davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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: CITIBANK, N.A. (TX)

I have disputed a late payment with Citibank on a credit card, and neither the credit bureaus nor Citibank took my complaint seriously. Citibank reports XXXX late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.
Consumer complaint received 2018-05-12
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: AMERICAN EXPRESS COMPANY (CA)

I had an American express Platinum card, it was opened on XX/XX/XXXX and during the course of using this card i was not informed that i have to pay all my bills when its due. So during the due date i called the customer service representative and told them i had no idea the full balance was due immediately. The representative i talked to said that if am able to pay a certain amount that it will not be considered a late payment. I paid more than the amount agreed and on the agreed date i paid the remaining balance. So weeks later i found out that they still reported my account as late even due we came to an agreement that if i finish paying my balance on the date agreed it will not be considered late payment. I contacted American Express on the issue, told them of the arrangement i had with the representative but they kept sending me to different departments every time.I didn't know what else to do so i closed the account on XX/XX/XXXX but the late payment is still there and it is hurting my credit score. I hope you can help me resolve this dispute. Thanks.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/XXXX I noticed on XXXX XXXX that Amex had reported my closed account as being late. That same day I contacted Amex and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that Amex would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted Amex again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.
Consumer complaint received 2020-02-03
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)

I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review. 
Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, XXXX  and Equifax to correct and remove all false reports
Consumer complaint received 2020-02-03
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. (TX)

I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review. 
Thank you for helping me get this cleared up and the credit reporting agencie : Transunion, XXXX  and XXXX  to correct and remove all false reports
Consumer complaint received 2022-06-18
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. (FL)

CREDIT REPORTING AGENCY THAT THIS COMPLAINT IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE AMERICAN CREDIT BUREAU EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

ACCOUNTS CONTRACT CALLERS COLLECTIONS XXXX XXXX XXXX I'VE ATTACHED EQUIFAX RESPONSE ALONG WITH MY MOST RECENT COMPLAINT.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Transunion is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

My checking account has been blocked on Monday ( XXXX ). No reason provided. In the email, I had a phone number to contact. I tried to contact them by this number more than 6 times. In sum, I spent more than 15 hours on this line including XXXX time when I was on the line almost 6 hours. Also, I tried to contact them by chat and the main phone line. The representatives said that they can't help. 

I still don't have access to my account and money on this account. I used their checking account as the main one so it has my salary.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CT)

My Name is XXXX XXXX, TD bank claim theres unusual activities on my account which being sent through XXXX  so they want to close my account But all those XXXX  transactions are from my dad sending me allowance every now and then. They keep telling me to call the XXXX  department but nobody answers the phone and I want this probably to be fixed before I have money in there and I cant access it.
Consumer complaint received 2020-02-03
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)

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLSFARGODEALERSVCS {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2020, I received a letter from a collection agency regarding a debt in the amount of {$250.00} alleged by XXXX XXXX XXXX XXXX XXXX XXXX about uniform/equipment. In fact, I NEVER received any uniform or equipment from XXXX because I did not work with them except that I attended an orientation/training and they did not issue me any uniform or equipment. Besides, they never contacted me neither by phone or email or regular mail about this alleged charge or debt. It is an unethical business practice that they refer a false and non-existing debt to a collection agency ; therefore, they need to rectify the matter and remove the alleged debt immediately because it might affect my credit score.
Consumer complaint received 2022-07-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number 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 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
Consumer complaint received 2022-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

This is a two-part complaint, I recently filed an Identity Theft Report ( report # XXXX, see attachment Exhibit 1 ) and a complaint against Experian, with the Consumer Finance Protection Bureau ( complaint ID XXXX ). Experian removed the fraudulent information that I reported, however they failed to remove an additional inquiry that was originally listed in the fraud report and complaint ( XXXX XXXX ), this inquiry was listed along with the other inquiries that Experian removed XXXX this inquiry was included in the fraud report and Experian failed to do their job in removing it with the other inquiries they removed. 

In addition. Experian updated my personal information section that was included in my previous complaint and did remove and correct addresses, however, they failed to remove ( XXXX XXXX XXXX XXXX XXXX ), I never lived at this address and is currently causing confusion on my credit report, this address should not appear on my report. 

Last issue, I spoke with XXXX XXXX XXXX on XX/XX/XXXX regarding a hard inquiry appearing on my credit report, the inquiry is dated XX/XX/XXXX. XXXX searched their records and could not find any information pertaining to this inquiry. 

XXXX instructed me to reach out to Experian to dispute the inquiry and they gave me a specific number to call, which was XXXX, this is the number they instructed me to call to contact a Rep at Experian. I called the rep on XX/XX/XXXX and she refused to do her job and gave me a hard time, which caused my stress level to increase. That being said, the above three errors should not appear on my report.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I bank with BOA I currently just got my Federal and state tax refund in this account which I been waiting for to catch up on bills due to me not working! I go into bank to make withdrawal I have a XXXX hold! Keep calling them no one tells me anything. Im about to be XXXX  with XXXX  kids because of this situation! They have all my money on hold
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (WA)

In XXXX Ally suspended my accounts and canceled all my transfers. Three transfers were left in limbo and weren't returned to the original account or brought into Ally. These transfer were {$300.00} from XXXX, {$7000.00} from XXXX, and {$4000.00} from XXXX XXXX. I got my Ally account unsuspended but was told they were unable to do anything about these transfers and would have to file a dispute to get them back. XXXX said they were unable to file a dispute on their end and I would have to have Ally do it. Ally said they were unable to file a dispute. XXXX actually returned my funds. XXXX XXXX  denied the dispute because I had authorized the transaction.
Consumer complaint received 2021-03-05
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. (FL)

We are trying to refinance our house. We resolved a matter with US Department of Education and our loans are current. We pay through XXXX XXXX, which is listed on our credit reports as XXXX 

EQUIFAX, the company we are complaining about, continues to list our loans with Department of Education as Derogatory : PAST DUE, which they are not. The accounts listed are XXXX ( {$64000.00} ) ; XXXX ( {$61000.00} ) ; XXXX ( {$39000.00} ). These accounts were transferred to XXXX in XXXX, 2020, and are current. 

We contacted Department of Education who has confirmed that all accounts are current and are being serviced by XXXX We contacted a prior servicer, who stated that all accounts were transferred to Dept. of Education for transfer to XXXX  We contacted EQUIFAX, who has not returned our phone calls. We have no recourse but to file this complaint against EQUIFAX. 

All other Credit Bureaus, XXXX  and XXXX, show only one servicer, XXXX and show our loans as current. 

EQUIFAX has negligently reported that Department of Education is reporting our loans as Delinquent. Department of Education tells us our loans are current and are being serviced through XXXX. We are making automatic payments on our loans
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (OR)

I have been attempting to close a refinance on XXXX XXXX XXXX XXXX XXXX OR XXXX and there are XXXX erroneous liens showing on the title work from Fay servicing LLC/XXXX  ( past servicer was XXXX  ). They agree they are erroneous liens yet have not cleared them off of title work. It has been 9 weeks. It seems they do not know how. I call daily, and nothing happens. I have active and current loans with XXXX that are attatched to other properties yet not attatched to above property I need cleared. Please help. Interest rates have already risen since their delays. This is costing me huge money. Please help us!!!! 
XXXX XXXX XXXX or XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (NY)

I requested a loan for {$15000.00}. I was charged fees to obtain the loan which changed the principal amount to {$18000.00}. The loan terms are from the website login as of today XX/XX/XXXX : Loan Amount {$18000.00} Outstanding Principal {$16000.00} Unpaid Accrued Interest {$260.00} Loan XXXX Interest Rate25.58 % Origination DateXXXX XXXX, XXXX Repayment Summary On XXXX XXXX, XXXX, you got a {$18000.00} loan, see how far you've come! 
{$1600.00} paid toward principal Loading $ XXXXinfo As of today, on your Upstart loan you owe $ XXXXinfo I have made XXXX payments of {$540.00} but only {$1600.00} has been applied to the principal. It is illegal to charge origination fees etc and disguise it as principal amount when my bank was only credited with {$16000.00}. The loan terms are predatory and they refused a refinance of the loan. I am even paying interest on their fees for a 60 month term. 

Thank you
Consumer complaint received 2022-03-04
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)

I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.
Consumer complaint received 2020-07-29
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: Allied Account Services, Inc. (NY)

I have a loan with XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-02-03
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX