davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. XXXX will not remove this. I recently completed another dispute with XXXX ( XXXX/XX/XX/XXXX ).
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

I received a notice from credit collection services, asking to pay {$240.00} for XXXX XXXX XXXX  done in XX/XX/XXXX ( during COVID19 peak season when I had insurance with XXXX XXXX  Plan ). 

My medical condition warranted a XXXX XXXX XXXX, and so provider ordered one ( covered by insurance ) and test was conducted by XXXX XXXX. Between provider and insurer the procedure and diagnosis code were incorrectly coded and hence disposed as not covered. The test is performed at {$40.00} ( as published by XXXX online ). However, they attempted to collect unproven debt from me, as well as initiated a new claim with insurer. 

In early XX/XX/XXXX, I had a conference call with provider to have them give the right codes on the same call to XXXX, and requested them to correctly code the procedure. 

3 things concern me - 1. XXXX is price gauging ( why would they charge anyone more than market price online ) and defeating the intent of surprise billing instituted earlier this year. 
2. Inspite of my provider and me helping them with the correct code, they concurrently sent the paid amount to debt collection. 
3. According to CDC, AAFP, and other medical authorities my preventative diagnostic for XXXX XXXX is fully covered by under healthcare regulations, so its very surprising to see Quest flaunting those rules.

I would like to request a copy of this grievance to be shared with credit bureau and i will happily provide details to substantiate my request
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC. (UT)

Ally Bank recently placed a restriction on my account stating that my account was overdrawn repeatedly. 

The most recent overdraft was caused by XXXX XXXX. I paid my credit card bill that was due on XX/XX/21 on XX/XX/21. XXXX XXXX went ahead and processed by auto pay scheduled for XX/XX/21. 

Ally Bank emailed to about this overdraft and stated that I need to bring my account current within 10 business days, else, they will place a restriction on the account I deposited a check into the account within the given time, however, a restriction has been placed on my account. 

We ( XXXX XXXX XXXX ) believe this is a mater of discrimination
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

SOMEINE APLIED FOR THIS CREDIT CARDS USING MY INFORMATION ON XXXX

Source: XXXX XXXX:
JPMCB CARD SERVIES
Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2022-10-27
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

On XX/XX/2022 I was issued a refund of XXXX to my bank card, and was told I should receive it within 10 business days. Within those 10 business days I received a text someone made a transaction with my bank card, it asked if I authorized the transaction and I replied No, Chime still let the transaction go through so I called them complaining and the agent said he would replace my card but failed to let me know it would affect any processing refunds, so I eventually contacted XXXX because I was wondering why I havent received my refund which was on XX/XX/2022. They informed me the refund failed and I asked is it possible because my card number changed and they said yes so I would have to have chime refund me instead because they cant refund a card the item wasnt purchased with, so I contacted chime immediately and was told they have to dispute it and they cant immediately refund me but was told by 2 supervisors from Chime that I would receive a temporary credit by the 10th business day, I even have an email from chime stating on XX/XX/2022 my account would be credited, I called them today and now theyre saying disregard the email, I have to wait for the fraud department to finish investigating but Ive submitted all the screenshot between XXXX supervisor chatting, also the emails from XXXX confirming the refund but and I have multiple emails from chime saying Ill receive temporary credit by the 10th business day and now theyre saying they cant.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-27
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. (TX)

When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately nine separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-03-25
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: Siggi LLC (TX)

Omni Financial, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force XXXX to do a thorough investigation and remove this account from my credit report. As of today, Omni Financial has changed all of the charges they had on the account with XXXXXXXX XXXX and current update as of XX/XX/XXXX.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

I found my old prepaid Visa Debit Card by Vanilla I went to register it and it said its expired I called the company and they said since I didn't register it I loose the {$200.00} and theirs nothing they can do I have the card and the receipt
Consumer complaint received 2022-05-17
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: Receivables Performance Management, LLC (CA)

Re

ceivables Performance Management LLC. Has violated the Fair Debt Collection Practices Act, and Defamation of my Character
by breaking these laws. Attached is a copy of an AFFIDAVIS OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

Citibank charged a service fee and over-drafted my account twice. 

I've tried calling, chat ( waited 20 min ), and XXXX XXXX. They constantly closed our conversations and put me a new person to chat having to begin from scratch. 

I thought that I was going to get that service fee waived because I had the requirements within the dates of the same billing cycle. 

I talked to XXXX Saturday 15 when this was issued over chat and supposedly filed my complaint with the Executive Response Unit and was promised a call by them on Monday XXXX. Immediately after I took my account out of the overdraft threshold. 

On Monday XXXX, I went to a branch location and fixed the {$12.00} service fee. 

Now, today Tuesday XXXX, after 4 days the account was charged a {$34.00} overdraft fee and most likely they will attempt to do another overdraft fee tomorrow because of this last fee. Totaling {$80.00}.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I transferred money from XXXX XXXX account to XXXX XXXX  account through MoneyGram ref. XXXX, They said on their website that the process will take 3-4 days. It took 5 days until they sent it to the other bank from XXXX XXXX. I reached XXXX XXXX and the money still not received. I want to complain because they don't say that it will take that long and they don't give an exact date of receival. My family needed the money as soon as possible and they made it a night mare. 
I called several times to understand where is the delay and send email with complain with no reply from their side. when I called they were rude with no explanation. they said we can't do anything just wait for the other bank to process. they keep saying estimated date of receival and they keep changing that date. I called them today at XXXX XXXX, they said if the money not transferred tomorrow, we will open a special case of investigation. which means more time with no money arrived. 

I wish they wrote that the service will take more than 10 days, I would never used their service.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (NY)

This company is unethical I feel. I tried making my payment today because it is the first bill I have received even though I have tried before to make the payment several times. I do have screen shots and can email them upon request, as your system doesn't seem to be to swift in uploading pictures or videos XXXX XXXX XXXX Statement says I owe nothing but that is not true XXXX XXXX  : I called to report an unauthorized charge several months ago for an XXXX from XXXX that was never delivered. I never received a provisional credit and the expense never came off the bill. 

I was put in XXXX got XXXX, and then had to move to XXXX to help my XXXX Dad who unfortunately died of XXXX.
Consumer complaint received 2022-03-24
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet Experian continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that Experian dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - Experian is still ignoring the error which continues to harm my credit and cost me time and money
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2022, A unauthorized ATM transaction occurred of XXXX dollars. I disputed the next day and my bank Chime said ok we will investigate. 3 days later I get a email from chime saying that they found no wrong doing. That is impossible because on XX/XX/2022 I had my debit card with me in my wallet. So now I dont know if I will ever get my XXXX dollars back.
Consumer complaint received 2022-05-17
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. (CA)

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX  XXXX XXXX  Loans ) 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 an account without my written instructions.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (AZ)

I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.
Consumer complaint received 2022-03-24
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: JPMORGAN CHASE & CO. (CA)

Someone has been using my credit card for XXXX purchases without my knowledge. There are about 127 unrecognized XXXX transactions on my credit card from the beginning of XXXX to XXXX that I recognized on my credit card. These charges did not show up on my XXXX account and were not recognized by any family or friend asked. All the unrecognized transactions added up to about {$6300.00}, all classified as XXXX purchases. After reporting credit card fraud to my credit card company, they closed my credit card and temporarily lifted the charges for those unrecognized transactions. After the credit card company 's fraud department reviewed my dispute, they concluded that I received benefit from this transaction, which I know I have not. I contacted XXXX XXXX  and they found that a separate account has been using my credit card. I submitted another review for the same fraud case to my bank. This time, the credit card company also knew the separate account name that had been using my card and knew the address to where those XXXX deliveries were being sent to. After a second review by my bank 's fraud department, they still concluded that I received benefit for those transactions and closed my dispute. I have records of all my interactions with XXXX and all the unrecognized transactions made on my credit card. I contacted XXXX XXXX  again about my situation, and they said before they could proceed with the transactions records of all my unrecognized purchases, they needed additional documentation to verify my identity and the claim of fraud or identity theft. XXXX XXXX  even found the account holder 's name that make all these charges. XXXX requested an identity theft affidavit prepared in conjunction police report and a copy of the police report regarding this incident. My local police dept took too long to get a case number for my report, so the identity theft affidavit from XXXX expired. This is during the Holidays and Covid time and they have shortened the lobby time at the police department. I showed my bank account my XXXX transaction history with screenshots and my account info, but after disputing again, they once again concluded that I received benefit from those transactions. At this point, I don't know what else I need to show my bank account to prove that I did not make those transactions.
Consumer complaint received 2022-05-17
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. (TX)

Hi I am a victim of XXXX XXXX and Equifax, XXXX, and XXXX are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and they have not deleted the 30 day late payment. I need Equifax, XXXX, and XXXX to abide by The Cares Act. They are violating The Cares Act. Please ensure that Equifax, XXXX, and XXXX update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. Thank you for your hep with this matter.