davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

XX/XX/2020 brought account current with Citibank Costco Visa anywhere card. 
Paid {$330.00} in charges ; Costco credited {$530.00} to bring the total to {$860.00} due on XX/XX/2020. 

XX/XX/2020 I received a notice from XXXX that a 30 day late delinquency was reported by Citibank in the amount of {$71.00} that was allegedly due and payable also on XX/XX/2020 -- but no written statement shows this amount outstanding. 

I logged into my Citibank online account and the account shows a charge of {$83.00} was charged to my account on XX/XX/2020 -- I called citibank asking for an explaination why my account was marked 30 days late when I brought it current on XX/XX/2020. The 30 days late XXXX has it marked for XX/XX/2020 ; XXXX and XXXX has it marked for XX/XX/2020 is creating economic hardship because i can not qualify for refinancing my mortgage. The 30 days late mark has caused my credit score to  drop from XXXX ( Very good ) to XXXX ( poor ) or 98 points. 

The Customer Service Supervisor stated additional interest ( allegedly ) accrued on my account AFTER bringing the account current between XX/XX/XXXX and XX/XX/XXXX which was due on XX/XX/XXXX. BUT no one would know this because the computer system didn't post the past due interest until XX/XX/2020 when the bill was generated, printed and mailed. 

She told me to call collections, I spoke to XXXX. XXXX removed late {$40.00} fee, removed 29.99 % PENALTY INTEREST rate and PREMIUM PRICING on each charge. He told me to contact Cittbank to have the 30 days late corrected. 

I am XXXX and have had great difficulty writing -- so I found help XX/XX/2020. I have tried to contact Citibank to verbally dispute this charge pursuant to the Americans with Disabilities Act Effective Communications to no avail. 

I also tried to dispute the 30 days late with XXXX, XXXX, and XXXX but I can not access their online websites to do so.
Consumer complaint received 2020-08-06
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. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Consumer complaint received 2022-11-06
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)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I contacted XXXX XXXX to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. XXXX has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Arcadia Holdings, LLC (CA)

ARCADIA RECOVERY reporting an erroneous collection to my credit report. My numerous attempts to contact them went ignored ... they have not answered any letters in the past 3 months and do NOT answer their phone after making me hold for 45-50 minutes at a time auto system directs me to leave a message and NOBODY CALLS ME BACK. I have disputed it with credit bureaus who came back stating " collection company validated the account so they can NOT remove it '' however when I request validation of this account I get NO ANSWER .... in a meantime this is damaging my credit rating ... this should not be legal to do ...
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I am submitting a new complaint against Synchrony Bank with regard to the overbilling by XXXX XXXX XXXX and the difficulties I have experienced again with the dispute process through Synchrony Bank ; in fact, the upload feature on the Synchrony Bank portal does not allow to upload the exact dispute form provided by the same Synchrony Bank and also the fax number provided by Synchrony Bank to fax over the dispute form does not answer despite several attempts during business hours ( see attached documentation ). 

I previously submitted a complaint through CFPB against Synchrony Bank with regard to two previous disputes due to overbilling by XXXX XXXX XXXX for order # XXXX ( sale date XX/XX/XXXX ) and for order # XXXX ( sale date XX/XX/XXXX ). Having submitted a dispute via CFPB to Synchrony Bank for the overpayment of {$440.00} ( order # XXXX ) and for the overpayment of {$810.00} ( order # XXXX ), I eventually received a refund check for these overpayments. 

Although I requested a refund of all overpaid amounts in these two orders, as of today XXXX XXXX XXXX has not fulfilled my request, and only sent a refund check of the disputed amounts through Synchrony Bank. 

You can find below a breakdown listing all the overpaid amounts under both orders : For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$810.00} as a result of my dispute with Synchrony Bank. 
The XXXX XXXX Total on Customer Order Statement was of {$4300.00}. 
My credit card received a credit of {$270.00} ( - {$270.00} ) on XX/XX/XXXX and a credit of {$190.00} ( - {$190.00} ) on XXXX. 
However, my credit card was charged {$3900.00} on XX/XX/XXXX and {$810.00} on XXXX ; the amount of {$810.00} was refunded through the dispute. I also used {$40.00} in Promotion Certificate as part of this payment. 
Here 's the entire calculation : - Paid : {$3900.00} + {$40.00} = {$4000.00} ; - Credits : {$270.00} + {$190.00} = {$460.00} ; - XXXX XXXXXXXX Total : {$4300.00} ; - Overpaid amount : ( {$4000.00} + {$460.00} ) minus {$4300.00} = {$4400.00} minus {$4300.00} = {$120.00}. 

For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$440.00} as a result of my dispute with Synchrony Bank. 
The XXXX XXXX Total on Customer Order Statement was of {$2000.00}. 
My credit card received a credit of {$210.00} ( - {$210.00} ) on XX/XX/XXXX and a credit of {$320.00} ( - {$320.00} ) on XX/XX/XXXX. 
However, my credit card was charged {$1300.00} on XX/XX/XXXX, {$670.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX ; the amount of {$440.00} was refunded through the dispute. I also used {$80.00} in Promotion Certificate as part of this payment. 
Here 's the entire calculation : - Paid : {$1300.00} + {$670.00} + {$80.00} = {$2100.00} ; - Credits : {$210.00} + {$320.00} = {$540.00} ; - XXXX XXXXXXXX Total : {$2000.00} ; - Overpaid amount : ( {$2100.00} + {$540.00} ) minus {$2000.00} = {$2600.00} minus {$2000.00} = {$630.00}.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-02
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)

There is an unauthorized account on my credit report. XXXX XXXX XXXX . This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2020-10-02
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. (CA)

I applied for a small XXXX  loan today XXXX/XXXX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING CREDIT BUREAUS.
Consumer complaint received 2020-10-02
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (TX)

AAG solicits for reverse mortgage loans but doesn't even know the HUD Loan requirements for reverse mortgages. So they go forward wasting time and getting your money quickly to pay for an appraisal. Then the appraiser notifies AAG of the HUD loan requirements that AAG should know. Then AAG wants to keep the money for the appraisal. After much battle, AAG refunds {$270.00} but refuses to refund the other {$120.00}. 
After much battle for a measly {$120.00}, I receive this email and copies XXXX XXXX : From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) XXXX XXXX, Maybe you misunderstood what I told you, I stated that we authorized the additional {$120.00} and that we would be sending that out separately, youve received the 1st portion of refund you should be getting the additional {$120.00} as well. Sorry for the misunderstanding. Please feel free to call me for further clarification if needed. 

Thanks, XXXX XXXX Mortgage Professional NMLS # XXXX AAG | American Advisors Group Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Please consider the environment before printing this email. 

44 DAYS LATER, I receive this email : From : XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : [ External ] RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) Hello XXXX XXXX I was informed that the request for the refund was declined. 


AAG must be having money problems, is a mess, totally unorganized and their word isn't even worth {$120.00}.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I tried disputing late payments on my credit report several times because they are inconsistent between all three credit reports which is a violation of the FCRA. I do not feel that i should be held liable for errors on behalf of Capital One. I have attached a screenshot of my credit report showing the violations of Capital One.
Consumer complaint received 2022-11-06
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 receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX
Consumer complaint received 2020-08-06
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. (SC)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.
Consumer complaint received 2024-03-19
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

This account was open on XX/XX/2018 Account was reported as unpaid medical {$120.00} I have no contact information I would like to know what services I had to accrue the amount of {$120.00}
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I had been making payments on a mortgage loan against property that was originated fraudulently, but loan was in my husband 's name. I did not discover the new loan until husband died in XX/XX/2016. I continued to make payments but sued company XXXX XXXX and Ocwen Mortgage Servicing ). During the litigation Ocwen tried to stop accepting payments and rerouted all mail to the wrong address. In XXXX they started rejecting my payments for no good reason until the mortgage got behind several months. After the lawsuit when I called to check the status of the loan I was initially told that no one could talk to me about the account. Finally, after resubmitting information that I had already sent showing that I was the Executor they finally spoke to me. Now they have added late fees and started to threaten foreclosure without answering why they originally rejected my payments. Now it is approximately {$11000.00} behind and I can not catch up, however, they want me to pay the default and fees in full. I can not pay everything at once, but I do want to resume making reasonable payments since I never stopped making payments anyway. I believe this is harrassment and retaliation for suing Ocwen and not assuming this loan after my husband 's death.
Consumer complaint received 2020-08-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 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 BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-08-06
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. (WV)

Between XXXX XXXXXXXX, XXXX, Trans Union and various online credit reporting, including XXXX XXXX and XXXX XXXX, I have somehow been robbed of {$300.00} and also had my credit score mysteriously and needlessly PLUMMET over 50 pts in less than a year! 

What the heck is going on? I have been so SEVERELY dismissed, disrespected and argued with by XXXX and XXXX XXXX reps, that I literally had to end the conversation with them after at least an HOUR of arguing with them back and forth over the phone. 

Someone is STEALING from me, and the money itself would be bad enough, but the CREDIT is possibly even more consequential. 

After DIGGING into my XXXX XXXXXXXX account I was actually able to prove, after ARGUING, MULTIPLE times with MULTIPLE XXXX reps that they were indeed in ERROR and fraudently charging my account. But even after ALL of this I was STILL put on the defensive as to any worse charges than a ONE time {$6.00} amount. 

You know ... remedying and getting my money back aside, how do I JUST get the 'bleeding ' of my credit score plummetting to stop??? 

THANK YOU, XXXX XXXX XXXX, WV XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX and Transunion is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.