davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (UT)

Citi bank, Opened a new card for balance transfer, was approved instantly. Card was to be sent out and about a week later, I received a text message that the card had been sent back. So I called the Citi Bank and was told they would resend it promptly, I did not receive the card. So I called back today for info, Turns out they just closed my account and never intended to send out my card. Took me 30 mins on their customer line and dealing with reps that clearly didn't speak XXXX. This is a hit on my credit report, and I never got my card and instead was offered to reapply to their garbage company.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022, XXXX XXXX furnished on my credit reports with XXXX, XXXX, and Experian that my account with the number XXXX XXXXXXXX was charged off. According to the IRS, when a debt or an account is charged off the account needs to be reported as income by the lender and borrower. If this account is supposed to be recorded as income for tax purposes then by default it is inaccurate to be furnished on my credit reports as these reports do not furnish income. I sent letters to the credit reporting agencies XXXX, Experian, and XXXX to have these inaccuracies corrected but have not gotten this resolved.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

My loan were with federal loans. I submitted pw to them in XXXX or XXXX to see how many payments would qualify under the temporary forgiveness program that ends XX/XX/XXXX. Every month contacted and monitored progress. Still in XXXX many of my payments were saying waiting employment verification. I have been with the same employer for XXXX years. So it makes no sense. I emailed them and never heard from anyone. I XXXX XXXX them and nothing happened. All of sudden in XXXX they send letter that my loans are getting transferred to mohela. They just got transferred two weeks ago and I resubmitted my forgivenness form because it showed that I didnt have one on file when I did have one on file. I have waited forever on phone to speak to rep to no avail. Yesterday my forgiveness payments were loaded and still says that many are not eligible or waiting on employer verification. I would appreciate some one helping me to solve this problem. I will need to restart payments in XXXX but i do not think I need to. I do not want this to affect my credit if I dont pay. Please help. Thank you XXXX XXXX
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # XXXX has violated my rights. 

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
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2022-10-20
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. (OH)

In accordance with fair credit reporting act XXXX  account # XXXX, account # XXXX, has violated my rights.

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
Consumer complaint received 2022-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On the following dates XXXX and XX/XX/22, Capital one unlawfully obtained my credit report without my permission which is violation of the fair credit reporting act 15 USC 1681b. According to the FCRA as a result, Capital One is liable to me actual damage or statutory damage up to {$1000.00} and punitive damage for each inquiry.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I authorized a third party to send a letter on my behalf to correct personal information on my credit consumer profile, and I provided a copy of my drivers license for proof of address along with a copy of my social security card for secondary proof of identification. Transunion responded by sending me a letter stating they did not believe I sent the letter or an authorized third party to send the letter. On XX/XX/2022, I spoke to 3 different representatives in attempt to verify that this had taken place with my authorization, I accurately answered all security questions that were asked of me to verify my identity. After verifying my identity I stated the the representatives, to please refer to the notice that was sent in act in good faith to ensure that my consumer profile only contains accurate, current, and complete information. Each representative began asking me questions about alleged inquires, and alleged accounts within my consumer credit profile. I kindly repeatedly stated, I called in today strictly to verify my identity to verify with TransUnion the written communication was authorized by me for all other information please refer to the written communication In which all necessary information has already been provided One representative even denied ever receiving the letter, and once I responded why did you all send me a letter then if you did not get the letter that was mailed out to you and the representative blatantly hung up The representatives were very rude customer and spoke in a bully like manner by only allowing me to speak once they felt like I would give them the answers they wanted, all 3 representative I spoke with carried on in this manner, the second rep I spoke with was the rudest, after I didnt give her the information she wanted me to validate ( she was attempting to get me to validate allege accounts within my consumer profile ) which was not relevant to verifying my identity she became upset & continued to talk over me, I then asked what her name was & she hung up on me, and after all of this my personal information is not reflecting what is accurate, true and complete
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

On XX/XX/2023 : {$390.00} was sent to Zelle account under XXXX XXXX. I had reached out to an individual on XXXX to buy concert tickets. After the money was sent I was expecting to receive the tickets, but the individual sent that they needed more money to transfer the tickets into my name. I declined and asked them to send me the money back and requested via Zelle to which I have not received anything back. Zelle has no feature in order to dispute this.
Consumer complaint received 2016-06-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (OK)

XXXX XXXX from NP Group called me today XXXX/XXXX/XXXX. she claimed i had up to {$3000.00} from loans that i have not take. she claims that money was deposited into my XXXX XXXX account ending in XXXX multiple times. XXXX she claimed on XXXX/XXXX/XXXX and XXXX in XXXX XXXX. I got in contact with the bank and verified that was my account at the time and had them email me the statements from XXXX XXXX to XXXX XXXX there are no deposits from the companies she claimed i took loans out with. She did not identify as a debt collector. The only payday loan i have taken online i have paid back in full. These supposed payday loans are not on my credit report either. this is the first i have heard about these so called loans. XXXX XXXX told me to go to XXXX ( already a red flag for the site ) and gave me XXXX numbers to look up, XXXX the info on their site has XXXX numbers that pull up no info. only XXXX of the supposed loans are in the time frame of the bank account being opened
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  XXXX XXXX Account XXXX XXXX has violated my rights. 

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 an account without my written instruction.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( XXXX ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Inquiry : XXXX XXXX XXXX XXXX XXXX. Incorrect Accounts : XXXX Account # xxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxx XXXX, XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX, XXXX BANK Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account # xxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, XXXX - XXXX XXXX Account # xxxxxxxxxx XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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 an account without my written instructions. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not accurate.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I took a balance transfer loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX mastercard for {$130000.00}. I mistakenlyhad XXXX mail the loan to my Capital One ( CO ) credit card instead of 3 intended recipients including CO. I checked with CO daily`for arrival of the check and was told, if received, it would post within 24 hours. On XX/XX/XXXX, I was told that the check was received by CO on XX/XX/XXXX but was not posted till XXXX. On XXXX, I explained to CO that check was intended for 3 recipients and to please ACH or mail the excess funds to me. I talked to numerous reps including supervisor XXXX and I was told I had to wait 15 business days and then the check would be mailed in about 10 business days. They could not expedite it. I gave them recorded verbal authorization on XXXX for the check to be mailed. On XXXX, I called CO talked to supervisor XXXX to see if waiting time could be reduced as my other 2 intended recipients needed to be paid. She said the wait is in process and could not expedite. On XX/XX/XXXX I talked to supervisor XXXX from CO to find out my prior authorization from XXXX to mail check could not be found and I had to reauthorize which I did. I asked him to email me their wait policy or find it on their website. He said this was internal policy and could not share it. I told him as I had told others of CO all they had to do was contact XXXX  to verify I and the funds were legitimate. I also told them XXXX and XXXX where I have credit card accounts would mail me refund checks promptly without wait as this was not universal policy. I am still waiting for my check while I am currently paying over 8.5 % in one account and close to 16 % in another account that I would not have incurred if I had received timely refund.
Consumer complaint received 2022-10-20
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-10-20
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MA)

The Merchant XXXX XXXX XXXX XXXX XXXX  1 ) Advertised and contractually wrote " Guaranteed Lowest Price After the Sale '' but has refused to Honor the contractually agreed upon terms. 
2 ) " XXXX XXXX XXXX '' incorrectly & illegally charged double ( me and the manufacturer ) for the same product and sat on the money for several months committing bank fraud, and a Ponzi Scheme profiting from duplicate payments for the same products and forcing the Consumer to give this business an interest free loan. In effect Cooking their books. 
3 ) The Card Issuer Synchrony Bank Mishandled the Dispute process multiple times. Federal and State Banking regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute. Synchrony Bank failed to comply with these reg 's and laws multiple times. 
4 ) The Merchant XXXX XXXX XXXX XXXX XXXX  responded to totally irrelevant and off-point matter ignoring the basis and facts of my dispute and offered only irrelevant responses which mad them and Synchrony Bank XXXX Out-of-Compliance '' with the 60-Day Response requirement rule. 
5 ) Synchrony was there fore required to return a decision in the consumer 's favor and credit the dispute as filed. They failed multiple times.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (UT)

To Whom It May Concern at American Express and the Consumer Financial Protection Bureau, I am writing to formally request a direct Phone conversation with a dispute resolution specialist regarding multiple credit card disputes that were not resolved satisfactorily. Despite providing necessary documentation and information, the resolutions were made predominantly in favor of the merchants based on incomplete assessments by AMEX staff. 

1. Dispute XXXX ( XXXX XXXX ) : A goodwill credit of {$1800.00} was issued under the incorrect assumption that partial repairs were completed on my vehicle. In reality, no such repairs were made, and the actual repair costs amount to {$9800.00}. It appears there was a misunderstanding about the engine replacement which never occurred. As shown in the mechanics letter. 

2. Dispute XXXX ( XXXX ) : I submitted a return receipt showing the item was indeed returned, along with confirmation from the merchant that a late return was permissible due to my being in XXXX. This evidence seems to have been overlooked. 

3. Dispute XXXX ( XXXX XXXX ) XXXX My room was upgraded, and I have a confirmation letter to prove this. However, the merchant provided a blank picture which AMEX accepted without proper verification, leading to a wrongful decision. 

4. Dispute XXXX ( XXXX XXXX XXXX ) : There is confusion over the transactions and refunds. The merchant refunded {$5000.00} but I applied {$10000.00} downpayment towards the car. I'm still at a net loss of {$5000.00} Each of these disputes contains significant errors in data handling and decision-making that need to be addressed. I am seeking to clarify these issues and correct the records with a specialist who can review all pertinent information and documentation. 

I appreciate your prompt attention to these matters and look forward to resolving them amicably. 

Sincerely,
Consumer complaint received 2022-09-23
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. (KY)

I have contacted LCI and asked them to please remove the XXXX  XXXX and XXXX my private information off their credit file. They said that they needed to verify my identity then they will proceed with my request. I sent them several forms of identification and I still haven't heard back from them. Now all three credit bureaus Transunion, XXXX and XXXX won't remove the Bankruptcys or the accounts that were listed on them. Please remove the Bankruptcys. Please send them a copy of the removal letter. Please send one to me.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It's been brought to my attention that TRANSUNION has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that TRANSUNION provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX XXXXXXXX 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