davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and TransUnion Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX  and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
Consumer complaint received 2017-09-29
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: WELLS FARGO & COMPANY (FL)

Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
Consumer complaint received 2017-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (GA)

On XXXX I requested debt validation via a contract from Eastern Account Systems and it is clear that they could not properly validate the debt outside of what they consider statements. Which is NOT what I requested. Because they could not provide the requested contract they stated that they would remove their trade line from my account and cease all collection activities however it is now XXXX and their trade line remains on my credit report. Which is negatively impacting my credit worthiness.
Consumer complaint received 2017-09-30
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: AMERICAN EXPRESS COMPANY (CA)

I received an offer from XXXX that if I opened a gold credit card with them and I spent XXXX XXXX during the first 3 months of account opening, they would give me XXXX in points. I spent the {$2000.00} on the first week of opening the credit card and already paid it off. 
I do understand that points are available once your first statement is generated since thats how all my other credit cards work. 
I opened this credit card approximately on XXXX XXXX and my statement closed on XXXX XXXX so I called and spoke to a representative to ask when I was going to have my points available, and she said I should see them available on the XXXX. Well, today I looked and I never got my points. I called again and now they said that my points were going to be available by XXXX XXXX, I spoke to a supervisor named XXXX and I told her that on the advertisement XXXX sent me to open the credit card they never point out that it would take that long to receive the points it just says after spending XXXX in purchases She said she was going ro file a complaint but there eas nothing she could do ...
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 3 accounts with capital one. Two accounts have my name on them and the third one has my husband and myself as account holders. Because i have one account in the negative they are freezing my husband account .this account has over 3,000 in federal funds fromFema and a court ordered check from my bankruptcy trustee. We were hit by hurricane Harvey and receive damaged. We need to fix our home and do n't have the funds to do so because capital one has frozen our money. The second account that i have on my name is in the positive but was closed by capital one deliberately.
Consumer complaint received 2017-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Acting upon an email flyer to apply for a HELOC or HE Loan from Capital One ( I have a small savings account with them from the days when ING Direct was bought by them ), I applied. It has been almost a year since I had refinanced my XXXX mortgage and HELOC into a single mortgage with XXXX XXXX, and I was seeking to tap some of the equity in house and property appreciation and payments made to cover some upcoming expenses and some minor but needed house maintenance. I live in an area that appreciates well and am not a serial refinancer, so I asked for $ XXXX, which would take me up to what I thought would be 80 % LTV though I was okay with a somewhat smaller number if the appraisal did n't match up with my own research. ( This research said my best value would be $ XXXX. ) I earn $ XXXX per year and have a FICO score in the low-to-mid XXXX, so I thought this would work out to a useful conclusion with minimal closing costs. 

A few weeks ago, Capital One pulled the plus on its entire mortgage unit, but did not inform applicants until weeks later ( though news releases were done contemporaneously ). Just before this action, the appraiser hired by Capital One came out and came up with an appraisal completely at odds with all of my research ( which included a house down the street that sold 6 months ago and a market study provided me a year ago by a friend who is a real estate broker ), as well as the appraisal done at the beginning of this year by XXXX as part of the refinancing mentioned earlier. And, I do n't mean a less than expected result, but a result that was SIGNIFICANTLY less than any of these other data points. I complained, and sent in these other data points, but was told that the shutdown meant that no more appraisals would be done. As of today, they have turned down the loan, even though the mortgage specialist to whom I was talking assured me repeatedly that this would not happen and that all applications already in the pipeline would be fully processed out. 

It is apparent to me now that the appraisal, which is WELL outside the bounds of what could be expected, was engineered to support this result. So, I expect that many - if not all - applicants already in the Capital One pipeline can be denied to go along with the closure of the unit. It already has been very difficult to get ahold of folks at the call center, which I 'm sure is already being disbanded, so there is no point in seeking further relief from Capital One. Hence, I 'm filing this complaint, and trying elsewhere. 

The Mortgage Specialist was XXXX XXXX at XXXXXXXXXXXX and XXXX ext XXXX and fax XXXX. Here NMLS # is XXXX. The Appraiser is XXXX XXXX at XXXX.
Consumer complaint received 2017-09-29
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: BBVA FINANCIAL CORPORATION (FL)

Hello. On XXXX of 2017, I purchased a "Used" XXXX Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options.The sales associate informed me I "have" to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he "knows what he's doing" since it is the "credit process" that will show XXXX approved me.Even when I submitted, the associate did not for once even show me other options (even though I had no desire to) and simply went through with my purchase.A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I went to the Trans Union web site just to get my free credit report. They must switch screens and you continue they ask for a credit card in order to continue. As soon as I realized what they did I found a way to cancel immediately and I wrote them a letter also telling them I was going to report them if they charged my credit card which they did. I try really hard as a senior to avoid the pitfalls that are on the internet, but the manner in which they get you to fill out the information was so totally deceptive. Maybe you could go to their web site and see how they do it. I did not think a financial reporting agency would be so deceptive and underhanded. I have excellent credit and get my score from XXXX and credit monitoring from XXXX and XXXX. I wrote all 3 credit agencies and sent each a check for {$10.00} to freeze my credit because of XXXX. I do not think it is right for anyone to trick you and to something and besides when I realized they tricked me I got in there a found a way to cancel, but they still charged me. I believe there is a law that says you have 3 days to cancel and I did that within the hour. The date was XXXX XXXX th and they charged me {$19.00}. I do n't want this to happen to other people especially seniors. Thank you for you time and consideration.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a lot of movement on my account with deposits and withdrawls. I had unauthorized charges on my account for over {$5000.00} in charges. One claim said since it took me a week to call in that is why they denied it. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't have time to review XXXX to XXXX transactions a day on my account. By their logic I'm supposed to watch my account every single day at every single moment. I pay guest 's, workers via XXXX. I go in, pay and then I continue to work. I do not have enough time to do such a thing. This was done by Bank of America. Lastly, they denied the claims because I didn't do it at the moment. The bank can go back 90 to 120 day 's for a charge. I am not perfect
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Consumer complaint received 2017-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IL)

. Here is the Needed Information. 
XXXX XXXX, XXXX I went to XXXX at XXXX pm as usual for a work day. 
- unauthorized transaction occurred at XXXX and XXXX XXXX western union transfers to the XXXX occurred. These were transaction XXXX for {$980.00} and XXXX for {$990.00}. They were picked up at XXXX and XXXX. 

