davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-28
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. (PA)

i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX Experian  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I purchased a package of 15 Coolsculpting cycles from XXXX The total package was {$13000.00}. I paid {$3400.00} on XX/XX/2021 and I paid {$4000.00} on XX/XX/2021. I used 7 cycles, two of those cycles never properly attached to my skin and the tech noted that in my file. I tried to get a refund for the 8 remaining cycles and they refused to refund my money. Reflections response : XXXX, We have to pre-purchase the cycles, so they are non-refundable. I will be happy to get you scheduled for the remaining treatments at your convenience. Please let me know if you have any questions. 

Im not happy with the cycles that I received. 2 cycles which never attached to my skin which caused my abdomen to be uneven and it takes three months before you see results. 
On XX/XX/2021 I disputed the {$4000.00} charge from XX/XX/2021 and BB & T declined my requested because the disputed I submitted wasnt reviewed by someone in Fraud Protection by the deadline which put it over the deadline. I dont feel like its my fault as long as I disputed the charge prior to the deadline. Ive made several attempted to discuss this with BB & T and the issue still remains. There were a couple other charges I disputed around this time that were never resolved either. XXXX XXXX XXXX XXXX XXXX XXXX  and to be honest, I didnt really think or have time to go over my bank statements. At the time I wasnt worried about bank transactions. But when I was able to go over my statements, there were a couple of issues, a charge for a hotel that I was charged twice for, totaling {$860.00} and another duplicate charge from a moving company totaling XXXX.
Consumer complaint received 2019-11-28
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)

I found out my identity was stolen and credit cards open on my behalf. 
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account. 
I asked XXXX, XXXX  and equifax to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Yes all three credit reporting companies have a low low credit score for me... the problem is I have alot of paid off debt with little to no missed payments ... I recently applied for credit with a company and they responded to me with a question asking me why my credit scores are so low that I have a lot of paid off debt and that he has never seen someone with the amount of paid off debt have such a low score ... I was told that I should seek assistance with the problem because it's causing me a lot of damages
Consumer complaint received 2022-01-03
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Chime closed my account without notice due to suspicious activity. I believe the suspicious activity they are referring to is that I changed my last name after getting married, changed addresses, and transferred money to my XXXX XXXX Joint account with my husband. They are not specifying what went wrong and they are holding onto my money which is illegal.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Made a deposit at the U.S Bank ATM at XXXX XXXX in XXXX XXXX, CA. 
The ATM instead disbursed an error receipt, which read A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. PLEASE CONTACT XXXX SO WE CAN ASSIST IN THE RETURN OF THESE ITEMS. 
I called, they opened a claim that they said would take XXXX days to get to, and if I needed immediate assistance with credit to my account to walk into my local branch. 
I drove over to the XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Branch XXXX, XXXX XXXX. 
She was very rude in assisting us, and did not answer questions I had. Instead told us the XXXX or XXXX number given they unfortunately always send people to the branch thinking we can help and we can not. I asked her the vendor/third party who services the US BANK ATM XXXX and she she why do you need that information? I replied, is it in your policy to not give that information? She replied, The third party vendor is irrelevant to this situation! I replied, it is of relevance to me. So again, is it in your policy to not provide that information? XXXX replied, I am sorry but I can not help you with your situation. 
I am disappointed at the customer service and lack of help. With other banks, they credit you while in investigating the issue, as in this situation it is not the customers fault. Whoever the third party is that maybe services the ATM dropped the ball, and now I am out of funds because I trusted the US BANK name.
Consumer complaint received 2020-02-05
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. (AR)

I went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2024-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX ) Mid XX/XX/2024 -- Bank of America REDUCED my business credit card limit to {$1000.00} from over {$47000.00} on company credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Early XX/XX/2024 -- Bank of America REDUCED my XXXX business credit card limit to {$1000.00} on company card for XXXX XXXX XXXX XXXX When I inquired for the reason the credit dept claimed that I had too many credit inquiries on my credit report -- BUT REFUSED to provide any documentation to justify their decision.
Consumer complaint received 2023-02-23
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. (NC)

