is showing on my report that I owe but I don't
Consumer complaint received 2021-02-13
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 XXXX XXXX XXXX BALANCE {$750.00} XXXX XXXX XXXX BALANCE {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.