davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 at or about XXXX XXXX, I submitted a CITIBANK " FLEX LOAN '' with the following terms on the " agree and Submit '' page, to wit : Loan Amount {$10000.00}, APR 5.99 %, Monthly payment {$200.00}, Number of Payments 60 - delivered to my XXXX  account. Any reasonable person reading this promotional offer would understand that to be tantamount to a loan payment for a car fixed for 60 months. Upon receipt of the first statement it was noticed that the first payment was {$260.00} adding interest of {$57.00}. When called, Citibank stated that this was not the case but that interest was added each month to the unpaid balance- NOT WHAT WAS REPRESENTED BY CITIBANK NOR WHAT WAS AGREED TO AND SUBMITTED. Citibank had the nerve to inform me that I could ( 1 ) cancel this loan and pay it back or ( 2 ) cancel the loan and go to the higher 23.49 % interest rate immediately. Both options are totally unworkable and may, down the road, force me into a XXXX XXXX situation. I used this so called LOAN to payoff other higher rate credit cards ( which can not be undone ) and thought I was getting a loan with fixed monthly payments rather than a disguised cash advance from a credit card company - have a bunch of those- but chose this approach to get a fixed loan for 60 months not a credit card whose outstanding balance goes down each month with a payment. If this is not Fraudulent Misrepresentation I do not know what would qualify for this type of misleading and predatory offers that do not disclose the interest payment is added to the {$200.00} payment as described herein. I am between a rock and a hard place and I need help.
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (NC)

Hi, I contacted Equifax on XX/XX/2020 in efforts to dispute items on my credit file. Equifax did not respond so I sent a follow-up letter on XXXX/XXXX/2020 letting them know that I requested the Method of Verification and still have not received anything as far as the investigation goes which would prove that these accounts are mine. These items need to be removed from my credit report as per the FCRA regulations.
Consumer complaint received 2022-10-09
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-20
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. (GA)

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-11-19
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

I requested information that was being reported to my credit report on XX/XX/XXXX. XX/XX/XXXX I sent out another letter requesting an update. It is XX/XX/XXXX and i have yet to receive an response on requested information.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

As of XX/XX/XXXX all the way to XX/XX/XXXX there has been credit card action in my name that I did not approve of and have no knowledge of is there any way that your company can help me get my credit back up and dispute all negative action that damage my credit. 
The available credit was {$200.00}, The highest balance {$420.00}, Date account opened XX/XX/XXXX, Date account closed XX/XX/XXXX, There was no action taken by capital one for some reason they could not help me.
Consumer complaint received 2020-11-19
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. (MD)

I have filed an XXXX  affidavit to have inaccurate information removed from my account. The information was reinserted in my file and now they will not allow me to re-dispute. They refuse to open a dispute, telling me it was verified with the creditors but the date of verification is reporting in the past. They will not provide me with the means of verification. I have contacted the creditors and asked for proof that it is mine, a signed application or agreement. They have told me that they are unaware of these accounts and can not provide me with proof. I have relayed this to Experian. i am currently on the phone with Experian and they are refusing to allow me to speak with a manager. I was told one would call me back, I have asked for a call back on my last 3 attempts with no contact. The accounts i am requesting be removed are : Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$2100.00} Status Updated XX/XX/2019 Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$5300.00} Status Updated XX/XX/2019 Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Status Updated XX/XX/2019 2019
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I, the consume and natural person, was denied a car loan by USAA when I applied on

XXXX.XXXXAdverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The Equal Opportunity Act is codified in 15 U.S. Code 1691 ( c ) and is pursuant to civil liability under U.S.C 1692k . USAA is subject to criminal liability for violating 15 U.S. Code 1691 as I have the proof that I was discriminated due to the response I received. I the consumer made the application in good faith, but loan was not issued.

Furthermore, because USAA as access to my social security number, described as a credit card under 15 U.S. Code 1602 ( l ). I received no benefit. This is proof of fraudulent activity ( unauthorized use ) o
n behalf of USAA.

I am the original creditor by means of my social security number. 12 U.S. Code 1431 - Powers and duties of banks, stipulate USAA can ONLY borrow, and is only loaning the funds created from my social security number and signature on file.

If USAA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card ( social security ). I will indeed make USAA criminally liable for all actual damages pursuant to 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( o ).
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

In XXXXXXXX XXXX XXXX, I ordered two XXXX XXXX phones and two lines of service. XXXX XXXX shipped the phones to the wrong address, so I cancelled the order and decided not to get service with XXXX XXXX. XXXX then charged me for a bill that I never owed and sent it to collections when I refused to pay something I don't owe. XXXX XXXX does not have a previous account number for me or any information about because I never had wireless service with them, but they charged me for it anyway. Now, I have a negative mark on my credit report saying that I had owed {$100.00} to XXXX XXXXXXXX XXXX XXXXXXXX as of XX/XX/2022, and the account was closed as of XX/XX/2022. I have repeatedly called XXXX XXXX and the debt collector to fix this issue, and both are refusing. They tell me that I need to call the other company no matter who I call. This illegally charged debt has negatively effected my credit score and I need help getting this corrected as soon as possible, because neither XXXX XXXX nor the debt collector will do anything to fix this. 

