davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (FL)

On XX/XX/XXXX I purchased on my Costco Visa Credit Card 2 tickets from XXXX XXXX, Fl. to XXXX, XXXX XXXX departing on XX/XX/XXXX and returning on XX/XX/XXXX. The total for both tickets was {$5300.00} for each ticket ( {$10000.00} for both ). 

XXXX canceled the flight due to COVID. In fact XXXX XXXX would not even allow US travelers in the country on our travel date of XX/XX/XXXX. 

https : //za.usembassy.gov/health % e2 % 80 % afalert-lockdown-extended-updated-u-s-embassy-pretoria-XXXX/ On XX/XX/XXXX, the government of XXXX XXXX announced an extension to its period of lockdown for an additional two weeks until XX/XX/XXXX. The lockdown measures were implemented to limit the spread of XXXX. 

In light of the fact that the flights were canceled, and in accordance with XXXX 's stated refund policy ( see below ), I requested a refund for the flights that were canceled. 

The refund policy when XXXX cancels the flight is as follows : XXXX XXXX XXXX   Can I request a refund if my flight has been canceled or significantly delayed? 
In keeping with our longstanding policy, if we cancel or significantly delay a flight ( delays or schedule changes greater than 90 minutes ),  we will first attempt to rebook you on an alternate flight, if one is available. 
If we can not find an alternate flight and we cancel the reservation for you, or if you choose to cancel the alternative itinerary we have selected for you, you have a couple of options : An eCredit for the value of the ticket, which can be used toward future travel through XX/XX/XXXX ; or If you prefer, you may request a refund to your original form of payment. 
I requested a refund, XXXX indicated they would do complete it, and after months they failed to do so. 
This refund I am seeking is in accordance with XXXX XXXX policy. 

There are class action lawsuits against XXXX regarding their failure to comply with their own policies. https : XXXX My complaints are with the Citibank Mastercard dispute department XXXX which provided me with a credit but did not allow the credit to become permanent, and with XXXX XXXX . XXXX promised me a voluntary refund, and, contrary to their stated policy, refused to give it. 

When I was forced to submit a credit card chargeback, they contested the chargeback and refused to allow the temporary credit on my credit card statement to become permanent.
Consumer complaint received 2020-07-28
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: Adler Wallach & Associates, Inc. (LA)

I have duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan AWA Collections is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2022-02-18
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (PA)

I live in XXXX, and dropped off a check at a mailbox at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}, made out to my XXXX for his XXXX. 

On XX/XX/XXXX, I discovered that the check was cashed for {$5800.00} to an unknown payee, XXXX XXXX. The check appeared to have been stolen from the mailbox ( which has been happening often in XXXXXXXX XXXX XXXX XXXXXXXX ) and doctored. 

I raised the issue with my bank, Ally, immediately and closed the account. The bank promised to reimburse the funds as soon as they were available, but no action has been taken since the end of XXXX when the funds were listed as " pending ''
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

I have disputed the accounts shown in my attached spreadsheet multiple times with XXXX, Equifax, and XXXX, most recently through online dispute in XX/XX/year> and then by mail XX/XX/year>. I requested proof of any late payments as well as verification of information on these accounts. I also requested that these erroneous accounts be deleted from my report if the errors were not fixed. I was never provided proof and the errors on my credit report were never fixed as a result of my disputes. Each of the XXXX credit bureaus claim that they have completed a reasonable investigation, but these accounts are still being reported inaccurately on my credit profile, which is hurting my credit and shows their improper investigation into all of these disputes -- if the information was in fact verified as they claim, it would not be being reported differently by each credit bureau. I do not understand why they claim to have completed an investigation, and yet different dates of last activity AND different payment history is being reported by each bureau for each of these accounts. I believe the different dates of last activity indicates the illegal re-aging of the dates last active. My rights are being violated under FCRA. These inaccuracies accounts are hurting my credit and defaming my character, violating 15 USC 1681. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The discrepancies in the reported " date of last activity '' and payment history across different credit reports are inaccurate and violate FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 8 ). Additionally, the collection accounts shown one of the files I've attached are illegal -- the 2 collection agencies shown are not licensed to collect for my state ; I submitted proof of this to all XXXX credit bureaus when I disputed the accounts ( attached screenshot showing the states they are listed to collect for and Maine is not listed ). XXXX removed them, XXXX and Equifax refused to.
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I'VE RECEIVED COUNTLESS HARASSING PHONE CALLS AND SEVERAL LETTERS INDICATING I OWE MY PERSONAL PHYSICIAN {$430.00}. THE LETTER IS FROM A COMPANY CALLED " CONVERGENT '' OF XXXX, WA ( FORMERLY XXXX   XXXX ) DATED XX/XX/2020 AND INCLUDES MY DR.S GROUP NAME " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
I IMMEDIATELY CONTACTED MY PHYSICIAN WHOM I HAVE NOT SEEN IN NEARLY TWO YEARS AND THEY CONFIRMED I HAVE A XXXX BALANCE AND THEY'VE NEVER HEARD OF CONVERGENT. 

I HAVE TWO SIGNIFICANT CONCERNS, THE FIRST BEING THEIR ABILITY TO IMPACT MY CREDIT SCORE AND THE SECOND BEING IF I WERE  ELDERLY OR INFIRMED I WOULD PROBABLY PAY THE BILL WITHOUT QUESTION. 

SHOULD YOU REQUIRE ANY ADDITIONAL INFORMATION PLEASE CONTACT ME AT XXXX.
Consumer complaint received 2022-02-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NC)

On XX/XX/2022, 39 State XXXX  's announced a settlement with Navient. Navient is required to pay out billions to borrowers. One of these XXXX 's is NC XXXX XXXX XXXX. 

I have been trying for the past year to make Navient understand that I am retired and on a limited income and no longer can afford anything for pay back. Since it has been 20 years and XXXX months since the inception of this loan, I have been requesting Loan forgiveness. Navient gives me alternatives which require payments for another XXXX years. They continued to telephone me even though I asked them to use the XXXX for communication. The FSA site says I don't have any payments to make until XXXX, 2022, but I continue to getr threatening bills from them as recent as XX/XX/2022. 
On the same day, XX/XX/2022, I received a cutesy letter from XXXX with a new account number, trying to get me to pay them.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (TX)

Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (TX)

Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.
Consumer complaint received 2021-08-20
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (NJ)

I applied for a 203k fha construction loan with Guaranteed Rate in Illinois and bought the home in XX/XX/2018. it is a construction loan so I interviewed contractors and picked one and Guaranteed Rate assured me that they would do a thorough background check before they approved him. They approved the contractor and I gave him {$20000.00} dollars of my own money to start the work. The contractor then destroyed the home and took off with my money. When I asked Guaranteed Rate how he passed the background check, they told me all they ask is for 3 reference letters!!! 
I have continually interviewed many other contractors to work on my house and now they want double the money I originally had for the construction of the home because of the mess the original contractor made there. 
Since Guaranteed Rate approved the Contractor without a proper background check, I asked Guaranteed Rate to please defer a few payments or lower my mortgage payments just until I could get a new contractor and they have continuously refused! 
I have constantly contacted Guaranteed Rate, dealing with XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. They either don't respond or tell me they will get back to me and never contact me back. I then told them that I would be making complaints with Department of Banking. Today, I find out that they have sold my mortgage to another bank called XXXX XXXX - I found out because I contacted Guaranteed Rate AGAIN and they told me they no longer had my loan. I contacted XXXX XXXX and they advised me my loan is in default because I haven't made payment which is NOT true, my mortgage is up to date!!! 
I have spoken to an attorney and he advised me that after looking at everything, Guaranteed Rate is in fact at fault! They should have done a proper background check and the HUD consultant assigned to my home should have known that the amount the contractor bid would be impossible to do that scope of work. 
This bank has ruined my life!!! I am a XXXX year old single woman who put everything I had into this home and I'm about to lose everything!
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

XXXX shut down the XXXX XXXX XXXX and has taken over the banking for the former customers of Simple. However, nearly all of the Simple customers, including myself, are unable to access our money because they failed to properly prepare for the transition and lied about the transition process. 

Several key XXXX activities by XXXX : Transition occurred XXXX night. XXXX knows that their customer service is closed over the weekend, but continued the buggy transition anyway. 

XXXX knew that this weekend is XXXX XXXX XXXX, yet they expect thousands of customes to spend their entire holiday on the phone for hours. 

XXXX hangs up on their customers. The ONLY way XXXX can resolve the problems is over the phone. However, I and many thousands of customers have called multiple times and were hung up on by XXXX XXXX XXXX. 

XXXX had several months to prepare for the transition. Simple gave us well advance notice of the transition and so did XXXX. XXXX assured Simple customers that the transition would be seemless and easy. However, it seems that XXXX lied and did not prepare at all. If I had not been mislead by XXXX, I would have transferred my money to a different Bank and closed my account beforehand. However, I LOVED Simple and how easy to use it was, that I stayed with them till the end. I and as every Simple customer was falsely led to believe that the transition would be easy. 

Also, XXXX sneakily automatically enrolled EVERY Simple Customer into receiving Paper Statements for a fee that can only be XXXX if one has access to their XXXX account and is then able to navigate a maze of account settings to disable the Paper Statements. However, it seems that XXXX knew that the transition would not be smooth, hence Simple Customers would not have accessto their accounts ; therefore, XXXX can charge us all fees because it is impossible for us to disable the Statements. This decision by XXXX seems quite intentional.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On aroundXX/XX/2019 I spoked with a Bank of America Rep about a {$12.00} maintenance fee or other bank fees. 
He stated that the bank fees and overdraft was going to be credited back to my account as long my new direct deposit from XXXX XXXX XXXX XXXX XXXX XXXX income of {$4300.00} is deposited on XX/XX/2019 at XXXX XXXX. 

Bank of America wasn't going to charge any fees. OnXX/XX/2019 I checked my checking account and I have derogatory fees of {$12.00} and overdraft in which my account is negative XXXX cents.because of the {$12.00} fee and overdrawn fees. 
OnXX/XX/2019at around XXXX XXXX XXXX time I spoke to Bank Of America Rep and she transfer to her Supervisor Mr.XXXX on a recorded log conversation, he was a Supervisor from Bank of America in XXXX XXXX and the time in XXXX was XXXX as he stated. 
Mr.XXXX  couldn't resolve amicably the issues of Bank Fees. 
I am respectfully XXXX XXXX and XXXX.
Consumer complaint received 2019-03-22
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: Bridgecrest Acceptance Corporation (MD)

I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX  I have so many inquiries and accounts that I know nothing about like Bridgecrest and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Consumer complaint received 2020-07-28
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Consumer complaint received 2020-07-28
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Wakefield and Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

In the middle of XXXX we were told by XXXX XXXX that our loan was bought by XXXX XXXX Lakeview Mortgage company. We were told we would receive information within 2 weeks of start of the new contract ( new contract started XX/XX/2022 ) We have gotten no contact from XXXX XXXX Lakeview. or any XXXX XXXX company. I reached out to contact them and was stuck on hold, when i opted for them to call me once my place in line was up i never got a call. I seem to be able to make payments over the phone but have no account information or number. As a first time home buyer my goal was to setup autopay as fast as possible like i did with our previous company ( XXXX XXXX ) While you don't need a loan number over the phone to pay you do to setup autopay which i still don't have.
Consumer complaint received 2020-07-28
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)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I was told by my discover card that upon their investigation that it was not fraud on my account, but the only thing that they base their facts upon is the facts that favor them. When i submit my facts to the company via fax, mail, email, by phone the company does not take them into consideration, they reply with things that favor them, as if they don't even look at my documents.

I was told that upon their investigation that the physical card was used 4 times near my residence on XX/XX/2016 but i am saying that i never used it and it was physically impossible for me to use it because i was in a different state at that time. If someone used my credit card, I do not know who it was, and its up to police and Discover Card to find out but to blame the charges on me is completely wrong.

I am sending proof of a airline company ticket that, not only the fact of me purchasing it, but the one that states that i actually boarded the plane and flew to another state, its an official proof that has confirmation numbers from XXXX. So if I was in one state and purchases with my credit card were made in a different state- thats fraud, that i as a customer is not responsible for.

I am also sending proof of an official receipt from a Limousine company that i was picked up from a hotel and dropped off at a studio for work in XXXX, WI.
Consumer complaint received 2021-11-09
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. (SC)

The first round of letters I wrote to all 3 credit bureaus XXXX, Transunion, and XXXX on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from Transunion and XXXX was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.