These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have a XXXX XXXX MasterCard that has larger balance on it. We were approved for a credit card with XXXX XXXX that had a promotional 0 % interest on balance transfers for a year. Perfect by not dealing with interest we can easily pay off the balance. The balance transfer, {$4700.00}, was approved on XXXX XXXX XX/XX/XXXX. Today, XX/XX/XXXX, I checked and that amount has not been applied to the XXXX XXXX card. When I contact the company I am being told it could take up to 4 weeks to be applied. I have transferred balances in the past and NEVER had this issue with other companies. So even though XXXX XXXX has been paid I am still paying interest on a balance that should not be on that card any longer.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  BANKRUPTCY XXXX XXXX ACCT # XXXX 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 2022-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I keep getting bills from Lockhart , Morris & Montgomery , Inc and XXXX XXXX XXXX. 

I received a letter, I called and they have info on the account number they provided on the letter. No one can tell me what services were provided. What I am being charged for. 
I requested a copy of the bill and services provided, I was told they would have to request those doc 's and then tried to pressure me into paying {$470.00}. 

I need help .... I do not know why they are billing me and adding this to my credit bureau report. 

Please help!!!! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
Consumer complaint received 2022-01-03
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. (GA)

I've contacted XXXX/transunion over 10 times and sent in many disputes and this public record have not been deleted even after giving them the proper paper work.The Reported Negative and Defaming information starting XX/XX/2020 on my credit report. I've sent in and debt validation letter and have not received a response with the requested all investigation.They only thing they said was we verified with XXXX. I've contacted XXXX XXXX regarding this matter and XXXX seemed to removed it off my report because it was unverifiable. Now XXXX/transunion have no right to furnish this information. I've sent in all letters receive from XXXX XXXX XXXX, and the courts. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2024-02-18
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: Experian Information Solutions Inc. (LA)

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, the unverified and unauthorized items must be removed. 

Inquiries such as : 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
Consumer complaint received 2022-01-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX a charge for XXXX and a charge for a spa was on my credit card with Bank of America. I contacted Bank of America to dispute the fraudulent charge, however I would like for you to look further into this as I have been a recent victim of fraud.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

Mohela took over servicing of my loan. 
The XXXX payments started in a XXXX status even though I have always been on XXXX XXXX with XXXX servicer and set this up with Mohela. 
I have gone into their portal and paid the past due and yet I continue to get new and different past due notices. 

I have tried to reach Mohela XXXX  times via phone. After waiting for over an XXXX I was told that they don't know how to help and had to transfer me back into a queue where I waited again and was disconnected. 

The hold times for Mohela to ask for help from a human is over XXXX minutes and nobody can answer questions anyway when they answer. 

I want my payment adjusted back to what it was with my prior servicer before it was handed to Mohela. I want an analysis completed as to why it is now different and why it continues to show XXXX even when I keep paying and am on XXXX XXXX. 

I want any and all negative credit bureau reporting corrected. 

Mohela is not capable of handling anybody 's finances and I do not feel safe with them managing my account. This is reminiscent of the XXXX crisis and XXXX  companies that tanked people 's credit. It is predatory and should not be allowed. People deserve to get questions answered about their finances and phones answered without being hung up on. 

I want my loan to go to another servicer. It is unfathomable that the XXXX would allow this to go on in the XXXX. 

Please help!
Consumer complaint received 2022-01-03
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. (TX)

HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-08
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: Bread Financial Holdings, Inc. (TX)

I made a purchase on my New York and Company credit card with the online store. I return a top to them and they received the return in their warehouse on XX/XX/XXXX. However, the store indicates that they received the merchandise on XX/XX/XXXX. I have not received a credit for the shirt as of today. 

I have called New York and Company over 15 times about my credit. The same person answered the phone for all of the calls. I found that strange. I had New York and Company Bank to do a three way call with me to the actual online store. The same person answered the phone again. They told both of us that they are short staffed in the warehouse and were processing refunds from XX/XX/XXXX. 

I called New York and Company Bank today and was told by XXXX XXXX id # XXXX ) and supervisor of XXXX ( id # XXXX ) that I could just missed the payment of {$54.00}. Once they complete their investigation in 90 days that they would give me the credit at that time. I asked about my credit being ruined from the late payments. They basically told me do not worry about it. 

I just paid the {$54.00} so that my credit would not be ruined. I want my refund issued to me in the form of a check.