davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my capital one card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both capital one cards with the amount available.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

On XX/XX/XXXX of XXXX an aggressive and violent tenant, one whom has made multiple physical threats unprovoked and constantly had a man with a known violent criminal record stay with her committed assault and battery against me. The police were called, I had open wounds on my face from where I was clawed and recommended to go to the hospital. I wrote the apartment, XXXX XXXX, a letter and presented proof of the violent assault that took place. As over half a dozen noise complaints had been filed, police have shown up to their residence for unknown reasons, often needing to knock the door down, the threat was forseable. XXXX XXXX violated the terms of our lease agreement and not only failed to provide a quiet and safe environment, but acted negligently in allowing the situation to escalate despite ours and others warnings. Office manager XXXX XXXX agreed. I moved out completely on XX/XX/XXXX and was asked to pay for both XXXX and XXXX rent amounts. As the contract was legally void I offered to not sue for negligence and pay a pro rated amount until XX/XX/XXXX. The keys had been returned to them on XX/XX/XXXX when the incident was reported. I am XXXX and did not leave my apartment unless absolutely necessary. 

I have not heard a single thing, received for any mail or email or evening phone call since. As of XX/XX/XXXX there is a {$1200.00} collection on my 3 credit reports from FAIR COLLECTIONS & OUT with the only information provided being the name and the amount listed as derogatory. 

With absolutely nothing to go on I disputed with the three credit report agencies and they directed me to file a report with the FTC. I have done all that I was asked to, sent a letter on XX/XX/XXXX to the debt collector that was generated by the FTC. By this time I had found an address after XXXX the information. No email or phone number were provided to me to this day. 

They have not reached back out to me, but they have responded to the disputes I filed with the reporting agencies regarding their accuracy and requesting information be sent to me at my provided home address. 

They added an account number and date of first delinquency : XXXX ; XX/XX/XXXX. 

The letter is very detailed and in each dispute I made with all three credit reporting agencies I made it clear I have never been notified of any past due amount, sent a bill, or contacted about this. 

XXXX XXXX employees have been a nightmare to deal with when I did live there. After my last contact with them I do not want further contact, and will have to sue for Negligence and fraud by early XXXX if no one will actually verify they contacted me, or made any attempt to contact me as if they had I would have responded before this became a legal issue I cant afford with this epidemic living in XXXX.
Consumer complaint received 2024-09-02
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (TX)

I was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Between the dates of XXXX the scam artist posed as an associate of a legitimate lending company called XXXX XXXX. 

He goes by XXXX, he had an XXXX accent and was calling from this number : ( XXXX ) XXXX For the last few days he had made unauthorized deposits to my account and then up until XXXX days earlier I realized he was a fraudster so I blocked his number and alerted the real lending company of the fraud also as well. 

So now my bank believes that Im the one that is defrauding them when I didnt make the deposits
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (NY)

My, sister bought a visa gift card for me in the amount of {$500.00}, when i received the card on XX/XX/XXXX the card was torn and could not be swiped, i called the gift card mall at XXXX, they immediately cancelled the old card and told me i would receive a replacement card in 7-10 days, it did not come, i called them back on the XXXX of XXXX, i was they did not know what happened and they would issue another card wait 7-10 days again no card, i called again on XX/XX/XXXX this time i was told they woul send me an expidited card i should receive it in 3-5 days, today is XX/XX/XXXX i still have not received the card and they claim they dont know what happened they said it was sent thru USPS so i checked with usps they said the card was not in their system at all it was never there, gift card mall also told me that the {$500.00} was still on the card they could check that but they dont know why i have not received the replacement card
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (CA)

I secured a personal loan with One Main Financial in XX/XX/XXXX. I used my XXXX XXXX XXXX as collateral. I had full coverage on my vehicle at the time I first got the loan and I still have full coverage on my vehicle. I use my grace period each and every month to pay my insurance. I have another vehicle that's insured with XXXX and I use my grace period with them too each and every month. I guess, when I'm late, but within my grace period, my insurance must have notified One Main Financial. My insurance has never lapsed, my registration is always up to date ; but I don't understand why One Main Financial is always harassing me about their XXXX insurance that they want to force on me. My monthly payment is XXXX, do you know what that would come up to XXXX, I can't afford that and One Main Financial can not have my truck. I've never been late with my payments, that are due on the XXXX of every month. My credit is not the best, I guess that's why I had to go to One Main Financial in the first place, but they can't keep harassing me about insurance that I don't need.
Consumer complaint received 2020-05-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO BANK OF AMERICA DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS BANK OF AMERICA IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, names and addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (OH)

I made 3 charges on XX/XX/2022 XXXX XXXX fil a {$69.00} XXXX XXXX XXXX a {$46.00} XXXX {$220.00} These charges were canceled by the merchant and refunded instantly. My bank charged me and did not release the refund the authorization expired instead of being put back it just canceled out to zero. My account was drew into the negative and then they refunded the money they owed me. Theres no account transaction history showing this nor does my back statement show this activity under the bank security act its illegal to not have detailed transaction history for each checking and savings account for 5 years minimum after information is obtained they keep deceiving me and misleading me telling me the funds were returned on XX/XX/2022 also XX/XX/2022 also XX/XX/2022 none of this is XXXX correct because they didnt Return the money to me I have proof and at this point theyre putting me through unnecessary hardships. I want my money back immediately! I also want compensation for the financial hardship Ive endured
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-07
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: BARCLAYS BANK DELAWARE (IL)

Credit card used : Barclay Card US Purchased a flight on XXXX but flight was cancelled due to Covid 19 XXXX booking ID : XXXX / XXXX XXXX booking code : XXXX Amount : {$510.00} My credit card statement shows XXXX XXXX charged my BarclayCard, but XXXX is not refunding me. First they asked for {$100.00} processing fee, then they lowered it to {$80.00} fee. 
I do not believe I should pay any fee to get my money back for a service I never received. 
DOT says passengers should get refund if flights are cancelled by airline and mine was cancelled on XX/XX/XXXX, per XXXX XXXX customer service rep. 
Barclay Card says disputes can not be taken over phone. I submitted request for help twice online after calling. The helpline says disputes will be reviewed in 60 days!
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

Chime has refused to refund me for the amount of {$36.00}. 

On XX/XX/XXXX, someone stole my card information and placed a XXXX  order for {$36.00}. 

I have proof that the order was placed in XXXX XXXX, California. 
I live in Tennessee. 

I have proof that I was in Tennessee, driving home from work, at the time of the fraudulent charge. 

I have proof that I do not use XXXX. My only transaction was over two years ago at XXXX XXXX. 

I never authorized a payment to XXXX  or XXXX for someone in California to feed themselves XXXX 

I opened a dispute and it was denied. I opened a rebuttal to the dispute and it was denied. I attempted to reopened the rebuttal and they have offered to send me documents of the denial rather than resolving the situation rightfully in my favor.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED COMMUNITY BANK (TN)

Im complaining to have my {$1000.00} XXXX money back. I was working with a lender for a home that was pre-selling. Seller suggested I work with a lender that was tied up with their company. Promised that I will get some discount, I worked with the suggested lender. I paid {$1000.00} XXXX money. In order to be approved for the loan, the lender is so pushy for me to pay off my existing loans and advised me to pay a huge amount of down payment so we will be approved with the loan. Considering my regular income alone, the lender said that I could not get approved. The monthly mortgage will be more than half of my monthly income. Knowing this, I decided not to continue with the purchase and the loan. I asked for loan denial letter but the lender will not provide since he is so pushy even though I can not afford. The seller asked me to sign the release letter since its taking a long time already. My real estate agent advised me over the phone that the seller will return the XXXX money. But upon checking with the document, it states that the XXXX money will go to the seller. I was blinded. They said that they will file legal action if I will not sign the release letter so I signed the release letter and now I wanted to get my XXXX money back. 

Lender : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Builder/Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

I was a victim of identity theft earlier this year XX/XX/2022. Someone opened up other accounts in my name through Wells Fargo. They closed all of my accounts, and did an investigation. They found that it was NOT me and not my fault and told me I was okay to open up another account. Well Im XX/XX/2022 I opened up another account and they told me my only account option was clear access checking ( which is NOT what I had before and is a LOWER tier back account with a LESS benefits than my previous account. Since it was determined that I was a victim of identity theft then why am I not allowed to open up the type of account that I had previously!
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (PA)

I initially filed a disputes for some illegitimate accounts on my credit profile which where sent out via usps certified mail XX/XX/2022. The initial dispute was for Equifax to validate & verify the accuracy of the account in question. However more than 30 days have gone by with no reply/ update to my credit report from the initial disputes that were mailed. They where never picked up from the XXXX XXXX XXXX 
Tracking numbers where XXXX XXXX XXXX XXXX XXXX  : acct # XXXX I then immediately filed a FTC report for the illegitimate accounts on my credit profile. And submitted the disputes separately online on XX/XX/2022 & XX/XX/2022. I received results for the disputed accounts via Equifaxs online dispute center between XX/XX/2022 & XX/XX/2022. However 4 of the 6 disputes where deleted leaving me with 2 illegitimate accounts on my credit profile. I then resubmitted my dispute via online dispute on XX/XX/2022. I received the results on XX/XX/2022 stating that the 2 accounts that where left had still been Verified. I the. Submitted an additional dispute on XX/XX/2022 with a Re : Method of verification. My dispute was finished on XX/XX/2022 stating that the account was verified again. I was not provided with any proof of the verification for XXXX XXXX  : acct # XXXX. Also XXXX  sent me the account summary after I filed the ftc report with Equifax which has a complete DIFFERENT ADDRESS on file, which I received on XX/XX/XXXX!!!!!!!! Also on the dispute results that I received on XX/XX/2022 it stated that the identification and the address had been reviewed but there were no result of it! I have included all of the documents that I have obtained and that I have submitted to Equifax before. Which supports my claim!
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc (TX)

I was released from a prison term of 6 years on XX/XX/XXXX and had to reactive my XXXX benefits. I visited the SSA and completed the process of reactivation. Because I no longer had my XXXX XXXX XXXX, I signed up for a Chime Card after seeing the commercial on television. On XX/XX/XXXX I changed my direct deposit and received confirmation from the Social Security Administration. 

Per the SSA ( Social Security Administration ) my direct deposit was effective on XX/XX/XXXX, but on XX/XX/XXXX no benefits were received on my debit card ending in XXXX. I went back to the SSA and was told that the funds were released to Chime ( XXXX XXXX XXXX ) and I needed to contact them. 

I immediately went home and contacted the support team and was told they could not see my direct deposit. The next day I was told that it would take some extra days because it needed to go through the federal reserves before coming to them. The day after that I was told that because this is my first direct deposit that it would take extra days and they would post my funds upon receipt. From XX/XX/XXXX to XX/XX/XXXX, I still have not received my direct deposit in the amount of {$980.00} and I have a problem with this. 

Their advertisement states that you can receive your check up to 2 days earlier, but if signing up for the card in XX/XX/XXXX that was 30 full days they needed to verify my information for the direct deposit date of XX/XX/XXXX. Also, to verify my account, I had to submit a front and back copy of my identification card, which approved my account. 

I am filing my complaint because at this point Chime ( XXXX XXXX XXXX ) can not tell me where my money is and my landlord has provided me with a 3 Day Notice to Vacate. I need help ASAP! 

Please, investigate my complaint at your earliest convenience.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello. I was furloughed earlier this year due to Covid-19. Before I had a chance to reached out to Bank of America regarding a deferral on my Visa card, my account went over the credit limit by {$67.00} for 3 days ( on XX/XX/20 ). The overage amount was not due to a purchase but rather to {$100.00} in finance charges being applied to the account on XX/XX/20. Even before applying for a covid-19 deferral, I quickly brought the account under the credit limit on XX/XX/20 by paying the monthly payment due. I subsequently applied for, and was granted, a covid-19 deferral, which I truly appreciate. It was my understanding, however, that credit card companies were going to extend certain credit reporting courtesies during this time of crisis, including not reporting consumers as over the credit limit if this occurred. This event has negatively impacted my credit score and I would greatly appreciate it if Bank of America would remove reference to the account going over the credit limit from my credit report in light of the circumstances.