davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MN)

I have charged {$590.00} for the entire time I have had the card. I have made {$540.00} so should only owe {$47.00}. I tried to do chargeback for lotion purchases that I thought were free from XXXX XXXX XXXX  and XXXX XXXX XXXX for ( {$110.00} + {$85.00} ) on XX/XX/XXXX. Citi advanced refunded me {$320.00} while investigating and then they said I couldn't do charge back because the company said it was too late to return. I am a XXXX year old female that has XXXX XXXX XXXX and forgot to ask my children how to return. Every other credit card company in the past will charge back if customer said they didn't want the product and trying to return except citicard. The people involved were hard to understand because I can't hear well and they don't speak clear English. They are predatororial to seniors and their limitations. I called them with my daughter XX/XX/XXXX, XXXX, and XX/XX/XXXX and was put on hold for 20 to 30 minutes waiting for a rep and then it just disconnects. When I do get one on the phone they confirmed they made mistakes and need to credit back my account but never did, then they charged me {$25.00} late fee when I was few days late thinking they credited my account like they said I shouldn't have a balance. I had no idea. They have violated almost every code there is for the consumers protection. My credit score is XXXX because I always pay off my debt completely and on time. I don't want to keep paying for things that I didn't purchase and they keep charging me even though I closed the account. Please have them resolve this for me asap and please charge them for their illegal charges to my account as well as using schemes to make it difficult for me to rectify.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX  AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report.
Consumer complaint received 2018-06-28
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION (NY)

My complaint is with M & T bank about their 'collection ' calls. I was out of work for 4 months and got behind on my mortgage payments. I am now back to work, getting paid every other week. Even though I have provided a payment schedule to the bank for the next 3 payments, they continue to call me. The calls yesterday and today (XX/XX/XXXX ) were about my XX/XX/XXXX payment being late. I have filled out a complaint form on the M & T website as well. There is no reason to repeatedly call me when the situation or payment schedule I provided is not changing. Their calls and behavior constitute harassment and I want it to stop.
Consumer complaint received 2021-01-12
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. (AZ)

XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. XXXX is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.
Consumer complaint received 2021-01-12
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: GOLDMAN SACHS BANK USA (NY)

Since XX/XX/2020 to Present I have been dealing with fraud on my credit card. Goldman has changed my card number over 5 times and I still get hit with the transactions. I have spent hours on the phone with Apple card support, over the last few months trying to rectify the situation. Merchants are able to charge my new card number after Apple card support changes my card. Customer service and I have confirmed that Goldman is forwarding the transactions but are unable to stop it. There is a complaint in since XX/XX/2020 with no resolution. As of tonight I have been changed another fraudulent charge.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-12
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. (OH)

I contacted XXXX XXXX to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because XXXX did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-12
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-17
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/23 I went to make payment on my credit card and noticed that my credit limit had been reduced from {$8000.00} to {$4200.00}, which was very close to the balance that was on the card. I attempted to reach out to a customer service representative via chat and informed them I was recently released from being hospitalized for 3 weeks from a motorcycle accident. I was informed to call the customer service, which I called twice and was hung up on.
Consumer complaint received 2021-01-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CA)

I have been making payments to this account and have been marked late twice on this account even though it was paid before the 30 days late due to COVID. 
Each month the bill is XXXX and it is due on the first of each month.. 
I had to stop automatic deductions due to Covid and noy receiving a paycheck in the summer. 
One Main would take funds out of the account and rather have it apply to the past due amount, the payment would apply to the current amount. This action causes me to be late on the past due amount as well as cause me to incur late fees. One Main 's website gives an option to apply funds to the past due amount but it does not apply it correctly which causes me to get a late payment on my credit report. 
I have disputed this several times on my credit and have reached out to One Main once in regards to this. I should not be marked late nor do I want to redo this loan, which is what One Main has offered. I do not want this costly form of credit. I just want to pay it off. 
I want my credit report updated and the lates removed. I feel that this is a deceptive practice from One Main.
Consumer complaint received 2021-01-12
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. (AZ)

Today XX/XX/XXXX I received a response back from Experian in reference to a dispute letter I sent to them on XX/XX/XXXX disputing the error on the report of a Bankruptcy that needed to be removed. Their result came back as Verified, although the data furnisher they stated they used XXXX XXXX to verify has removed the Bankruptcy from the my profile which they sent me a letter confirming this information, this letter was attached with the dispute letter I sent in demanding removal. I called an spoke with a XXXX XXXX at Experian disputes and he states he was not able to locate the documents I sent in, although the dispute was clearly opened by the letter I sent in. The representative stated that it's possible the documents could have been lost or not scanned in. I advised this is a serious matter as this pertains to sensitive information and if misplaced or lost this could be in the wrong hands. But the only reply back from the representative was " Yea, I understand, but the decision was made that the item was verified, is there anything else I can help you with? ''
Consumer complaint received 2021-01-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXXXXXX XXXX  XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with prima facie evidence that XXXX XXXX XXXXXXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXXXXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXXXXXX XXXX XXXXXXXX. This is extremely illegal. Most recently I have called XXXX XXXX and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.
Consumer complaint received 2023-01-26
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: Chime Financial Inc (VA)

I rented a car thru XXXX rental on XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX a hold was placed on my card of {$380.00} dollars and was not released after the rental contract. XXXX executive office has removed the hold Chime banking has not. XX/XX/XXXX there was anoth {$200.00} dollar hold that also, has not been released from Chime banking. XXXX has given chime receipts and proof as well as myself.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX  XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ) XXXX account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXXXXXX XXXX- account ending in XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 conviction 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I JUST LOGIN FOR FIRST TIME DOWN PAGE AND SEE THERE IS UNAUTORIZED HARD INQUIRY LEFT BY XXXX XXXX, I DON'T HAVE ACCOUNT WITH THEM OR APPLY FOR CREDIT THROUGH
Consumer complaint received 2021-01-12
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. (OH)

XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXX and XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXXd XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX  of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

My credit is constantly getting ruined by navient. Ive made two complaints against them And theyre stating theyre not reporting information to the credit bureau when my credit score just dropped another 59 points on XX/XX/XXXX. Theyre reporting changes on loans that are incorrect. There should be no changes reported because theyre protected by the cares act and the amount reporting is incorrect.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Midwest Fidelity Services, LLC (VT)

This was a debt from literally 8 years ago the company lied and said that this was a debt from last year which is a XXXX lie ... I tried disputing the credit history on XXXX XXXX and they investigated it and XXXX XXXX claims that they arent making any mistakes either and the dates are not accurate
Consumer complaint received 2021-01-12
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. (OH)

XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXX and XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc (GA)

XX/XX/2020 An debt validation letter was sent to XXXX XXXX XXXX that is reporting a debt to the credit bureau. XXXX XXXX XXXX did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that XXXX XXXX XXXX did not verify the debt they say I OWE THEM
Consumer complaint received 2021-01-12
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. (LA)

I am showing multiple inaccurate information on my credit report. I contacted the creditor and they gave me information about the open account. I have no knowledge of the account. I did not authorize to open this account.