davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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)

On XX/XX/XXXX I made a payment to the apartment complex I was renting from. The lease was ending on XX/XX/XXXX so the property management sent me an email with the prorated amount due. I wanted to make a split payment with my XXXX Best Buy credit card for {$790.00}. In error I paid {$2600.00} to XXXX XXXX XXXX AZ. I called the property immediately to request the payment be cancelled since it was showing pending on my end and when I spoke with the credit card company they stated it had not posted on their end. The personnel in the office at the apartment complex were not willing to assist and she portrayed there was not much she could do although she was the property manager. Once the amount showed up on my Best Buy credit card account, I called back and started the process of the dispute. I faxed documents which showed the prorated information from the apartment complex that was sent to me. I faxed them the ledger to show the over payment. I called Best Buy XXXX credit card multiple times, I was expecting a 30 no more than 60 day turn around but every time I called they had no updates or information. I recently received a letter from Best Buy stating my dispute was denied and charges were valid. I have not received any over payments from the apartment complex either. I have emailed them a demand letter today on XX/XX/XXXX
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.
Consumer complaint received 2022-11-13
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: JPMORGAN CHASE & CO. (WV)

I paid {$160.00} fee for extra piece of luggage for my wife. She was traveling from XXXX, XXXX to Washington DC on XX/XX/22. I paid {$160.00} online. When she checked in, she was told that they " could not see " the charge of {$160.00} I paid at their end. So she paid another {$160.00} for the extra piece of luggage she was carrying. She also paid for another piece of luggage. So I was charged THREE times for 2 pieces of luggage. I contacted XXXX XXXX. They refused to give me credit. I contacted the credit card. They claim the charge is " valid '' and declined to issue me credit. I provided them with my wife ticket number so they can check how many pieces of luggage she traveled with. Still they declined to issue me credit. Please find copy of my statement where I highlighted the 3 charges. you can see 1 was online and 2 were in person. Also I attaching a copy of the credit card response and my letter to them. thank you in advance.
Consumer complaint received 2022-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Paid mortgage off on XX/XX/2022 of {$28000.00} to Bank of America after numerous problems with the crediting my account correctly. I have been trying to contact them regarding my deed and paperwork showing I paid off the mortgage. Every time I contact BoA and no matter what time of the day, I am unable to speak with anyone. The virtual assistance keep saying they are closed after saying the business hours are XXXX as the business hours. The times called is well within those hours. I've tried more than dozen times. I need these document for personal reasons and I've paid the mortgage off in good grace, so I should be given my documents without begging for them.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WV)

I have disputed with the three credit bureau 's many times and had zero luck getting anything updated or accomplished. I have spoken many times to Wells Fargo associates in executive office as well. I applied for a mortgage earlier this year and was turned down because of a Wells Fargo Credit card charge off that is reporting on my credit report. I do not think this debt is accurate or mine. I had to settle for half of the debt in order to move forward with a mortgage. Wells Fargo collection department said it would update to paid in full. It is still reporting inaccurately on my report. The charge off date is incorrect because I paid the card in full in mid XXXX. The credit limit was {$1900.00} dollars. The balance was at around {$900.00} that was paid in full in XXXX. The highest amount reporting {$2100.00} dollars, of which I have paid {$1000.00} to settle a bogus debt. Now I also had a checking account with these folks which was my only account that I used to make payments to this credit card account. Every time I have tried to get credit card statements ( I have never received a statement since early XXXX ) I am denied and routed to the " collections '' department. I have also tried on the checking account side of things to gather statements from the old checking account with no luck. I know there was no payments authorized for this card since I paid the account in full in XXXX. One representative said that payments continued to be applied to credit card from " savings '' account all the way into late XXXX. The worst part is I didn't even have a savings account with Wells Fargo or any debt against this credit card for that matter. This has cost me major time, money, and stress. I had to settle for a higher mortgage rate, I have hired agencies to clear this up, and I have spent my own man power to try and tackle this issue. Please help a consumer out against these corporate scammers.
Consumer complaint received 2022-01-24
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: WELLS FARGO & COMPANY (CA)

It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with Wells Fargo Dealer SVC and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : Wells Fargo Auto Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.
Consumer complaint received 2022-01-24
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: LEXISNEXIS (NY)

Lexis Nexis has violated my consumer rights. I contacted Lexis Nexis on XX/XX/XXXX and XX/XX/XXXX informing them of the violations of my consumer rights. Lexis Nexis infringed on my right as a consumer to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Lexis Nexis did not have a permissible purpose nor did they have my written instruction as a consumer to furnish any information about me to any consumer reporting agency. On XX/XX/XXXX I received a letter from the United States Bankruptcy Court for the XXXX XXXX of New York stating they do not provide information to credit report agencies. Lexis Nexis is in violation of 15 USC 1681a ( e ).
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. XXXX XXXX XXXX reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.
Consumer complaint received 2022-08-17
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Foris DAX, Inc. (AZ)

I applied and was approved for a prepaid XXXX card by Crypto.com. It was issued on XX/XX/2021. The company will supposedly update the card status from issued to shipped once they mail out the card. So far it has been 62 days, and there has not been any communication or indication that my card has shipped. The company does offer the card in a virtual form ; however, I can not use my card for purchases that do not have an alternative to physical card transactions.
Consumer complaint received 2022-01-24
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: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2022 I filed a dispute for this account for inaccuracies showing on my credit report that is hindering me for getting approve for business line of credit because of this company mistake. The company refuse to obey the law which under FCRA states if there is any inaccuracies it shall be removed immediately so this is violation of my rights!
Consumer complaint received 2022-01-24
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. (MN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX XXXXXX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries.
Consumer complaint received 2017-01-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Group, Inc. (OR)

I 've attempted to set up several payment plans, I never get written communication verifying that payment plan and then when I call back they said it does n't exist or that I never paid and wont set up another one. They are very rude, they threaten, the make judgmental statements about you. I 'm willing to make monthly payments but they wont make the amount something that fits within my budget and they are now saying they will garnish my paycheck without letting me make payments. They are the worst company! I do n't even know why a hospital would ever use them!
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (FL)

There is an account listed in collections with XXXX for {$130.00} that has no company name or contact information listed. They list it with account number XXXX. Date opened XXXX/XXXX/2016, last updated XXXX/XXXX/2016. I have no idea what this is and who is responsible for placing this on my credit report. In comments it states " Medical ''.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2022-01-24
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. (OK)

15 USC 1681c-2 ( a ). i submitted an identify theft report to the Federal Trade Commission. Attached is my identity theft report. Block the requested information off my report. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (AL)

XXXX XXXX XXXX XXXX XXXX evicted my ex-wife while we were separated and I had relocated to another state for work. I had XXXX knowledge of the debt until now. On my credit report they have a judgement for {$2000.00}. There is also a collection agency trying to collect {$4100.00}. I am being told that I have to pay both of these and I do n't think that is legal nor fair. I understand I am responsible for the debt and I will undoubtedly pay it. However, it is not fair of them to double report on my credit. It is really hurting me in trying to live. I can not even find a place to rent. So I have to live with friends.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MD)

On XX/XX/XXXX I received a vanilla debit card from my neighbor for {$50.00}. 

On XX/XX/XXXX I attempted to use the card to make purchases at XXXX and XXXX, however the card would not work. I called the card 's customer service and explained the issue. I was informed that I only had a {$5.00} balance on the card because there were previous charges to the card as far back as XXXX. The representative suggested that I submit a dispute for unauthorized charges on the debit card. 

On XX/XX/XXXX I received a letter from " XXXX payments '' located in XXXX, GA which references ticket XXXX. The letter stated that they complete their investigation regarding my dispute, however the payment networks only allow recovery of transactions within 60 days from the date the transaction cleared. They have closed my dispute with no resolution. 

The response is and lack of resolution is unethical. I disputed the charges within XXXX day of receiving the debit card as a gift ( XX/XX/XXXX ). If the representative 's claim ( that there were several charges going back to XXXX ) is true, how could they expect that I or any consumer file a dispute within 60 days of said transactions?
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.
Consumer complaint received 2022-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC (FL)

I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being XXXX XXXX, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides XXXX  and XXXX  XXXX. I can not name names, do to the fact that I was in the XXXX XXXX XXXX XXXX The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.
Consumer complaint received 2016-09-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Critical Resolution Mediation LLC (CA)

I continue to receive calls from these lowlifes. They are trying to collect a debt with an unlicensed lender, XXXX XXXX that was discharged in my bankruptcy XX/XX/2015 they call my former roommate, call all hours threatening to have my wages garnished, call my employer etc. completely unethical! there are several complaints on various consumer websites. I filed a complaint in GA where they are based, it was a waste of time, they are using a new phone number to harass me as well
Consumer complaint received 2022-11-17
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: SYNCHRONY FINANCIAL (PA)

Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both PayPal and Amazon credit cards in my name through Synchrony Bank on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, XXXX separate Synchrony PayPal inquiries appear on my credit report. On the XX/XX/XXXX PayPal credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a Supplemental Consumer Credit check through XXXX  along with a XXXX XXXX XXXXs search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for Synchrony Amazon also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call Synchrony Bank by one of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 Amazon applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with Synchrony Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from Synchrony Bank stating the fraudulently opened prepaid Amazon card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony PayPal and Amazon inquiries remain on my credit reports, I called Synchrony Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.