davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
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)

I ordered what was supposed to be a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX zoom lens on XX/XX/19 with information on XXXX XXXX XXXX 's website. The lens got to me on XX/XX/19. I tested it for three days, and found that more than 90 percent of the photos were overexposed. I had the lens inspected by a local photography store and was told that the lens is used, broken, and has a counterfeit lens cap. I sent XXXX XXXX an email and a voice mail about these facts. I called them on XX/XX/19 and they told me they had already had a replacement lens ready to ship. Nothing happened. I called them within a week and they said there was a shipping label for a new lens. Next I received an email from them asking me to send the lens back at my own expense, and directing me to ship it uninsured with no requirement to have someone sign for it. 

I called XXXX XXXX on XX/XX/19 voicing my concerns about shipping the lens uninsured.XXXX XXXX told me not to worry. I started a dispute process with Citi Bank. my credit card company in this case. 

I also sent the lens to a XXXX repair facility, and they sent me a repair estimate for {$540.00}. 

Citi Bank ordered me to return the lens to XXXX XXXX. I did this. Citi Bank declared XXXX XXXX 's case was valid. 
Citi Bank also ordered me to then send them proof of delivery and proof of purchase. I did all this, and they have told me they are considering the case. Nothing has happened since then that I can tell, and I have called Citi Bank a few times since I returned the {$2000.00} lens and extended warranty back to XXXX. XXXX. 

XXXX XXXX called me on XX/XX/XXXX, and XX/XX/XXXX. They were rude and insisted the lens was new. On the XXXX they told me they had sent the lens to XXXX for repair, since it is new and covered under warranty by XXXX. 

XXXX contacted me and told me it would take {$700.00} to repair. XXXX also sent me in writing, a statement saying that since the lens was sold to me by XXXX XXXX XXXX, and that since they are not an authorized XXXX dealer, there is no warranty on the lens. I am waiting to get the lens back from XXXX so I can ship it back to XXXX XXXX XXXX. 

I blame XXXX XXXX XXXX for selling me a used lens that does not work. I blame Citi Bank for supporting them.
Consumer complaint received 2022-10-26
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. (PA)

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-10
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. (FL)

I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, XXXX  and transition are continuing to report fraudulent information on my credit file.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (OH)

I'm experiencing some major difficulties in obtaining loan information. I'm in need of a Master Promissory Note. The U.S Department of Education explained that my original loan provider, has the needed information. I have contacted XXXX XXXX a number of times and haven't heard a response. In order to pay this loan off I have to verify that all the information, that I have gathered, is in accordance with the Master Promissory Note. I had contacted XXXX XXXX a number of times in the past and requested the Master Promissory Note but they sent me disbursement statements. The information that I have didn't correspond with the disbursement statements.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan. 
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also. 
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list. 
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from XXXX  XXXX XXXX for the amount of {$1200.00} and IC Systems Inc {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I had a Citi Diamond Preferred credit card that was part of a payment program. Before the balance was paid off, we were able to use other funds to pay off the balance and terminate the payment program. Citi Bank was paid with a check from a California licensed escrow company. The check they received was in excess of my current balance. They received this check on XX/XX/2020. When I called them on XX/XX/2020 they confirmed my credit balance of {$72.00}. When I requested they send me a refund check they responded that I had to wait two weeks. They were paid by an escrow check so there is no reason to wait to see if the check was good. It was not my personal check or a cashier 's check. While this may be perfectly legal, I feel it's UNETHICAL for them to hold onto my funds for two weeks for no reason. I spoke to a supervisor when I called and he took down all the information and told me to call back in two days. When I called back I got the same response that I had to wait two weeks for payment. I told them if they were not going to request my refund check that day I was going to file a complaint with the CFPB. So this is my formal complaint.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I currently have a late payment reporting from XXXX on XXXXXXXX XXXX,2022 i called XXXX XXXX about this issue which we was wavies on On XXXXXXXX XXXX,2022 however the late payment continues to appear on my credit report i tries to resolve this matter with XXXX directly but the issue still appears.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been having some financial problems lately, so my payments have been late ; but I have been making them. My payment was due on XX/XX/19 in the amount of {$160.00}. I made full payment on XX/XX/19. On XX/XX/19, a new statement generated. The company applied the payment of {$160.00} to the new balance instead of the {$160.00} that was due on XXXX. This caused me to get charged a late fee. I chatted online with a customer support rep and they basically said that is how things are done and there is no way to have it applied towards the XXXX balance. This is unethical and I would think illegal, since it tips the balance in their favor, kicks someone who who is financially down ; but trying. I was supposed to get a copy of the chat transcript, but that never came.
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

XXXX account was transferred to MOHELA. I paid off a large portion of my loans to XXXX before this transfer. In hope for potential forgiveness, I then requested all payments made during the freeze to be refunded, however MOHELA has only refunded me for the amounts that I paid to them, and they have not refunded me for payments made to XXXX. They have refunded me {$4500.00}.
Consumer complaint received 2023-03-20
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: MOHELA (MI)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15-U.S.C-1681 section 602 A states I have the right to privacy. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I fell behind on my mortgage due to losing by business, Carrington never reached out to me to offer any assistance. I was never assigned a point of contact and was never told I could submit documents to be reviewed for assistance until I researched it myself. I feel as though I was never provided a fair chance or options to save my home and now I feel pressured to try everything I can in the short amount of time I have before the sale date to get something done. If someone from Carrington had informed me of my options I would not be in the situation.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611. 

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MA)

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b - Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.
Consumer complaint received 2019-04-15
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. (GA)

This is my second writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, note that there might some accounts that a not showing in my credit yet. 
I'm currently receiving collection mail from different place, i will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding is reporting on a debt I do not owe. This debt is from XXXX XXXX and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have a credit card with JCPennys - Synchrony Bank. As of XX/XX/2019, I owed a Balance of {$170.00} at which time I paid off in full. Upon checking my credit report, it shows that my credit score actually went down so I disputed this because Synchrony Bank shows it as the account being closed by them as delinquent and it was not. I paid them monthly and on time. I tried reaching out to them and even wrote them a letter which I have in my possetion. They sent a letter stating they decided to " Close my Account due to delinquency. This is not correct and I want to dispute this. I have been working hard to correct and fix my credit report ever since I lost everything to " Harvey '' and lost everything including my job. Please help me get them to take this off. I can see if I didn't pay them and they " Closed my Account '' but I paid on time and just wanted to pay off my account in full thinking it would look better on my credit report. They refuse to take it off. My case number is XXXX
Consumer complaint received 2023-03-21
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. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I sent an investigation request letter to Experian, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 



I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Experian happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ). Under 15 U.S.C. Sec. 1681n ( a ) i have the right to charge for any violations and failure to comply with the imposed rules of 15 USC.

I will attach a copy of the sent investigation request letter. 
I will attach a copy of the invoice for the violations of each account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.