davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
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. (GA)

On XX/XX/2021 we were shopping online for XXXX XXXX and ended up on the website XXXX, which appeared to be an outlet online mall for XXXX XXXX with all the appropriate XXXX XXXX on it. There was no indication that this was not a legitimate site and we ordered tools in the amount of {$490.00}. 

When I saw the order confirmation, I started to be suspicious, because there were no official XXXX XXXX anymore. At the same time I received an alert from my Citi credit card, informing me that this was an international charge from XXXX with a website XXXX 

We therefore immediately called XXXX XXXX XXXX the original Manufacturer ), who confirmed that there are fake websites out there and that they have been trying to shut this website XXXX XXXX XXXX down ( see enclosed warning from their website ). 

We were not able to establish contact with XXXX and XXXX day later the website was not active any longer. The website XXXX however also shows a warning that this is a pishing site ( enclosed ). 

Needless to say, XXXX or XXXX were never intending to send any of the ordered products. 

I disputed the amount immediately and also called Citi customer service, explaining the situation. After the disputing process my credit card company processed the charge anyways and provided order details from the merchants bank that the products appeared to be sent under the tracking number : XXXX ( see attachment ). 

Consequently I have entered the tracking number on some of the most common shipping carrier 's websites and it appears that a shipping label was actually created on XXXX, but it was never dropped off at the post office, which proves that merchandise was not shipped. 

Any attempts to contact the " merchant '' were unsuccessful, because the fake website that we ordered from has been shut down and emails returned with error. 

Despite all the evidence brought forward and multiple letters and phone calls with Citi, the credit card company is not willing to charge back the amount.
Consumer complaint received 2023-01-13
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)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (FL)

My spouse and I paid off a loan in XX/XX/XXXX with the Bank of the West. I/we have made 4 phone calls in order to secure the interest paid letter during XXXX. They claim a XXXX party is to blame and they've had an array of issues, not to mention having the XXXX 's based overseas ; and who are otherwise unable to assist. Today, I again placed a call and the manager stated that our document ( s ) were mailed on XX/XX/XXXX, which is a lie because the other two calls ( both XXXX 's ) indicated that the documents were not ready in time and thus had not been mailed. During the 3rd call, we were told that it would be placed into the queue for yet ANOTHER COPY, which of course never arrived ; and today is XX/XX/XXXX. I/we must file our taxes per the IRS/Government by XX/XX/XXXX, yet how are we to do that when the Banking XXXX are failing to follow the Law by providing said documents when they become due on the XXXX day of XXXX each year? This bank has been nothing short of a nightmare during ALL inquiries, to include getting our payoff letter of satisfaction and loan release.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-13
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jim Bottin Enterprises, Inc (FL)

On about XX/XX/XXXX, a notice was received from XXXX XXXX XXXX , XXXX. about a health club membership that was in collection for a gym called XXXX XXXX in New Hampshire. After looking into the membership ( my daughter 's ) and actions taken, I saw that my daughter had followed procedures to end that membership in XX/XX/XXXX. 

I contacted XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to discuss. My daughter contacted him prior to my conversation to allow me to speak on her behalf. XXXX told me that it didn't matter if she had cancelled her membership, and in fact that nothing she had done up to that point mattered at all, the only thing that mattered was that she owed {$190.00} and had to pay that. 

I tried to explain what actions had been taken up to that point, but he just spoke over me and was clear in that he had no interest in anything that I had to say. 

He said that if she didn't pay the {$190.00}, the amount would go up. When I asked why it would increase ( concerned about timelines with payment ) he said that legal fees when they sue her would be tacked on to the amount and suggested that it would be about {$1800.00}. 

I tried to further explain that she had cancelled by emailing the contract company and XXXX told me that email was not an acceptable way to cancel her membership, and that in fact the only way to cancel was for her to send a certified letter requesting cancellation with 30 days notice. I contacted the contract company to learn that was not true, and in fact email is the appropriate way to cancel. 

Even after hearing these facts from me, XXXX continued to apply pressure for this debt to be paid, threatening action with the credit bureaus to damage my daughters credit rating. 

We will pay this debt out of fear for her credit, not out of the legitimacy of the debt. Since the amount is so low, it isn't worth even seeking relief through the court because legal fees would eclipse the {$190.00}. But, the practices of XXXX XXXX XXXX , XXXX and XXXX XXXX should not be allowed to continue. He illegally threatened legal action, made false statements about the cancellation procedures that should have been followed and continued to attempt to collect a debt where serious doubt should have existed as to it's validity. These are all illegal actions on his part. Not once did he even say that he would look into the debt 's validity or attempted cancellation of the gym membership. 

