davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TN)

I am reaching out to get assistance with receiving the money in my daughters CashApp account. We created a cash app account for her, and deposited {$30.00}, with myself as the parent account granting me access to her account, and transaction history. Shortly after, she broke her phone, causing us to lose access to the phone number on said account. When reaching out to cash app for assistance, I was instructed to create a new account for her and request a money transfer from her old account to her new one. After creating a new account for her, I was then informed we would not be granted a transfer of the funds due to " undisclosed security issues ' ''. I have confirmed my information, as well as hers multiple times, and am not being informed as to what the " security '' issue is. I feel as if my daughter is being scammed, or taken advantage of. I have reached out multiple time, spoken with representatives, and supervisors only to be refused the money that is rightfully hers. I am filing a complaint here before seeking assistance in small claims court because no matter the amount, it is my daughters money.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (VA)

I bought my XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX va on XX/XX/XXXX. They pressured me into paying XXXX In extras like gaap and supamental Insurance. They said I could refinance when rates went down. I've been calling. No one will return my call. It had made it where I can't get a mortage, business loan anything. I've been trying to refinance.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

About a month ago, I reached out to Capital One regarding my 360 Savings Account, which despite having a variable interest rate, has been earning a steady and paltry .3 % interest for nearly 3 years. I have been an account holder for 15 years and during that time, up until 2 years ago, my savings APR had fluctuated with the market, as expected. After years of declining interest rates, I expected the APR on my savings account to finally rise as interest rates in the US began increasing, but it never did. 

I have copies of bank statements which shows that Capital One paid the following APRs on deposits : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -.3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 APR As you can see, Capitol One regularly adjusted the interest rates on my 360 account until XX/XX/XXXX. Capital One then froze my so-called variable interest rate not coincidently when my APR hit rock bottom. I am happy to share copies of my bank statements in a secure portal that will protect my PII.

I was shocked to learn that while Capital One was reneging on its obligation to increase the variable interest rate on my 360 account, it had created a NEW savings product called 360 Performance Savings and only offered market interest rates to NEW customers. At the same time, Capital One failed to notify existing customers that they would no longer be adjusting the variable interest rate on our 360 savings accounts nor did they notify us about this new product that we could and should move our money to in order to receive the higher interest that we are owed. Capital One committed fraud by failing to meet their obligations to existing customers by freezing our variable interest rates at the lowest level possible and theft by holding on to our savings while failing to pay us appropriate interest. I'm sure they thought it was a clever strategy to create a new product and only pay a higher APR to new customers, which would be a small fraction of existing customers. This move undoubtedly saved them millions and millions in interest owed on existing savings accounts, but it was not just clever. It was fraudulent and theft. 

I filed a complaint with CFPB about this issue ( XXXX ) and Capital One responded without remotely addressing the substance of my complaint. As I stated in my feedback, Capital One is free to create as many new products as it likes but that does not remove its obligation to service existing clients per the terms of their agreement. It is unfair, deceptive and abusive to promise customers one thing and fail to deliver. The fact that they created a new product, 360 Performance Savings, at the same time that they stopped adjusting the interest rate for existing customers is proof that they knew the appropriate amount of interest owed to the original 360 savings accountholders.
Consumer complaint received 2023-01-11
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-29
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. (MS)

I reached out to the credit bureaus on XX/XX/XXXX, XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the Tera program paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

order from XXXX used paypal XXXX said they would issue refund but didnt reached out to paypal who i used to store and send the money to XXXX  only for them to close my dispute saying i never sent supporting info the email address i used to sign was XXXX this is just crazy Info provided by the seller XXXX XX/XX/2022 at XXXX XXXX Tracking info provided by XXXX XXXX Shipped by Other Case ID : XXXX Disputed amount : {$530.00} USD Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date reported : XXXX XX/XX/2022 XXXX ID : XXXX
Consumer complaint received 2023-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (SC)

I was diagnosed with a XXXX XXXX and out of work for 3 months. I ran out of XXXX XXXX and did not have XXXX XXXX XXXX. I did not get a check for 3 months. I could not make any payments at all on anything. When I startted back working, I contacted them to see if they would allow me to make payments. I made two payments in XXXX. In XXXX I forgot to call them to report that my checking account information changed. My payments did not go through. I called today, XX/XX/XXXX and ask if I could make a payment on the balance of {$180.00} and they said No, and that they have given me a chance. I explained that because of my XXXX XXXX I have XXXX XXXX  and forgot to call them to make the changes. They also have two accounts for different amounts charged on on my credit report. I only have one account with them. They are reporting incorrect information on my credit report.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

On the night of XX/XX/2023 customer XXXX XXXX attempted to make a cash withdraw at the XXXX  XXXX XXXX ATM close to his home. Customer inserted his card, entered the appropriate PIN, and followed the ATM prompts in an attempt to withdraw {$500.00} dollars for an upcoming trip to visit his parents. During this first transaction XXXX XXXX receives a text from his First Citizens XXXX institution stating " Free First Citizens Security Alert : Declined Transaction for card XXXX used at XXXX XXXX XXXX XXXX - XXXX for {$500.00}. Was this you? Reply YES or NO. Reply STOP to XXXX XXXX. '' to which XXXX XXXX responded " Yes ''. XXXX XXXX then received a follow-up message from XXXX XXXX XXXX XXXX No further action is needed. ". XXXX XXXX then circled around the ATM and came back attempting to make a XXXX withdraw. To which was " declined ''. XXXX XXXX then called to attempt to resolve the issue with First Citizens only to be given an automated recording stating the bank is closed and to call back " during normal business hours ''. XXXX XXXX then attempted to use a XXXX debit card linked to his business account which was also " declined ''. XXXX XXXX attempted to change the amount to $ XXXX {$200.00} both of which were also " declined ''. XXXX XXXX has ample funds in all accounts to far exceed the $ XXXX $ XXXX {$200.00} dollars in which he was attempting to withdraw. Due to this banking business practice ALL of XXXX XXXX 's debit cards tied to this financial institution had been frozen and he was unable to make/use any cards to access his fund. Not only was XXXX XXXX unable to access the {$500.00} he needed/desired but he was also unable to proceed with his trip to his parents due to his accounts being locked and no method in which the customer was able to resolve the issue. This is unacceptable for any banking institution to block a customers access to their own funds. XXXX XXXX has filed a formal complaint with First Citizens bank and will be consulting an attorney to seek legal advice. XXXX XXXX want 's to be very clear that the funds in his account belong to HIM and not the financial institution that he entrust to hold his funds. XXXX XXXX was informed that the ATM withdraw limit was {$500.00} dollars and that the {$3.00} ATM fee ( which is not included in the cash withdrawn ) would put him over the {$500.00} dollar limit allowed. This banking " service fee '' is debited from the customers account and not part of the {$500.00}. SO again, if the cash withdraw limit is {$500.00} dollars then consumers should be allowed to actually withdraw the {$500.00}.
Consumer complaint received 2022-12-27
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. (GA)

When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : 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 

I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.
Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I fell behind due to XXXX. I was on the COVID forbearance and when it was over my lender refused to offer me the XXXX partial claim. They gave me a modification with a trial period of XXXX, XXXX and XXXX. My interest rate when I took the forbearance. I believe the XXXX partial claim would have allowed me to keep my rate. Wells Fargo refused and the modified payment raised my payment from {$2300.00} to {$3000.00}. Wells Fargo stated that my interest rate went up, however again I requested the partial claim and Wells Fargo decided to increase my payment putting me in another hardship. I spoke to Wells Fargo on XX/XX/2022 and I was told there is too many modifications. I question this because XXXX  has a XXXX month period between modifications. They refused to send me prior modifications. Now, Wells Fargo sent me a letter stating they are refusing to even review me. Isn't that a decision for XXXX to decide? I believe Wells Fargo is obstructing me from getting available assistance. I also believe Wells Fargo gave me a modification with an increased payment to " set me up to fail ''. I would like to know why Wells Fargo is not allowing their homeowners to access assistance. Also, I do not believe Wells Fargo is following the CARES act in regard to keeping me informed of assistance. I believe Wells Fargo is pushing me into default.
Consumer complaint received 2023-10-17
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MD)

The Account amount I had with Affirm Inc was paid off on XX/XX/XXXX which I was confirmation I received from Affirm stating that the amount was paid off. And when I disputed this with XXXX since affirm did not update the amount as paid off and its still on my credit report. 

For the dispute I submitted with XXXX, Affirm had replied the information was accurate that theres still a balance.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint personally to resolve a matter related to unauthorized inquiries on my credit report. The data in question is not associated with me, and I request the prompt removal of this fraudulent information.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I went to Macy 's Department Store in XXXX XXXX, FL to pay off my account. I had a bank draft check in the total amount of the statement which was {$5200.00}, dated XX/XX/XXXX, check # XXXX. This is a Macy 's XXXX XXXX card so the check was made out to XXXX XXXXCitibank XXXX The Macy 's clerk swiped my Macy 's credit card to open my account and processed the check. I believed everything to be just fine and paid off. On XX/XX/XXXX I checked my account online and the balance was still showing -- the payment had not been applied. I called the bank and they told me the check was cleared on XX/XX/XXXX. I asked for a copy of the front & back of the check, which they sent to me. I called Macy 's customer service to tell them about the situation and was told I had to put it in writing and fax the documents to them, which I did. I received a letter from Macy 's saying that my complaint was under investigation and it would take 21 days. In the meantime, on XX/XX/XXXX I went back to the Macy 's store that I made the payment to in XXXX XXXX, FL and went to their customer service department. I explained the situation and asked to speak to a XXXX. The " XXXX '', XXXX would not even come talk to me. I asked the Macy 's clerk to give her the copies of the letter and the front & back of the check, which they did. I was told that she would call me as soon as she could. On XX/XX/XXXX I received a letter from Macy 's saying that they do not know who cashed the check but they did not and that their investigation was closed!! They stated that if I wanted further review that I would have to provide them with more information on who cashed the check. How am I supposed to do that? I placed a call again to XXXX, on XX/XX/XXXX and she said that she had not gotten to my paperwork yet. She had not done one thing in 2 weeks! I have called Macy 's customer service over and over again but can not get this resolved. They have cleared my check and did not apply my payment correctly and do not want to do the work to find out why. Or is this just downright fraud? I have no idea what to do and do not want my credit ruined over this. I can not find any phone numbers to call except for Macy 's customer service, which is outsourced to XXXX and is impossible to get an English-speaking person on the line. Most of my calls to them end up with me being placed on hold until the line eventually hangs up. This is complete nonsense! What recourse do I have?
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

On XX/XX/, i received an email that may account in Paypal was permanently limited. I dont know why. I message them, email and call and they say that violate their acceptable use policy. Result of that, i will no longer use their services as they said But on XX/XX/XXXX, i received an email that they confirm my identity based on the proof that i have given and aside from that, my hold balance was lifted and they gave me additional fund. on the email that i received, it says thay they will lift my limited account but still it was not lifted and nothing change