davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Transunion inquiry issue. 
Below is all that is affected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

The Commercial Acceptance Company contacted me on XX/XX/20 at XXXX from ( XXXX ) XXXX regarding a debt I owe to XXXX XXXX XXXX XXXX . They stated my amount of debt and that they would be able to stretch payments 12 months and that they payment each month would be XXXX dollars and some odd cents. I can not afford this amount and so I told the woman on the phone that i had been paying a debt collection agency {$20.00} a month but in around XXXX those payments stopped coming out of my account. She then asked how close i could get to paying the XXXX dollars a month and i said the {$20.00} was working for me and the best i could do. She then asked if i could do {$50.00} and i said no. She then stated she has to report me as a refusal to pay. I said okay and i hung up the phone, but i cant understand how i can be reported as a refusal to pay when i wasnt refusing to pay. I can't afford paying almost {$400.00} a month in health insurance and another {$150.00} a month on top of that to a debt collection agency.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I applied for the Bank of America Cash Rewards Credit Card. I needed to make a big purchase and the promotions appealed to me, specifically the 0 % introductory APR for 15 billing cycles. I visited their website and called to set up the card over the phone, where I was informed ( by both the website and person on the phone ) that the 0 % APR period was indeed for 15 billing cycles. 

Upon receiving my first statement on XX/XX/XXXX I was dismayed to find that my 0 % APR period was only for 12 billing cycles, and ended on XX/XX/XXXX instead of XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and an associate stated that when I applied the promotion was 0 % APR for 12 billing cycles, and that the promotion for 0 % APR for 15 billing cycles began on XX/XX/XXXX ( almost a whole month AFTER it was advertised to me, personally ). 

I was transferred to a Bank of America manager with the applications department, who listened to the recorded call I made to them on XX/XX/XXXX and confirmed that the associate told me the promotion was 0 % APR for 15 billing cycles. He apologized, but stated that they could not change the promotional period in their system. I reached a dead end. 

I believe that this is not the first time that Bank of America has misinformed their credit card applicants, and that it will not be the last unless something is done about it. That is why I am asking the CFPB to investigate Bank if Americas misleading advertisement, so the bank may pay closer attention and not mislead other customers. 

My name is XXXX. Please let me know if you need any additional information from me.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/XXXX, my mother and I visited a XXXX discount furniture for a living room set. We ended up purchasing a set and placing the cost on a installment plan with Wells Fargo. The first bill arrived at my mother house approximately 2 weeks prior to the first due date on XX/XX/XXXX. I, her son, am in charge of her affairs as she is an elderly woman and does not have online access or can keep up with payments. I tried to establish an account online to make the payment on XX/XX/XXXX. The security measures Wells Fargo takes to identify my mother made it impossible to establish an account. One manner was calling her with a numerical code so that I can establish the account online. My mother, being elderly could not understand the Wells Fargo call and we were not able to establish an account online. I called the Bank several times that day to authenticate my mother over the phone and receive a temporary password to establish the account. The representative 's response was that they were unable to establish the account and that my mother an I had to visit a local branch to remedy the issue. My mother and I both live in separate states and finding a local branch ended up being very burdensome. The following weekend on XX/XX/XXXX, we coordinated a visit to the bank, having my elderly travel to NJ in the process. The branch was able to talk to a representative that provided us a temporary password and I established an online account and paid the amount later that day. After all of the running around, Wells Fargo charged us a {$27.00} late fee they did not want to waive. I called several times on XX/XX/XXXX and they made the process of even speaking for my mother difficult, even after she stated over the phone that she allows my privilege to speak in her regard. The late fee is a result of burdensome practices that made it impossible to establish an account online. Given their background, this may be another possible way for them to increase income. I file this complaint to aid others with the same issue and give rise to potentially another scheme Wells Fargo is plotting to raise income.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

On XX/XX/2019 I tried to make a deposit of {$200.00} using the ATM inside the lobby of my PNC bank, but Instead of using my debit card from the bank, I used my credit card by mistake when I put the {$200.00} in the ATM. The ATM took the deposit and gave me a receipt that said transaction can not be processed and kept my {$200.00}. I spoke to the manager XXXX XXXX he told me to have the issuer of the credit card file a payment research request with PNC so they can do an investigation to see what happened to my {$200.00}. I contacted the credit card company and the credit card issuer said they can not find the payment and to have PNC trace the funds. I consider this incident a malfunction of the ATM operated by PNC and feel that they should be able to investigate without need for a request from another company, the ATM receipt shows the time and sequence number, so PNC should be able to verify with video footage that Im telling the truth.. I would like PNC to return my {$200.00} that the ATM should have returned to me since the transaction could not be completed. Please see attachments. Thanks XXXX Pnc bank I used was the one in XXXX XXXX, Ohio
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I applied the Citi XXXX XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX XXXX bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX points. Tried to contact Citi customer servicevia online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.
Consumer complaint received 2020-01-21
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. (TX)

I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM EXPERIAN.COM AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX OK XXXX XX/XX/XXXX XXXX XXXX   XXXX / XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

At approximately XXXX XXXX XXXX on XX/XX/2020, I accessed the TransUnion credit freeze page at : https : //service.transunion.com/dss/login.page to unfreeze my credit score in preparation for taking out a mortgage. 

Upon logging in to the page using my previously established TransUnion account credentials, I was presented with my current credit report status ( frozen ), and options to unfreeze my report. I selected the option to unfreeze my report. 

However, after the process completed, my credit report was unfrozen without ever requiring me to enter the previously setup freeze pin to secure my credit account.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I switched bank, so on XX/XX/XXXX. I logged into my Citi Advantage Credit Card Account to updated my new bank information for Auto Pay ( as I always do ) and my new email address. The Auto Pay didn't go through and I have no recollection my account was two month past due until Citi representative called me on XX/XX/XXXX. Since my account was set up with paperless statement and only to receive email notifications. When I asked why was I not notify by email. The agent claimed I had a wrong email address in my profile. I can vouch and confirm that's a total false answer! When I check into my email. I found promotional emails from Citi Advantage in both month XX/XX/XXXX and XX/XX/XXXX. All emails are still on my rmail server and account. As Citi being a such big and reputable company. WHY WAS I NOT NOTIFY BY EMAIL, PHONE or MAIL SOONER? I could have saved two late fees {$39.00} + {$27.00}. Most importantly I am in the middle of loan processing for purchase a new house, so credit score is extremely crucial and sensitive at this point. I have inform my loan broker about this issue and he believes it's going to make an impact on my credit score and affect my interest rate! I am absolutely dissatisfied, disturbed and disappointed with Citi service and performance. Even know Citi representative waives one of incurring late fee and offers me a one time XXXX mileage points. I have to learn to accepted that my credit score already being damage and not reversible! I'll like to pursue and file a proper complaint about Citi AA Advantage Platinum Credit Card of how they handle their business relationships with their client.
Consumer complaint received 2020-01-21
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. (TX)

There are three accounts that were closed in XXXX and XXXX. I disputed and made a complaint about two of them here, they were updated instead of removed from the credit history. These accounts are paid and closed so why are they still on my credit report. I would also like to stop getting advertising of Experian Boost through email.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, This morning I received a notification on the XXXX XXXX app that XXXX had reported a Hard Credit inquiry by Capital One I havent done business with capital one, and dont have any accounts, loans or credit cards through capital one currently, not have I submitted for any new accounts loans or credit cards through in the past few years Ive called XXXX and theyve put in a fraud alert for me and are notifying the other credit bureaus. I also placed a freeze on XXXX and am working to place a freeze on the others I need assistance in this matter as I dont know what this inquiry is about and am concerned its fraudulent.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm an fanancial hardship, and i am XXXX XXXX XXXX elderly XXXX i have no income from no any agency.i have my credit card i can't continue to make payment i can get help i need cfpb to step in to help me i need a grant money because i can't pay bills since 2 years and 7 month my ssi check is stop i put a claim for reconsideration six time i got denied from ssa.please i need help from anyone who concern in my case.
Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: A-M-S Mortgage Services, Inc. (NJ)

I met XXXX XXXX on XX/XX/19 on XXXX XXXX XXXX XXXX - XXXX 's store I was introduced to him by the owner of said store XXXX. ( said store is out of business ) Mr . 
XXXX made me believe he had an organization with a array group of individuals were he was the owner.He told me that in order to start the house hunting process I needed to pay him {$490.00} cash which I did, he also said to me that he will give me at time of closing {$1000.00} back. on XXXX I received a Pre Approval letter via email from him from a bank that he was affiliated with according to him. Pre Approval letter received from AMS MORTGAGE XXXX XXXX whom I have never met nor spoken to. I was super excited and ready to begin my home buying process Mr. XXXX will send houses via text messages and I asked him to set appointments for some of the properties but he never did, I became concern because he started give me excuses and stop answering my calls and he will only reply via text a month went by and nothing was happening, no houses, no appointments, no calls, I realized he was a scam so I decided to request my money back on XXXX and he kept giving me excuses via text that he will give only {$250.00} because he gave the other {$250.00} to XXXX ( who was the one introducing me to him ) so I said yes I just wanted to recuperate my money or at least  some. I feel I'm not the only one he has done this to. Please help - AMS MORTGAGE and XXXX XXXX is associated with an individual scamming people, misleading. XXXX XXXX should have never provided a pre approval letter to Mr. XXXX furthermore ran my credit without my authorization.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

This is an old insurance deductible amount which was already paid. XXXX XXXX sold to three different collection agencies. XXXX XXXX XXXX, XXXX XXXX XXXX and now M Leonard & Associates. Under CCPA i will file a complaint for XXXX XXXX for sharing my private information while their debt has already been settled.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I contacted all three Credit Bureau ' advising them that Chapter XXXX  bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four  SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Consumer complaint received 2020-01-20
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. (CA)

I refer to the above XXXX  credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX  XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active California IEHP MediCal ( MC ) Insurance Coverage. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-08-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

I told the customer service representative about my current situation, as I had my son XXXX which completely changed our financial situation for the worst. After numerous calls, I talked to one representative who brought me to tears because she hounded me about getting a payment in even though I repeated that I don't have the means. She then told me to ask my parents. Then she asked me did I have any coworkers, friends, or neighbors that would pay off the ENTIRE {$7000.00} balance for me. She told me that people have neighbors and friends who do pay for people 's loans all the time, which is obviously a lie and a tactic to try to get the money by any unethical means. THIS IS HARASSMENT! 

Not only that how can you change a total balance from {$7000.00} to {$2000.00} to help, if I could produce the amount, but because I can't because I don't work to take care of my ill child, you inflate the amount at your leisure? 

This company has completely failed me and many other borrowers with their predatory tactics for borrowing and repayment and it should be illegal! This is a harmful company! 

They say every call may be recorded so I hope they have this one as proof.
Consumer complaint received 2020-01-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS (CA)

Hello, I have been paying a law firm ( D Scott Carruthers ) out of XXXXXXXX CA that told me they were collecting my debt on behalf of the department of education for the past 4 years.  Ive paid them {$300.00} a month, totaling thousands of dollars just to find out they are a fraud, and now the department of education is trying to garnish my wages from work and when I confronted the law firm to send me a breakdown of all of my past payments the representative I usually deal with got very aggressive and mean and told me Im tired of your case anyways XXXX and hung up on me. I know they are fraudulent because I communicated with the department of education and they confirmed the law firm has no association with them. They have been terrible to me, they have threatened me when I dont pay, theyve threatened my family, called my job and embarrassed me. Its been a horrible experience. Please help me make sure this doesnt happen to anyone else and hopefully I can work toward getting my money back from them.