davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I borrowed some money awhile ago. It is something you borrow until your next pay. It was sent for collection. I don't understand why when they could have gotten the money out of my account weekly like it is set up too come out from next Deposit. Allow me too pay it off. They said it was discharged in XXXX. I have been with them for almost 20 Years. If I owe the money they could have taken and had me garnished. I never said i would not pay it back, just skipped my mind. I had money in XXXX and XXXX and they never went after the money in 2 Years. So they knew my Tax Check was coming too my Savings because I do direct Deposit each Year. My Tax Check was Deposit XX/XX/XXXX. Not even 2 weeks in my Account they went and took 85 % of my Savings and put me in a Hardship because it hit without notice. They were laying and waiting for this chance. Which they could have warned it was coming out or took it 2-3 Years Ago. This is Unfair Practice too take that amount
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

Resubmitting complaint XXXX as they didnt answer the question which is the issue. Please review complaint case XXXX. 
Advised was affected by COVID 19 for being late and didnt receive letters stated till my call and explained and didnt want account to get credit reported and was advised if I pay in full will not be reported and would be removed. I paid as promised from last call. Credit report is reporting XX/XX/XXXXbalance but has not been removed/deleted as advised?
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc. (NJ)

I have made numerous calls to this company to no avail asking for documents to prove I owe this claim especially since I have insurance. I have never received anything in the mail to proof the claim or a chance to dispute the claim.
Consumer complaint received 2023-12-23
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My wallet was stolen on the night XXXX XXXXXX/XX/2023 In that morning, I got alerts about fraudulent charges on my credit cards, and I denied all the charges. I filed a police report the same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Most banks permanently credited the fraudulent charges to my credit cards. 

Bank of America was the exception, and after a long investigation decided not to pay me back fraudulent charges ( {$210.00} made at XXXX and {$12.00} made at XXXX ), with a reason that " The merchant provided documentation confirming you received the merchandise or service. '' Not only this does not make any sense, but it is also a violation of BofA and XXXX 's {$0.00} XXXX XXXX clause. I suggest canceling XXXX accreditation for BofA, if they can't uphold their promises, and make their customers of XXXX loyal years feel like criminals.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has continued to report an inaccurate and unverified tax lien and bankruptcy without verification to support it. I have sent in notarized dispute letter after dispute letter with response from TransUnion response ; Tax Lien ( XXXX County Clerk - XXXX ) ( The County Recorder of Courts ) and Bankruptcy ( Texas Fedreal Court-XXXX ) ( The Bankruptcy Courts ) has been verified, which is not true because The County Recorder of Courts and The Bankruptcy Courts does not verify credit information. TransUnion will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Courts and The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (AZ)

On XX/XX/2023 I called and spoke with a rep to get a deferment. The first rep told me that it was granted and that I wouldn't have to make a payment until XXXX. Then I got a call from their automated system. I returned the call, and the second rep stated that the deferment was done incorrectly and that she was going to fix it and that my payment wouldn't be due until XXXX. My original payment due date was the XXXX. I spoke to the rep on the XXXX or XXXX of XXXX Then I get a call a day or two later from the automated system stating that I am past due on my loan. I called and spoke to a manager XXXX XXXX XXXX  and she stated that she could see hat I was given the incorrect information and that my loan is past due. She said she could not do anything to fix it and that I would have to make the full payment before the 30 days or my credit could be affected.
Consumer complaint received 2023-12-23
Product: Credit reporting 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. (MD)

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX {$550.00} / XX/XX/2021
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reliant Home Funding, Inc (NY)

Looking in to a refinance. I applied on XX/XX/16. Loan officer will not provide me with a loan estimate until I provide him with full income documentation. I argued with him that he has my credit info and full application but he refuses to send it to me! This is his info : XXXX XXXX | XXXX  : XXXX Licensed Loan Originator Reliant Home Funding, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | NY | XXXX Direct : XXXX Fax : XXXX
Consumer complaint received 2022-04-29
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NE)

XX/XX/XXXX made an on-line purchase at Walmart.com. It was offered, at check-out, a {$35.00} credit if I opened a credit card. I got the credit card this day because of the Promotional Credit. Called Customer Service on XX/XX/XXXX regarding the {$35.00} credit promotion ; was told this would take 1-2 billings cycles. Called on XX/XX/XXXX & talked to XXXX, she stated this promo credit was never applied so she would push this over and it would show up in 4-7 business days on my account. Called on XX/XX/XXXX and talked to XXXX, she stated this credit would show up in another 1-2 billing cycles. Think this is a scam, and they are not ever intending to issue the advertised Promotional Credit. If a consumer didn't pay their bill on time, they would be charged interest. Walmart/financial institute for the credit card should have to pay interest for their false promotional credits.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

New public record/ child support law took affect XX/XX/2017 since then I have been writing, faxing and calling in to get items that are reporting to my credit bureau file invalidly removed and XXXX  and Experian have refused to compile with states law. IL Dept of HC and  Family services is child support which is reporting invalid account status, dates, amounts and to my knowledge is not suppose to appear on files any more because account does not have any contractual agreement for services or products offered and XXXX XXXX XXXX is not my account I do not recall having any services or contract with this company. Other account that appear on Experian only that need to be removed in addition to the two mentioned above are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-04-04
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. (WA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
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. (FL)

I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( XXXX, XXXX and XXXX XXXX ) accounts, 2 ( XXXX and XXXX XXXX ) have been removed and 1 ( XXXX ) remained. The account was opened in XXXX for a XXXX credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.
Consumer complaint received 2023-04-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

Citi took it upon themselves to lower my credit limit violating 12 CFR 1026.13 ( d ). I mailed Notices and Opportunity to Cure to inform them of the billing error yet they willfully and negligently continued to deny me.

According to 15 USC 1637 it is an open end credit plan and I DEMAND it to be reverted back to that.

They failed to send my dividends from the account and emailed me " bills '' which is mail fraud. I DEMAND they reimburse my credits per 15 USC 1666d ( a-c ) and leave my account open-ended as lawfully intended.

Also, per 15 USC 1666 ( e ) they forfeit any payments and collections.

Therefore, I DEMAND they send my dividends in the form of a check made out to me.
Consumer complaint received 2021-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Equifax : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.
Consumer complaint received 2021-10-11
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 (NY)

American Express Credit Card Account ending in XXXX and Business Name : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reference Number : XXXX Transaction Amount : {$530.00} I have submitted two dispute claims to American Express with proper and supportive documentation to prove that XXXX XXXX XXXX incorrectly billed me for services. XXXX keeps sending the same incorrect information to Amex who seems to take it for face value without realizing the discrepancies stated by this hotel. This results in Amex making me responsible for the amount in question twice. 

-In the American Express XXXX Statement, the hotel first stated that I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. That was their first false claim. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. 
-The statement I submitted from XXXX clearly indicates that I made a reservation for 1 room for 1 person from XX/XX/XXXX to XX/XX/XXXX. XXXX. The room description is indicated in the copy I submitted and that this reservation was paid in advance as indicated in my XXXX XXXX credit card statement ( I redeemed my 1-night points as a valued customer of XXXX to get that fee ). 
- A second false claim submitted later by the hotel states the wrong customer name and that I stayed in their hotel a total of 4 nights : from XX/XX/XXXX to XX/XX/XXXX. The hotel must have made a mistake with the reservations and billed me for the wrong dates. 
- I have submitted documents in my second dispute that after staying the one night in XXXX, I went to another hotel that I had already booked in advance to join my party. I submitted the reservation from XXXX and the receipt from the other hotel stating the checked-in date as of XX/XX/XXXX and the check-out date as of XX/XX/XXXX. This was also paid in full in advance. I couldn't be in two places at the same time.