davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
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. (FL)

Hello, Several inquiries have appeared on my report. I have disputed them directly with Equifax. I opened a dispute here about this. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 I want to attach the documents I received from the companies showing that they contacted equifax. I took those documents and faxed/mailed them to equifax. Yet equifax refuses to accept them. 

I feel stuck in between, being told one thing from equifax and another from the companies. I have made hundreds of calls to equifax. Nothing is being resolved. 


Please see attached
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

In XXXX of this year, I opened a Citigold checking account using the promotion code XXXX. The promotion awarded XXXX Aadvantage miles upon completing {$1000.00} in debit purchases and one or more qualifying bill pays in two consecutive months within 60 days of account opening. A copy of the terms and conditions outlining the requirements and bonus is attached. 

I completed the requirements on XXXX XXXX, 2016 and sent a message via Citi 's online secure message system to confirm I met the requirements and will receive the miles. On XXXX XXXX, 2016 Citi responded saying I was enrolled in the promotion, met the requirements, and will receive the miles within 90 days ( by XXXX XXXX, 2016. ) A copy of Citi 's response is attached. 

On XXXX XXXX, 2016, I messaged Citi again to confirm the miles would be awarded by XXXX XXXX, 2016. They responded by refusing to award the miles as described in the terms and conditions despite previously confirming that I am eligible and will receive the bonus. The terms and conditions state I would receive the miles within 90 days ( which would be XXXX XXXX, 2016 ) and Citi confirmed I qualified for the promotion, but the miles still have not been awarded. I feel misled by Citi and believe they are not holding up their end of the terms and conditions of the account I opened.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

Plain vanilla gift cards were purchased as gifts for family members. The cards were lost. I have provided all the information requested via numerous telephone calls and several emails without response from the company XXXX XXXX XXXX. Telephones calls ( XXXX ) are frequently mysteriously dropped and it seems that they have no desire to solve the problem of a lost card and prefer to not send replacement cards. After sending all these documents, I was met with silence. There was not email or call. I called to follow up today and they are still " reviewing ''. I am losing faith that they will ever replace these lost cards totaling {$350.00}
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (CA)

Over  one  year ago I began receiving voice mails from a company identifying themselves as  XXXX   XXXX   XXXX .  XXXX  day I was home when they called and I answered their call. A very rude young man claimed that I owed his company for shoes that I ordered but never paid for. I told him I had never heard of Mason until they started leaving messages on my answering machine and I had certainly never ordered shoes from them. The young man persisted and I told him that " this is a scam '' and I hung up on him.     The voice mails persisted, and some time later I was again home to answer their call. I nice young woman was on the line to whom I again explained that I did not order shoes from her company. After hearing my story she agreed that someone else must have used some of my personal information to order shoes, because the shoes were not shipped to my address. She offered to send me a " fraud '' package to fill out, disputing the claim so that  XXXX  could clear their records. I received the paperwork, filled it out and mailed it to  XXXX .     I few months later, I again started receiving collection voice mails from  XXXX  which I ignored. After many such calls, I angrily answered the phone and threatened to report the company to the authorities. After hearing my complaint, I was told that the paperwork I had filled out was never received and they would send me another set of forms to dispute their claim. I never received the second set of forms.     Recently I received another voice mail from  XXXX . A few days later, I received a statement from  XXXX  claiming I owed them {$450.00} - I had never received a statement or invoice from them before. In the same mail I received a notice from  Professional Recovery Consultants   ( a Collection Agency )  advising that  XXXX  had turned my account over to them for collection.     I am attaching copies of notices from both companies to this complaint.
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have contacted CommonWealth Financial System ( collection agency ) 3 times explaining to the company they have mistaken identity. The three disputes were made on XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have never obtained any services from the company they are attempting to collect for ( XXXX XXXX XXXX XXXX ). I have also tried to contact the original company XXXX XXXX XXXX XXXX and the company does not exist. 
When contacting the Common Wealth via phone they refuse to discuss the matter unless I provide personal information via SSN and Birthday. 
My primary request to Common Wealth is to provide information of identity or any type of signed contract as they have the incorrect person. 

As previously stated I have never received services, agreed as a guarantor or received statements from XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (WA)

According to the terms of my paypal credit and the most recent statement my payment should be {$25.00} however paypal claims it is {$120.00} after 7 hours on the phone they refuse to correct this obvious mistake. The minimum payment is {$25.00} not {$120.00}. They also refused to allow my to dispute a charge of {$390.00}. Many calls were placed to paypal and paypal credit in regards to an item that was delivered broken and useless. First the claimed that the time limit was 45 days when the written invoice stated 180 days. After many calls disputing this fact finally they agreed to a refund, but that was not true and many months later now state that it is past the 180 days so nothing can be done but every effort was made to dispute the charges immediately upon arrival of the product in bad condition. They state that it is not possible to communicate with anyone beyond customer service and that there is nothing customer service can do. It is very troubling when a company and take XXXX of dollars from you in fractions of a second but any effort to correct a mistake or protect the consumer from fraud can only be done slowly over many months and in writing.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My bank, First National Bank, did a security update on XXXX and XXXX. After the 30 minute long security details, I went through the long security process. When I tried to log on to my account I had no idea which of the many security numbers I should use. My account was disabled after I tried to use the different numbers. The message said to call the XXXX Customer Service number. It was busy all day on XXXX and XXXX I can not access my First National Bank account.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (VA)

I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AZ)

On my credit report a collection item shows from National Credit Adjusters out of XXXX, KS. I never received legal notice according to FDCPA laws and they need to remove this from my bureau. Additionally, by law I can sue this company for violating my rights for same. 

This collection agency also put on my credit file that the account was just opened XX/XX/2021 which is a lie and fraud.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I submitted a dispute for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Experian. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the notarized letter I wrote to the court and the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MD)

send a large amoun t to JC Penny o m  XXXX   XXXX  of {$1100.00} dollars. Which they did n't decrease my total balance, also still have me pai d cash advance fe e which it was very small balance that could had been paid off with the large amount the interest amount was incorrect, also sent them a {$170.00} payment om  XXXX   XXXX  which the respresentative call me on fromthe Bank to pay, also explain to him what was going on and stated I have an attoney looking into this the respresentative ask for the name and phone number ofthe attoney but have not call him.
Consumer complaint received 2017-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Walwick, Inc (WA)

I have outstanding bill with  XXXX   XXXX  in  XXXX . The bill started at  XXXX  I have been making payments to the account. The hospital has received several notices from my insurance company asking them to fix documentation and send new documents. The hospital used the incorrect coding. I have tried myself and keep getting the run around. My insurance company is  XXXX . Hospital sent me to collection without any notice for a bill that I have been making small payments on. I have called medical records and you can only leave a message. I have gone down to the office and they always seem to be away and you can not speak to anyone. This is no the first time I have had a billing issue with this hospital.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXXXXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! 
There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.
Consumer complaint received 2023-04-15
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. (AL)

I Noticed Experian is still violating my consumer rights. I mailed another dispute with a new violation but they are ignoring my dispute as it's been over 1 week since they received the dispute via XXXX  priority mail on XX/XX/23, Please see exbits. They need to Delete the account XXXX  for inaccurate reporting on my credit file.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Inquiries : XXXX on XX/XX/XXXX - XXXX XXXX, A XXXX on XX/XX/XXXX - What happened : customer service would not help and take care of the negative inquiries reporting to your credit report.
Consumer complaint received 2015-08-20
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (MI)

I am an XXXX year old XXXX woman and in XXXX I began getting letters from Financial Freedom threatening me with foreclosure. These letters said I owed Financial Freedom {$3300.00} for advances they paid out on my reverse mortgage. However, when I called Financial Freedom on numerous occasions no one could explain to me what these were for. Finally, my son ordered an account history and after reviewing the history we determined that Financial Freedom was billing me for taxes that had already been paid or for taxes they claim they paid 8-10 years ago. When I asked them to provide proof they actually paid the taxes, they keep me on the phone for nearly 2 hours and made speak to 8 different people who kept telling me. " That 's not my department. '' an then tell me I 'm the one who has to prove it. 

My son and I went through the payment history realized that even if Financial Freedom is correct and they paid the taxes when they claim they did, I would not {$3300.00}. 

Please help I want to keep my home. I have nowhere else to go. I do n't want to be kicked to the street like the that XXXX woman who had Reverse Mortgage a few years ago.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

I am complaining because my current credit company is holding my received payment for 7 business days claiming that they need this time to validate that my payments will not be rejected by my bank eventhough the money has already been withdrawn from bank the next day. I never had a situation like that before and put me at a disadvantage. I was never late and I been a member for more than 5 years. 


Here is the explanation that I have received from the customer sevices. 

Thank you for contacting us about your XXXXX Airlines XXXX XXXX Mastercard. 

Wed like to inform you that an available credit hold is placed on an account as an authorization for the payment amount. The available credit may not be released immediately since the delay allows us to confirm the payment funds have cleared. Please know that we may delay increasing the available credit due to the fact that payments are not guaranteed, as they can be recalled by your bank. 

When this occurs, the available credit is held for 7 business days and released as of XXXX XXXX  ET on the next business day, as long as the next business day is not a holiday. Our records indicate the payment information is as follows : Payment Amount : $ XXXXX Payment Received : XX/XX/2020 Release Date : XX/XX/2020 Funds Available : XX/XX/2020 We apologize for any inconvenience this may cause ; however, were unable to release the available credit hold at this time. Since payments can be returned or recalled by your bank for up to 7 days, we generally place this type of hold until the payment is completely processed and the funds are guaranteed. Please know that your credit will be made available to you, after the hold has been removed. 

If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care