davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} XXXX approx. {$1800.00} Bank Of America. A man posed as XXXX XXXX, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The XXXX men took me to XXXX separate gas stations buying nearly XXXX of some sort of tickets/cards, they tried to get me to take more money directly from the cards using ATM and I entered incorrect PIN before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! The second gas gas is where the BOA card was used and I didnt sign for anything but card was still used by the XXXX man. Filed reports with XXXX XXXX XXXX contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX  local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies are billing me for unauthorized charges, I did not authorize three men posing as XXXX drivers to force me to give them me credit cards and steal the items they wanted bought. I am military and the credit card companies are charging me fees, late charges on the unauthorized charges and ruining my credit. I was XXXX to XXXX beginning XX/XX/2019 and just came off of military orders. Any help you can offer would be greatly appreciated.
Consumer complaint received 2020-10-23
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. (TN)

I have been trying to have this issue addressed for at least the past 10 months. I have submitted all the documents that Experian asked for which proves that I have never filed for bankruptcy. Experian told me that a third party source informed them that I have. However, I reached out to the third party company which is XXXX XXXX. XXXX XXXX had informed me that the information that Experian is reporting is inaccurate. It seems that I can not get any help from Experian about this matter. I gave them everything that was requested, even a letter from my local courthouse stating that I have never filed a bankruptcy and also a letter stating that it was never reported from west Tennessee that I filed a bankruptcy. I dont understand why Experian is reporting this.
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (CA)

XX/XX/2022 I requested an installment loan from Lendumo. Over the phone a loan agent, seemingly trying to move through the process quickly told me the loan would be funded the next business day. He took my banking information and personal details over the phone. On the next business day I didn't see the funds and called to find out what the issue was. 

The new agent told me the bank account on file was incorrect ( there was one full digit in there that was off ). This was surprising to me as the agent on the phone from XX/XX/XXXX hadn't bothered to confirm or repeat the banking account number to me. Since I was reading off of my online account, I'm sure I told him the correct numbers but he entered one extra digit. 

I was told that Lendumo would reach out to my bank to have the funds sent back to them, at which point I could update my banking information and received the funds. 

I checked back frequently and was told I'd have to wait until they were able to complete their investigation. After a few days of no communication I called and was told they couldn't get anything done because they weren't able to find my bank 's fax number. I googled it ( using the internet ) and sent it to them immediately. After a few more days of no communication I contacted them again and was told that the investigation was being investigated by their QA team and would take some more time. 

On XX/XX/XXXX I received another message asking me for a bank statement as proof that I had not received the funds. I had sent my bank statement to them already on XX/XX/XXXX as requested but for some reason they needed to see it again, not sure why. 

Later on XX/XX/XXXX I received this message from Lendumo : " This email is being provided as a service through our recent discussions about your account. Unfortunately, the retrieval of the missing funds has been unsuccessful. A submission for call review of the Verification call on XX/XX/2022 was submitted to our Quality Assurance Team. Upon further review of that call, our Quality Assurance Team confirmed that the bank account that is on file is the same bank account number that was verified by XXXX XXXX. Unfortunately, at this time we will need you to provide an official bank statement ( not a screenshot ) from your bank from the dates of XX/XX/2022 to current. Until we receive this information we are unable to transfer your loan to the correct department. Please contact us once you are able to provide us with the requested documentation, so we may further assist you. '' It's never a good idea to take out an expensive installment loan but I was in desperate need and now because I didn't receive any funds the situation is even worse and I'm being told I'll be responsible for the loan I never received. Ridiculous.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

Experian is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix it.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (LA)

In Accordance with the Fair Credit Reporting Act XXXX DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone and XXXX XXXX has stolen what little financial dignity I had remaining. During the storm and as an unfortunate result of it's aftermath, I have been unable to use the simple technology to effectively manage things such as automatic bill payments and their cancellations due to rolling service outages, infrastructure problems, and other more pressing events beyond my control such as the safety of my loved ones. Even today as I write you regarding this I am still without reliable service at this point hence the continued delay in reporting this and other problems consequential of the most recent events. Nevertheless, although the funds were available to shortly after to cover the funds, the mounting fees made it impossible to ever catch up. To add insult to injury during this already difficult time, I received a email on my birthday nonetheless, that XXXX XXXX is closing my credit card accounts after five years of  my loyalty their brand and an impeccable payment history. It's almost as if they are intentionally taunting me during a time when it would seems as if they would be willing to help their loyal customers who have perfect histories with them.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX Equifax sent me a promotional offer of {$9.00} per month with no expiration date to accept the offer. On XX/XX/XXXX I signed up for services and my account was charged for the {$9.00} but when attempting to log in the website told me I had no active product. 

When calling the Equifax contact center they told me on XX/XX/XXXX and XX/XX/XXXX that my account was not charged and therfore they refused to assist with providing a refund or activating the services. They were very unfair about the process and stated there was no way I was being honest about being charged {$9.00} for the product. I explained i had a bank receipt with the date and time of the charge and they would not accept this as proof. Equifax then tried to sell the same product for {$19.00} and this seemed like an unethical dales practice. 

On XX/XX/XXXX the contact center representative asked for my full XXXX digit debit card number and then admitted he would be turning off the call recording while I provided my sensitive debit card information. This seemed very unethical and I know realize Equifax contact center representatives have the ability to alter call recording procedures.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CT)

I opened the key bank checking with {$200.00} welcome promotional bonus after {$500.00} direct deposit.

After opening this account, I

contacted the Keybank to see whether the promotional code has been applied to my account, but it showed no code had been attached. And the CSR helped me to attach the promotional code again. After I met all requirement, I noticed the bonus was not posted. Then I contact Keybank, but they declined this bonus, saying the promotional code was not attached on the first day. But I did input the promotional code when I opened this checking account, and don't know why it was not here at the beginning. I feel it is very wired, and Keybank just play tricks to decline the bonus. Please help me on that.
Consumer complaint received 2020-11-12
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX 1XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020, XXXX/XXXX XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The company Portfolio Recovery Associates, LLC says that they brought my account from XXXX XXXX in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for dentures that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the XXXX XXXX credit card that I used to purchase the dentures and XXXX refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (TX)

Ive used Cashapp ( Block ) as Im going through social security XXXX process and have very limited cash to survive on at this point. They offer an instant overdraft coverage with monthly payroll direct deposit of {$300.00}. 

Last week they removed this feature from my account and all they will say is I fail to have PAYROLL in the amount of $ XXXX. 

This is at the very least an age discrimination policy that the employees can not seem to explain to my small mind. 
Repeating policy is unacceptable and insulting when I started by asking why a monthly payment from XXXX was not accepted as income.
Consumer complaint received 2022-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX I sold my house and paid off the existing mortgage to Freedom Mortgage Company. I was subsequently sent an escrow refund check for the amount of XXXX. I could not cash the check because it had my ex wifes name included on it. I contacted Freedom Mortgage and explained to them that I needed her name taken off the check since the divorce decree had been satisfied by her having gotten her portion of the equity in the house. I was instructed to send in a copy of the final divorce decree verifying that the house was awarded to me. I sent in the divorce decree and was told that the check would be electronically deposited into my account but it hasnt been and it is going on a month. This same thing happened in XXXX and it was resolved by simply changing the conjunction between the names on the check from and to and/or.
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (PA)

I recently got into a accident & my vehicle was a total loss I purchased my vehicle through XXXXXXXX XXXX for XXXX used XXXX XXXX XXXX  on XXXXnow that my vehicle insurance has covered all cost of my vehicle the lender which is BRIDGECREST has been giving me false information everytime I call about why the account isnt closed out yet I have proof that they are holding the money that was wired to my online account & not posting it for weeks I have proof they have changed the dates on all of the payments received by my insurance companies now that all of the money is posted to my online account they are saying its not posted yet but I can see it on my end Ive asked to speak with a supervisor or someone in charge theyve told me almost every time there not here today. Ive always paid on time.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

I was told by Citibank that I could apply for the AA mileup card and pay for a trip I had on hold so I could get double miles. I was approved on XX/XX/19 and have a confirming email stating my credit amount approved that was effective as of XX/XX/XXXX, but it only shows the last 4 digits of my card. Tried for 3 days to pay for it with this approval and was told by Citibank all I needed was the last 4 digits of the card number plus my frequent flier account number to pay for the reservation. AA would not accept that and wanted my full card number that Citibank would not provide. I was later told if I would have signed up for the annual fee product that I would be given a temporary number to use to book the flight, but that this product doesn't allow it although no one told me this before signing up and none of the literature says so in the mail offer I received. I also was told on XX/XX/XXXX by a Citibank Rep that I should be able to book the flight with the last 4 digits in my approval email and my FF number which is a lie. I was able to convince AA to extend hold til XX/XX/XXXX, but price went up so had to buy on XX/XX/XXXX or would have to pay more for the ticket. 

So they bait you with the card and don't make it possible to use til 7-10 days after they say you are approved. Deceptive and illegal practices. And they would not cancel the card either when I requested since they claimed their system didn't allow them to do so! 

All I can do now is refuse card when it comes since I couldn't use when needed and now have a credit check hit.
Consumer complaint received 2020-11-12
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. (OH)

XXXX XXXX XXXX is the servicer on my XXXX XXXX loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but XXXX started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid XXXX on time every time required but my credit is now ruined and XXXX refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.
Consumer complaint received 2020-11-12
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 was alerted by Experian ( the credit reporting agency ) that I had an update to my credit score on XX/XX/XXXX. I logged in to find that my score had dropped 134 points. I see that two accounts by the name of XXXX XXXX XXXX were opened in XX/XX/XXXX in my name in the amount of {$680.00} and {$530.00}. Apparenty these now are in collections. I called Experian to report fraud and was advised to file a report on ftc.gov but due to the nature of the fraud, I was redirected to this website to file a complaint. It should be known that I do have an open federal class action case against three individuals who stole my mails along with thousands of others and were opening cards.
Consumer complaint received 2021-07-08
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. (IL)

This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. Mistaken Identity Chapter XXXX  Bankruptcy Case Number : XXXX Please remove this account from my credit report immediately!

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Consumer complaint received 2020-11-12
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. (MN)

The following credit card account listed on my XXXX, Experian and XXXX XXXX credit report is lost/stolen : XXXX XXXX XXXX Visa : XXXX.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is my follow-up complaint to tell you to verify the misleading report of this account : XXXX  XXXX XXXX .... Balance : {$56.00} The account should be verified since I sent a complaint last XXXX XXXX, This time verify the aforementioned account for its errors in reporting.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following collection account and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX