davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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: TIDEWATER FINANCE COMPANY, INC. (TN)

I submitted a request for the bureaus to check into the validity of an account reporting on my credit report. Today is XX/XX/XXXX Ive sent out this dispute XX/XX/XXXX received word from bureaus that they would check into other disputes but they skipped over this particular dispute. Its been almost a month and a half and I still havent heard a word from either the bureaus updating me on status of whether the creditor verified the debt or changed the status of this reporting account. This is ridiculous seems to often creditors and bureaus look over disputes but are so quick to penalize you for something done wrong. There in violation here and I would like for people to learn from this. Dont let these companies push over you and throw your concerns to the waste side.
Consumer complaint received 2022-04-14
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-08-30
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. (NJ)

Please Remove all Fraudulent Accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach Identity Theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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 (TX)

On 3 different occasions during the past 8 months, I have mailed, faxed, and delivered in person documents showing me as Power Of Attorney for my XXXX XXXX XXXX mother so that I can have access to this credit card account. This account had fraudulent charges made to it late XXXX and they were promptly reported. Because I chose to wait until I got a full account of the transactions on this credit card before paying, Wells Fargo has sent negative indicators to Credit Bureaus which has resulted in her only other credit card through another issuer to be cancelled. This is the only way we have to taking care of her and providing her daily essentials. 

They have not been cooperative or communicative as far as confirming they have the documents or asking any questions they may have to resolve the issue. The bank segment of Wells Fargo had no issue adding me as POA. In fact they faxed all the documents over to the credit card division and received confirmation that they received back in XX/XX/XXXX. My mother has had a Wells Fargo checking account for over 50 years.
Consumer complaint received 2022-08-30
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has never tried to correct my mortgage situation, I got statements that are incorrect. 
The statements shows incorrect monthly payments they show I paid lower payments but my payments are much higher {$790.00} a month. 
I'm not behaving on my mortgage, I also had problems trying to refinance my mortgage but I keep getting turned down. 
I have Equity that I need to use for home improvement and a vehicle, I haven't had a vehicle for over 5 years. 
Wells Fargo can not be trusted what so ever.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX , LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (AL)

Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your time!
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Multiple Problems Started the day I applied : 1. Takes 10-14 business days to get card. Card was lost in mail, took a lot of convincing for Synchrony Bank ( Paypal XXXX mastercard ) to expedite the replacement card. 
2. They do not reset credit limit even after you pay off the full balance. Takes up to 3 weeks for limit to reset. 
XXXX. They take longer than other credit cards ( XXXX  XXXX, XXXX, XXXX ) to post payments. 
4. Was using card on many utility bills. I paid balance off and extra as soon as purchases were made. I have excellent credit and have never had a balance remain. Synchrony bank still cancelled my account, shut down the card, and took away all the cashback I had received, thus rendering the purpose of the card useless. They sent my file for review and will decide what to do. 
5. Synchrony bank has done a poor job with this particular cashback card. Customer service is of no help as they do not control company policies. 
6. I have overpaid everytime, Synchrony bank believes I wont pay my bills even though they will be returning money to me if they permanently close the account. I have never missed a payment and actually had a positive balance on my last statement.
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

EDFINANCIAL is XXXX After asking for a refund on the payments we made during the pandemic pause we are being told it will be ATLEAST 5 months till we receive our refund back. 5 months!!!! 

When we call back to confirm refunds have started to process they are not finding any records of us calling and requesting the refund that we sat on hold for for 3 hours to request. 

Edfinancial is LYING to borrowers
Consumer complaint received 2019-11-19
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. (NC)

Charges were made on my mid XXXX at XXXX XXXX that I did not authorize of XXXX and XXXX. Ive been trying to get this resolved and no resolution had been found. I was told by there customer service that I would not have to make payments on these charges meanwhile the investigation was still going so I listened and didnt make any payments. I would later find out that my credit score went down due these charges for non-payment. I was told by there fraud department that my dispute was denied because not enough information. They stated that I received mail and emails regarding this decision but I never received emails or mail and I even called and tried getting an update but never really got an answer. Ive been trying to get this solved but they keep sending me to different departments. Now my credit score went down hugely and its upsetting.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am disputing the billing error on my account in the amount of {$6700.00}. The amount is inaccurate because CapitalOne allowed continuous charge authorizations to my account without my permission. My initial credit limit was {$2000.00}. As you can see on the attached credit card statements, there are charges that were authorized on my account that far exceeded that limit. These charges should have been rejected as there clearly wasn't enough available credit for them to have been approved. " Purchase Adjustments '' and " Transaction Rebills '' as described on the attached statements, have clearly exceeded the {$2000.00} limit by approximately {$4700.00}.
Consumer complaint received 2022-08-30
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. (NJ)

