davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NY)

SageStream , LLC told XXXX XXXX that the key factors for my credit score of XXXX which I know is in the 800s was the number of utility inquiries ( not true ) also not enough bankcard dept experience ( not true ), lack of history at this address ( I have lived at this address for over 30 years and own my home ) Also discrepancies in historical identity information? ( what is that? ). Then they went on to say the inquiries did adversely affect the score. 
I'll tell you what I think is going on with this low score, by giving XXXX XXXX a low score for me I would have to pay XXXX more money for credit. This is very dangerous for big companies to behave this way when you pay your bills and do the right thing and go with out because you pay your bills on time. 
Also I contacted XXXX and the other two big credit reporters and SageStream never contacted any of them for my credit report.
Consumer complaint received 2020-04-03
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: Bread Financial Holdings, Inc. (MD)

Via Secure Messaging, contacted Comenity on XX/XX/2020. No response received to date. 

How do I go about disputing 3 transactions? 

The first is from my XXXX statement. It was an online retail merchandise purchase. It was billed the day after my order. To date, I have yet to receive the product. I have been told it is due to high demand. But I can not get a straight answer from the Retailer. I have emailed the Merchant several times in the past 60 days. 

XX/XX/2020 XXXX XXXX XXXX XXXX  Charge {$100.00} The second and third transactions are from my XXXX statement. I cancelled the subscription to a XXXX Weight Loss program. Yet, I was billed for another order on XX/XX/2020. And, to date, I have not received the below product since I cancelled. 

XX/XX/2020 XXXX XXXX NY Charge {$89.00} XX/XX/2020 XXXX  XXXX NY Charge {$87.00}
Consumer complaint received 2022-10-13
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. (TX)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Got approved for an auto loan through XXXX XXXX XXXX XXXX  on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a mortgage with Suntrust. I lost my job, and I can not reach Suntrust to request mortgage forbearance under the CARES Act. I believe that Suntrust may be avoiding and evading its obligations under the CARES Act to grant mortgage forbearance to borrowers by deliberately making it impossible to contact the bank. 

Suntrust has : 1 ) hidden all guidance about mortgage forbearance on its website so that it is impossible to navigate to within its website ( I had to find it through an external search engine ) ; 2 ) failed to post on its website ANY accurate information about borrower rights under the CARES Act ; 3 ) required mortgage customers to speak to a phone representative to request forbearance, and 4 )  understaffed or non-staffed its mortgage customer service phone line so that it is impossible to speak to a representative to request forbearance. 

Yesterday, XX/XX/2020, I waited on hold on Suntrusts customer service line for two hours and 28 minutes, at which time the line simply went dead. No one answered, and I did not hang up Suntrusts system just ended the call. After two hours and 28 minutes on hold. 

Feeling desperate, I tried the line again tonight, XX/XX/2020, when Suntrust *says* it staffs the line until XXXX XXXX. It is now XXXX XXXX and I have been waiting tonight for one hour and 15 minutes, with no end in sight. 

So here is my question : who is checking to make sure that Suntrust is making reasonable efforts, or indeed any efforts, to enable borrowers to request forbearance on their mortgages? What if they just dont answer the phone, ever? What if that works out better for their business and they just dont care? I have to wonder.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I am a XXXX XXXX XXXX. I use several software platforms to manage my business and transfer money and neither are able to connect to PNC Bank. I also try transferring money to my own accounts and that is a problem. The software that I am most feed up with not working is : 1. XXXX XXXX 2. XXXX XXXX XXXX   This needs fixed asap. 

Thanks
Consumer complaint received 2020-04-03
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. (FL)

After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!
Consumer complaint received 2020-03-24
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-04-03
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. (NJ)

My Best Buy Visa Card had a fraudulent charge of {$2.00} for a " Best Buy Donation '' Which I never made, I called to dispute the charge. After several hours and back to forth calls and transfers making it extremely difficult to get a resolution they finally said they would look into the disputed charge. I finally received a letter in the mail regarding my fraud claim, it states that they looked into the fraud claim and they are removing the charge and interest and related fees. However, my most recent statement is still charging me for this fraudulent charge and fees and stating that it is two months late, but now the charge says a 'balance transfer '' for that fraudulent charge. I have great credit and this has now lowered my credit score down substantially. I have done everything in my power to call and resolve this with this credit card company and they are acknowledging it as fraud but not removing from my credit card and continue to call me with an automated collection. I try to call and can never get anyone on the phone to resolve this, I keep getting transferred and transferred to now one. This seems like scam that they are charging their customers and I don't no where else to turn.
Consumer complaint received 2020-03-24
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. (CA)

I am a victim of identity theft and Experian continues to provide the information listed below, on my credit report. These accounts do not relate to any transaction ( s ) that I have made. I submitted several disputes directly to Experian requesting that these fraudulent accounts be deleted off of my credit report, but they remain This is so frustrating and violates my rights as a consumer. 
These are the accounts that are reporting : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX :, XXXX XXXX, {$500.00} XXXX/XXXX, {$300.00} XXXX XXXX, {$220.00} XXXX XXXX XXXX XXXX, {$6500.00}
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

This account is reporting incorrectly. I never payed late and this is reflecting multiple late payments. It is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. If you want to remove all reporting of this account do so.
Consumer complaint received 2023-05-24
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. (NY)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2020-03-24
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: Innovis (TX)

The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have spoken to the company about having lost my job because of the crisis. My account was switch a few months back and I was not told I was going to be charged to have it. They continue to charge even when there is no money to draw from, which then they take more fees. This bank has very shady practices.
Consumer complaint received 2019-04-15
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. (TX)

XXXX  keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX mort
Consumer complaint received 2020-03-24
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. (TX)

The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (PA)

JEFFERSON SYSTEM LLC FROM XXXX XXXX  MN. 

REGARDING 5 YEAR OLD XXXX DEBT I AM XXXX, SET THEM A LETTER AFTER 4 YEARS ( WINDOW OF TIME IN PA ). AFTER THE 4 YEAR PERIOD + TOLD THEM BY MAIL THAT THEY WERE NOT TO CONTACT ME REGARDING DEBT. 

THIS XXXX AT XXXX RECEIVED A CALL THAT THEY ARE TRYING TO COLLECT A DEBT AND THEY COULD TAKE LEGAL ACTION. OUT RIGHT LYING, 1 ) VIOLATING AFTER BY MAIL INSTRUCTED THEM NOT TO 2 ) OUTSIDE THE PA 4 YEAR WIMDOW 3 ) THE IMPLIED THREAT OF ANY POSSIBLE LEGAL ACTION THEY MAY TAKE.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS TRANSUNION/XXXX/XXXX
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (FL)

On XX/XX/2019 Synovus completed its purchase of FCB Financial Holdings. I used to have an account at FCB, which I promptly closed ahead of the merger completion date. I've never been a customer of Synovus, neither do I want to be. I have received multiple emails from Synovus that just won't stop and they have no opt out link in them. I have reached out to the local President of Synovus on several occasions ( one of the emails was a welcome letter from him ) asking to be removed from the email spam. 

Today, XX/XX/XXXX at XXXX I received another email from Synovus informing me of customer wait times longer than normal. I don't care : I'm not a customer. Any emails from Synovus sent to me at XXXX must stop immediately.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/XXXX/EXPERIAN
Consumer complaint received 2020-04-03
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: WELLS FARGO & COMPANY (NY)

Early XX/XX/2019, I ( XXXX XXXX ) set up autopay on the Wells Fargo Dealer Services website. I was indicated on screen that the autopay would take up to 15 days to take effect. 

Wells Fargo claims that I never signed up for autopay and they dont see it on their end, therefore blaming me for an error on their end. And refuses to removed the delinquencies from my credit, when that is the only delinquency that is there, no other missed payment ever. 

Theres no way for me to prove that their online system instructed me to wait for 15 days, so they refuse to help. Theyre saying I created the autopay over the phone in XX/XX/2019, which I did after discovering my online application didnt go through. This detriment is stopping me from buying my new home. Thank you for the help
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Recently, I looked I looked at my credit report, and it brought on a tre, mendous sadness.I have been feeling down XXXX XXXX  lately.this is harmful to my health and a defamation of my character. I found evidence that your organization didn't double check for accuracy before reporting it.in accordance with section 1681e ( b ) ( b ) Accuracy of a report of the United States Code 15 usc when a consumer reporting service creates a report of an individual, they are required to take reasonable measures to ensure the data is accurate as feasible.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

XXXX XXXX or XX/XX/2019 I called into Paypal to ask them why are they continuing to char.ge my accont for several charges. I demanded to be cancelled on or about XX/XX/2019 permanently. They continued their withdrawals on XX/XX/XXXX and ongoing causing my accont to be negative XXXX.
Consumer complaint received 2020-03-24
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-03-24
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. (GA)

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX  account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX