davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

Experian Credit Agency has information listed on my report from XXXX WA XXXX ( XXXX ) XXXX I have never had an account with XXXX They have just updated information on my credit report XX/XX/2016 and they constantly update this information once a month causing me to have a unsatisfactory credit score and report. This item was not verified I asked Experian to send me the information verified within 15 days and they did not. According to FCRA I am entitled to receive verified information within 15 days of decision, I did not. I want this item removed immediately. And I want them to not be able to report false information to the credit bureaus whenever they please.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

When I opened an account with Best Buy in 2002, I apparently agreed to a debt protection program when I opened the account that I was not aware of. I am gainfully employed and always have been and sincerely doubt Best Buy has my signature on file that I ever agreed to this program. I noticed this on my bill this month and called for an inquiry and was told that it was indeed when I was accepted for the card then. With all of the different portions of the bills regarding interest, etc, I never saw that, and I went to electronic billing years ago. As I am nearing retirement I am looking at my bills and what I thought was an insurance payment for an appliance was not. I have been paying over XXXX a month for something I have never needed for over 15 years. The only thing Best Buy did was to send me a letter to say they have cancelled it. Yes, I am wrong in not seeing it before. I use this credit card about 1 a year So I could recognize what the balance should be. I never looked at the detail of the charges. And Best Buy in 15 years never sent any reminder or option to opt out of this. I have a measly XXXX balance - go figure because of this. In this period I have paid XXXX in debt protection that I have never needed or never used. This is outrageous. I know I am neglect and looking at my bills however how many other consumers are being charged this - and per the description subscribed unknowingly when they opened an account. I want my money back - now I understand why I have not been able to pay off this bill while they continue to raise my credit limit. Shop there - no more.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (IL)

We went to transfer {$25000.00} on Wednesday, XX/XX/XXXX from Synchrony Bank to another account. We linked the bank accounts, confirmed they were connected, and initiated an external transfer as noted on their website. Unfortunately, no where on their website do they make clear that I have to be the account owner for an ACH transfer ( I am now aware of this, have gotten used to easy clearing houses through programs like XXXX etc. ). The holding period for this cash to return is longer than what's feasible to make a purchase, and now the entire process is in jeopardy because Synchrony has no alternative solution. 

Synchrony points to page 5 of their Terms and Conditions as an excuse for not making this clear anywhere on their website, even though there's an incredible concise explanation of how everything else works on their transfer portal. We signed up for this account for the specific reason that it would be easy to use online, and honestly have had nothing but problems getting money out of Synchrony when we need it.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ; If Equifax and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a request to XXXX and XXXX to removed erronous credit error on my report. I subitted supporting documents on XX/XX/2022. As of this date the problem still exists and it took over thirty days to eespond which menas it was the the 30 days period from their investigation. Therefore, It must removed the error from my credit report. I received and have in my possession a notary document stated that this account was in error and that the vehicle in question was recalled by the manufacture. I submitted proof to XXXX XXXX XXXX back in XX/XX/2022 and 60 days later it still shows as an updated file. They have not done anything to my account even though I submitted proof that XXXX XXXX screwed up. According to California law, the vehicle XXXX purchase was in fact a lemon by California standards, plus the Manufacture admitted that it recall the vehicle and didnt have the parts to fix the vehicle as of XX/XX/2022.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I applied online for an installment loan and was approved for a {$2000.00} loan. Upon trying to get the loan they want me to put my car title up for collateral in which i disagreed. I asked for an unsecure loan. The branch manager in XXXX, OH denied an unsecured loan based on some derogatory past credit cards. The credits are not in my name and i am just an authorized user and they want to base thier claim on someone elses credit card history.
Consumer complaint received 2022-05-05
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. (PA)

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (FL)

This is not a duplicate dispute To whom it may concern, I recently sent XXXX a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # 1 PlusFour , Inc. / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the PlusFour account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in PlusFour , Inc.s illegal reporting practices. 
3. The account reported above are not my debit, and I have no knowledge of it. 
4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves PlusFour, Inc.s illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, Equifax, and XXXX. XXXX reports the account number as XXXX, while both Equifax and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, Equifax, and XXXX. 

Attached is documentation in support of this complaint.
Consumer complaint received 2018-05-28
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. (CA)

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
Consumer complaint received 2017-04-09
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to make a dress for my brother 's wedding, I have all email and IM correspondances which she clearly stated she would make a XXXX/XXXX copy so we can ensure fit. My mother placed an order with her as well under the same assumptions and she stated again that she could do the XXXX. My mother sent her measurements within 24 hours of paying for the dress but never received the dress by the deadline, XX/XX/XXXX. When the dress arrived the quality of sewing was poor and unfinished. The material had oil stain. My outfit arrived the evening before the wedding ( XX/XX/XXXX ) not allowing time for alterations. Both items did not fit and were not quality made items and not as previously designed/discussed. I have pictures to document these concerns. When contacting XXXX, she refuses to come to a resolution saying the XXXX was an extra charge despite not disclosing this prior to payment or previous emails. She refuses to meet us halfway in resolving this issues. She took our money total of {$480.00} and is hiding behind NO REFUND POLICY despite poor craftmanship and lack of timely deliver as promised.
Consumer complaint received 2022-08-25
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. (NC)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-11-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2016-07-21
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (AZ)

I am ally bank customer - checking and savings bank account. I scheduled a Bill Pay facility to pay $ XXXX to my spouse who is also having Ally bank account. Check was supposed to be delivered on XXXX XXXX, 2016 but it never happened. Moreover to my surprise the $ XXXX was debitted from my account on XXXX XXXX, XXXX how come that is possible? Firstly check should be delivered on time. Secondly money should come out from my account only when the receiver en cashed it? Moreover even when receiver deposits the check into his account it will take 3-5 days for the entire money to be available in his account even when it is ally to ally transfer. So why ally is in a hurry to take money out of my account so early - much before the check is reached the received? I am writing this on XXXX XXXX, 2016 morning. As of now receiver has n't received the check which he is suppose to receive by XXXX XXXX, 2016.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FORD MOTOR CREDIT CO. (NM)

I'm sorry you felt this way. You sent a survey and asked for my honest review, and I'm sorry my review offended you. Instead of disciplining your employee, you want to discredit the customer by going after the customer. You should check the quality of the employee that would commit such an egregious act against an individual, and your resolve is to dismiss the customer complaint and report as the customer is at fault for the misfortune that happened at your place of business, and I now will report you to the CFPB or Consumer Financial Protection Bureau. Do you think I'm making this up? Let 's look at the statement of fact. 
I took my car for repair, and I was told that my car incurred an impact that damaged my vehicle based on a Ford technician 's finding. I reported to the insurance since I have full coverage. Ford did a complete full inspection on the car, and no report of engine rod damage was reported. I drove the car to XXXX, and the car seemed to be fined. Since they didn't have the part, I returned to XXXX XXXX and took it to Ford for the car the final repair. When I returned to Ford, I was greeted by a young XXXX guy, not the regular tech I usually reported to. He acts like he doesn't want to get involved in whatever they plan. The young man proceeded to tell me that he had no recollection of me and that all repair was done as far as Ford was concerned. 
I thought the insurance company reneged on their payment. I called the adjuster and was told that For received the money, and when I returned and told them, they got paid, and if they were not repairing, returned the money. That young XXXX employee caught an attitude, so I said that was stealing when you claim to have done the work. I came to Ford expecting a fair and honest assessment from a reputable company, but what I received was what very well could be attempted murder. The vehicle broke down a block away from Ford. The vehicle drive would not engage. Call Ford sent a tow truck and later found the screw on the transmission rod was loose and came off while driving. Why would drive not engage? What conclusion would you come up with? I could have gotten killed if I had been on the highway when it happened.
Consumer complaint received 2020-04-09
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: DISCOVER BANK (MS)

I SPOKE WITH SOME AT DISCOVER THEY TOLD ME TO WRITE A LETTER AND SEND THEM A COPY OF MY LICENSE.I TOLD THEM THAT I HAVE DISPUTE IT WASNT MIND THEY SUIT ME AND HAD IT TOOK FROM MY PAY CHECK ITS A XXXX BALANCE BUT I NEVER OPENING A ACCOUNT WITH THEM.I ASK FOR PROVE OFF THE ACCOUNT WHO AND HOW IT WAS OPEN WITHOUT MY PERMISSION AND I HAVE A FRAUD ALERT ON MY CREDIT SINCE XX/XX/2017 AND THE ACCOUNT WAS OPEN IN XX/XX/2017 and had two phone number on the account that wasn't my number this is affecting my credit really bad.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had the item removed from my credit report in 2014 due to the fact that the collection company re-aged my account then the agency put it back on my report without notifing me or correcting the information I have disputed this information numerous times to no correction or removal
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau (TX)

Re : Medical Business Bureau : I have not received any notifications to validate the medical debt for date of service XX/XX/2014 by mail, telephone, or email. They have not been able to provide proof that I have signed and accepted responsibility for the debt they have placed on my credit report. I have requested that they remove this erroneous information from my credit report and they have not, instead they report back to the credit bureaus that I am responsible for this debt without explanation. Re : XXXX XXXX : I have also contacted the original creditor XXXX XXXX and ( XXXX ) advised that XXXX XXXX has dissolved and they no longer have any information in their system b/c they computer systems has been purged of any prior debts. They have also not been able to validate debt.
Consumer complaint received 2017-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: APPLE RECOVERY, LLC (IL)

I was contacted back in XX/XX/2016 by Apple recovery of XXXX, Arizona, they stated I owed {$23000.00} from a XXXX loan. I advised to them that XXXX/XXXX whom are now under investigation and being sued, frozed the funds put in my account from XXXX and then ultimately took the the {$23000.00} as well as my funds of approx. {$18000.00}. I was called by Apple repeatedly and sometimes even 4 to 5 times in a row to make a payment plan. So I did, I paid approx. {$410.00} dollars to Apple and requested a printout. I find out The debt was charged-off and XXXX/XXXX were in a multi class action lawsuit for the same thing they did to me, they did to XXXX of others.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

I have requested to close the account since there are money sitting in the account and I can not make any transfers between my banks. The whole process is already been more than a week and the account still hasn't been closed yet. Every time when I called, I was told 1-2 business days. I need to get my funds back ASAP.
Consumer complaint received 2022-01-04
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: FC HoldCo LLC (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.