Thank you for your time.
Consumer complaint received 2023-04-20
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. (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. Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-07
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2020-11-19
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: Santander Consumer USA Holdings Inc. (MI)

Santander is refusing to remove fraudulently opened account by XXXX  XXXX who is no longer a business. I was able to get the account removed by XXXX  who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX  XXXX  which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a dope of my old car title and submitted it to Santander without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued Santander per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to Santander numerous times they place me on hold and hang up. This is my 2nd complaint
Consumer complaint received 2022-07-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: ALLY FINANCIAL INC. (NJ)

I had an existing CD with Ally Bank that was maturing on XX/XX/2022. I attempted to manage this maturity via the Ally Bank Web Portal numerous times both prior to and post maturity of the CD, but the Ally Bank Web Portal would not save my instructions. I attempted to call Ally Bank at XXXX numerous time during the 10 Calendar Day Grace Period. Wait times were always in excess of 30 minutes and I could not get thru. My objectives was always to renew this CD with Ally Bank for 13 months at a 2 % APR. Instead, I was automatically renewed into a 5 Year CD with an APR of 2.95 %. I finally got thru to a human being at the Ally Bank on Monday XX/XX/XXXX ( after a 25 minute wait ) and was told " that there was absolutely nothing that Ally Bank would do ''. I was put on hold multiple times and asked to speak with a Supervisor. After another XXXX minute wait, I was transferred to XXXX ( XXXX XXXX XXXX ). I was told that my only options were to stay in the 5 year CD or pay an early withdrawal penalty of {$7400.00}. 

It seems like Ally Bank makes it virtually impossible for a Customer to " Manage Their CD '' and then elects to put them into whatever product that best suits Ally Bank I have been a loyal customer of Ally Bank for nearly 13 years. I am incredibly shocked by this treatment and can not believe it is legal
Consumer complaint received 2021-05-07
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)

I have paid my payments on time with XXXX XXXX  XXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have paid my payments on time with XXXX XXXX XXXXXXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.
Consumer complaint received 2022-09-12
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. (NY)

Two months ago, I tried to apply for a pre approval for a mortgage. While XXXX and XXXX produced scores, TransUnion stated I had no credit history. I was rejected for the pre approval and a long battle with TransUnion began. I called TransUnion and asked them to fix the issue. They said I needed to call my banks and lenders as they couldnt see my credit history. I called banks and lenders and they all reported it was being sent to the correct name, birthday and social security number. I then mailed documents to trans union utility bills, social security card, and a drivers license. They needed proof that I was really me. At this time, I had read numerous articles online and learned about mixed reports. So I asked my sister to pull a credit report. This is when we learned that all of my information was listed under her name, mixed with her history. We called TransUnion to dispute her credit history. I called TransUnion to obtain my credit report and they still can not see any information or history under my credit report. I am unable to get a loan for any housing and I am stuck in limbo. I have been calling TransUnion every week, for hours at a time trying to resolve this issue and it has been way more than 30 days now.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WI)

In the past I had been contacted by Pay Pal however I felt it was a scam. I now see that at sometime ago I created a account however none of the phone numbers connected to my account are under my ownership. I have just tried to rest my password however the code will be sent to a number not under my ownership. Any activity I feel is not my fault.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I purchased 5 packages containing 2 face gaiters each from XXXX on XX/XX/2020, order # XXXX. 
XXXX was delivered on XX/XX/2020. 
On XX/XX/2020 I emailed the company to inquire about procedures for returning the merchandise because it did not fit. 
XXXXXXXX XXXX responded with a form to fill out for returns. I filled the form out to return 9 of the 10 face gaiters because per the company, they only accepted unopened returns and I had opened one mask try on. 
I returned the items within the required 15 day window. 
On XX/XX/XXXX I emailed the company to notify them that I had sent back the items several weeks prior and wanted to know when I would receive a refund. 
The company replied on XX/XX/XXXX stating they received my returned merchandise minus the one gaiter I did not include ( because it was opened ). 
The company then refused to issue a refund. 
I emailed the company again on XX/XX/XXXX to find out why they had not refunded me and I did not receive a reply. 
I filed a claim with Bank of America for this charge on XX/XX/2020. 
On XX/XX/2020 I provided Bank of America with a statement letter as requested, along with email correspondence between myself and the merchant, XXXX. In the emails I provided, I included the email where the company admitted to receiving my returned merchandise. 
This claim has remained opened and unresolved for nearly 4 months with Bank of America.