davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I applied for a credit card at XXXX XXXX to get a discount. After 2 months of not receiving a bill, I understood that my payment was late ; and provided the telephone rep who called me with a debit card to make payment by phone. I also told her that I had never received a paper statement and asked her to send me one for my records. She gave me a confirmation number for the transaction. 
In early XX/XX/XXXX, I had started receiving statements by mail, but they reflected an outstanding balance still, late fees and interest charges. I called XXXX XXXX XXXX XXXX and asked for a manager, I provided him the confirmation number of my payment and opened a complaint # XXXX, which started an inquiry on their end as to whether they were paid. By XX/XX/XXXX, I was still getting an invoice, collections notices and more penalty fees. I called again and asked for a manager. I was told the investigation had not been completed, but that I would be notified by mail of the results. 
By XX/XX/XXXX, I still had not been told about the investigation, but I was still receiving invoices for more and more money. I called and spoke to another manager, XXXX. She told me that she would reopen complaint # XXXX. She also told me that they would send 1 ) written confirmation that my balance due was only the original purchase of {$200.00} ( and not the {$410.00} that I was most recently billed ). She also confirmed that they would confirm the financial institution that they did not receive payment from. By this time -- 7 months after I paid this bill, I did not recall the debit card I used by phone. 
It is XX/XX/XXXX, and while I continue to receive invoices for more money, I still have not received written confirmation of the real balance due or results of the inquiry associated with complaint # XXXX. Put plainly, I have no way to verify that XXXX XXXX XXXX XXXX hasn't already been paid! I called and waited 5 minutes to learn that XXXX, a " manager '' in the the collections department -- which I am routed to when I enter an account number, something I'm required to do before advancing in their automated system -- couldn't look up the complaint # I had. I waited another 10 minutes to speak to a customer service " manager, ''  XXXX. I confirmed with XXXX that absolutely NO ACTION had been taken to respond to my XX/XX/XXXX call even though I was being billed for more than 200 % of what I actually owed. She likewise couldn't access the complaint and kept me on hold another 10 minutes ( 25 mins cumulative for the day ) to speak to an escalation " manager, '' XXXX. I informed XXXX that after 4 calls, 7 months and over 2 hours on the phone with " managers '' at XXXX XXXX XXXX XXXX and XXXX XXXX customer service today was my final attempt to resolve the matter. ( Every interaction has been recorded, which I confirmed this evening. ) After 54 minutes of holding, the call abruptly disconnected and no one called me back to apologize or respond to my original request.
Consumer complaint received 2019-07-15
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: RentDebt Automated Collections, LLC (GA)

The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and delete the following late payments from my report XXXX, XXXX and TransUnion Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 2019-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (WI)

I had a citibank checking and savings account number compromised recently and {$7000.00} was stolen from the accounts. The money was recovered in a few weeks however, I was advised to reopen the accounts with a new account numbers - I did this. 

Once I received the new account number, I called to close the old accounts. This was a XX/XX/19. A few weeks later I received a statement showing the accounts were still open, I then again contacted citibank via chat, asked why the account was still open. I did not get an answer but they offered to close the accounts. Today, I found out that account is still open and accruing fees.
Consumer complaint received 2019-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX/XXXX reported a fraudulent account over a year ago provided all the paperwork to prove it was not me XXXX XXXX XXXX and XXXX are still reporting as a charge off bad that I have been fighting with them for over a year now all three credit reporting agencies Refuse to work with me even though I have contacted all three and filed a report although I can not remember the report number last year with the federal trade commission it is hurting my credit I have personally called XXXX XXXX XXXX and XXXX to get them to remove this off my credit report and they refuse to do it
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I had a XXXX bill that was fraudulently obtained in my name. I ultimately had the collection removed and deleted from my credit reports. The collection agency that removed the debt was XXXX collection agency after concluding that I did not open this account and it did not belong to me. 
Diversified Consultants has placed the collection back on my reports without notifying me and without giving me the opportunity to dispute the debt, XXXX informed me that they did NOT place a collection with Diversified Consultants and to dispute the collection. Had Diversified Consultants properly validated the debt according to the FDCRA they would have known the debt is a result of fraud.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Experian : reports that I have bad credit and public records and 'too many inquire. 
In addition they will not raise my credit score.