He likened himself to a judge and indicated that there was no higher authority than himself in this matter. When I contacted customer care at XXXX XXXX, those emails were immediately forwarded to XXXX, which caused some further concern on my part as to me being able to find any acceptable resolution.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Equifax and CapitalONE refuse to investigate XXXX hard inquiries that have a negative impact on my credit report. Each time I have disputed this incorrect information both agencies state these inquiries are a marketing inquiries and not hard inquiries as indicated on my credit report. I need CapitalONE to validate these hard inquiries or remove this incorrect information from my credit report. If this matter is not resolved through your assistance I will place this matter with the XXXX County Civil division for Judge to make a final decision.
Consumer complaint received 2023-10-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

On XX/XX/2023, I opened a mail piece containing a bill for student debt. The loan servicer claims to be Heartland ECSI and uses what appears to be a phishing website ( heartland.ecsi.net ) as I could not connect with a live representative over the phone. Please investigate this.
Consumer complaint received 2023-02-16
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 — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc. (CA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX During all these dates I've reached out multiple times to a XXXX XXXX to settle. Just so that I can clean up with no a minute of this debt because they did not send all of the proper documents and can not provide any of the proper documents for the repossession that were sent to me nor can they prove which address they were sent to. I have tried to call every time I call or speak to anyone no one has my account on file or records there therefore if they don't have my account on file anymore or no records of my file with that company consumer portfolio services I dispute it needs to stop reporting on my credit report since they have no record no one does. At this point it is going against my FCRA rights I've tried multiple times and no replies but it keep actively reporting you can't report on an account that you no longer have whenever I call to speak to any representative.
Consumer complaint received 2020-12-18
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. (VA)

XXXX XXXX has furnished information to XXXX, Equifax and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, Equifax and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.
Consumer complaint received 2024-03-13
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. (IN)

I am 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 XXXX Bureaus, Transunion and XXXX.
Consumer complaint received 2023-01-21
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: CURO Intermediate Holdings (MS)

I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( FIRST HERITAGE CREDIT ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

FIRST HERITAGE CREDITis also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FIRST HERITAGE CREDIT ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FIRST HERITAGE CREDIT for the account opened XX/XX/2016 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( FIRST HERITAGE CREDIT ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (CA)

INNOVIS DATA SOLUTIONS This company cut off my access to their online portal because I disputed some of the accounts on there. They keep changing the reason for nap able to give me the access. 

At first they said I'm not able to login because there is no phone number on file for two factor authentication. 
Once I provided that with proof and its updated, I'm still not able to login. 

Now they are saying there is some security policy that is preventing me to login and they can not give me a timeline in which the issue is going to be resolved. 

They keep offering to provide assistance over the phone or the mail which is not what i want. 

They are only doing this because I disputed online.
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00}
Consumer complaint received 2023-02-16
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: AMERICAN EXPRESS COMPANY (VA)

On XXXX my XXXX XXXXXXXX checking account issued electronic payment of {$13000.00} to American Express by mistake. The payment was supposed to go to XXXX XXXX. For over XXXX weeks I have been calling XXXX, XXXX and XXXX XXXX. 

American Express say they see my money but cant release it because its under XXXX old account and that I should call XXXX XXXX XXXX XXXX say they have nothing to do with XXXX  system and that I need to pay them their money XXXX  XXXX sent me a proof of payment to XXXX  and say nothing they can do
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

There was a problem with my separation from the USPS and they rectified it by deleting everything from XXXX and XXXX but left one of them on Equifax DEPARTMENT OF TREASURY XXXX XX/XX/22 shows as open account and should have been deleted altogether
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called XXXX times and they kept giving me the run around. I 've sent in the proper documents and still no results.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-30
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. (CA)

XXXX XXXX  sold this account number on XX/XX/2018 even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Consumer complaint received 2023-01-19
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. (NC)

I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXXXXXX XXXX victim. I submitted my dispute via XXXX XXXX  and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of XXXX and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am stressed and displeased that I see there are fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a breach some months ago so I thought you all would protect my consumer report. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now for me and my family. Upon looking at my report, I see that a 3rd party company has my information. For you to sell my information is FRAUD and neglectful on your behalf. You all can get sued for these damages. This is negatively effecting my livelihood. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

This debt is not valid. I am an active consumer and will open a court case against your company is the small claims court of Wyoming if this not fixed. I would like to dispute this debt. PLEASE FIX NOW AND STOP THE HARASSING PHONE CALLS!!!!!!!!