davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I am very upset as this has gone in since XXXX and as a very good client for over 32 years Amex should not be putting me all of this headache and stress. 
I gave a Dentist {$20000.00} as he asked to be paid up front .It was a big mistake. 
He gave me an estimated treatment plan showing work to be done totaling {$68000.00} on 1st page but we had agreed on {$42000.00} and he circled that on page 2. 
He said he would give me a detailed correct bill all adding up to the {$42000.00}. 
He never did! 
XX/XX/XXXX I discontinued in writing as I realized he was not a good dentist and unprofessional as the very first and only procedure was a tooth extraction in the front of my mouth and it fell out after 2 days .He cancelled 2 appts to fix it in the next 10 days so I could not work or go out with no tooth in front.. 
After I I cancelled the dentist made up fake and fraudulent charges to try to keep most of my deposit!!! 
I only had XXXX {$250.00} XXXX XXXX  {$1800.00} ( based on his own quote ) and 1 XXXX XXXX {$770.00} total work {$2800.00}. 
He should not even get paid for the temp tooth that fell out but I am paying it. 
That is the only amount he is owed for actual work done. 
Then I had to pay for 2 dentists to see me and write reports that cost me an additional {$1500.00} so I could show Amex my evidence and proof. 
I should not have had to do that and Amex should have believed me considering our history! 
I spoke with Amex as its finally being investigated and on my credit card today there still a balance if {$5100.00}. Amex had credited me the rest but they are still investigating the amount of {$6700.00}. 

The amount that I am still owed after what I owe for work done is {$2200.00}. 
{$5100.00} still on my CC- {$2800.00}. work done to be paid to Dentist Bal. {$2200.00} still owed to me. 
If you have any questions about this you are welcome to have a supervisor call me at XXXX. 
Thank you
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I called into fifth third bank to dispute planet fitness monthly charges for XXXX and the rep was very nasty and rude to me. A si was trying to explain to her why I was disputing the charges she was already implying to me how the charges were valid before she even let me finish my statement to My dispute. Then she further said that she had no way of looking up transactions at all. The fifth third app was not working either to allow me to easily search for the transactions either.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC. (NY)

Company waited 51 days after credit pull and 4 days before closing to deny me access to my credit which prevented me from closing on my home. They stated the denial reasons as a foreclosure or mortgage obligation, none of which is listed on my credit report. They also state " other criteria '' and " investor guidelines '' in their denial letter and email correspondence, which are not valid criteria in a consumer credit transaction and are discriminatory. I have also indorsed many documents, given securities, and given access to my estate, and I have not been compensated for my security instruments or my equity in this transaction. In their unfair and deceptive tactics, New American Funding has : 1. Denied me credit based on " other criteria '' and investor guidelines which constitutes discrimination. [ See XXXX-New American Funding Email XXXX and [ See XXXX-New American Funding Email XXXXXXXX ] 2. Denied me based on evidence I have not seen and evidence not on my credit report. 
XXXX. Refused me access to the full report which took away my right to dispute any inaccurate information. [ See XXXXNew American Funding Email XXXXXXXX ] XXXX. Committed securities fraud by taking in a security loan against my personal property and not compensating me. They are also masking themselves as creditors in order to strip me of my status as principal and my entitlement to the proceeds funded by the consumer/commercial paper. 
5. Not giving full disclosure on whether loan number XXXX and XXXX listed on the denial letter and other documents are active loans or loans that were denied. [ See XXXX-New American Funding Email XXXXXXXX ] XXXX. Refused to answer whether any funding has been received, moved, or transacted on behalf of the principal XXXX XXXX. 
7. Pressured me to commit identity theft in order to provide proof of their claim.
Consumer complaint received 2023-11-13
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. (OH)

I reviewed a copy of my credit report and and I noticed that I had 7 late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of Identity and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!
Consumer complaint received 2023-09-07
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (NY)

FNBO, who issues credit cards for XXXX XXXX ( and other purchases ) markets a credit card that gives different levels of cash back for grocery purchases ( 3 % ), Restaurants ( 3 % ), Other than Gas purchases as XXXX and XXXX stations ( 5 % ), and all other purchases ( 1 % ). However, there is no where online or on my statement that tells me what level of reward I have earned for groceries ( and doesn't tell me if a particular store is considered to be a grocery store ). I spoke with XXXX in their customer service department today on XX/XX/2023, who told me that XXXX determines the type of store category with the store. OK, but it should not be a secret. It should be transparent to a customer which category a particular store is in. For example, the online list of transactions tells me that a restaurant name IS a restaurant and that a payment made IS listed as uncategorized because it gets no points. Every other transaction is categorized as EVERYDAY PURCHASE including spends on gasoline and grocery stores. If the company does not want to indicate which stores it considers to be a grocery store online in the listing of reward transactions, then it should have a web page showing an alphabetic list of grocery store names so that a consumer can make " informed '' decisions about how they wish to pay in a particular store. Also, there is no way for a customer to verify that the amount of rewards they received each month is correct -- this should be transparent.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2023-02-07
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: Consumer Portfolio Services, Inc. (NC)

I recently checked my credit report and saw that on XX/XX/2022 a company called " CPS '' ran my credit report. I did not authorized this inquiry. This inquiry has lowered my XXXX XXXX and I fear that my identity may have been stolen.
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (DE)

I purchased my primary home in XX/XX/XXXX for XXXX, I was in a pre foreclosure status and asked for assistance with my home payments in XXXX. They said there was nothing they could do, but once I hit a 90 day late more options for help would become available to me. For months I would fill out information to receive a modification and they would not assist. I then had to go to several mediation hearings, and take my income documents, etc. the same information I was mailing in. This went on for about 18 months, stressed and caused mental anguish. My income was high enough for me to go into a repayment plan or modification, but they kept denying all plans. I believe I was affected by miscalculations in their systems. My property was sold at sheriffs sale for XXXX at the end of XXXX. The home was valued at XXXX ( and has recently sold for XXXX ). I have lost a tremendous amount of equity due to the foreclosure. I was initially XXXX payments behind due to illness ; and just need help with a repayment plan. I have tried to contact them to see when and how much I will be awarded, and they last stated my loan can not be located, per my last call on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MA)

Every month a XXXX XXXX wires money here to my XXXX XXXX account XXXX of XXXX XXXX, TX. It has been done for many years on the XXXX of each month, arriving generally in my US account around the XXXX of the month. Redacting this we are now the XXXX of the month and nothing yet. Did contacted the XXXXXXXX XXXX XXXX and they went through the process to see of any errors, but nothing. 
Have to inform you that International wire transfers to XXXX XXXX have to go through MELLON Bank in NY. Never did I have any issue with the Bank wire transfer. 
I need that money urgently because I have huge medical bills following XXXX XXXX XXXX, XXXX, and now XXXX XXXXXXXX XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-14
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. (TX)

I have requested XXXX XXXX XXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining XXXX major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ). 

I have previously filed a complaint and the response was unsatisfactory as they requested information to process my request, but gave me no sources to submit such information. Therefore, I am submitting my request again, alongside the request documentation.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was sold a defective luggage bag by XXXX on XX/XX/2017. A total of XXXX billing disputes were filed with American Express, the credit card I used to pay for this item, for this transaction amounting to {$140.00}. I rightfully asked for a full refund as I was sold a defective item by XXXX, the merchant. The merchant refused to take responsibility and refused to offer an exchange or refund for this item. I went in person to attempt a return/exchange for this item on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the merchant refused to cooperate and was extremely rude, with the Cashier at times yelling profanities. WIth me unable to work this out with the merchant, a billing dispute was filed. Every single time, American Express refused to assist me in this dispute and found in favor of the merchant without considering my side of the event. A full refund is DEMANDED at this time because I was sold a defective/damaged item by the merchant and the merchant refused to cooperate with an exchange or refund. In addition, this item was sold to me NOT AS A PART OF ANY PROMOTIONAL EVENT. The return policy for this item was 30 days and all of my return/exchange attempts mentioned previously were within that 30 day timeframe.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2023-04-20
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX  Balance : {$12000.00}.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (MO)

While attending XXXX XXXX College in XXXX, WI from XX/XX/XXXX- XX/XX/XXXX, I was coerced into signing loans without full disclosure. They would call me into the office and state " your papers are ready, just sign here. '' It was my first time going to college, I did not know what I was signing. They took out not only Federal Loans and Grants but some Private loans without my knowledge or consent. I am still feeling the effects of this as I am still paying back XXXX private loans they took out for me over 12 years ago. I am not sure what the interest rates were, but a {$3000.00} turned into a {$15000.00} loan after fees and interest. By using these deceptive practices, I was not given the opportunity to come up with an alternative to paying these astronomical interest rates and fees. I signed because they made it seem like they had my best interest in mind and if I wanted to graduate, this was my only option.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.