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.
Consumer complaint received 2022-08-30
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. (TX)

I have XXXX hard inquires from XXXX XXXX and I did not apply for any credit with XXXX XXXX and did not authorize them to pull my credit file.
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

I travel a great deal and am frequently locked out of my account because JP Morgan 's online service ( via Chase ) does not " recognize '' my computer. By this, it appears it means that if I sign in through different IP addresses, it will not let me into my accounts. This is a really problem. I do not have an email address or cell phone number that I want it to have or use, in part because it abuses each with unwanted ads and selling this information for profit to other marketers. Neither of these is particularly secure either, especially if written text is generated.
Yet when I call in a toll free number that comes up on the screen after I am locked out of my online accounts, I get automated machines, long wait periods and inaccurate information in so-called security questions that I am suppose to confirm if I want to get back into my accounts online. This process alone, of being forced to confirm inaccurate information that it is clear the automatons at the other end of the phone line have, distorts credit reporting, banking security, and access to my accounts, while degrading my credit score, and increasing the chances of identity theft.
The antiquated technology of online banking inconveniences anyone who travels frequently, increases the chance of identity theft ( by promulgating inaccurate information that I have to claim is true if I want into my accounts ) and wastes enormous amounts of my time, while routinely denying me access to my own money and accounts at JP Morgan. There is no one to call to take care of such idiotic and systemic failures other than mindless machines and customer service people who themselves are programmed to enforce inaccurate information as a condition of correcting the abuse of the company that routinely denies me ready access to my money and accounts.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXXXXXX {$190.00} Collection opened XX/XX/2021 I explained to the company that I have been a victim of identity theft and it has been an on going issue with someone using my identity to apply for loans, credit cards, etc., the company was rude, I provided the company with proof of identity theft and every time I call to get the matter resolved and request debt validation, the representatives hang up in my face.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

My payroll is directly deposited into my checking account biweekly on Friday morning just after XXXX midnight. I pay bills as normal both Friday and Saturday with my debt card with no problems. Now, I thought debit purchases come directly out of the account. Why is it that I have had insufficient funds for the past three pay periods because Arvest puts the transaction? I have been charged four insufficient charges today and it should only show one. 

Thanks XXXX XXXX
Consumer complaint received 2022-08-30
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: CITIBANK, N.A. (TN)

my late wife XXXX XXXX had a double cash awards card in her name and my name XXXX XXXX as her spouse. she passed on XX/XX/2022 and had cash awards due her in the amount of {$580.00}. I have been trying unsuccessfully since approximately XX/XX/2022 to collect the awards and citi double cash awards card refuses to pay. I was told the cash was forfeited when the account was closed by a letter I received on XXXX XXXX. 
I have made numerous calls and have been lied to by all of the representatives I conversed with. the last four representatives told me I would receive a letter stating I would receive a check and then the check would be mailed shortly and of course I have never received a letter.the last one I spoke with was on XX/XX/2022. two of the representatives told me the check was in the mail. 
I complied with all their requirements they requested by mailing a copy of the will and a death certificate. they stated they did not receive items. I then faxed a copy of the will and the death certificate and one representative stated they had them. I was told when I closed the account I would be receiving a check that was due me.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TN)

I was seen in the hallway of the XXXX  at XXXX XXXX XXXX on XX/XX/2020. I provided my medical insurance cards. I had medical insurance through the State of Arizona, where I resided at the time. I was stuck in PA due to XXXX. When I saw the collection on my credit report, I called the hospital billing to question, as I never received a bill. Through months of my following up, I learned that the hospital billing department mistakingly billed the State of PA, and not my insurance. According to the Insurance company, they did pay the doctor bill, as it was properly billed, however, the hospital facility bill was incorrect. Since this wasn't brought to my attention until past the 6 month deadline for billing, the Insurance company will not pay this bill. 

I also provided the collection agency with a copy of letter from my Insurance Company conforming that I did have coverage at the time of service ( per their request ). The collection agency then told me, upon follow up, that they wanted a representative to call them directly. My insurance company refused, as this is a violation of HIPPA. 

I have made several attempts to have this removed from my credit report, and the collection agency continues to " move the bar '', with regard to their requests of proof. They have been belligerent when I contact them. The collection agency is Medical Data Systems, XXXX.
Consumer complaint received 2022-08-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, TransUnion, XXXX.
Consumer complaint received 2022-08-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, XXXX, Equifax.