davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to buy my wife a necklace at XXXX XXXX XXXX  today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 71XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX 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 2020-05-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Utah System of Higher Education (UT)

I brought my loans to an active status and it was suggested by UHEAA that I consider consolidating my loans. I elected to do so. In 2018 I consolidated my loans with XXXX as it was a " sister '' company wit UHEAA and located here in Utah, locally. I recently had my credit report pulled to prep to purchase a new home. There is a report on my credit dated in 2018 just before I consolidated my loans, causing my credit score to have a pretty substantial hit. I contacted XXXX to figure out what it was. They informed me that it was a hit from UHEAA, who I contacted immediately. UHEAA stated that as the account was closed and paid, as part of the consolidation, which they recommended, that they " could not do anything about the hit '' on my credit report. I plead my case, stating that I did everything they asked, got my accounts current, consolidated on their suggestion, and they are still dinging me on my credit. This hit, which was done while I was consolidating, and I would not have been able to consolidate if there was any delinquency on my account, is preventing me from securing a much better financial situation to purchase a new home. 

Again, I plead my case to UHEAA, who repeatedly stated there was nothing they can do. This does not make sense as they are the entity who applied the hit. Again, I did everything as they asked and complied with their programs. I need this hit removed so that I can continue to move forward in providing for my family.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

Discover Financial Services failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Consumer complaint received 2020-03-29
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. (CA)

in XX/XX/XXXX my house was broken into. i filed a police report then and i contacted the bureaus that someone was using my personal information to open up fraudulent accounts in my name. A person by the name of XXXX XXXX open up a credit card XXXX for the amount of {$8200.00} dollars i reported this to the police in XX/XX/XXXX and this problem has continued as of today. XX/XX/XXXX i have sent the bureaus certified police reports to support my request and they still have done anything in regards to me being a victim of Identity theft.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

This is a twofold problem with Macy 's Credit Card, XXXX having to do with an incomplete refund of a returned item and the other, also an incomplete refund of a returned item has to do with their Rewards program, which they call " Macy 's Money. '' The initial complaint has to do with my purchase of a dress on XX/XX/2022 for which I paid {$41.00}. Within a few days this same item was reduced to {$23.00}. When I attempted to get a price adjustment, I was told that because it was the XXXX day, I could not receive a price adjustment. 

I proceeded to return the item at {$41.00} and purchased the same item at {$23.00}, but Macy 's ONLY CREDITED {$23.00}, instead of the {$41.00} which I INITIALLY PAID TO PURCHASE THIS ITEM. Macy 's is enriching themselves by {$17.00} and their online credit card system does NOT allow consumers to dispute charges, which is discriminatory behavior against consumers. 

The other issue has to do with their rewards program, wherein Macy 's gives " Macy 's Dollars '' to their consumers to encourage them ( bait ) into buying more merchandise, but if you return the merchandise, they take away the {$10.00} " Macy 's Rewards '' even if your purchase did NOT total {$10.00} but may have totaled {$200.00}. This is a BAIT and SWITCH tactic, wherein they reel you in to spend your money, and entice you with a Macy 's Dollars, and they then take them away. I have an emailed chat conversation, which was very unpleasant, and the manager disconnected the chat without even advising the consumer she was doing so and REFUSED to reimburse the {$10.00} which they kept when I returned Macy 's merchandise. Whatever this practice is, please look into it, as I have had at least an additional {$30.00} of so-called Macy 's Dollars taken away once they are given. If you need a copy of that unpleasant chat, I have it.

I hope your intervention looks into these shady, bait and switch practices that Macy 's applies to their customers and also look into their credit card online services which do not allow consumers to dispute items, i.e. like the initial one noted at the beginning of my email. 

Thanking you in advance. 

XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I wish to complain about Coinbase Inc. I was a victim of scam fraud by bsxstar.com through Coinbase Inc for the amount of XXXX. When i new that i was scammed i immediately contacted Coinbase Inc and was told that there nothing could be done about my problem. I believe that this response in unfair especially for the amount of money that is involved. I suffered from XXXX from this situation until now because i have been waiting for their response but it has been months of settling from them but they refused and closed my case. I am so hopeless and I have decided to bring up my case in your institution hoping you could help me. I was ready to take my life because i have been refused to be helped by the Authorities and by Bank companies and especially the Coinbase company but i believe that there is still hope for me. 

I look forward to hearing from you. Thank you so much. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX XXXX I opened a Relationship Checking XXXX and online saving account XXXX online at BMO.com. Part of the reason for opening the account was an advertisement on BMO website showing a {$600.00} bonus if a Relationship Checking account was opened and {$7500.00} in qualifying direct deposits were made within the first 120 days. 

Starting in XXXX I changed my work direct deposit to go to my BMO relationship Checking account and over {$10000.00} was deposited that month. 

Last month I contacted the bank asking what happened to my bonus and was told that they did not see a bonus on the account. On XX/XX/XXXX I went to the bank and spoke to a agent who told me that I needed to have a code on the account to receive the bonus. 

I feel this deceptive advertisement and request {$600.00} be deposited in my account.
Consumer complaint received 2020-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from XXXX Transunion and XXXX. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, XXXX, Agent # XXXX, from Capital One Credit Card Fraud Department refused to contact XXXX XXXX to ensure my XX/XX/2020 payment of {$640.00} had successfully posted / processed on XX/XX/2020. Therefore, when I inquired about the refusal, she quoted company policy, and continued to imply Capital One no allowed representatives to verify payments from the originating Bank. 

Ironically, regarding this same topic, on XX/XX/2020, CFPB Compliant # XXXX, was submitted, a Capital One Manger performed due diligence by contacting XXXX XXXX, and verified successful processed / posted. Therefore, CFPB closed the compliant once Capital One submitted an untruthful response. Bottomline, I have submitted several payments, which has taken Capital Once days and sometimes weeks to post the current data, which has also resulted in false reporting on my credit report. Furthermore, I have requested for the representatives to contact XXXX XXXX and Department of Treasury, to confirm these payments were successfully collected, however placed on hold after successful processing / posting. As a project manager, I can recognize / determine when a company, such as Capital One, displays ethical or unethical habits by the way of their float, meaning money is processed. Therefore, Capital One has unethical practices. Therefore, I sincerely beg of you, CFPB to truly investigate Capital One Credit Card.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in XXXX.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TN)

1.I have never had an account with this company XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX  the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

On XXXX XXXX  I paid {$2700.00} to my account for my loans on EdFinancial. The company didnt record my payment after 2 days when I checked my payment history, the payment I made was gone, my accounts balance hadnt changed and the interest kept accumulating. Also, I have some proofs about this issue. I had contacted them many times but still didnt get a call back while they said they would in their system phone call.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

Over the past year, I have been receiving sign-in attempt notices, alerting me to the fact that the app was not secure. On XX/XX/XXXX, I received a text and a phone call from someone saying that I need to send information to verify my Venmo account. The text looked fraudulent so I try to log into my Venmo account. 

As I was calling Venmo, I received another message from them stating that I requested XXXX dollars from another Venmo user. On the account, the Venmo agent alerted me to the fact that someone added another bank account on my Venmo ( not my XXXX  XXXX XXXX account that has been on my account for several years and the person who requested the funds posted it on that account. The Venmo agent told me they would investigate but they would need to block my account in order to investigate and prevent further fraudulent charges. 

Today XXXX, Venmo sent an email stating that I must email the XXXX dollars, though it is obvious that it was not deposited into an account with my name. I am trying to gather the evidence that I sent to them but since they have blocked my account, and I switched phones, they now have all my evidence.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

On XX/XX/19 and XX/XX/19 I called Grant Mercantile Agency to obtain a statement of what was owed and what has been paid. I have two seperate accounts niether of which they can explain why I'm overpaying on.they do not send reciepts of payments. They did send me a letter that the account was paid in full with no amount on it. I I feel they are overcharging me. 3 different employees stated " they do not do that '' they can verbally tell me what I paid but can not send me a written statement to match my bank statements. I asked for the supervisor and she placed me on hold came back less then a minute and said the supervisor said she can not send a statement they do not have the system for that. This is not right, it seems very shady to me.