davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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. (VA)

On XX/XX/2020, I purchased a {$120.00} product from XXXX that had a 30 day return available for any reason. I paid with my XXXX  account which was linked to my Citi card. I emailed the company on XX/XX/2020 and XX/XX/2020 to attempt a return, but they didnt respond. On XX/XX/2020, I disputed the charge, and advised the company that I had filed a dispute. The COO responded the same day acknowledging receipt of both initial emails. My Citi dispute process advised me to attempt a return. I returned the product as per the companys online instructions, and received a delivery confirmation on XX/XX/2020. I did not receive the request from Citi for the tracking receipt, so my dispute was denied on XX/XX/2020. On XX/XX/2020, the COO agreed to a refund if I sent the tracking receipt showing that the product was returned. I sent the tracking receipt, but then she said that they were unable to provide a refund with an open dispute. She said that once the dispute was withdrawn, she would process a refund. I showed her on XX/XX/2020 and again on XX/XX/2020 that there was no open dispute. On XX/XX/2020, I provided the tracking receipt to Citi, and advised them that I wanted to reopen or appeal the dispute because I provided the COO with all requested info, but she still would not send my refund. On XX/XX/2020, I emailed Citi to inquire if my dispute had been reopened. I received no response. On XX/XX/2020, Citi advised that they could not assist me because it had been 6 months since the purchase. On XX/XX/2020, the COO advised that it was impossible to process a refund because of the way XXXX was set up in their system. They advised that they would process the refund once XXXX advised them how to do it. I contacted XXXX, who deferred to Citi, as I never opened a XXXX dispute.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hillcrest Davidson & Associates (NV)

Hillcrest Davidson attempted to collect a debt that I was informed by the original creditor was closed. After numerous phone calls to my cell phone which included yelling and screaming at me, threats to damage my credit and threats to garnish my salary I sent them a cease and desist letter. In the mean time Hillcrest Davidson called my place of work and spoke to one of my employees telling them that they needed to speak to me. The employee asked who was calling and they told her they were a lawyer trying to collect a debt from me. I asked them to not call me at work again. I disputed the debt because of this and it was removed, I then received a letter asking me to pay the debt and the collection has reappeared on my credit report. This company are rude, unprofessional and aggressive. I have disputed this with XXXX  and XXXX but they claim that the collection and this company are valid.
Consumer complaint received 2020-11-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services (PA)

I received a vehicle title loan a week later I was laid off the loan had insurance as if I were to loose my job I was covered - I submitted the information meantime covid hit I became homeless and lost my mailing address. I did not receive any mail from this company nor towing company to make me aware they were repossessing my vehicle My car was repossessed on XX/XX/2020 the lendmark financial says if I give them {$300.00} its the towing company thats charging {$650.00} for repossession Please help me XXXX XXXX
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

I deposited a {$550.00} check on my phone on XX/XX/XXXX on the Wells Fargo app but it immediately got debited in my account and marked as a duplicate even though there wasn't a duplicate deposit. 

I call them and they said that they can't do anything on their end and that I have to go to a branch. I go to a branch on XX/XX/XXXX, tell the banker what was going on, and deposit the check. The next day it gets debited from my account again. 

I go back to the bank to ask what's going on and they open an accounting case and that I'd hear from them in at most 10 days. I get a letter in the mail on XX/XX/XXXX stating that " We have reviewed your case and a debit card adjustment of {$550.00} has been processed to your account on XX/XX/XXXX '' which is just restating the problem that I had in the first place. 

I've been calling them and visiting branches fo a month and I just get passed around to different people because they all say they can't do anything about it.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-22
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. (OH)

I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via XXXX.
Consumer complaint received 2020-07-13
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-03-04
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: EQUIFAX, INC. (OK)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XXXX {$450.00} XX/XX/2016
Consumer complaint received 2022-11-18
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. (MO)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove the remaining fraudulent information from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.
Consumer complaint received 2021-04-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MA)

Hello, Im having a horrific time with multiple calls to arrange payments. I had paperwork notarized by my attorney and submitted paperwork back in XXXX. Autopay was never set up and I had to call to figure out why. I made a payment for XXXX and XXXX per my conversation in XXXX with one of your employers. The XXXX payment was sent back. I received letters Im late etc. Im not late this is your issue. 

I call every week and am currently on hold for over 20 minutes to speak to a supervisor.

I see a Class Action Suit filed against Loan Care. Multiple complaints exactly the same as mine. 

Similar stories are posted on XXXX  website.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (GA)

I do not recognize an account with this company. I have not receive written notice about this debt or had a chance to dispute the validity of this debt. Once I have received notice i can do my research and if it is valid i will settle with the creditor.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Would like to close Business Checking account effective today XX/XX/2020. 

We tried calling in but they were closed and online it wouldnt let us close it. We would not like to incur and additional fees and would like the account closed immediately. We just dont know if or when our business will resume.
Consumer complaint received 2022-04-07
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. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

For a considerable time ( several years? ) Transunion had been reporting my credit score as well below the others ; some 23 points below XXXX, when they both use VantageScore 3.0 to calculate the scores. 

For a point spread to be that large, there has to be something significantly different in these two credit reports, which there is NOT! I called Transunion for an explanation, but all they could tell me was that " Maybe '' it's this, or " Perhaps '' it's that, with no real accountability for the lower score Obviously, this effects my credit and my ability to secure credit at a reasonable rate. Since the Credit Bureaus have so much power in controlling our finances ( and the cost of it ), they should be held to a higher standard of accountability ; NOT the mush-mouthed " maybe this or that '' response that I got! I want HARD ANSWERS to this question!!! If they're going to cost me more to obtain credit, based on thier credit score,, then they'd better have a XXXX good reason why!
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
Consumer complaint received 2017-09-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HYUNDAI CAPITAL AMERICA (CA)

I have told XXXX XXXX ( letter ) to please have his people not to contact me about my car payments, when they are not due to no avail. their computer system, will make it look like you are months, behind, when your payment, has passed the due date and their computer system has not processed the payment, that you have made.I have also to XXXX that my telephone system will not accept ROBO CALLS ... to no avail and they continue to contact me via ROBO CALLS.
Consumer complaint received 2020-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Check my credit report and see a company called IC System have put negative and false information on my credit report.Never heard of the company.they are saying I owe them {$320.00} which I dont owe them anything. They need to provide me with documentation showing I owe this bill!!!! And remove this information off my report.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (MD)

Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XX/XX/XXXXand they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XX/XX/XXXX showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OK)

This is a follow up to Complain # XXXX, regarding a fraudulent application submitted to Chase Bank via Amazon.com, under my social security number. Chase has ran a new credit report on me, as of X/XX/2017.  Despite the fact that I have a fraud alert on my social security number, I was not contacted by Chase. When I called to discuss this with Chase, they informed me that they only call the customer in the event that the account is approved. They also would not tell me why the account was declined. Also, all of the credit inquiries from the previously submitted fraudulent applications are still on my credit report. Chase has done nothing to resolve these issues, as it continues to happen at least every 30 days.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

Got a XXXX  XXXX XXXX bill in the mail stating I owe {$290.00} from XXXX XXXX XXXX XXXX service date XX/XX/2020 and I never had a bill in my name ever and never lived here or know who lives/lived at this address
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I disputed several collections on my credit report and asked equifax to investigate. They came back with verified but they never investigated it. When I complained I was told I needed to contact the " collection/creditors '' myself to get more information. So I sent certified mail with signature return letters asking for documentation or some type of validation, a contract or signature or any type of details that proved this belonged to me. I got a bill instead. They offered no proof or details what so ever. So I contacted Equifax again and sent all the documents from the certified mail, to the signature cards, to the responses and they sent me back a response that they updated the accounts. I had told them that these companies are refusing to give me any documentation or proof of these so call debts and that I need them either to give me proof or documentation and method of verification and they said it was up to me to prove they weren't mine. How can I prove a negative? The ones reporting should have to prove and provide their method of verification. Equifax has me jumping through hoops and not providing any resolution on this. When I called them I got a XXXX XXXX XXXX which is part of their company. I asked and asked for help with this matter and all they wanted to do was sign me up for their services. They would take care of it if I paid them money. I refused and demanded to talk to Equifax. After 3 different phone numbers I finally talked to Equifax that said they  couldn't do anything that I needed to contact the collection/creditors. I explained I already had done that and they wouldn't provide any information. I was then told once again that it is up to me to prove these do not belong to me. A run around. The same XXXX over and over again.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have no knowledge of this debt so I asked the company to provide factual information that it was my debt. They sent a letter of a bill with my name and a address I have never lived at ( which is enclosed ). I never recieved any signed contract with my signature stating I ever was with XXXX or owe ERC? The paperwork has an accurate address during time they say I supposed to have had this account and no signed contract? I would like this removed from my account immediately as this does not belong to me.
Consumer complaint received 2021-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I booked a hotel room for the XXXX XXXX XXXX for the dates of XX/XX/XXXX, XXXX XX/XX/2021 through a third party XXXX/ XXXX, the total amount was {$500.00}. Upon arrival to the hotel I experienced a number of issues with the room. I spoke with the Front Office Manager XXXX XXXX. Ms. XXXX, offered me a refund and different room for the inconvenience, I accepted. I never received a refund. I reached out to XXXX  again, she informed that she sent the refund to XXXX XXXX XXXX I reached out to XXXX XXXX who stated XXXX did not submit a refund. I then filed a dispute with Capital One. Capital One credited my account and then recently made a different decision after receiving a response from the XXXX XXXX XXXX XXXX XXXX, response is unreadable and does not support my initial dispute code # XXXX. I requested for Capital One to reconsider it's decision, they refused.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

approx 2 mos ago i contacted synchrony paypal mastercard to inquire about a refund for a return retail item, i was asked do i want to activate my card, i said i did not know my card was not active nor did i request a new card, i was told i should have received an updated-i did not, they said no problem we will replace, it has been replaced twice and is now ok -no charges were ever put on those missing cards, i now have an active card with the same XXXX limit and XXXX   balance as before. The problem is that someone listed the account as closed-it has never been closed nor behind in pymts, i feel the error is that card was only replaced and someone in error has listed it this way. It shows as a closed account on all three bureaus although it is open with the XXXX limit and XXXX  balance which is correct, this has adversely affected my credit report and score. this account is still open with an exceptional pay history and XXXX limit with a XXXX  balance-current card ends in XXXX, i have confirmed this with customer service
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Only address should be on file XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Legal name : XXXX XXXX I am in dispute of all accounts showing Delinquent or charged-off, late pay on closed accounts, alerts on report with no basis, such as an account. 
3rd party accounts showing active And delinquent, no certified contract proving relationship..to validate the accounts please provide certified copy of original contract.. No other document will properly verify alleged debt.