davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (IL)

l have 4 active credit cards over 2 years old and 2 active personal loans and l still can not get a Fico score from Equifax. 
I have been sending them letters for over 2 years with no result. 
I filed a complain with your institution on XX/XX/2019 without any result. 
So, can you help this time? 
My current Fico Score is XXXX. 
Can you do something about it, please? 
Thank you.
Consumer complaint received 2018-05-07
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: CITIBANK, N.A. (CA)

When l checked my XXXX credit report today l realized that ; Citicards reported a hard inquiry on XX/XX/2018 which l have no idea about.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I applied for paypal credit. Got approved thru Synchrony Bank which extends for Paypal. 

I did this credit application to purchase a massage chair from XXXX. 
Chair arrived. Was NOT AT ALL what description and performance claimed. 

I returned it under the 30 days easily. MEssaged merchant from beginning. 
Also arrived scratched. 

Product is from XXXX but was shipped locally from XXXX Calif. 

I returned it with the XXXX shipping label they provided for the 2 separate boxes they sent. 

Tracking Labels box 1 XXXX larger box ) - XXXX Tracking label 2 -  XXXX XXXX came and picked up on XX/XX/XXXX. 

Merchant claims XXXX did not deliver. Not sure if it is XXXX  or Merchant but Paypal credit/Synchrony bank is charging me {$120.00} per month minimum payment on item I returned, that was scratched and malfunctionable. 

I reached out to paypal they wouldn't help me. I reach out to XXXX they said I didn't return item in 30 period when I did. XXXX is claiming they can not locate anymore? 

Not sure what to think or who commited the fraud/error.
Consumer complaint received 2018-05-07
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: AMERICAN EXPRESS COMPANY (AZ)

I applied for an Amex Delta SkyMile card. I made purchase of the required amount within the required time. But it has been more than 100 days, I am waiting to get my bonus points. I am not able to book my tickets because of that. While contacting Amex customer service, they have the same answer all the time " We are Investigating '' None is  ready to provide me any time line or any point of contact to escalate the issue. The worst service I have ever seen in my life. 

I talked to the customer service manager. He also does not have any answer. 
The only answer I get is that " we are investigating ''. You cant even imagine how frustrating it is to wait for more than 100 days for the SkyMile points. Here is the Online conversation ID : XXXX
Consumer complaint received 2022-10-14
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. (NJ)

See attached. Settlement demand has been sent to the registered agent of Transunion as of XX/XX/2022, it's valid for only 15 days of notice before a civil lawsuit is filed with the Superior Court of New Jersey.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

All three credit bureaus are erroneously giving mortgage loan comings inaccurate fico credit scores on me. 

I'm thinking this is retaliation for turning them in before and also discrimination.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER BANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

My mother passed away in XX/XX/2018. She owned a condominium in XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX CT. The property has a mortgage with Bayview Mortgage. I called them in XXXX explained that we were selling the home, and sent them a copy of the will. The representative at Bayview told me to " keep paying one payment a month and we will be fine. We listed the property for sale with a Realtor and I have continued to make a payment each month as instructed. As of this date the lender has not taken any legal action against the property, which is now in probate. However, at the end of XXXX their inspector changed the locks on the property and posted a notice that no one can sell the property. This is interfering with our ability to sell the property, as well as depriving my family of the use of the property, which we are entitled to, as the heirs of the estate. Please help us regain possession of our family property. Bayview has no legal reason nor right to take possession of the home. The home is in good condition. In fact I have recently done substantial work to the property to facilitate its sale. The property was also completely secure until the lender broke into it illegally. Although, I have provided the requested probate documents to the bank they refuse to discuss the matter or respond to my repeated calls.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY (WI)

American Express allowed a 3rd party to take over the account. They were notified for a period of more than 3 years about this issue.

Eventually, a Equal Rights complaint was filed notifying this company of the interference of the 3rd party continous and ongoing. CFPB was contacted and notified of the actual account holder being daily denied access online, in person, on the telephone without use of her card or billing statements. American Express ignored the notifications continously and ongoing.

American Express knew or should have known about the blocked account, and the card holder informed American Express but again ignored locking the account holder out for 3+ years.

The account holder is protected from theis type of fraud stemming from the take over on her account, and no access. American Express did not taken any steps to secure the account from fraud and took no steps to correct this issue. American Express is ultimately responsible for the account being taken over by a 3rd party.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/21, I made a payment to my Synchrony bank credit account using my credit union checking account. For some reason, Synchrony decided to debit my personal checking account instead. Both accounts are on file with Synchrony bank 's online payment system. When I noticed the charge to my personal checking account on XX/XX/21, I immediately contacted Synchrony Bank. They claimed that payment was made from my personal checking account, but I am absolutely positive that I did not authorize my payment to be deducted from that account. I asked if they could correct the error and debit the correct bank account and I was told that they were not able to reverse the payment. In XXXX, when I attempted to pay my bill using my credit union account, the payment did not process. At that time, I reprocessed my payment using my personal checking personal account. Synchrony bank has decided that it is okay to debit my personal checking account with my authorization.
Consumer complaint received 2022-10-14
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. (IN)

In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (NE)

I have filed disputes about several items on my credit report with XXXX and XXXX and have had absolutely NO ISSUES. I have tried to file the same disputes with Equifax and have had NOTHING BUT ISSUES. I have tried online and I have called and they are not letting me file my dispute because for whatever reason they don't believe I am who I am. Even though I have given them name ( both maiden and married ), date of birth, social security number, address ( both current and previous ) and pretty much my BLOOD TYPE. This is very frustrating! I am trying to work on my credit and get items removed that should not be there. There is no way that I could have incurred the charges between XXXX and XXXX. I need help.
Consumer complaint received 2020-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company (WA)

I started a repayment plan in XX/XX/2019, rather than {$1800.00} a month, I was to pay {$2700.00} ( and change ) each month ... I have been on time with my payments except just recently I had a payment due on XX/XX/XXXX. I had called multiple times, sat on hold for collectively over 6 hours, I reached out my personal lender, and I even send a message through my online portal. Not ONCE was I sent a response or given a call. They are now saying I broke my repayment plan and therefore needed to put {$2700.00} down and repay {$2300.00} a month for the next 6 months. This is absurd and seems like theft considering I was on my LAST {$2700.00} payment and they were to go back down to {$1800.00} a month ... I was intentionally ignored and I  wasn't ever provided any help or response.
Consumer complaint received 2020-02-24
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-24
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (CO)

This is a medical bill that was 100 % covered by my insurance. It just showed up on my credit bureau, as the only negative account I have. I called the collection company. The company being, AMCOL SYSTEMS@XXXX. XXXX XXXX XXXX, SC XXXX. This company was informed of my insurance company being responsible for this medical bill. I called them over and over about pursuing the bill thru my insurance company. When I saw this bill in collections thru XXXX XXXX, I called the insurance company again and was given some very upsetting information. The agent at my insurance company said that Amcol Systems REFUSED TO RECEIVE THE DOCUMENTATION PROVING THAT I WAS COVERED AT THE TIME OF THIS MEDICAL EMERGENCY!!! I am very overwhelmed with this since I care dearly about my credit and this one bill has brought my score down over 20 points. I am talking to an attorney now. This is so wrong!!! I have recently lost my husband, had a XXXX XXXX and XXXX XXXX XXXX. I am in a wheel chair, unable to drive so I have tremendous challenges both physically and emotionally. I am going to get the documentation myself and fax and mail it directly to the collection company. If this isn't resolved soon I will pursue legal council and file suit against AMCOL SYSTEMS.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA does Not provide a TRUTH IN LENDING STATEMENT. see attatched XX/XX/2019 statement showing OTHER CREDITS {$2.00}, XXXX and TOTAL CREDITS ONLY {$910.00}. Definition of TOTAL. = Comprising the whole number or amount. USAA statements SHOW TOTAL CREDITS that do Not Comprise the whole number. WHAT PART OF TOTAL DOES USAA misunderstand? Why are they allowed to hide credits? ( Without A VIEW OF THE CREDITS the statement IS NOT THE WHOLE TRUTH. NOTHING BUT THE TRUTH UNLESS the temp credits OTHER CREDITS DID NOT APPLY ) ** Either statement is not TRUTH IN THIS LENDING or the credits WERE NOT APPLIED.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Each month for the past two months on the day i am required to make a payment, I am charged a return check fee. I place the money into my XXXX XXXX XXXX XXXX account in anticipation of the payment being taken out by Citi Cards the next day. on the XX/XX/XXXX day of the month before taking anything out of my XXXX account, they first charge me a return check fee and then take the money out of the account the same day. They claim that it is my banking institutions fault that the money was not available, but I have called and spoken to the XXXX and they tell me that when you place money into you account at a branch, it is available immediately, and there should be no problem with them withdrawing the money from the account on the XX/XX/XXXX.  I have been charged twice this way, and Citi Cards makes the same excuse for the return check fee each time. They are stealing from me.
Consumer complaint received 2020-02-24
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I attended the school in XX/XX/2019 and I withdrew from the school early because I didnt like it so I stop attending the school on XX/XX/2019 I went there to withdraw. The finicial aid guy talked me into holding my seat because I may come back instead of withdrawing and starting over. He told me I would not be charged I would be tooken of the attendance. I told him Im not coming back though he insisted this was the better option. I got an phone call in XX/XX/XXXX saying why havent I been in school then I had to explain to the guy what do you mean I was suppose to be withdrawn he said Im still on the attendance as Im coming to school. I was shocked because the guy lied to my face and still had me being charged when I wasnt there any more. I owe a loan in the amount of XXXX and its on my credit already and I was approve for fincial aid too