davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$16000.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I emailed Fifth Third Bank on XX/XX/XXXX, at which time I requested an update regarding the status of the received complaint. 

I have yet to hear from Fifth Third Bank. 

Background : I purchased a {$21000.00} lifetime access elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier 1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX  *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I attempted to contact XXXX  XXXX XXXX  XXXX  on : XX/XX/XXXX-phone out of order XX/XX/XXXX-email undeliverable XX/XX/XXXX-web address no longer valid I requested that Fifth Third Bank investigate and credit me back the amount paid for services not received. 

I have yet to hear from Fifth Third Bank regarding this dispute.
Consumer complaint received 2020-03-10
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. (NY)

I am looking through my XXXX  XXXX  I notice I have Dept Of Ed/XXXX  that I owe however I was told they would put all of my cases into ONE BIG CASE which has yet to be done. I am trying to pay off the bill they said they would work with me and lower the price owed and make one set payment and not 8 different separate cases. So I am looking for this to be fixed on my credit report. Any questions feel free to call me.
Consumer complaint received 2023-01-21
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. (PA)

I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items as soon as possible.
Consumer complaint received 2021-03-11
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: I.C. System, Inc. (TX)

On XX/XX/2021, I C System added a derogatory mark with the amount of XXXX USD on my credit report XXXX, XXXX and XXXX  ( Can be seen from XXXX XXXX as well ). Upon, further research, this account was transferred/sold from XXXX to I C System and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, I C System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I checked my credit to find two negative reports from MIDLAND FUNDING for XXXX XXXX XXXX   XXXX. in the amount of {$580.00} and for XXXX XXXX  in the amount of {$550.00}. I became homeless  after job loss in 2017 and was unable to pay the bills which caused them to go into default. I can settle both debts with {$250.00} each, totaling {$500.00} to delete both trade lines.
Consumer complaint received 2023-02-13
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

I use US Bank as my mortgage lender. Since last XXXX ( 2019 ) I have been severely overcharged for taxes. My home is in XXXX, MA. According to US Bank, they have over $ 15K of my money in a special account. They won't discuss it. Every time we call we get a new banking person who, of course, has no idea what is going on and they always need " time to research the issue and we'll call you back. '' Of course, they never do. I'm on the phone with them now and again, it's someone who has no idea of what is going on and she'll have to research it..... again. 

This is BANK FRAUD and I can't get anyone to help me. The Attorney General of Massachusetts wants nothing to do with this. They referred me to the DOR. They laughed at me and said " we only deal with MA taxes. Why did the AG send you here?? '' They sent me to the Banking Commission and they said they only deal with banks chartered in MA. The Banking comish sent me to you folks. 

The loan # is XXXX. I want some of that $ XXXX applied to the two months allegedly in arrears and the rest in my pocket.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

on XX/XX/2021 HSBC restricted my XXXX checking account XXXX without any reason or warning. I have been try to have them remove the restriction by calling XXXX. I do received a monthly income of {$5.00} and my money is frozen with a balance of {$5100.00} on it. I can not pay bill or food or rent. At this point i would like to remove my funds and terminated my relationship with this bank.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2019, I discovered that my Chase savings account had disappeared. I was trying to put money into the account and could not find it on my Chase Banking app. I contacted the company via the app and was received a reply saying that mu account had been closed because I went 60 days without a balance. I never notification that my account would be closed. If Chase had notified me, I would have deposited money into the account. Now that I need to deposit money into the account I can not because I dont have it anymore. I never received notification that this was going to happen and was never given the opportunity to intervene. This is poor customer service and unethical. I get notifications everyday from Chase about the most irrelevant XXXX but I never once got a notification about something that actual matters.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched list UNAUTHORIZED TRANSACTIONS REPORT OF XXXX & XX/XX/XXXX. See attatched USAA FRAUD CLAIM DATE XX/XX/XXXX dated XX/XX/XXXX. The UNAUTHORIZED TRANSACTIONS WERE SUPPOSED TO BE THE {$470.00} UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX ** TO PROOVE XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA KEEPS SLANDERING MY GOOD NAME CONFIRMING XXXX XXXX ( a returned item ) WAS INCLUDED IN FRAUD REPORTED XX/XX/XXXX. USAA PLEASE PROVIDE A LIST OF THE UNAUTHORIZED TRANSACTIONS TOTALS {$470.00} I REPORTED FRAUD. As requested. TO CONFIRM XXXX XXXX IS NOT INCLUDED IN FRAUD REPORTED BY ME XX/XX/XXXX. Also please provide XX/XX/XXXX REPORTED UNAUTHORIED TRANSACTIONS AND WRITTEN PROOF OF DELIVERY INTO MY HANDS.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I.C. SYSTEM, INC is attempting to collect a debt from XXXX XXXX for {$1100.00}. I lost my job and could not continue to pay as my family became XXXX. Ive just been awarded rapid rehousing and have saved up {$400.00} to settle the debt. I have not been able to reach the company in regards to settling. I am in need of financial assistance.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXXTransUnion refuses to remove me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned XXXX in question prior and they STILL refused to FIX this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3400.00}
Consumer complaint received 2023-02-12
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. (GA)

