davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (AZ)

Good day, I wanted to surprise my husband with a new aquarium at a total cost of {$360.00} on XX/XX/XXXX. I have been approved with XXXX XXXX XXXX XXXX for {$1700.00}. 

I was appalled at the interest rate. The APR rate on the {$360.00} was 188 %. After figuring the interest for one ( 1 ) year it came to a total of {$550.00}. I truly believe this company called XXXX XXXX XXXX needs to be investigated as they take people with good, bad, and those trying to establish credit to the cleaners. I do have decent credit. 

I did not sign any contract with them. 

The company is nothing more than legal loan sharks. I also believe they need to be put out of business due to the overly high interest rates. The interest rates this company charges is not in any competitive field with banks etc. 

From the reviews I have read on the Better Business Bureau website, they have no intentions on being honorable with their customers. 

The business address for XXXX XXXX XXXX is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Thank You, XXXX XXXX
Consumer complaint received 2021-02-25
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. (IL)

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XX/XX/XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have tried to dispute these items on my report and have not been updated at all. I have mailed letters and tried to dispute them online with no help from the bureaus. Can you please make them look into the issue in my report. I have provide my ID, Social and light bill.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (IL)

On XXXX XXXX at XXXX a check from SBA was deposited into my account with Suntrust Bank in the amount of {$9000.00} Suntrust immediately closed the account and placed the funds on hold. I contacted Suntrust customer service on XX/XX/XXXX at XXXX, Suntrust said I needed to provide documentation proving the check was mine I told them to send the check back to SBA which they never did. On XX/XX/XXXX at XXXX I was contacted through email by SBA to apply for a targeted eidl advance which is then I found out the check was never returned. At XXXX on XXXX XXXX I contacted Suntrust bank about the funds they said I needed to walk in a branch to verify my identity. Since there is no Suntrust in illinois I drove 9 hours to Arkansas to a branch, once there I presented my driver 's license, business license, a letter that was emailed to me by SBA stating the funds was approved as well as showed what day and time the funds were deposited. The documents were submitted to Suntrust internal office they still will not release my funds as of today claiming I didn't provide enough documentation showing were the check came from
Consumer complaint received 2021-02-25
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. (VA)

I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXXXXXX  claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold it.
Consumer complaint received 2020-10-10
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: AR Resources, Inc. (MO)

I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.
Consumer complaint received 2020-10-10
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: Consumer Adjustment Company Incorporated (MO)

I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.
Consumer complaint received 2020-10-10
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: ERC (MO)

I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I used my card to attempt a cash advance on XX/XX/XXXX, the three amounts were XXXX, XXXX, and XXXX. All three were denied at the POS but the funds were deducted from my account. The manager on duty gave me the batch report to send in so that i could show that no cash was approved for payout and that I received nothing for the attempted transactions. I filed the dispute that evening when i got home, faxed the dispute in that same evening also to make sure that the company had it before the 10 day time frame. They received the fax XX/XX/XXXX and I recieved the letter in the mail dated XX/XX/XXXX on XX/XX/XXXX and which time, just to be certain, i faxed the information in again. It clearly states on their dispute resolution form that if recieved within 10 days of the initial call provisional credit will be applied on the 10th business day. The 10th business day was XX/XX/XXXX. There was no provisional credit applied to the account and i spent over 6 hours on the phone being transferred to 8 different people. I was told that they never recieved my documents buy one rep, told that they make the decision if a credit is given by another, that i had to wait until the 13th business day by another, that my dispute has not been worked yet but another, and when I requested to speak to someone in management I was met with resistance and told they would tell me the same thing. I followed all the steps in Regulation E, however this company has  and is not. They are making up when and how they apply the rule, and each time its a different story with someting different. I gave them them the documentation from the business showing that no money was given to me and that they did indeed remove it from my card, and now they are violating the law and still withholding it. That is theft.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

I made two disputes on charges made by my XXXX, XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. 

XX/XX/2021. Marchant charged {$38.00}, which includes {$28.00} XXXX service covered by my XXXX XXXX  plan XX/XX/2021. Marchant charged {$280.00} while XXXX approved {$230.00} as my copayment amount. 

I have submitted documents to prove these two overcharges to CitiBank N.A., but they made multiple mistakes, and now ended up charging me more than the original amount. 

Transaction on XX/XX/2021. Citi first gave me a conditional credit of {$28.00}, and later reversed the entire amount, so I still pay the merchant {$38.00}. 

Transaction on XX/XX/2021. Citi mistakenly charged me {$230.00} on top of the existing amount. So, I now have to pay {$510.00}. 

I contacted Citi Contact Center three times by phone ( XXXX ) on XXXX XXXX, XX/XX/XXXX and XXXX XXXX, and also contacted their representatives using their chat service on XXXX XXXX. They have failed to resolve the issues. 

Thank you for your attention. I have attached the following four documents.

1 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that I do not owe the merchant {$0.00}. The merchant later gave me a breakdown of {$38.00} ( {$28.00} for XXXX and {$10.00} for XXXX ). 
2 ) XXXX Coverage Info, which indicates that XXXX is covered under my insurance 3 ) Explanation of Benefit provided by XXXX on the service on XX/XX/2021. It indicates that my copayment is {$230.00} instead of {$280.00}. 
4 ) A list of related transactions in the Citi statements
Consumer complaint received 2021-02-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (TX)

money market account at bmo they took money in so easily ( XXXX deposit ) but refused on numerous instances to return it other than me scheduling XXXX auto transfers back to my bank every week ( 4x per month tops ). it has taken me a while to get funds out. on top of that, they do not answer calls. when they do, they diconnect after an hour+ on the phone. they suspend accounts and disallow logins for no reason ( very frequent ). 

as a bank executive myself, i have never seen a bank with this much disregard and neglect for its processes and customers. i have made XXXX in total interest, and that is so immaterial for me in the grand scheme of things. what i would like to see is this bank held responsible for its actions. 

i have spent over 12 hours on BMO on trivial issues - deliberately caused by their own failures. most recently my account was suspended from me logging in, all while they continued to charge {$36.00} NSF fees because they would not allow me to stop my auto transfer cadence. 

a rep finally told me over the phone that he would stop the transfers and restore my access. that did not happen and the fees continued to mount. 

overall, this bank is non responsive, neglectful/complete disregard for consumers and their scarce time ( defeats the purpose of online banking and self service ) still in disbelief - i would like to see fast resolve. i am available for a phone call - happy to walk anyone through this agonizing process
Consumer complaint received 2021-02-25
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-14
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. (NV)

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken (FL)

No disclosure of vital information : I signed up for a cryptocurrency trading account at the XXXX XXXX ( Payward Ventures Inc ). Certain information was not disclosed during that process that should have been. Had it been I would not have signed up. 

Specifically that XXXX XXXX XXXX are put on hold for 3 days before you can access those funds. And that additional verification may be required before trading can proceed. 

My funds were placed on hold. It took XXXX XXXX 4 days to respond to my emails and once they did I was told the funds could still not be released until I provided additional photo of my self. This should all have been disclosed up front during the onboarding process not after I had funded this account. 

Because of this I lost the opportunity to trade for the asset I wanted as the price increased. 

I requested that my funds be returned to me and received no response from the company that they would do so. My {$5000.00} deposit is still under their control. There is no direct Customer Service only email. I can only hope that they return my money. 

The support is terrible. Not the way to conduct business when money is involved. Three to four days to respond to a support inquiry would I think be considered a violation in the banking industry. Since these exchanges deal in XXXX currency standards which Banks must adhere to should be required for these exchanges also.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (IL)

I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX   RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level
Consumer complaint received 2020-10-10
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. (CA)

Multiple fraudulent accounts have appeared on my XXXX XXXX and Equifax account. 

XXXX  XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted transunion regarding illegitimate inquiries that are appearing on my file due to their error. I spoke to a representative and rather him assisting me and listening to my concern regarding their error and placed inquiries on my credit report that was previously removed by a them. I want them removed immediately because 1. They didnt follow proper protocol when placing them back on my report. They didnt even try to assist. The inquiries are ridiculous because its no way possible for this is correct. 

1XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX, XXXX 3.XXXX XXXXXXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXXXX/XX/XXXX 7.XXXX  XX/XX/XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.XX/XX/XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXXXX/XX/XXXX XX/XX/XXXX 14.XXXX XX/XX/XXXX