davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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. (PA)

On XX/XX/XXXX I booked two round trip tickets for XXXX XXXX, my wife, and myself on XXXX XXXX, XXXX to XXXX w return. Although we live in XXXX our Grandchildren are in XXXX so we decided to spend time with them before and after the trip. This trip was to celebrate XXXX 's XXXX birthday. 

In XXXX of XXXX I saw that our flights were removed from the XXXX XXXX schedule and that they were going bankrupt. I filed a dispute for both tickets with my Citibank Mastercard. 

In XX/XX/XXXX I received formal flight cancellation notices from XXXX XXXX for both round trip itineraries. Email, telephone and online attempts to recover the money still owed to me by XXXX were useless. 

In XX/XX/XXXX one round trip ticket was credited to my account. I tried to file again on line but the " Dispute A Charge '' button was greyed out for these 4 transactions. 

In XX/XX/XXXX I mailed CitiBank all the documents I had requesting a refund for the other flight. 

In XX/XX/XXXX they refunded XXXX for one flight but not the XXXX for the other remaining flight. 

In XX/XX/XXXX I made another attempt to remedy the situation with Citibank and XXXX XXXX. Although I filed in a timely manner, their response was that too much time had passed. 

XXXX XXXX XXXX Page 1 shows the 4 charges to XXXX XXXX. Page 2 shows the three conditional credits which all became permanent. 

CLOSED DISPUTE.pdf shows the matter is closed from the point of view of Citibank. 

XXXX TO XXXX & XXXX TO XXXX XXXX show the flights were indeed cancelled. No service was received but my money was swiftly taken. 

It makes no sense that three of the four charges were refunded and not the fourth of four. 

Each time I summitted a compliant about the charges I did it for all of the flights or tried but the online system was not always usable. Twice I submitted documents by mail to introduce and prove my points. 

I am still owed XXXX for the service that was cancelled.
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

XX/XX/XXXX to XX/XX/XXXX XXXX Hospital ( XXXX XXXX Hospital ),  XXXX, CA. I was told when I went in for XXXX that my portion to pay out of pocket was {$2600.00}. I paid on XX/XX/XXXX - {$1000.00}. The remaining balance was {$1500.00}. I received so many different bills from XXXX  XXXX and I paid them either at once or I put them all on payment plans. The different bills had different account numbers. I have contacted them several times to verify who was owed and which account numbers went with who was owed. I have all of the payments I have made to XXXX XXXX up until XXXX. I was told I no longer owed any money. I received a phone call this afternoon from a collections company called Medi-Credit ( XXXX ) stating I owe XXXX XXXX {$1000.00}. I immediately contacted XXXX XXXXXXXX at XXXX, they transferred me XXXX XXXX XXXX who I did not need to speak with because I don't owe them any money. I had to call XXXX who stated XXXX forwarded my account for collections. I was referred back to XXXX main billing at XXXX. I asked to speak with a supervisor or who ever was in charge so that I could find out why I never received anything in writing or even a phone call if this money was owed from XXXX. The rep transferred me back to Medi-Credit. I  have been unsuccessful since XX/XX/XXXX of being able to get a bill for everyone who I owed ( XXXX Hospital, Doctors, XXXX, or XXXX  ). I just receive bills and I was just paying them because I did not want anything being submitted to collections. I just want and need clear answers to what they say I owe. I have every payment made to XXXX  and the various account numbers they have given me. Please can someone please help me?
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/XXXX, i attempted to send a Western Union Payment to the Agent of a company in North Carolina for {$560.00} Western Union Tracking MTCN No XXXX XXXX XXXX Later i received a message from Western Union stating that the Order was cancelled. However, the Money was not refunded back to me. I contacted Western Union several times and each time they would give me a different excuse, but still no refund. 
Dear XXXX XXXX, Money Transfer Control Number ( MTCN ) : XXXX We have canceled your money transfer with tracking number ( MTCN ) XXXX. 
If you were already charged, we are also processing your refund. Please note that it may take 7 business days for your bank to credit your account. 
Thank you for using Western Union.
Consumer complaint received 2022-12-31
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This discrepancy is unacceptable and calls into question the integrity of your credit reporting process. This not only raises serious concerns about your bureau 's commitment to compliance with the law but also places an unjust burden on my financial standing. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX PLEASE REMOVE!!! I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. 

If you have failed to verify the accuracy of the information, I demand that you take immediate steps to rectify this by engaging in a thorough verification process. The information in question is not only damaging but has been proven inaccurate by other credit bureaus. Promptly correct the inaccurate information on my credit report to accurately reflect my credit history. If you are unable or unwilling to verify the accuracy, I insist on the immediate removal of such information.
Consumer complaint received 2023-01-19
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: Bread Financial Holdings, Inc. (FL)

Comenity Bank claims I had a card XXXX/COMENITY/VICTORIA. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (TX)

I Consumer XXXX, XXXX, XXXX entered into a Consumer Credit Transaction with American Credit Acceptance on XX/XX/2019 I use my credit card as defined under 15 usc 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card i use is my Social security card. And there was a finance charge involved as defined under 15 usc 1605. American Credit Acceptance then took my credit and got a loan and being to violate 15 usc 1692e. Because they falsely represented the STAUS of debt.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

My name and social security number were somehow breached and someone was able to file a fraudulent unemployment claim using that information. As a result, I was told to contact all three credit agencies to freeze my credit. I was able to do so with XXXX and XXXX but had difficulty with Equifax. The system locked me out and then sent me a verification code in the mail which failed to work when I tried to enter it repeatedly. I then called the company and had to answer questions in an automated system. The robotic voice is too difficult to understand and I apparently didn't answer all of the questions correctly. This system is problematic because there is no customer service person to engage with. For example, I was going through a divorce and my husband went to re-finance our mortgage. Since I wasn't present in the house for that transaction I didn't recall when or know what finance company he re-financed with to assume the mortgage on his own. This was one of the questions, so yet again, I have been locked out of even speaking to a customer service representative!! In the meantime, my credit remains unfrozen. 

Equifax is now requesting that I send my name, address, social security number, date of birth, copy of my driver 's license and a summary of my request. Are you kidding me? If someone intercepted that letter, my excellent credit could be ruined forever. This is outrageous and terrible customer service. I would like a human being to contact me to resolve this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2020-03-15
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. (FL)

On XX/XX/XXXX and XX/XX/XXXX, I've contact Experian regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by XXXX XXXX XXXX  to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact XXXX XXXX XXXX, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed XXXX XXXX XXXX  in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.
Consumer complaint received 2022-12-31
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (OH)

I still have not received written confirmation of the actions that was mailed to Spring Oaks on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with a company called XXXX Bank. I did not open or authorize this account, and I request that it be closed immediately. The trade line from XXXX was removed from my credit profiles immediately once I sent them all of the identity theft information. I had sent the same information to Spring Oaks Capital whom claim to own the account. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was their own copy of a theft report which was promptly filled out and sent back.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

I have incurred numerous unauthorized subscription and membership charges from XXXX from XXXX to XXXX, totaling to nearly {$500.00}. I cancelled these plans on multiple occasions, for which these charges were generated but they continued to be automatically reinstated, thereby resulting in unauthorized transactions to my card. 

A few of the various subscriptions & memberships that I was charged for include, but are not limited to, the following titles : XXXX Membership, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ... 

I reached out to my bank to try and resolve this issue but by the time I'd recognized these charges, the deadline for filing a dispute had passed.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (TX)

I sent a wire to XXXX on XX/XX/2021 for {$21000.00}. The wire was never accepted by the bank from my account at XXXX XXXX XXXX XXXX. I have reached out to both my bank and JPMChase and the business that received the money Gemini Trust Company LLC. My bank told me that the wire has already been sent and received by Gemini Trust Company LLC. I have the XXXX and XXXX numbers to prove and show the transactions. I have been told that Gemini Trust Company LLC has already switched banks to a new account. But that was after the wire transfer had been completed. So that shouldn't be the issue anymore.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I filed an ID Theft report with the FTC and submitted a complaint to the CFPB on XXXX, XXXX, and Equifax to investigate my accounts and remove the inaccurate information. 
XXXX, XXXX, and Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. 
According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. 

The consumer reporting agencies XXXX, XXXX, and Equifax did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My XXXX XXXX Advantage account was locked then suspended with no specific reason. I attempted to reach out Citibank and XXXX XXXX  but no responses at all. 
My account was in good standing and had over XXXX miles. I am current an XXXX XXXX XXXX serving overseas. I don't have any means of getting back home to see my loved ones because XXXX/Citi decided to suspended my account without any explanation. 
my account number:XXXX
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Synovus Bank (MD)

I filed bankruptcy on XXXX. 
XX/XX/2024 ... 0n Hearing Date & Time : XX/XX/2024, at XXXX XXXX I had a meeting with my XXXX XXXX in my XXXX  XXXX case and I none of my creditors contested but in getting bills collection notices
Consumer complaint received 2021-03-18
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. (LA)

I RECENTLY WAS RELEASED FROM XXXX 2 YEARS AGO AND I HAVE FRAUD ACCOUNT IN MY NAME I WAS IN XXXX FOR A TOTAL OF 8 YEARS
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-18
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: CURO Intermediate Holdings (MO)

My ex husband was taking out loans in both of our names and in just my name online with all of my information. I have tried disputing with XXXX XXXX and contacting speedy cash and debt collector. I filed bankruptcy in XXXX  and haven't done any payday loans or installment loans.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (PR)

Personal checking Account was closed on XX/XX/XXXX because a company was making unauthorized deposits to this account and reporting them as income to me. Although bank was instructes not to re open account and to reject direct deposits, they reopened the account to receive the same ilegal payment that suppose to be rejected.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP (WA)

XXXX  XXXX XXXX XXXX is marketing on XXXX group consisiting of XXXX realtors and loan officers this is unapproved social media run by a XXXX company. XXXX XXXX XXXX XXXX or US Bank, they both forbid that. XXXX  XXXX XXXX XXXX under name of XXXX XXXX XXXX XXXX XXXX XXXX US bank interest rate, this is illegal and misleading. I attach the print-screen.