Equifax is showing an inquiry dated XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ... ... ...... 
Equifax claims this is a matter of FACT. 
I herby request Equifax send all the facts regarding this inquiry as it is not mine and has occurred after several data breaches ( XXXX XXXX  ) I have contacted this XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX and spoke to rep XXXX XXXX XXXX and she assure me there was no information about me in there system and more recently contacted rep XXXX XXXX XXXX XXXX at said company on XX/XX/XXXX and again no information appears in their record.Since Equifax says its valid I NEED TO SEE THE PROOF OF THIS! 
IF INFACT EQUIFAX CAN NOT SUPPLY THE PROOF IT NEEDS TO BE REMOVE OR AN ARBITRATION HEREING IS REQUESTED!
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi I have leased a vehicle for the XXXX  XXXX  XXXX XXXX  XXXX   The idea behind leasing a car was to build my Friend credit and I was the co-signer on the lease As my friend credit was completely new After the purchase of the vehicle My credit started going down and after making 3 payments Nothing was reflecting on my friends credit so I decided to call XXXX XXXX to check on the loan whats happening as I dont see any progress after consulting with them XXXX said me that they have received incorrect information from the dealer as the dealer has given my details like name dob and address and phone but Social Security Number was of my friends and vice versa and they said if they even fix the issues they will not help my friend and anymore because we have already made 3 payment and nothing else can be done at this point and I  have to address this issue with the dealer As I went back to dealer letting him know about the concern that I have and the mistake that they have done firstly they denied saying that they have nothing to do with this and I have to resolve this issue by myself with credit bureau agencies As I said explained him that I have no point of contact for them if he can not provide me with the resolution they I have to take them to court for fabrication of the law and manipulation of the personal info Then on call he said me to come to the dealership and they fix the issue by buying the lease from the bank and removing me from the lease and reporting as car paid off on my account or they will get this car with no charges on my end and will get my friend a decent car and after I went to the dealership they made me wait for hour and and try to figure out if have done any mistake so they couldnt help me and after all that they said me if I want they to help me I have to come with more {$7000.00} to get the car lease cancel and buy the same car by putting 20 % more down payment towards the car and sale them the car at XXXX and buy the same car for XXXX and plus taxes and fees To correct the fabrication of the law that they have done to make a sale of the car. 

Please help me on this as I have been going through lot of mental stress and harassment due to as it is stopping me to Succed and make a leaving
Consumer complaint received 2023-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There was a hard credit inquiry from Bank of America on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from XXXX XXXX and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from XXXX was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which I did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Consumer complaint received 2020-03-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (OH)

Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I need to open a consumer complaint about the Old Navy/Synchrony card as my credit score has been badly impacted due to a process that they have set up with Synchrony bank. 

Summary of events : I had to leave to US for personal emergency.

I did not carry my Old Navy card for the trip and I do not remember the card or Userid/pswd online I get emails reminding for payment. I asked your customer service for helping me. You can see email below.

I called via phone few time and found an automated support as I did not have card I could not pay on phone. 
I tried to reach out via online chat but no-one could help. 
I tried to many times but not having the card/useriod/pswd with me I could not pay. 
OldNavy/Synchrony Bank company reported my card for late payment despite me trying to reach out to you and Synchrony multiple times. 
My credit score impacted by XXXX points. 
And this late payment would be on my record for years now. 

I reached out to OldNavy/Synchrony bank multiple times and tried to talk to their leadership to fix their process as they would be impacting scores for people like me who genuinely want to pay but due to " out side own control '' situation can not pay. 

Synchrony has mentioned that they have no email address and they do not take any complaint. Ideally I want Synchrony bank to send the update to credit score companies so that my score can be fixed. 

Before putting it out in public, I tried to get information from Synchrony bank team but none responded to my my email despite multiple email outreach.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (DE)

I was supposed to receive direct deposit XX/XX/2024 I usually get paid 2 days early on a wed when I noticed I didn't get paid I kept notifying my bank and my job to find out the issue my job said the money was sent my bank tried to tell me nothing was never sent on Fri the XXXX approximately at XXXX I get a message from my bank saying they had technical issues on their end and contact my employer to send it again i contacted my job and they said the money was never kicked back to them so call again Monday, on XX/XX/XXXX i contacted my job about my money they said it was never kicked back to them so I called the bank again they said they would put in a report about my missing money and email me which i never received a email so XX/XX/XXXX I called my job again to check on the status of my money it still wasnt kicked back to them so I called the bank again to question where my money was they put me on hold several times came back and said they couldnt do anything for me so I asked for a manager they put me on hold came back and said all the managers were busy can we get your email i said yall said that the other day and said i will wait they said no i asked the guys name he said XXXX i said can i get ur full name he refused and proceeded to hang up on me XXXXXXXX XXXX is not trying to fix the problem or even speak about it I'm without money and they don't care
Consumer complaint received 2023-01-16
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. (TX)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  has violated my rights. 

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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (MN)

I applied for a job through XXXX who used a background check Through Sterling background investigation company to deny me for employment. On the application it clearly states a 7 year review of criminal history and my employment was denied because of an offenses dated from XXXX  which is clearly beyond the 7 year dates in question. I have tried to resolve this with the company and dispute this manner directly with the company and they did not allow me or give me a proper way to dispute their decision.
Consumer complaint received 2023-02-06
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX