davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

In XXXX of XXXX a XXXX XXXX card was opened in my name and it was determined that it was fraudulent because they could not verify the identity of the applicant. I contacted XXXX XXXX XXXX XXXX XXXX to remove the account from my credit report and the inquiry in XXXX of XXXX. Initially they informed me that they could not, but eventually they did. What I did not know is that they also sent a fraud alert to all of the credit reporting agencies. So in XXXX of XXXX when I attempted to apply for a XXXX credit card I was denied the ability to apply for credit because XXXX XXXX had sent a fraud alert on my account. XXXX informed me that they could not verify my identity based off of the information from Experian XXXX XXXX XXXX. So in XXXX of XXXX I went to the websites of all the credit card companies XXXX Experian and XXXX and followed the instructions to have the alert removed from my file because it was blocking my ability to access new lines of credit. 

I went online for Experian and mailed a letter for XXXX, but I did not receive any confirmation from any of the companies. Most recently, I had to call back on XX/XX/XXXX because XXXX XXXX XXXX XXXX XXXX informed me that Experian still had a fraud alert on my account that required them to verify my identity before we discussed any account information. 

I check my credit report every week through XXXX XXXX ' XXXX XXXX XXXX which is powered by XXXX  and it did not list a fraud alert notice for XXXX to present date. On XX/XX/XXXX XXXX XXXX informed me that they had to do a security check, which should have only been a soft inquiry. However, it was listed on my credit as a soft and a hard inquiry. I would like the hard inquiry to be removed. I contacted Experian on XX/XX/XXXX and they removed the fraud alert. But I had already previously contacted them in XXXX of XXXX to remove the alert through their online portal, so it already should have been removed. So, the XXXX XXXX soft inquiry should have never occurred since I had already contacted Experian in XXXX to remove the fraud alert. I called again on XX/XX/XXXX to get the XXXX XXXX hard inquiry removed from my report because XXXX XXXX stated it was due to the fact that Experian placed a fraud alert on my credit report. I never authorized a fraud alert to be placed on my account and in XXXX of XXXX I went to www.experian.com and submitted the documentation electronically for the fraud alert to be removed from my account in XXXX of XXXX and XXXX of XXXX. 

Frankly, I want the XXXX XXXX hard inquiry removed from my account because I did not apply for credit with XXXX XXXX. They stated it was a security measure from Experian that I did not authorize on my credit report which all stemmed from fraudulent XXXX XXXX card.
Consumer complaint received 2019-12-16
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. (NJ)

I am writing this due to non-compliance with the company ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-12-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (CA)

To whom this may concern ; I am contacting you in regards to a dispute that is currently being reported inaccurately on my credit report ( XXXX and XXXX ) from collection agency Lockhart Morris & Montgomery.

Lockhart Morris & Montgomery is reporting a unpaid debt ; from XX/XX/2017 to this current date, totaling in the amount of {$5800.00}. 

On approximately XX/XX/2017 ; I received an email from a collection agency, XXXX XXXX XXXX XXXX, Account Supervisor : XXXX XXXX in regards to a settlement offer for {$1000.00}. 
Once paid, the debt would be considered settled in full. 
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX. 
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX. 
On XX/XX/2017 I received a email and receipt confirming the account is fully satisfied, from XXXX XXXX XXXX XXXX Account Supervisor : XXXX XXXX XXXX
Consumer complaint received 2019-12-16
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CT)

On 3 different dates BTC ( bitcoins ) were removed from my account without my doing to 3 different wallet addresses listed below I did not send funds to this address XXXX Nor did I send it to this address XXXX Nor did I send it to this address XXXX The response from Coin base is the following Thank you for contacting Coinbase Support. Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. If you need a quick answer to your question, please visit our Help Center for more information and help. 
This was on XX/XX/2020 Case Number XXXX Case Number XXXX
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

A couple of days before my XX/XX/XXXX, statement generated, I contacted Barclays Card to alert them to SIX identical fraudulent charges from XXXX, each in the amount of {$100.00} that had been made to my account in XXXX. ( On XX/XX/XXXX, 3 fraudulent XXXX charges of {$100.00} each posted. On XX/XX/XXXX, 3 MORE fraudulent XXXX charges of {$100.00} each posted. ) Before I contacted Barclays, but without ever notifying me of any breach, Barclays had already reversed THREE of those six fraudulent charges, but the bank has so far not reversed the THREE REMAINING fraudulent XXXX charges. Throughout the month of XXXX, I made multiple phone calls to Barclays to explain that they needed to reverse ALL SIX of the fraudulent XXXX charges that had been made in XXXX, not just three of them. It was obvious that the customer service representatives I spoke to each time did not have a fluent command of English and seemed to have trouble understanding the issue and lied to me, claiming the matter had been solved. In late XXXX, two different representatives wrongly claimed that the matter had been resolved on XX/XX/XXXX, and claimed that my online account interface was displaying different information as the reason why I was still seeing three fraudulent XXXX charges on my account. As a result, I decided to wait for my XX/XX/XXXX, statement, hoping it would no longer display the amount of the three remaining fraudulent charges from XXXX XXXX. Unfortunately, my XX/XX/XXXX, statement continues to show a balance due that includes the remaining three fraudulent charges from XXXX. The statement also shows that, while Barclays credited back three XXXX charges on XX/XX/XXXX, they also RE-BILLED me for those SAME three fraudulent charges that same day, XX/XX/XXXX, thus cancelling out any credit they may have tried to issue for those last three fraudulent charges. Immediately upon receiving my XX/XX/XXXX statement, I made a payment to cover the single charge of {$170.00} that I made during the most recent billing cycle. As a result, once Barclays refunds the remaining three fraudulent XXXX charges, which amount to {$320.00}, I expect to receive confirmation of a XXXX  balance. Unfortunately, Barclays has refused to take steps to resolve this matter.
Consumer complaint received 2020-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (FL)

On or around XX/XX/XXXX Id purchased a vehicle via Mercedes-Benz Financial and they have been reporting my payments to all three ( 3 ) credit bureaus up until XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). In addition to my complaint, this car was paid in full on or around XX/XX/XXXX via a letter Mercedes-Benz Finance themselves. 

Spoke with a rep at the company and they informed me that they havent been reporting to the bureaus due to this pandemic of the Coronavirus but Im abstruse because prior to this pandemic they still werent reporting anything in regards to this account to the bureaus.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

I write regarding a potential violation of the Credit CARD Act of 2009, in that Citibank appears to have improperly applied my payments above the minimum payment to a lower-interest rate balance transfer ( 0.99 % APR ), rather than to higher-interest rate standard purchases ( currently 9.24 % APR ). 

This began on my XX/XX/XXXX statement and continued on my XX/XX/XXXX statement, as set forth in the attached XX/XX/XXXX letter I sent to Citi. The attached letter contains dates, amounts, and actions requested ( i.e. monetary relief in the form of corrections to interest payments and a balance transfer balance ). I called Citi twice on XXXX XXXX, XXXX and XXXX XXXX, XXXX, and was assured that the problem would be corrected, but it has not been. 

It appears that CFPB has received multiple similar complaints regarding similar issues. See CFPB complaint # XXXX, # XXXX. 

Also, the instructions on Citi 's statements as to where to send complaint letters appear to be incorrect. The instructions provide " write to us at the address for billing inquiries and correspondence shown on the front of your statement, '' and inform that rights to challenge mistakes may be waived if notification in writing is not provided within 60 days. On XX/XX/XXXX, I mailed the letter to that address on the front of the statement, i.e. XXXX XXXX XXXX in XXXX XXXX, SD. However, I called Citi today, and they informed me that the proper address for complaint letters is XXXX. XXXX XXXX in XXXX XXXX, SD, and that they had not received my letter. I asked them if I could email them the letter so that I could notify them today and preserve my rights. Citi said there was no way to email them. Citi did say that they would alert their back office to look for the letter. 

Given Citi 's apparent mistake as to where to address complaint letters, and my efforts to reach out to Citi today and previously, I trust that Citi will not treat my rights as waived. 

Thank you for considering this matter.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Long story short, I keep getting repeat charges for XXXX Restore balance. Everytime Capital One reports it as fraud, the merchant keeps recharging the card. Capital One keeps saying they can not block individaul merchants. This is the 7th time this merchant has been reported as fraud. XXXX  ( XXXX? ) does not have a phone number to report this problem too. This charge is a recurring subscription. I do not use XXXX or XXXX-based products. I keep getting new cards shipped out. I am so frustrated. Please help.
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MN)

My boys are both students and they have Federal loans and private loan with XXXX XXXX, MN Self Loans and Sallie Mae. 
Now, with the Covid-19 situation every institution tries to make payments easier on the borrows. 
The Federal Student Aid announces : all payments will automatically stop from XXXX and the interest won't be added to the principal balance during this time. 
XXXX XXXX ( private loan ) announces : we are not required to make any payments for 3 months during the period of Disaster Forbearance and no interest will be added to the principal balance during this time, and if we were enrolled in auto-pay, which we are, we will continue to receive the auto-pay discount during the Disaster Forbearance. 
MN Office Of Higher Education announces : the interest on payments has been reduced to 0 % from XXXX and also they postpone payments up to 6 months. 
Sallie Mae was the only institution which announces : payments and auto payments will be suspended from XXXX but ... 
we are responsible to still pay the interest during this time ( which is very high ) meaning, interest still be added to the existing balance. 
and one more thing ... '' Any interest rate reduction tied to auto debit payments ( which we have ) may be suspended during a forbearance ... '' This means we still make payments since we don't won't to pay more interest then we already pay, in simple works ... they did nothing!!! for the borrows.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

Over the last two to four weeks, every mailed out credit card application responded to me with false or fraudulent credit score information. For example, a few stated that the information was unverified, another stated too much inquiries, another an entirely different reporting index, another a manually enttered score. My credit score across the board was XXXX at XXXX  XXXX XXXX at XXXX, XXXX XXXX at XXXX. I received a bunch of denial letters stating my " card acquisition risk score '' was XXXX or XXXX. I am being discriminated against and a large fraction of bankers are being investigated as to their role XXXX s ) in a large ponzii schematic.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

During the week of XX/XX/2020 - XX/XX/2020 my checking account with Navy Federal Credit Union was hacked into and {$1600.00} was stolen from me. I tried reporting this information to the Navy Federal Credit Union but they keep telling me after a thorough investigation on our side we have determined that no error has occured. I have even provided them with a police report and a schedule for when I was at work but an associate connected to the investigator from Navy Federal Credit Union has told me that they now need some new information other than what Ive provided them to prove my innocence. I dont know what else to provide them so thats why I am seeking help from you guys.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (AZ)

The service provider, TransferWise - charged my account and has not provided funds. It was a transfer from XXXX  debit card to TransferWise to allocate funds into one banking account. As a consumer, I thought it is easier to manage one account vs. two accounts. In essence, I chose TransferWise to utilize a service called " XXXX Account '' that comes with a Debit MasterCard - to carry my funds as they provided lower rates and extra tools when you use their banking services. 

I transferred over {$2000.00} from my XXXX Debit card ( provided by nbkc ) to my TransferWise, they froze my account after my husband, XXXX XXXX XXXX, transferred money back and fourth to each other. We opened these accounts to make our lives easier and not complicated. I had them for 8-9 months without an issue until this point. 

We are not working because of the COVID situation, and they took everything from us!
Consumer complaint received 2019-12-16
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. (NY)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The account ending in XXXX with Portfolio Recovery was resolved and settled in full back in XXXX/XX/XX/2021. The company stated the account was settled in full and no amount due. It is referenced on their site and when I negotiated the settlement was told the same. I was notified today by XXXX that the same company and account has opened the acct back up for XXXX after it has been settled. This is not ethical or legal when it was closed, you cant open it back up and I am actually getting exhausted dealing with this company and adding amounts back up when its been settled. I need this resolved asap or I will seek to pursue further legal action.
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (VA)

My Brother whom I have power of attorney both personal and estate. Had a bank account with SunTrust. Truist merged with Suntrust around the time of his death. I issued to SunTrust at the time his XXXX XXXX and a copy of both Power of Attorneys. I was also placed as secondary on all his accounts with SunTrust. All the accounts were closed MONTHS after his death and in good standing. I keep receiving notifications of debt from Truist Bank. I have issued over 3 copies of the Power of Attorney Personal and Estate as well as his death certificate and they have conveniently misplaced or lost all the copies. I have told them to quit contacting me or sending me mail to my home address as well. They have not done so and are misbehaving in the collection of a false debt from a deceased person. Upon speaking with them again I asked for the number to their legal department and they purposefully gave me a number for a life alert bracelet sales number instead of the number to legal. I am as well not listed as a joint account holder on the account in question either which was done 1 year before his death.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (MA)

XX/XX/year> Prosper Card Services in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy and also 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Upon researching my credit report I have late payments not only reported but false. Included with these late reports are a decline in balance with many future payments scheduled with this company.