They continue to keep my credit score low even through I have made all payments on time for the past 5 years to 7 yeARS
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My complaint is about Experian and XXXX XXXX XXXX and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from XXXX on my credit report with Experian that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, Experian responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that Experian is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on Experian 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?
Consumer complaint received 2019-09-17
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. (SC)

I filled a dispute with Experian and the collection agency requesting the validity of a debt and full investigation XX/XX/2019 and XX/XX/2019. These are only two of many disputes over the years in regards to the incorrect information being reported in regardsto this account. Like all the former disputes, both disputed lead to the collection agency sending a bill with just an amount due and no charges explaining validity, and in return Experian leaves incorrect, non validated information on my credit report.I paid XXXX and transfered the account to another person years ago.
Consumer complaint received 2021-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One XXXX to dispute again, a late payment reported on my credit XX/XX/XXXX & XX/XX/XXXX. I had a XXXX Walmart account since XXXX. I was never late since I had automatic payment set up. I recall receiving calls from XXXX representatives back around XX/XX/XXXX & XX/XX/XXXX who would identify as Capital One & since I had never opened an account with Capital One I thought it was a scam. They never identify themselves as calling from Walmart Capital One. I did not receive a statement from Capitol One at all or else I would have opened it. Around XX/XX/XXXX The way I found out I had an opened account with Capital one was through an APP, XXXX XXXX. I called Capital One & was told my XXXX Walmart was sold around XX/XX/XXXX & opened a new one around XX/XX/XXXX. I was told I had a past due {$340.00} which I paid that same day. They switched my account but failed to transfer my automatic payment. It was their fault for not continuing my agreement to process my monthly payments automatically. I have had over 15 credit cards and never been late due I have autopay with all accounts. I submitted a direct investigation to Capital One on XX/XX/XXXX. I called on XX/XX/XXXX for status & a very condescending, rude supervisor named XXXX ( id # XXXX ) got very defensive when I asked for results of my investigation. XXXX claimed I was notified via USPS back in XX/XX/XXXX of the changes & that Capital One had a tracking number confirming I received the notification. XXXX refused to provide me with the tracking number saying it was 'proprietary information ' & could not be given to me. I requested to speak with someone else, she refused, said several times she 'was the highest level for the matter & there is no one higher than her ' I could speak to. She basically said if I did not like her information to write in a complaint, and after asking a few times for someone else she hung up on me. I want theUSPS tracking number provided to me & I want someone who is willing to help me contact me or remove the late payments reported in XXXX removed from my credit. My phone number is XXXX, email now is XXXX, mailing address is XXXX XXXX XXXX, XXXX CA XXXX
Consumer complaint received 2020-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I opened a checking advance account with HSBC on XX/XX/2020 and I was told I would get a {$220.00} welcome deposit for starting a new Advance checking account. The account ends in XXXX. I was told that in order to qualify I must set a direct deposit and deposit at least {$500.00} for 3 consecutive months and I would get {$220.00} deposited into my account 8 weeks after all qualifying activities. I called on XX/XX/2020 and spoke with XXXX  ref XXXX and he said by end of XXXX I should see the deposit. Then I called on XX/XX/2020 XXXX ref XXXX and he said by mid XXXX should see deposit into my account. It already has been 5 months since I opened account and I don't see the deposit I was promised. I have been told many promises but nothing so far. Please provide credit to my account as promised.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CT)

From XX/XX/XXXX - XX/XX/XXXX someone I dont know used my identity with my name and social security to open a new account with a XXXX resulting in my account going in collections owing {$550.00}. I never knew till recently I went on all my 3 credit reports to check my credit score and see XXXX on my report. I have never opened a XXXX bill in my life so I definitely knew this was identify theft.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I spoke to a representative of and applied for a home loan through XXXX XXXX when the bank went to run a credit check on me they said that there must be a freeze in place from at least one of the 3 main credit agencies, I never requested a freeze from any of them though so this should not be the case anyway. I checked with XXXX and XXXX  both of which were really simple and easy and I was able to verify that there was no freeze from either of them. When I checked with Equifax even after multiple attempts they claim they were unable to verify me through their website even though the other 2 agencies worked just fine with the same information ( ss number, addresses both current and former, name, DoB ) and I was prompted to call their number. I did this multiple times both on XX/XX/2021 and XX/XX/2021 and I each time had to go through an automated system to enter in the same information that I already gave them again only to be again told I was unable to be verified. I then each time got on the phone with an actual person who again asked for the same info only to again tell me that they could not find a file on me and that If I want this resolved I need to fax or mail them copies of my social security card, state id and a form with other personal info. This does not seem like to should be necessary nor does it seem secure and seems to be a very irresponsible way to get peoples personal information. I also do not see how this can help them verify me when all those documents would just have the same information I have already given them multiple times. Them holding up this process by claiming they can not verify me when none of the other agencies had issues is keeping me from buying a home and putting my life on hold. And the way they want me to send them my information ( that I've already given them ) is insecure and irresponsible. And this is all for a freeze that I never even requested in the first place.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (NJ)

I apply for a mortgage with Nations Lending Corporation on XX/XX/2019 for a XXXX family house for XXXX dollars and on XX/XX/2019 they turn down my loan that never went into underwriting. They stated that they found something on a XXXX search under my name and because of that they hold me XXXX for weeks without an answer even after i paid for an appraisal on the stated property, as i spoke to the owners of the company multiple times. I have proof the loan was approved to XXXX and all my other documents. they simple descriminated againt me for no reason. There practices are not consumer friendly and then they turn down my loan because of credit and guidelines when all guidlines had been meet but they never got the loan to a register underwriter. this company picks and chooses who they want to do loans for. That bad practice to been able to do business.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (MI)

I purchased a XXXX prepaid card 7 days ago and Ive been trying to pay 2 car notes. The prepaid card keeps declining the the transaction to two different car companies. So I called today to convert the temp card to permanent card and Im told this takes 7-10 days plus the week Ive already been trying to pay my bills. Now Im told the card that I had deactivated and replaced was not deactivated and that takes 3-5 days. So 7 day plus 7-10 days plus 3-5 days just to pay two car notes and cant is messing with my credit. And its nothing I can do but wait as they mess up my credit with this no working cards
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I have never dealt with this company claiming I owe a debt to them of {$390.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NH)

I have my mortgage with XXXX I have reached out to them many time in regards to taking away PMI- I was sent a package from them of the process, which included my getting a home appraisal- Which I did and I submitted to them for approval- Late last night I called 4X on hold over 1 hour finally speaking to someone who told me it was declined. because I have not paid 20 % of my mortgage to them? I explained to them that is not what it said on line or is this what the HOMEOWNER PROCTECTION ACTS STATES. AS long as I am at 80 % than PMI can be eliminated - XXXX XXXX even has the example on there site. 
I dont understand why I have to pay for something that is no longer needed and why I had to pay for an appraisal if now they can go ahead and change the law? 

Please I would like to know what my options are and the facts to PMI and is XXXX  able to do this?
Consumer complaint received 2019-07-15
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: EQUIFAX, INC. (NC)

I filed a dispute on XXXX and XXXX both came back verified. I had sent a letter i received from the creditor/collection agency, stating i was no longer responsible for this debt. Equifax refused to remove this from my credit report. I had already sent the same letter ( enclosed ) to XXXX and XXXX and got the account removed. The amount in question was {$970.00}. Equifax has since said they will no longer investigate this matter. The letter states clearly the collection agency has ceased collections.