davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: CITIBANK, N.A. (AL)

I partial disputed twice {$320.00} and shows up on my citi statement on XX/XX/XXXX as XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$640.00}, {$12000.00} XXXX pesos ( exchange rate ). 

On XX/XX/XXXX I paid online and got on email from XXXX  XXXX confirming my hotel reservation, the total reservation amount of {$12000.00} XXXX pesos, and the deposit that I paid the same day, XX/XX/XXXX, which was {$6200.00} XXXX pesos. 

I paid the deposit with my XXXX credit card, transaction date of XX/XX/XXXX XXXX XXXX XXXX in the amount of {$310.00} or {$6200.00} XXXX pesos ( exchange rate ). 

Yes, the merchants name shows up differently on the two credit card statements. 

After my stay at the XXXX XXXX XXXX, I realized they overcharged me because I had already paid half the total amount ( the deposit ), {$6200.00} XXXX pesos, using my XXXX XXXX  XXXX  on XX/XX/XXXX. On XX/XX/XXXX I should have only been charged the remainder of the total reservation amount, {$6200.00} XXXX pesos, {$320.00}. I reached out to the hotel, and they told me it was an error on their part, but they stopped responding to my inquiries shortly after and still are. Therefore, I decided to dispute the charge with Citi immediately. 

Since this was a partial dispute, on XX/XX/XXXX I paid Citi for what I owed, {$6200.00} XXXX pesos, half of {$640.00}. 

Citi denied my dispute twice and again after I sent in a letter explaining more in detail the situation. I disputed this overcharge immediately so Citi would have no excuses when it came to helping me.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (FL)

I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Braviant Holdings, LLC (IN)

We were notified we are in a federal disaster zone ( as of XX/XX/2023 ). I notified this company of the situation and to explore what forbearance or deferment programs they have available. The agent I spoke with informed me they do not have any programs available to assist me- all they can do is DOUBLE my next payment. 

I requested to speak with a supervisor to get clarity on WHY they do not offer a federal disaster zone victim any kind of forbearance ( the answer at this point was obvious - because they are a predatory loan scam company, but that's a different issue ) ... and this is where things got even stranger. After being placed on hold multiple times for several minutes ( the agent was polite but clueless ) she informed me no supervisor was available to assist me ( what a shock! ). 

After insisting to speak with a supervisor, I was informed 'someone would get back to me hopefully in 3 business days ). So after reaching out to this company in an effort to ensure that I do NOT default or miss any payments, to communicate that due to a federal disaster declaration I was attempting to work out something that at least is an arrangement that is suitable for them, not only could they not assist me but refused to put a supervisor on the line with me to provide any explanation whatsoever. 

Well I suppose this is the price people pay doing business with fly-by-night organizations like Balance Credit. If nothing else comes from this, at the very least hopefully others will learn from my horrible experience with them and avoid them like the charlatans that they are.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-05-02
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. (FL)

XXXX and XXXX have already removed this from my credit report. I have spoken directly with XXXX at XXXX XXXX on a recorded line sometime in XXXX and she herself as well as XXXX said that this is in deletion status and would get removed. I still see that Equifax has this as a collection on my credit report and would like to have it removed ASAP.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

Went to a XXXX store on XX/XX/2023. My car needed XXXX XXXXXXXX repairs and as a XXXX XXXX, I dont have that much money. The manager told me to scan a code on a sign in the store. He even helped me apply on his computer. He told me I was approved for {$2700.00}. I told him to do the work. The loan documents werent printed out until the work was done and I was checking out. The interest rate was 178.99 % and the installments were {$440.00} for 12 months. The name of the company is Easy Pay Finance aka as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX. 
There was a 90 day grace period in which the fee was {$40.00}. I had to borrow money to pay this outrageous loan off. I never wouldve allowed the work to be done if I knew the terms of the loan beforehand. I realize I was at fault for not asking to see the documents before the loan was applied. I am having trouble paying the amount of the repair back since I am retired on Social Security and a very small pension. Any help would be appreciated. This total usury of a XXXX XXXX 
The name of the store was XXXX XXXX XXXX XXXX XXXX NJ XXXX The repair was performed on XX/XX/2023 and the amount of the repair was {$2400.00}
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

On XX/XX/23 My cash app account was closed and I had {$5800.00} in my account. I cashed out to my bank account but my bank denied it because there's a {$1000.00} deposit limit. My bank sent the money back to cash app. Since they closed my account the money is stuck in limbo. Cash app refunded me the {$75.00} fee with the subject " missing deposit '' cash app have ignored my calls and closed my case and I've opened the case again. They refuse to give me my money. I have documents from the bank proving the deposit was sent back to cash app
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I went to XXXX XXXX XXXX with a cash to buy my car. I didnt finance with them only to see an inquiry on my account when I get home. 

On XX/XX/2023 I saw this 5 credit inquiries on my account. Am not aware of this credit inquiry because I didnt approve it. I didnt give them any consent to pull my credit. 
Have try to contact all of them, I even contact XXXX. All they told me is not to worry that the inquiry we disappear in one year. They didnt give me a reason why they pull my credit. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I recieved my tax refund of {$16000.00}, on a cashiers check from the XXXX  XXXX XXXX XXXX on the date of XX/XX/2023. At the time i had lost my ID and did not have my own bank account so a close friend of mine offered to cash it with her bank since she has done it before so we went down to Chase Bank to their branch in XXXX CA with the whole check check stub still attached sothe bank teller instructed us to do a third party endorsement ias the owner of the check shoukd write on the back " Pay to the order of " and insert my friends name right after then put my signature right under that and that that would make it a proper third party endorsememt then for my friend to sign it and deposit it into her account so shedid and then we handed it to the teller thenranthecheck immediztely they placed a 30 day hold on it saying the funds would be released after 30 days. We called XXXX  holds department to see what we could do about lifting the hold because i wanted my money before the they told us they needed to verify the check by XX/XX/2023 they did verify the check with XXXX XXXX  XXXX XXXX XXXX ( the issuers of the check ) So theyverified the check and recieved the money but come 30 days laterthey wont release the funds not only that they completely closed my friends account and for them to be released they wanted a number that is tied to my name the cell phone number i had wasametro pcs number on a family plan under my fathers name so i went down to XXXX GOT a brand new phone plan under my name then called XXXX gave them that number and Chase bank wouldn't accept it because in whatever database they run the number through it doesnt come back to the same name thats on the check which is my name i called the phone company they assured me its in my name so then i went with. A XXXX and got a phone withthat company since XXXX would be tied to my credit then it should be under my name i did that and Chase Bank still wont accept it ive even gotten an obama phone withthegovernment and not a single one of the numbers will work me along with my friend whos the owner if the XXXX account and XXXX the owner of the check have called somanytimes i haveeven gone down to the chase bank with XXXX of ID including my state ID and they will not release the funds that they dont do in person verifications anymore that they will onky verify it through the phone ive begged the issuers of the check to recall it but they say they cant do anything because they already funded it to the bank and it would have to be resolved with Chase XXXX dont knowwwhat else to do i XXXX XXXX to get a phone number that chase bank XXXX XXXX every dber ive tried they wont accept it theyre just keeping mY money
Consumer complaint received 2023-05-02
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: CITIBANK, N.A. (CA)

I applied for the card and was given a {$4000.00} credit limit. I have an excellent payment history with them and my credit rating has been consistent. They lowered my credit limit to {$2000.00} only 60 days later?, without offering a valid reason. They also promised me XXXX XXXX XXXX miles and they never gave them to me. I called them several times and spoke to management, they refuse to increase my line back to {$4000.00}. They offered the credit limit and the miles just to lure me to open the account.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WV)

I filed a disputes as over {$1000.00} was stolen from my chime account, I filed a dispute with them and they denied the claim within XXXX hours, I had to re opened the disputes and wait another month for my money and they promised temporary credit will be credited, however they denied the claims right before the credited date, chime has not shown proof that they investigated this matter and did not protect my money, I told them it was very urgent as this money was needed for bills.
Consumer complaint received 2023-05-02
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. (PA)

I am writing this complaint to EQUIFAX. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous time

s. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2023-05-02
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: Resurgent Capital Services L.P. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received a series of emails ( spanning XX/XX/2023 and XX/XX/2023, which I discovered late at night on XX/XX/2023 ) about the opening of a new Bank of America XXXX Banking account and digital debit card in my name, but I did not open this account. The first email asked me to verify my email address, the second stating that the online application is in progress, the third that the application was approved, the fourth was a welcome to online banking, the fifth was to say that the digital debit card is here, the sixth to say that the digital debit card info was recently viewed, the seventh to confirm paperless settings, and the eighth and final email was to say that the digital debit card is ready to use in XXXX XXXX. There was no email confirming that the email address was verified, nor was there any unusual activity in my email account, so I believe that the person committing fraud does not have access to my email account. I forwarded several of the emails to abuse XXXX XXXX
Consumer complaint received 2023-05-02
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. (MS)

There are multiple discrepancies with the account from XXXX XXXX XXXX XXXX XXXX : 1. It is reported by both the original creditor, as well as the debt collection agency ( XXXX ) 2. There is a balance discrepancy. Debt collection agency is showing a balance of {$50.00}, while original creditor is showing {$210.00}.

3. The date opened has a discrepancy as well. On the debt collection agency 's report, it is showing a date of XX/XX/2022 for Transunion, but a date of XX/XX/2022 for XXXX.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I am summiting this complaint for the reason that Nationstar is refusing to review my loan for the Hamp Tier 2. I have tried to work directly with them however they keep adding extra expenses or they do not use my whole income. I am not negative I make enough for an affordable mortgage payment. From {$4500.00} I am make per month Nationstar only use {$3600.00} they are deducting {$900.00} from my income making me deficit. I have explain many times in writing to Nationstar that I do not have any expenses for the reason that all my clients provide all the materials all I do is labor. There is no reason why they need to take {$900.00} from my monthly income. Therefore I am more than sure that Nationstar is using fraudulent and deceptive practices in order to deny my loan for any assistance. Therefore if this continues I will be forced to file a complaint with my Attorney General and report Nationstar to the FTC and FDIC Department.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (IA)

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed a few hard inquiries on my report from Equifax that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. I'm representing myself by myself and I do not involved any third party for this matter. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiries are unverifiable information and must be deleted from out of my credit file. Here is the name of these inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX These items must be removed from my report as soon as possible.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (GA)

Following CFPB complaint # XXXX filed on XX/XX/2023 Experian responded with the following " You are requesting to delete inquiries, employers, and addresses listed from your credit report. Per the FTC Report you provided, three disputed inquiries have been permanently blocked at your request. " Yet, today, XX/XX/2023, all three disputed inquiries are still present on current credit report and not properly deleted violating my rights of 15 USC 1681, Section 602A and 604A.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (AR)

I have contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over XXXX hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX but it's actually XXXX
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2015-10-22
Product: Virtual currency — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.