davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I used my Citibank Thank You Rewards card to purchase a trip on XX/XX/XXXX. We took our trouble but ran into a little trouble with the flight. When we returned I contacted Citibank to dispute the charge, the dispute was entered for the full amount of the charge which was {$1700.00} which was never the amount that I wanted to dispute. What I was trying to do was dispute half of the airfare portion because we missed a half day of our trip due to airplane trouble. A provisional credit was given for {$1700.00}, I called and stated that the amount wasn't correct, another credit was issued for {$1700.00}. That two credits and someone must have realized it and reversed one. This left one provisional credit of {$1700.00}. The dispute was then closed because XXXX XXXX didn't agree, in the meantime I made two payments of {$890.00} which totals {$1700.00}. When the dispute was closed, I had it reopened explaining that all I was trying to do was get {$490.00} which is half of the airfare, when the initial dispute was denied it was fine because all I would have owed Citi is whatever I charged while the dispute was going on. What Citi did was instead reversing the {$1700.00} credit, they rebilled me {$1200.00} which to means they were crediting the {$490.00} as requested, that is the difference between the provisional credit of {$1700.00} and {$1200.00}. They are trying to tell me I still owe {$1700.00} and that is not correct and I am unable to understand why I can't seem to get these people to understand that. I contacted the Office of the President at Citibank and spoke with a XXXX XXXX who stated she would have this issue resolved and I have not heard back from her aside from a voicemail she left at my home on XX/XX/XXXX that said nothing about what was being done. I called Citi again today and was told that XXXX XXXX noted my account that the investigation was closed. How can you close something without advising the client and also the situation has not been resolved.
Consumer complaint received 2021-12-30
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 have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.
Consumer complaint received 2022-02-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2023-02-03
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)

XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. Thank you.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

The Collection Agency MERCANTILE ADJUSTMENT BUREAU , LLC continued to attempt to collect debt that was resolved with the original creditor, XXXX XXXX. After calling MERCANTILE ADJUSTMENT BUREAU , LLC for confirmation, they've refused to update my consumer credit file. 

This company is retaliating against me for resolving the debt with the original creditor, as allowed by the original creditor. 

XXXX XXXX has repeatedly sent the correct information to this collection agency, and they continue to refuse to update my credit file as required by the FCRA ( Fair Credit Reporting Act ). 

MERCANTILE ADJUSTMENT BUREAU , LLC refuses to send to me verification as requested. Attempts to resolve this with the collection agency have been unfruitful. They have blocked by phone number, and will not correct the information, send me the proper information, and send the credit bureau the correct information regarding my account.
Consumer complaint received 2023-02-03
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. (FL)

XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The XXXX of XXXX Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. Thank you.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The person stated that the name is XXXX for Portfolio Recovery. However, the phone number does not bring about a name on my CallerID ; therefore, this number can easily be spoofed. XXXX claimed the the phone number and name of company was legit and wanted me to verify information without proof of who they were.
Consumer complaint received 2020-01-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (WA)

Municipal Services Bureau has continued to call my line of business over the last several months for a debt that I do not owe. 

I have repeatedly asked to be removed from their call lists. The agents say that every call should have a reference # for the debt collection case, but none of the calls I receive state a reference #. The agents also say that they can not ensure that I'll be removed from their call lists without me providing a reference number, even though they have never provided me a reference number. The most recent agents I spoke to were XXXX and her supervisor XXXX. 

Municipal Services Bureau calls me from XXXX and in the calls or voicemails they tell me to call them back at XXXX CFPB, please help this inept organization ( Municipal Services Bureau ) stop calling me.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

in XX/XX/XXXX i wrote to all three credit burueas and explained that national credit systems was responsible to report 100 % accuatre information to the credit aggancys and the did not so XXXX removed it XXXX  and XXXX   have not so i sent and email to XXXX XXXX XXXX to see if they would remove the inaccurate amount i was told they had 30 days but it is well over the 30 days account number XXXX and i did not have a written contract with this company
Consumer complaint received 2023-03-16
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. (GA)

On XX/XX/2023 I send in disputes letters to experian, TransUnion, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I have sent numerous certified letter explaining to XXXX  that the debt is not mine. Every time they have sided with the creditor. XXXX   always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because XXXX  has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically XXXX.
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The company involved is Bank of America. I have been a customer for over 20 years. 
I had a Company Credit Card, XXXX, with Bank of America. The company has stopped operating and credit card account had outstanding balance on the account. No one disputing legitimacy of this debt. 

I had a personal Joint Account ( XXXX XXXX XXXX ) checking account with Bank of America. The account was with my wife as a co-signatory. She did not have anything to do with the Company nor Credit Card account in question. 

Bank of America went in and took all of the money from my personal checking account minus {$100.00} to cover corporate debt. After the fact, I got a letter explaining that Bank of America exercised its right and removed money stipulating vague close in the agreement that allows them to do that without any court judgement. 

