davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (DE)

XXXXwo weeks ago I had to submit a complaint against US bank Reliacard for {$500.00} in charges that were made fraudulently on my card because it hasnt been resolved and this happened back in XXXX XXXX 2021. Well I finally got a call from them and yet another dispute filed and was instructed to call back if I havent received that dispute form to sign and return and I have not received it as of today, XX/XX/2021 so I called back and was told that my money that was deposited today from unemployment can not be transferred onto my new replacement card and they said that its in my agreement that I forfit my money when I get a new replacement card and will forfit all my benefits that get deposited weekly for as long as they get deposited and that I can not ever get any money from them ever for my unemployment benefits since I had to get my card replaced and filed a dispute against them and filed with your company in the first place. That is {$930.00} on that cards account number that filed the dispute on and get {$420.00} weekly for the next 23 weeks that they are claiming that I will never be able to access and they will never transfer onto my replacement card. PLEASE HELP ME AND DO SOMETHING WITH THIS DISGUSTING, FRAUDULENT, FELONIOUS " COMPANY '' BECAUSE THEY ARE THIEVES! NOTHING MORE AND NOTHING LESS-THEY ARE STEALING PEOPLES MONEY AND DEFRAUDING THE GOVERNEMENT AND TAKING THE ONLY INCOME ME AND MY 4 MONTH OLD HAVE OR WILL HAVE FOR 23 WEEKS AT {$420.00} PER WEEK AND THE MONEY THAT IN MY CARDS ACCOUNT AS OF RIGHT NOW WHICH IS {$930.00}. PLEASE PLEASE HELP ME BECAUSE I CAN NOT FEED MY BABY OR PAY MY RENT OR ANYTHING NOW BECAUSE OF THIS THIEVING COMPANY
Consumer complaint received 2018-05-08
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. (NJ)

When choosing a credit card, security is a major priority. Having a card you know will respect your service as a customer is one of the most important things to look for in any credit card company. 


Citi Diamond Perfefed XXXX XXXX unfortunately can care less about their customers. I will never recommend this card to anyone. We were scammed out of {$4000.00} by a fake marketing company that did not provide any services for us. The company fought back by sending in a proof of payment ( obviously we paid them, thats the problem! ) and Citi bank took their word for it over their own customer and gave them back 4K!!!! When we called the representative apologized and told us to send in a proof of cancelation letter. 

We reached out to the company many times begging for this letter and they refused to send it to us. When we finally got a hold of the letter, we sent it in immediately. By the time we submitted it the due date for the letter was past due according to them, but the representative said there would be nothing to worry about since we were in constant communication with Citi.

Its been almost two months and we still do not have our money back. They actually gave the money back to the scam company and when I called to speak to a supervisor today they said the time is up for this dispute. Ridiculous!! I will never trust CITI OR XXXX ever again!!! We are loyal customers and they allowed a fake marketing company to just steal our money.
Consumer complaint received 2021-12-15
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. (MD)

Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2018-07-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (AL)

I took out a loan with XXXX XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/18 and contacted XXXX XXXX on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from XXXX XXXX until I blocked their number on XX/XX/XXXX.They have now reported me to a collection agency called Recovery Services/Astra Recovery and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and XXXX XXXX was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX  the phone number and in the comments section it states that this is a debt collector for XXXX XXXX.He asked me to verify my information and I responded I will not.
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Financial is the creditor that my XXXX account is with. They were paid off in XXXX from my XXXX XXXX account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I have talked to synchrony many time and they have given me the run around for over 4 months.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company ran my credit 7 times. This was only supposed to be a soft pull. Then they denied application saying they couldnt verify me although they obtained my score. They are violating the Equal Credit Opportunity Act.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Three years ago i answered a complaint from XXXX & XXXX re : an alleged debt under my name. I answered and informed them that I was a victim of identity theft and requested documents which they could/would not provide under DISCOVERY including a 1099XXXX the case was assigned to a SUPREME COURT OF XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. back and forth then all of a sudden the case went quiet for almost three years. now I receive a letter application to convert pending action to E-filing. I have a police report of identity theft, another case was recently dismissed with prejudice because of this. XXXX XXXX XXXX has not and will not fulfill the elements of this process
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XX/XX/2019, I was informed that my mortgage company, Ocwen Loan Servicing, that my mortgage payment was going to be increased by almost XXXX because I had no insurance. I did have insurance and I immediately faxed proof to the insurance dept for Ocwen Loan Servicing which was later bought by PHH mortgage. Month after month they would promise to correct the mortgage amount and they did not. I have repeatedly requested and begged them to fix the problem and they promise they will and they do not.

I do not know how to protect myself from a big mortgage company like PHH, I need help.
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Mr. COOPER continues violating government requirements by not sending monthly mortgage statements, as they assured and are required to do. Since they have purchased of my mortgage it has been necessary for me to file three ( 3 ) complaints previously ( listed below ). Now, I have only received one ( 1 ) mortgage statement since the initial payment due date of XX/XX/2019. 

XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 )
Consumer complaint received 2021-12-15
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. (NY)

I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously
Consumer complaint received 2021-12-15
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. (NE)

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below 1. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NE XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information XXXX times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX  days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-15
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)

Had purchased a ticket on XXXX on XXXX XXXX from XXXX to lasvags on XX/XX/XXXX. that is the weekend that XXXX canceled thousands of flights. They changed my flight route on XXXX from a route via XXXX to a XXXX XXXX XXXX. the flight out of XXXX was delayed XXXX hours. before we even took off from XXXX XXXX had canceled the flight from XXXX to XXXX XXXX due to staffing reasons. which per federal regulations means i am due a full refund plus compensation. XXXX flew to XXXX and then back to XXXX the same day as they said they could not get to XXXX XXXX until XXXX at the earliest but that i would miss my flight home if i went that route. since they could not find me a hotel room in XXXX i went home. I spoke with a XXXX XXXX in XXXX customer support she promissed me a full refund and gave me a {$300.00} flight credits for my agravation. when i pressed her on th fact that i had non refundable rooms rented in XXXX she issued another {$200.00} credit and promised me a full and complete refund on my credit card charges for this flight and said it would take XXXX weeks for the credit to post back to my credit card. 

XXXX is now denying me the credit saying that they flew me part way and are entitled to this money and Citi Bank is agreeing with them and refusing to issue the refund. I have attached the emails from XXXX promising me a full refund as well as there XXXX reason for not giving me back my money
Consumer complaint received 2023-03-17
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: ALLIANT CREDIT UNION (GA)

On XX/XX/2023 I made my normal minimum payment of {$450.00} this payment was made before 30 days of being late. I happen to call 6 days later they told me my payment was 36 days late and I said I made the payment on XX/XX/2023... They proceeded to tell me this month your min payment was {$450.00} so a {$1.00} is 36 days late. No one gave me a courtesy call and they are accessible to my savings account which states in writing they are okay to deduct any payments needed to fulfill any credit card or loan payments.. Which happened the day that I made the call they easily deducted the {$1.00} that was missed. Not to mention I have never been 30 days past due.
Consumer complaint received 2018-07-09
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 (NY)

I opened an XXXX XXXX  XXXX XXXX card in XX/XX/2017. When signing up for the card, I put in my XXXX  account number. I am supposed to get a free night certificate on my one year anniversary. 

Somehow, on XX/XX/XXXX, American Express changed the XXXX account number on my file to that of my brothers. This itself is another privacy issue. I called them 3 times about changing this back, but the person on the phone could not do it. 

Anyway, one year has passed, and now when I check on the status of my free night certificate, they tell me that it has been issued already. To the wrong account. They tell me to talk to XXXX. I talk to XXXX and they said to talk to Amex. 

Amex tells me that they have no idea how the system changed my XXXX account number to my brother. In my earlier monthly statements, the correct XXXX account number is there. Somehow, that changed in XX/XX/XXXX. 

After talking to the chat help, they finally changed the number to my correct one. However, the free night certificate has already been sent to the wrong account. 

Amex can not cancel the cert and reissue another one. They also said they can not compensate me the points equivalence ( XXXX XXXX   points ). They have wasted about 10 hours of my time on this issue which started with a data issue and privacy breach.
Consumer complaint received 2022-07-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-15
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. (GA)

There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Convergent outsourcing XXXX XXXX XXXX XXXX XXXX, Wa XXXX Collection amount {$620.00} XX/XX/2021 This account was never opened by me and I have never lived in the state of Washington
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reviewed my consumer report and find that XXXX funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.
Consumer complaint received 2023-01-13
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. (MN)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report.
Consumer complaint received 2022-03-28
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. (TX)

XX/XX/21 - Mailed Multiple request to remove invalid inquires 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX none were removed