davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
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. (IL)

- I bought a XXXX computer for {$470.00} on XXXX/XXXX/XXXX - I received the product on XXXX/XXXX/XXXX, and returned the product 1 day later, that is XXXX. XXXX confirmed the receipt of my return on XXXX. 

- XXXX did not process my refund until XXXX/XXXX/XXXX after multiple calls from me to XXXX. 

- Since the refund was not reflected on my Citi Bank credit card, I asked Citi to check and they see no refund, while XXXX kept confirming they refunded already.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.
Consumer complaint received 2024-01-30
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I made a dispute with Transunion about an error in my credit report stating that I was delinquent on a payment back in XXXX XXXX, 2020. They told me they'd get back to me within 30 days. They did not. I had to reach out to them everyday after the 30 days to find out the status of my dispute and they gave me no answer and told me to call the bank that told the Transunion this delinquent error I had. I called the bank, XXXX XXXX XXXX and filed a dispute as well. They reached back to me 3-4 days around XXXX XXXX, and told me that it was indeed an error on their part and that they would update and report to the credit bureaus that the delinquency was an error and needs to be removed/deleted. We are now in XXXX going in to XXXX and nothing has changed and Transunion and any of the other credit bureaus have yet to update and fix this error that's severely damaged my credit score
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Merchants credit guide appeared on my credit asked what this was for all information was a hospital bill. went to hospital got a copy of bill paid hospital directly and merchants placed on my credit anyways even though I didn't owe them, and proceeded to claim a amount higher then what was actually owed.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XXXX my made a payment to my credit card for me since I was low on funds for the weekend I Then received email from capital one showing me the last four digits of her debit card and that her debit card is now linked to my account I did not want that I did not authorize it and this was a one time only payment and she did not authorize a linkage either I tried to talk to somebody about it and they told me I had to go online I went online there was no option to unlink I chatted with a guy named XXXX who told me to call IT and I finally talk to the supervisor team XXXX and they can not do anything about unlinking her financial information which we did not authorize I do not want it on there what if the company is hacked somebody would have access to her credit card this is Fraudulent behavior and predatory
Consumer complaint received 2022-01-06
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. (AL)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MD)

Intrest rate is over 700 %. 
I was not told the intrest rate. 
Requested automatic payments be stopped. Gave 48 hours notice. 
XXXX. 
Original Loan Amount {$1000.00}. As of ( XX/XX/2020 ). {$1300.00} paid.
Consumer complaint received 2018-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AK)

Woke up to a collection on my credit report from Commonwealth for {$1200.00} on my XXXX. They never sent me any notification of this debt of what its for or allowing me the opportunity to dispute it. They broke the law and violated my consumer rights.
Consumer complaint received 2018-01-08
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: BARCLAYS BANK DELAWARE (CO)

I was trying to book an international flight ticket using my XXXX XXXX card ( issued by Barclays Bank Delaware ) on XXXX/XXXX/XXXX ( Sunday ) in the amount of {$1100.00}. The next day ( Monday ) I was contacted by my travel agency saying that the payment did n't go through and that I needed to resolve the issue with the credit card company so they can re-process the charge on the same credit card else the booking will need to be canceled and re-booked at a much higher fare ( the fare had already gone up by over {$500.00} ). 

Upon reviewing my account online, I realized that my available credit was showing only {$960.00} even though I had already scheduled a payment of my balance in full over the weekend in the amount of {$1300.00}. I called in to the customer service to request if they would grant me a temporary increase for {$300.00} ( given I 'd already scheduled to pay the existing balance in full ) so that the payment could be reprocessed. I was informed that this was not an option and that there is no way for them to apply the payment today even if I was willing to wire in the money to them same day! I asked if I could transfer some of my available credit from another Barclays card to my XXXX XXXX card but was told that that was n't possible either since I did n't have the minimum of {$1000.00} in available credit needed on that card and that they could not make any exceptions for me! I even tried to ask for a credit line increase for {$300.00} but was denied after a credit check and personally speaking with a credit department XXXX ( XXXX, Operator ID : XXXX ) even after explaining the entire situation to her! 

I have several credit cards and none of them take 1-2 business days to process and apply the payment towards the available credit or at least they would have allowed me to temporarily go over the limit by {$300.00} especially given that the credit card payment was already scheduled in full! 

When I asked XXXX to transfer me to the complaints department to lodge an official complaint, I was informed that the only way to do this was by mailing a letter to the Office of the President. I did find a phone number ( XXXX ) on the " Complaint policy statement '' published on the XXXX XXXX XXXX website : XXXX : XXXX? XXXX However, this appeared to be just a general customer service number with generic options without any specific option for the Complaints Department. When I finally got through to a XXXX ( XXXX, Operator ID : XXXX ), she had to dig around for a way to lodge my complaint and was unable to provide me with a case number or a written email response that my complaint had been received and would be reviewed! I still have no assurance ( other than verbal ) that my complaint was lodged, will be reviewed and that I will get a timely response back!
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TN)

XXXX ( account name ) Credit Card - Revolving Terms ( account type ) is  being reported to XXXX incorrectly. The status says open, though it has been closed since XXXX.
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

Harassment from Navient- in addition to 3 calls received on landline XX/XX/XXXX Navient has called 12 more times in 4 days as follows : XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( rang 2x, cut off, called again XXXX XXXX ) XX/XX/XXXX XXXX XXXX The phone number they are calling from is XXXX though other unidentified numbers may also be used.
Consumer complaint received 2019-05-12
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: Experian Information Solutions Inc. (FL)

XXXX credit report XXXX credit report Experian credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Consumer complaint received 2018-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AL)

Again while checking my credit reports I noticed a collection from Diversified Consultants for a XXXX bill that does not belong to me. In fact I was in XXXX during the said time I signed a contract for their services. I have once tried to dispute the validity of this debt by requesting the original contract that I was accused of signing. I didn't receive any communication about this matter. I have researched a consumer relief attorney to handle this very stressful situation.
Consumer complaint received 2022-01-06
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. (AL)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and XXXX. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (NV)

DNF Associates which i am not familiar, is claiming that i owe them money for something that is not mine. I am requesting a validation of this so called debt by mail. I am retired and on ssi which means my income is federally protected. account number ending in XXXX, supposedly.
Consumer complaint received 2021-02-08
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX Names and variations not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers- Not mine- never used- FCRA Violation ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX inquiries - XXXX  XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Employer ( s ) * XXXX XXXX XXXX * RETIRED XXXX XXXX XXXX RETIRED XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I received a letter from a debt collector for a Cabelas Visa card. I also had a 30-59 day report on my credit bureau report. I have NEVER made a payment on this card past 30 days. I will admit, it has been up to 15 days past due one time, but NEVER 30 days. They told me that since I did n't make my minimum payment when the statement was cut, that was why it was reported on my credit bureau. This is deceptive and unfair and UNTRUE practices. I have NEVER made a payment 30 days late. This is ridiculous.