I have filed a formal complaint with Bank of America and after waiting over a month I received 1-statement-answer to read my agreement. 

Those unfair collection practices have to be stopped as innocent people get penalized because Bank of America has access to their account. And they do that without any warning or due process.
Consumer complaint received 2020-01-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (SC)

I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an Gap an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give Exeter financial Corp no authority to sell my information to XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (VA)

I applied for a loan with Oportun Loan and was approved based on credit and income. They asked me to send in Driver License. It took them 6 days to review my driver license. I called each day about application. They did a hard inquiry on XXXX and XXXX. Then they denied my loan. I questioned why and was not given an answer.
Consumer complaint received 2023-02-03
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)

I am writing to file a complaint against Transunion, regarding their misleading reporting of the following accounts on my credit report : 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 
Their reporting is inaccurate and negatively impacting my credit standing, in violation of the Fair Credit Reporting Act ( FCRA ). And although I have previously sent in a complaint, instead of investigating these matters they continue to furnish inaccurate data. 
According to the Internal Revenue Service ( IRS ), a charged-off debt is considered taxable income. However, Transunion has reported accounts as a " loss, '' which is often seen as an indication that income was received from the charged-off debt. This is very misleading because I do not understand the nuances of the credit reporting system. 
The FCRA requires that credit reporting agencies furnish consumers with accurate and complete information in their credit reports. The reporting of these accounts as a " loss '' by the Transunion is not only misleading, but it is also in violation of this requirement of the FCRA.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (GA)

Sentry Credit Inc ( XXXX XXXX XXXX XXXX, WA XXXX ) started reporting on my credit profile with inaccurate information for a account : XXXX. I contacted the company and they can not verify information or validate the {$5800.00} debt. In further research this company is attempting to collect a debt and they are not even registered in the state of georgia 's secretary of state business.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (WA)

I added XXXX XXXX as an authorized user on the account ( XXXX ) in XXXX, on XX/XX/14 I confirmed she was added with the representative I spoke to. It is reporting to her credit report as an authorized user. When I spoke to the issuer today XXXX at XXXX XXXX speaking with XXXX they stated they are having issues adding authorized users, and that they are not reporting to the credit bureau, this is obviously incorrect so either they are misinformed, or lying.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (CT)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-03-10
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was convinced by scammers that my computer needed repair-they flashed an alert with a phone number to call across my screen while I was using the computer. I called thinking I was speaking to XXXX-it was XXXX. " XXXX '' took control of my computer and got assess to my online banking information. They asked me for my cell phone number as well. 
I reported the incident to HSBC by phone the day after this happened. In subsequent communication by phone or text to HSBC, I have repeated told them what charges I actually made and for which I will/have paid for. I have changed credit card accounts twice since the original bill : erroneous charges was made to card ending XXXX and the XXXX balance eventually transferred to card ending in XXXX. 
On my monthly statement, I saw charges from XXXX, XXXX, XXXX, XXXX on my credit card. None of these companies I have any prior dealings with. The amounts charged XXXX is also no where near my usual spending pattern. HSBC bank USA has denied my claim to this date, that I was scammed and has insisted that I pay XXXX. To date, I have not received any merchandise to keep or return for reimbursement. I filed a police report as I was asked to do-complaint # XXXX. 
HSBC has been giving me the run around every time I speak to them and when I ask to speak to a supervisor, they are evasive and will not transfer me to a supervisor. 
I have been speaking to multiple people ( I have been writing down dates and names for months ),  no one central. I went to my branch to speak to the person on my denial letter-no phone # to contact him per bank personnel. Difficult to find and communicate with person/persons who made the decision to deny my claim. Difficult to discern how or why they made their decision. Have not been able to get anyone to understand what happened-cyber identity theft- since I made the initial complaint. Difficult to understand the customer service reps due to the heavy accents and being transferred from here to there multiple times with long hold times.
Consumer complaint received 2023-02-11
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. (GA)

XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I am a customer with Wells Fargo Bank. Recently money was withdrawn on a couple of occasions without my permission or consent to pay for a timeshare account that was never used by me nor anyone connected to me because of unfair policies pertaining to the fees of the said timeshare. I tried cancelling the said timeshare account several times because of these fees that were never mentioned at the initiation. My account was debited to pay for the timeshare fees without my knowledge or consent several times. I tried correcting this with Wells Fargo bank with no avail. I would appreciate it if you can look into this matter for me. I was left with no funds in my account and as such I could not take care of the basic necessities of my day to day life. 
Thanks in advance,
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

We pay mortgage monthly including escrow for property taxes but have received multiple notices from our township that property taxes have not been paid since XX/XX/2019. I have called bayview loan servicing multiple times over the past few months but they have not yet paid taxes on this property nor resolved this.
Consumer complaint received 2024-03-16
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX