davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
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. (CA)

Just want to clear something up you say in your letter During a conversation with us while you were in the store, you passed our Fraud verification process and verified the charges were legitimate. Can you please provide the physical evidence I was in the store. You are accusing me of something which Im fine with Please prove I was in the store at the time. Like I said before you WILL respond whether you like it or not and I will not stop writing letters until I get every single detail. please provide proof/evidence I was in the store at the time.
Consumer complaint received 2019-01-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I made all my truck payment on time since XXXX of 2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted XXXX XXXX and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXX XXXX XXXX took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.
Consumer complaint received 2019-01-25
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: Southwest Credit Systems, L.P. (CA)

Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is Southwest Credit System representing XXXX XXXX of XXXX  CA. 

I became aware of this collection on my credit report 1 month aftrer it was initiated. I was surprised and appauled that XXXX had turned this account over to collection. 

In XXXX, 2017 I received a notice reflecting {$80.00} due from a tow on an account I shared with my daughter. I called XXXX and I can't remember the exact details but we reviewed the account and agreed that I didn't owed {$80.00} but discovered that XXXX in fact owed me {$19.00}. I don't remember all of the details. The XXXX agent told me that I would be receiving the refund check in the mail. 

Needless to say, when I discovered in XXXX, 2017 that the debt had been turned over for collections I was very upset and perplexed. 

I called Southwest Credit Systems and was told that they could only collect the debt but couldn't help me with my story about not owing and the conversation/refund I spoke with the XXXX agent about. 

I then tried calling XXXX who told me that they could not access the records nor could they find any conversations on my account. I believe that by this time my daughter had her own account so the account numbers had changed. 

At this point, I just wanted to pay the balance so it would no longer reflect as an unpaid collection on my credit report. I explained to the Southwest Credit representative that I was paying it so my credit would not be destroyed but that I didn't owe it. 

Sometime after I paid the {$80.00} to Southwest Credit, I discovered that I didn't even cash the refund check remitted by XXXX because I was holding on to it thinking it would help resolve the matter. I filed the check and the notice ( originally received that initiated the phone call resulting in a refund ) thinking I would receive additional correspondence from XXXX. I never did. I subsequently discovered the negative collection on my credit report. 

After I found the notice and the check, I called Southwest Credit back hoping they would review the documents and refund my monies and remove the negative collection from my credit report. 

However, when I called Southwest Credit I was again told there was nothing they could do. 

Now, I am refinancing and this negative collection is driving down my credit score. It's very unfair that consumers get caught in the loop between collection agencies and vendor errors.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I have been going back and forth with XXXX, XXXX  and Equifax on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Consumer complaint received 2020-02-05
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. (FL)

Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX
Consumer complaint received 2019-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Enterprise Systems, Inc. (FL)

I received a collection letter stating I owed {$3700.00} for a student loan, school name was not on the letter and Im sure I didnt attend any school in 2001 ... this collection is not mine and my sis is being used ... what can I do to prevent my SS # and name from being used?
Consumer complaint received 2019-01-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a request to XXXX  on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on
Consumer complaint received 2019-02-01
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. (FL)

This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX,
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I've made all of my payments in full with the exception of 2 times. The wrong bank account was linked to my Amazon synchrony credit card, I tried to delete the bank account via the Amazon payment app but it would not allow me to do so since a payment was pending. My account was closed after the 2nd " dishonorable payment '' .Throughout my time with this credit card fraudulent activity was reported by me as well as over charging my account followed by returning the funds that were charged twice. I proceeded to speak with a customer service agent at Amazon synchrony and she was terribly rude and impatient. As a customer who makes all of their payments I was offended to be thrown into a category of irresponsibility by an account manager. Her name was XXXX, badge # XXXX. After an 8-10 minute wait I was transferred to another gentleman who was extremely professional and helpful. I did ask to make s formal complaint, and he said he could take my complaint. I was not very comfortable with that since he is an account manager and not in a human resources position. As a customer i felt cornered and helpless.Unfortunately I didn't feel that my case was going to have a thorough and fair review so I am reaching out for help. I take great pride in paying my debts and my credit history should reflect that.
Consumer complaint received 2019-01-25
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (WA)

I made all my truck payment on time since XX/XX/2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted credit acceptance and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXXcredit acceptance took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, equifax, XXXX  and XXXX  to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX
Consumer complaint received 2018-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Our business are XXXX/XXXX having customers in XXXX and USA, we have received proof of transfer for {$2500.00} USD from one of our customers in XXXX on XX/XX/2018, transfer was on hold by OFAC ( Office of Foreign Assets Control ), I already file a license required by OFAC on XX/XX/2018, but at this time my money still on hold, I already talked to WELLS FARGO and XXXX ( XXXX Bank ) several times because OFAC say that the banks are responsible to work on the case. 

I don't know why OFAC has my money on hold if I already send to them proof of all invoices and all documents they request to me, we work hard to obtain this money. 

I hope you can help me with this matter. 


Best Regards,
Consumer complaint received 2019-01-25
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: WELLS FARGO & COMPANY (CA)

Since XX/XX/2016 the Bank charge me for almost eleven months : - XXXX XXXX   {$39.00} - XXXX  {$97.00} As a retired woman I programed my electronic monthly payments in {$70.00}. 
One day I received a letter that I was behind and my new payment increased to {$240.00}. 
For more than 4 months I talked to them back and forth, finally they response telling me that they can reimbursement only the last 3 months and that it is. So I started talking with the companies involved and they were agree to talk to the bank to reimbursement but the bank making adjustment as XXXX or XXXX, XXXX and XXXX I can not to follow them. 
The Bank did not want to decrease my debt in order to continue with my regular payment of {$70.00}. 
They insist to increase my monthly payment to XXXX so I closed my credit card and stop to make a payment and they continue with interest charge for purchases for {$51.00} monthly.
Consumer complaint received 2019-01-25
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 (NJ)

I had an American Express Business Platinum card. I requested to close the account on XX/XX/XXXX. The customer service did not inform me that I would be losing my points. Nobody gave me advice on waiting until the anniversary of my card which is XX/XX/XXXX. 

After XXXX withdraw my points back without letting me know in advance, I requested to re-open my card which was completed on XX/XX/XXXX. 

Given my card is active I would like to get my points back. I already paid a full year annual membership fee. I already made more than 13k spent on this card. In their response to my complaint from CFPB they acknowledge that their practices are subpar where they don't acknowledge what happens when you close the account. They don't read a fine print instead they say the customer should know it when they open the account which is 11 months ago in my case. Same old trick of putting things in to fine print and expecting people to remember. 

How Amex is treating a loyal customer since XXXX is beyond explanation. I like the benefits of the cards and continue to use it. But even though I have been paying my balances full every month and they chose to kick me out from the platform. 

Today I got another surprise. When I logged on I see all my cards are cancelled, personal and business, total of 4 accounts. Again I called customer service to complain about the cancellation. The person decided to cancel all my cards without reading me any fine-print, without asking me if I approve or not. She went ahead and cancelled all of them because she got XXXX at me. 

It seems very clear to me that Amex is putting me into a black list and trying to give me a lesson. If Amex is treating a customer since XXXX who has never had a late payment, imagine how it treats other. 

Thanks, XXXX
Consumer complaint received 2019-01-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent a request to Experian on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXXs ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (MA)

Several months ago, I filed 2-3 complaints against the American Express Company dealing the following : On about XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX had verbally acknowledged receipt/return of these funds and had been agreeing to credit any interest that may be accruing for the amount of the funds returned. 

On or about XXXX of this year, American Express Company finally resolved this matter by crediting me for the returned funds along with any additional finance charges that may have been charged. 

On or about XX/XX/XXXX, I was again charged for the amount of {$10000.00}! It was listed as a " Reversal of Balance Transfer ''. I have been trying to resolve this again with AMEX employees, XXXX and XXXX without success. I am also now being charged interest for the new larger balance. Finally, I am being adversely impacted by this mistaken/fraudulent charge as I in the process of refinancing some properties. My outstanding short-term debt is being reported as {$10000.00} then it actually is. Can someone please, please get this resolved and stop singling me out for this mistreatment?!!
Consumer complaint received 2022-02-13
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. (LA)

Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.
Consumer complaint received 2021-09-02
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court