davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated, verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.
Consumer complaint received 2021-09-05
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. (PA)

I submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation (GA)

The loan was fradulent from day one when purchased. The car was previously wrecked and unreported at the time of sale. They resold the vehicle to me after it was repoed from another consumer with the same mechanical issues from the previous wreck. Also the amount financed at the beginning was changed after the sale to a higher amount. I was offered a lower balance after I kept experiencing the same mechanical issues which were alignment, transmission issues which the transmission eventually went out and the company agreed on a settlement offer of {$2000.00} due to the fact that the car was unoperable at the time of voluntary giving back to USAuto credit. I made 26 of the 36 months payments. And they sold the car for more that 100 % of what they financed it to me for. Which makes this company a fraud because I had a balloon insurance that I purchased at my initial financing in case of engine, transmission or major mechanical issues malfunction. And US auto credit would not honor the contract to pay their portion of the fees to restore the transmission. US auto Credit forfeited the contract to make another sale to a new blinded consumer to prevent all costs of helping me repair the transmission by reselling the vehicle again making it a third or fourth sale to a new consumer just the same as me. In addition, they have reported ( 3 ) different balances which are contradictory to XXXX XXXX and XXXX A family member has all his credit card receipts of payments made totaling in excess payments made to this account which was requested to turn my car back on and off due to the tracker that was installed on the vehicle. US Auto credit took advantage of the situation when they altered the balance reporting untruth to all credit bureaus. And my XXXX XXXX who is a XXXX XXXX, another with XXXX XXXX, and myself with XXXX XXXX have been denied rental Propertiess as a result of USAuto repair scam and of repeated repossessions to new consumers on this same mechanical issues. A family member has made over {$3500.00} to US Auto Credit using his credit card. And he is willing to take them to court because they are a fraudulent for not including the payments he made in the balance that they have reported. And the account number is XXXX They sold the vehicle for {$330.00} Date Sold XX/XX/2919 XXXX number XXXX Auction - XXXX 's XXXX XXXX XXXX  However, they are reporting XXXX to all credit bureaus. 
Also Im reporting this to every social media and willing to go public including on linked in. Because they were supposed to fix the transmission which was included in the balloon insurance that I purchased for repairs. And just decided to not fix it and sell it. And charge me a ridiculous price at the expense of my family well being.
Consumer complaint received 2022-04-02
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. (VA)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2019-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (CO)

Google Pay  demands access to an exterior credit or XXXX account to buy an item. I do not want to link any accounts - just pay for what I buy. Google demands a link to other accounts. This is a process to gather 1000 's of credit card and other payment information. An invitation to hacking and fraud! 
Stop Google from controlling the World!
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Since XX/XX/XXXX asking mortgage company ( Bayview Loan Servicing ) to remove PMI. Finally in April, it was determined that we qualify. Bayview had home appraisal done on XX/XX/XXXX. On XX/XX/XXXX sent letter of denial to remove PMI as the valuation report indicates that our home value depreciated. In addition, Bayview conducted an analysis of escrow and taxes and increased our monthly payment by {$55.00}. 

To date we have not received a copy of the appraisal report. We requested report on XX/XX/XXXX.
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from XXXX XXXX XXXX, XXXX and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to XXXX XXXX XXXX, XXXX which they received on XX/XX/2019. The letter will be on file. I asked XXXX XXXX XXXX, XXXX for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from XXXX XXXX XXXX, XXXX, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and XXXX XXXX XXXX, XXXX to see just in case they claim they didn't receive my letters. I have already filed a complaint on XXXX XXXX XXXX, XXXX with CFPB .The complaint number is XXXX which Portfolio XXXX XXXX XXXX XXXX   resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX
Consumer complaint received 2020-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where XXXX got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. XXXX XXXX needs to update my credit report immediately. I am not late for XX/XX/XXXXbecause it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of XXXX I submitted a request for a balance transfer from my CapitalOne Quick Silver credit card to my XXXX XXXX credit card. Upon submitting the request for balance transfer, I noticed that there was an error in the account number I entered and I immediately ( within seconds ) submitted a note to CapitalOne letting them know if this error and requesting an update to the balance transfer request. Capital One acknowledged the change and said the balance transfer would be updated. 

The balance transfer was never completed to my XXXX XXXX. I was charged {$3000.00} the full amount of the balance transfer request, but my XXXX XXXX never received that credit/payment from Capital One. 

After YEARS of writing and calling to find what happened to my balance transfer. I discovered that Capital One erroneously sent a check in the amount of {$3000.00}. I have no knowledge of who they wrote the check out to or why. When I asked where they got this persons name or why they sent them a check when I requested a balance transfer to an XXXX XXXX account in my name, they had no response. I asked them what they were going to do to correct this error on their part and they informed me that I would have to contact the person they issued the check to or the banking institution that cashed the check and submit a request to them. This is completely unacceptable. They have done nothing to remedy the funds they lost/mishandled. They have been unhelpful and have drained hours and hours of my time as I fought to find out what happened to my money.
Consumer complaint received 2017-12-19
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. (TX)

I purchased a rifle scope online in XX/XX/XXXX. The merchant shipped me the wrong scope. The scope I received was worth much less than the {$1600.00} scope that I ordered. The merchant denied responsibility. 

I disputed the charge with my credit card provider, Citibank. During the dispute process they provided incorrect information that caused the dispute to run past timeframe. A Citibank Customerservice representative provided this incorrect information to me via customer service chat box. There is a record of this but Citibank refuses to release the chat log without a subpoena. A representative advised me not to obtain a third party opinion letter on XX/XX/XXXX. A week later I was advised to provide the letter. I promptly obtained the letter and sent it in to Citibank electronically on XX/XX/XXXX.

Citibank would not continue with the dispute in XX/XX/XXXX because the deadline for dispute supposedly passed on XX/XX/XXXX. I believe my dispute rights were violated because Citibank could have continued the dispute past the timeframe with a reasonable chance of success. I called in numerous times asking them to pursue the case, and they ultimately closed my account and stopped accepting my calls. 

I had my full credit card account balance paid for other than the {$1600.00} charge. I was able to get a credit of {$400.00} from Citibank as a courtesy. The remaining balance of {$1200.00} ultimately reached {$1500.00} as missed payments and late fees kept rolling in during the months I spent trying to get Citibank to remove the charge. Citibank has also harassed me with collection attempts via phone and mail. They ultimately charged off my account as bad debt. The account has recently been sent into collections. I believe their actions are illegal and have damaged my credit severely for the past 2 years.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX/XXXX loans starting with XXXX reporting inaccurately to Experian, XXXX  and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

bankruptcy is reporting on my Experian And XXXX credit report inaccurate, Both XXXX and Experian refuse to show me method of verification I mailed letter twice to both credit bureaus.
Consumer complaint received 2019-06-05
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. (IL)

I received a notification from XXXX XXXX on an account ending XXXX that XXXX, XXXX, and Tranunion reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX  Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 30 days and i feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 30 days. I demand these accounts be removed immediately or I will file for litigation.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (CO)

call came from Linebarger Goggan Blair & Sampson, lady asked for me by name, wanted me to giver her my address to verify, I refused unless she told me what it was regarding, she said she couldn't tell me unless I verified my address, I told them not to call me again. my caller ID shows they have call everyday the last month. I have a mortgage and no other debt.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

hello there, yes, I had cleared up a 2016 negative balance that was in my checking account last, and the month of XX/XX/XXXX payments, last month I had wanted to open a new account with the same bank, and several others they told me they was unable, because it was a fraud issue.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (GA)

I was approved for 39 weeks of XXXX benefits and only received my 11 weeks of payments, or 11 deposits, on my card. My XXXX benefits went into effect on XX/XX/2020 and I havent received a payment since XX/XX/2020. I was also approved for LWA assistance payments which were only 3 I was eligible for but it added up to over {$900.00} and I cant find that money anywhere. They said that it was direct deposited to my account that I had listed on my profile but all my XXXX payments were rejected and had to be reprocessed and put on my go program card but I still havent received any payments of any kind since mid XXXX and I have tried to call the department of labor and I would be put on hold sometimes for 4 or 5 hours just to be disconnected and Ive repeatedly emailed them to no avail always getting the same response of for me to send my info and confirmation number and they would look into it but then I wouldnt hear anything for 2 or more weeks and then Id get the same preprogrammed message. Im so frustrated and almost dead broke and my bills are pilling up and Im slowly losing XXXX XXXX  I started for the ground up. Please tell me what I can do to get my back payments and who I need to talk to about it if youre unable to help
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (CO)

I was wired XXXX Euro from XXXX, XXXX from XXXX XXXX on XX/XX/2020 and on XX/XX/2020 XXXX XXXX  posted {$67000.00} to my account before deducting their incoming wire fee. They informed me that the exchange rate that was applied by Citibank to this transaction was XXXX. The history of Euro to US Dollar exchange rate shows at that time the exchange was between XXXX and XXXX. This resulted in a short payment to me of approximately {$1500.00} US. 

XXXX has been unwilling or unable to give me contact information at Citibank, who they say handled the conversion from euros to dollars on this wire transfer. I am not able to follow up with Citibank without this information. Does XXXX not have an international wire transfer desk for receiving a wire from XXXX? Why was Citibank in the middle of this transaction? Shouldn't they also be responsible for applying reasonable conversion rates on international currency transactions? Is XXXX also responsible if Citibank is acting as an agent of XXXX?