davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OH)

At approximately XX/XX/2018 XXXX an online purchase was made from my account in the amount of XXXX to XXXX, XXXX XXXX, IL. I Immediately called the company ( approx. six hours after the charge was made ) to cancel my card. Told them there was a fraudulent charge and I'd like to dispute it. They told me to call back in 5 days. I called back in 5 days, 3x that day couldn't get through twice ( was effectively hung up on ) The third try yielded " I'm sorry our systems are down ''. The following evening I finally spoke to a supervisor after countless hours of trying to who asked me a litany of questions regarding my card. They then stated I could wait until they mail me the paperwork or I could fax my own dispute in writing, which I did in triplicate within the hour. Couldn't get a hold of the company for another two days. When I did they told me they had received the fax and everything appears to be in order and the investigation was ongoing. This was 12 days ago when this all started. I have not been able to contact anyone further at the company that can tell me anything and they have not provisionally credited my account, money which they know that I need.
Consumer complaint received 2018-06-10
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. (MD)

On XX/XX/XXXX I received a call from Citi Bank asking if I was using a XXXX car. Someone charged my account twice. I checked my Citi Bank account on line and found fraudulent charges and called Citi Bank back. The charges were from XX/XX/XXXX-XX/XX/XXXX for {$2400.00}. I paid off what I owed and locked the account. The balance was {$0.00}. They did remove the charges except a revolving charge of {$49.00}. They continued to allow this charge on the card. I was given a new card with a new number and they allowed the {$49.00} to continue. I have called then over 30 times or more. The last charge of {$49.00} was XX/XX/XXXX. I am now being charged late fees, interest on the account and the original fee charged of {$1.00}. The interest includes the amount for the fraud items charged from the start. My new balance is {$190.00}. Citi has reported my payment late. I have been talking with supervisors in the fraud department and can't get this resolved. On XX/XX/XXXX I was told the balance will be cleared and my credit report will be updated, and I would receive a call when completed within 3 days. I haven't received any call and the current balance has increased. They didn't do anything, no call back either. They have not cleared the account and I get e-mail messages they have unlocked the account.
Consumer complaint received 2018-06-10
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)

Equifax was notified by XXXX XXXX in XX/XX/XXXX to remove an hard credit inquiry made as the result of id theft / fraud. As of XX/XX/XXXX Equifax still has not removed the incorrect information which has adversely affected my credit score.
Consumer complaint received 2018-06-10
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. (GA)

Equifax declines to forward me any documents bearing my signature from any party involved ; and won't send me name of false verifier either ... I settled debts with original creditor which is XXXX XXXX XXXX, yet the three accounts were still sent to a collection agency ( XXXX XXXX  ) ; and Equifax declines to cease from reporting this inaccurate information and will not remove it ... They are violating F.C.R.A. law and my rights ... I have written and disputed them on three occasions to no avail ... and now I may have to seek litigation against all parties involved, because I can not get any documentation from anyone ... {$120.00}, {$55.00} and {$170.00} are the fraudulent amounts that were paid, but evidently not recorded or something ... I have also reached out to XXXX XXXX XXXX, and was told that XXXX XXXX   should not have an account for me, because it was paid ; so I called XXXX XXXX  and was told that it was nothing they could do, but settle the debt with me, and XXXX XXXX XXXX would not provide me with any documentation to send to them. How unfair and unjust this is!
Consumer complaint received 2018-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX calls repeatedly all through the day ( robo calls ) XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (TX)

Dear Sir or Madam, On XX/XX/XXXX I inquired about a home purchase with XXXX and my credit was pulled for a USDA loan only. This credit inquiry is currently showing on my credit file as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got another inquiry from their preferred lender, Calcon Mutual Mortage via XXXX XXXX also known as One Trust Home Loans. I immediately called them and told them not to access my file again and to remove the inquiry. XXXX XXXX advised me that the inquiry would only count as one and that he could not use the fie obtain thru XXXX XXXX although they are located in the same office. On XX/XX/XXXX the lender again accessed my credit file without my permission this time showing up as XXXX XXXX XXXX via XXXX XXXX. 

On XX/XX/XXXX an email was sent stating I wanted to cancel my application with this company due to numerous lies I had been told up to this point regarding the home, the loan etc.. The company responded by sending me a statement of change letter on XX/XX/XXXX stating my application has been withdrawn. 

On XX/XX/XXXX the company again accessed my credit fraudulently, without my permission this time using the name XXXX XXXX XXXX XXXX XXXX. 

On XXXX I was advised that XXXX XXXX could not approve my USDA loan but was able to get my approved for other loan types that I did not give him permission to inquire on my behalf for. My earnest money was refunded to me on XX/XX/XXXX and I have not had further contact with this company. 

I'm filing this complaint to have all unauthorized inquires removed from all reporting agencies immediately or I will be forced to file a police report. 


thanks in advance
Consumer complaint received 2018-06-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC (NY)

On or about XX/XX/XXXX I applied and received an equity line of credit from XXXX XXXX XXXXfor {$83000.00}. In XX/XX/XXXX I lost my job. I made payments on this account until XX/XX/XXXX. I was not able to find full time employment until XX/XX/XXXX. In the interim my account fell into arrears and was forwarded to collections. In XX/XX/XXXX ( once I became employed again ) I applied and received a mortgage modification with XXXX XXXX. I then contacted XXXX XXXX XXXX. XXXX XXXX  had gone bankrupt in XX/XX/XXXX/XX/XX/XXXX. I was told to contact XXXX XXXX, a collection agency, ( XXXX   ) XXXX and spoke with a XXXX XXXX XXXX. I agreed to pay {$350.00} per month. In XX/XX/XXXX my account was forwarded to XXXX XXXX XXXX, all the while I am paying the agreed upon amount of {$350.00}, the account was current. My account was with XXXX XXXX XXXX until XX/XX/XXXX when my account was forwarded to LoanCare. My XX/XX/XXXX Payment was returned stating the payment was insufficient. In XX/XX/XXXX I contacted XXXX XXXX XXXX   and was informed by rep. XXXX XXXX  that my account was {$20000.00} in arrears.

Upon receipt of my XX/XX/XXXX payment rejection I attempted several times to contact LoanCare via telephone ( XXXX  ) XXXX and ( XXXX ) XXXX.This occurred during the week of XX/XX/XXXX. If someone did answer the phone I was either transferred to a number that rang that no one answered or the call was disconnected. Later that week I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) and was told the minimum payment that would be accepted would be {$700.00} per month and despite making an agreement with the initial collection agency- XXXX XXXX  and never missing a payment my account was even more in arrears than in XX/XX/XXXX.

This communication is sent to complain about this situation and to question what happened to my original agreement with XXXX XXXX XXXX? I have been paying this account for the past 4 years and yet the debt is deepening. I am demanding an answer from Loan Care and I need this answer in writing not a series of disconnected phone calls.
Consumer complaint received 2018-06-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (OR)

On XX/XX/2018 I received a " pre-qual '' letter from Sovereign Lending Group quoting a {$270000.00} loan, estimated new P & I payment of {$1100.00}. The paragraph under these figures states "... call XXXX... to secure a low fixed rate. '' Since this represents an interest rate of about 2.8 %, I called. The loan representative, XXXX, went through the entire application process, including credit checks for my wife and myself, even after I told him what our current rate is --

3.875 %. After more than 30 minutes on the phone, the rate he finally quoted me was 3.75. I guess I'm old school -- when a letter quotes
a figure, I still assume it's true. Bad mistake! My take on this is, this is a fraudulent bait letter which cost me -- and XXXX -- a lot of wasted time. Shouldn't there be some sanctions on this company?

Thank you!
Consumer complaint received 2018-06-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (MD)

I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I  called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.
Consumer complaint received 2017-09-08
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. (IL)

My information was affected by the large hack of Equifax. I do not know what impact this will have on my long term financial well being but in the short term it will absolutely affect my ability to obtain credit as I will be be placing a freeze on my credit.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-06-10
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. (IL)

To Whom It May Concern, On XX/XX/2018, I filed a request/dispute with Equifax, and XXXX   via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - Equifax, and XXXX  then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number xxxx within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX ) from their records, I feel Equifax is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the Equifax is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at Equifax, and XXXX
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In an effort to learn my pre-approved rate on a personal loan with XXXX XXXX XXXX, XXXX XXXX XXXX did a hard pull on my XXXX credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

In an effort to learn my pre-approved rate on a personal loan with ONE MAIN FINANCIAL, ONE MAIN FINANCIAL did a hard pull on my XXXX  credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (IL)

I called the XXXX XXXX number, which comes up as XXXX and no human being answered me. they call me every day on my work phone and it's always a robot claiming they're calling about debt collection but won't name anyone who actually owes everything. This distracts me from doing my job and it's every day, they even leave robotic voicemails.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express advertises a promotional offer to its customers through its branded travel division termed the " Fourth Night Complimentary Offer. '' However, the characterization of this promotion is purposely misleading, because AMEX customers do not actually receive a complimentary night ( or nights ), or an equivalent financial savings. 

I contacted AMEX with this written complaint ( attached ) and it responded with an e-mail robo-response directing me to call its AMEX platinum travel.
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MS)

XX/XX/14 Belk Dept. Store {$2200.00} Balance I opened an account at Belk and the credit limit started around {$800.00} and was increased to {$2200.00}.

I had perfect payment with Belk for several months or for a year, I can't remember now.

My card was stolen, and I found out later that it was stolen by an individual named XXXX XXXX.

I spoke with manager, and then talked to Belk Credit several times about this, but nothing was ever done
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Filing a complaint based on the recent Equifax data breach. 

1. Learned of Equifax breach yesterday evening ( XX/XX/XXXX ). 
2. Checked today ( XX/XX/XXXX ) on the Equifax site that my SSN has been compromised. 
3. Enrolled in their XXXX program ( with an enrollment date on XX/XX/XXXX ). This is really unacceptable we have to wait this long for service. 
4. Attempted to sign up for credit freeze but they will not waive the {$10.00} fee ( outrageous that they are charging money for a service that is a direct result of their incompetence ). 
5. Filing this complaint.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TN)

Equifax is one of the 3 major credit reporting agencies, and utilizes my information ( without my consent ) that can have a dramatic negative impact on my life. It appears they failed to protect consumer information, and, when they were hacked, executives sold off stock before even notifying the public ( insider trading? ) of what had happened. The notification that they had been hacked and that about 50 % of the adult population 's information was at risk took more than a month, which is more than enough time for identity thieves to wreak their havoc. Furthermore, to even check to see if your information had been compromised, they required agreement to an arbitration clause. Equifax 's actions are disgusting, and clearly they failed in their duty of protecting people 's identifying information. They should be disbanded, executives jailed, and we as a country seriously need to look at how much credence we give not only to our credit reports but the use of archaic SSNs which are easy to steal and thus use to destroy someone 's life.
Consumer complaint received 2017-09-08
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. (WA)

Equifax reported a data breach affecting almost 200 million people, admitting to having had inadequate protections in place. In response, Equifax is offering a year of identity protection services - starting next week, and included verbiage in the agreement that negated the consumer 's right to sue ( clearly a XXXX measure ). 

As one of the " big three '' credit reporting agencies, Equifax should have had better data security in place, and should not be removing consumers ' legal options in the aftermath of such a colossal breach.