davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Re-doing this. 2nd try. Citizens One. formerly RBS. I have had a credit card account with them for years. I charge items every month and pay the full balance every month. Thus I avoid interest charges. 
Recently they changed their website causing confusion as follows. 
I get an email saying my statement is ready. I log on and get a message that no payment is due at this time. 
Today I logged on and was surprised by my balance and began to drill down into the individual charges and discovered an approximately {$41.00} interest charge for XX/XX/2020. 

Previously their e-mail notification and log-on took you to what you charged, what you owe and when it was due. 
I called them today and was told by a rep that the " you owe nothing at this time '' message is because at some point you have made a minimum payment and that you have to continue and look at your charges to determine what your owe, or to that effect. 

I attempted to resolve this issue by telephone which involved an UNBELIEVABLE hold time, ( even with Covid ), asked for a supervisor, and was transferred to another person after a long time who could not resolve, and identified as the same rank as the person I dealt with initially.. Cit1 has  no e-mail or chat for resolving problems that I can see to preclude endless hold times. 
I can't be the only person who is getting hoodwinked by their website message '' no due at this time '
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-04-11
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. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (WA)

I called XXXX XXXX XXXX in XXXX to set up an appointment for some XXXX  symptoms. I was then called back by XXXX nurse who told me I needed to go to the emergency room, despite my belief that I was experiencing XXXX  symptoms. Acting on her orders, I visited XXXX Emergency Room in XXXX. I was checked in, examined, had my XXXX symptoms confirmed. Later I received one $ XXXX bill and another {$800.00} bill. Upon review of my charges, I noticed my visit had been coded as a level 5 ER visit -- the highest level of complexity a visit can be afforded. This is the same level someone is coded as when they go to the ER having a XXXX XXXX, and is the reason the $ XXXX bill is so unreasonably high. 

XXXX has been unwilling to reevaluate the level 5 coding. A simple XXXX XXXX  and some XXXX XXXX   do not merit these exorbitant charges, and could have been performed by my primary care physician, out of the ER ( as I originally intended ). A XXXX XXXX  averages around {$250.00} per XXXX, and XXXX   XXXX should be comparable. 

Because the ER visit was at the direction of a XXXX nurse, and occurred during an XXXX XXXX, I believe I am being taken advantage of and extorted for funds that are unreasonably high.
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

It is high time credit providers should be able to provide interest rates on mortgages without the need to pull ( ding ) credit or do a full underwriting to do so. The major factors of credit score/LTV/terms requested style ( fixed/variable and maturity ) should be more than enough to quote current interest rates without playing the games of requiring all information thereby locking the borrower in to using them as the provider. It is just a sales game and needs to stop complicating the process. Providers need to set themselves apart and make themselves preferable via the service they offer rather than trying to handcuff borrowers via the request for excessive information and credit dinging.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I want to report an illegal practice by Fay Servicing XXXX XXXX XXXX XXXX Texas XXXX. For the last several months Fay Servicing has been claiming that I did not make payments in XX/XX/XXXX and in XX/XX/XXXX. I have provided them with bank statements and cleared checks but no one is talking to us or taking care of the issue. I have engaged a Hud certified housing counselor and legal aid but so far they have not been able to help due to Fay Servicing not responding. Even their own records show that I paid the mortgage in the months they claim. I am really frustrated as it seems there is nothing anyone can do and Fay Servicing is doing whatever they want without rules. Back in XXXX, they sent us an Intent to foreclose even though we were current by the bank records. Now they have stopped excepting our payment based on that false and unsubstantiated claim of default. To date, they have not been able to provide documentation that proves the claim. Even their own loan payment web site contradicts their claims but no one is taking care or wants to resolve the problem. It seems that they want to foreclose our house at whatever cost, whatever way. This is a disgrace as I am a military veteran and even though we are paying our mortgage, my spouse and I may become homeless and watch these people steal the house illegally.
Consumer complaint received 2020-04-04
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. (CA)

Early this year on XX/XX/2020 I went to XXXX XXXX XXXX XXXX in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. 

When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. 

Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. 

I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. I spoke to Citi on XX/XX/2020 but did not come up with a resolution. 

What XXXX did is fraud and I need Citi to reverse the charges on the card.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I have a PayPal account that I have used for a while. I have actually you use PayPal for over five years though the account im talking about was a new one. 
I had a guy I was dating who will send me money 2 times a week, even 3 times a week sometimes. Well when I didnt want to take our relationship to the next level we split up and he contacted the credit card company and said that I am money he sent me was unauthorized. Further more, He says he was supposed to get goods from me that he never got, which is why he requested his money back. But there were never any goods involved, none whatsoever, EVER! We dated for about six months, maybe a little longer and he sent me money throughout the entire Relationship. Not to mention he reported this months after the transactions took place. I have another account where he sent me money more to as well over the months we were together. So how would only five transactions out of 30 be an issue but the rest not be? So dont understand how he is getting away with this. They sided with him without even talking to me. So dont understand how he is getting away with this and they sided with him without even contacting me about it directly. I just got an email saying there were an open cases and then emails saying The cases were closed. This is awful that someone can fraudulently report something like this and its not even get looked into. My account is almost {$1000.00} in the negative now and I dont know what else to do. I just know that is not right and should be **illegal** in the least. Its just disappointing how they can take advantage of the credit card companies like that. Not to mention how bad it is messed my account up. These are the transactions on my PayPal account that he claimed were unauthorized. 
I explained this in emails but never received anything back. Then finally receive something back today and they said that his credit card company opened the case on me and that there was nothing they can do to override them but when I talk to them they said that PayPal would act as my lawyer and handle it. So this is all messed up needless to say. I dont even know who his credit card company is so how would I even go about handling it with them? 

XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$300.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$200.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$150.00} USD Unauthorized transactionXXXX XXXX, 2020
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I have been fraudulently charged on 2 separate occasions by XXXX  XXXX  XXXX XXXX, also known as XXXX XXXX XXXX, after Governor XXXX XXXX ordered all gyms and health centers be closed effective XX/XX/2020 due to COVID-19. 

XXXX XXXX XXXX XXXX  fraudulently deducted the amount of {$45.00} on XX/XX/2020 from : XXXX XXXX XXXX XXXX NY. 

A second charge was fraudulently deducted from my bank account the next day, on XX/XX/2020 in the amount of {$31.00} from : XXXX XXXX XXXX NJ ' A total of {$76.00} was deducted from my account although they are CLOSED. 

I have tried to contact both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on multiple occasions with zero reply or answers as to why this is happening.
Consumer complaint received 2020-04-04
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. (MD)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Consumer complaint received 2020-03-25
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)

Someone seems to be using my personal information and this is identity fraud. I have several accounts on my credit that I never have had or used. They go by XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never done business with these companies. Please help me.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-07-30
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. (GA)

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION (FL)

I was charged interest in the latest billing cycle, even though I paid the full statement balance. This is my BBVA Compass credit card. I tried numerous times to contact the Customer Service. There is no Customer Service email address published on BBVA website. The advertised phone number XXXX does not connect to a live operator. They just say after several minutes of waiting that no operator is available, Good Bye! If I were able to discuss the issue with the customer service, I would not make this complaint. Please help. 
I understand that no employees come to work these days, but they can answer the phones and assist customers from home. Or accept and answer emails.