XXXX XXXX, XXXX around XXXX I woke up from sleep and saw the transactions in the email. I called western union to stop them. They replied it went through and was picked up in XXXX city. They recorded my immediate dispute as # XXXX. They said to file and internet fraud report at 1c3.gov. 
- I filed the fraud report at ic3.gov. 
- I called XXXX XXXX XXXX They said the hackers they to send a third transaction but the card locked up. I sent dispute message to XXXX XXXX. 
- I messengered XXXX XXXX. 
She said she was at work at the pick up time and lives XXXX hours away from XXXX. I had sent her {$50.00} for XXXX XXXX on XXXX XXXX, XXXX - I called Western union and asked for verification who picked up the money. They said they would not release the information. They would not tell me the Ip Address of who access my Western Union Account. This would only be released to the police. 
- XXXX XXXX acknowledged at XXXX am that I spoke to the security via message. 

I have used Western union several times. The most sent in XXXX years was {$200.00} in a single transaction. Only once did I transfer money to the XXXX and that was {$50.00} on XXXX XXXX, XXXX. It not realistic with in past practice of spending that I would send {$2000.00} total in the middle of the night to the XXXX. That should have set off the fraud alerts. I got a call from the XXXX hotline this week about a {$30.00} XXXX bill and not these transactions? It does not make sense. 
Western union does not have XXXX factor authentications, security questions, automatic lockout, ip tracking, unique login name or phone security codes which would have alerted Western union and me that hacking was occurring. My credit card is on file visible to the hackers. All these need is my email which is readily on online. They can use a password cracking software until successful. The XXXX digit id number can be tried at other sites until successful. Western Union does not allow the customer to set a maximum transfer limit to require a phone call if it needs to be exceeded. 

I will be glad to take a lie detection test if necessary. I called all parties immediately in the middle of the night once seeing the transfers. I did not make these transfers and would like my money back. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2023-01-04
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I opened a Barclays AAdvantage Business Card. The promotion advertized 80,000 XXXX XXXX miles with {$2000.00} in purchase. I met the requirement in XXXX and have not yet received the points four months later.

I have contacted the company several times through their secure messaging. As of my last communiction in XXXX they stated it would been another 1-2 months. The terms of the offer say bonus paid in 4-6 weeks and can cometimes take 8-10 weeks. At this point it has been way longer than that and I do not think it is fair to wait another 1-2 months. 

This was my last communiction from them on XX/XX/XXXX : We are sorry to hear that you have not received your bonus miles from your introductory offer. Upon review of your account, we show that you have met the spending requirement of {$2000.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, we have created a rewards case to investigate the missing miles and have the miles adjusted to your account. The case number would be under XXXX. We ask to please allow up to 1 to 2 billing cycles for the case to be investigated and completed. We apologize for the delay of the bonus miles and the inconvenience this has caused.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX V Date of inquiry : XX/XX/year>
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MoneyLion Inc. (FL)

I got my first credit builder partially secured installment Loan from MoneyLion in XXXX of XXXX and was finally able to pay it off in XXXX of XXXX with a approximately a {$400.00} principal payment left. The first loan was a ok process and they offered me what I thought it was a good deal since I was looking to get a positive line of credit to start rebuilding my credit to possibly get it off the ground and a opportunity to save some capital. Moneylion presents itself as a lender that helps clients get ahead with a low risk collateral loan. Moneylion both times loaned me {$1000.00} once in XX/XX/XXXX and {$1000.00} XX/XX/XXXX. Moneylion on the first loan gave me appx {$600.00} of that {$1000.00} in XXXX and I made the payments on time but Moneylion brought in other fees such as Membership fees that were {$20.00} nearly and credit monitoring fee was {$5.00}. MoneyLion also gives out high payday loans as a incentive for tagging on {$20.00} membership fees that you have no idea about until you look at your statement. MoneyLion some weeks was able to get me out of up to {$300.00} because of this obligation that had me going in circles to pay at first. Florida has a cooldown period before you can take any type of high risk funding. This company was really a lender that is waiting borrowers to default while making interest off of me in every way and also selling my personal information to third parties malicious, phishing site that post links on MoneyLions platform its a App that advertise clickbait but is how you make sure the payments actually go through. The system will sometimes unlink the account that you make the auto payments out of and MoneyLion doesnt give you a call to see whats going on with the payment that was scheduled which is unlawful They then report to your credit report negative and of course they then add even more Interest and 5 % late fees on to the principal of your loan. 
Then the third parties have your banking information, and all the information you trusted Moneylions payment platform which they guarantee its secure but I believe they leak your data because you start to get cold calls your phone stating your approved for a loan you know nothing about and 100s of text messages text messages a link, emails with the same. Moneylion is a malicious lender who reports inaccurate information to credit bureaus with inflated balances on installments and false late payments along with in many states illegally charging extreme interest rates, collecting a membership fee monthly almost equal, giving third parties sites access to SSN, Addresses, Banking Accounts numbers etc, forcing customers to sign contracts stating they are signing over all their consumer right and the right to a jury trial before they loan any amount of money.
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MD)

Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.