davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.
Consumer complaint received 2020-05-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (CA)

I walked into XXXX Honda on XX/XX/2020 with a approved loan with XXXX XXXX in the amount of {$50000.00}. When I sat to make the purchase I explained I didnt want my credit ran with no other company. I was assured by XXXX XXXX ( sales rep ) it would only be ran with XXXX and XXXX XXXX. Three days later I went online to check on my report to see XXXX XXXX and two days after that Honda America had ran my credit. I have a freeze so these companies would need to have me call in so that verification can be done for the credit report request. When I was contacted I denied the call although I still received the inquiries. I contacted these two banks only to be referred to the finance department of XXXX Honda XXXX so that they can submit the removal request. The manager said to me it wouldnt hurt and not to worry because my score would go back up in days and he apologize for sharing the information beyond my initial request. I was taken advantage of by this company then pushed aside because the deal was made. Even after finalizing the deal with XXXX XXXX another request for my report was made.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Got a return payment from a company because the original card form of payment I used wasnt available any more when I went to the back the teller discriminated against me and didnt want to give me my money when I called the bank they said my money was available and there was no issue they said it was the teller discretion then they called me a couple days later to close my account
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/20 I tried accessing my account with Coinbase and could not. I created a ticket with them the same day. 
It is now XX/XX/20 and I have not been given access to my account..
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I became XXXX from an XXXX in XXXX of XXXX and had to obtain several in-home XXXX for XXXX  months. My XXXX  and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.
Consumer complaint received 2020-01-13
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: Experian Information Solutions Inc. (FL)

I went on FTC.gov to get my free credit report and from there, I went to Experian.com. This all took place recently, on XX/XX/2020. I am with 3 credit companies yet only one is showing. Only my XXXX account is showing when I am also with the XXXX XXXX XXXX XXXX and XXXX XXXX. Please let me know what information I can provide to help identify my account so we can get this problem resolved. Thank you.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

Good day, I have a problem with Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX, which sponsors the store credit card for XXXX. I used this care for a year or so and things went fairly well until they started charging me exorbitant fees for late payment ( 1 day late! ) and other made up infringements. I called several times to complain and was treated very unsympathetically. I therefore resolved to pay off all balances and just keep the card, since I had been told that if I closed the account, it would adversely affect my credit. That was more than 3 years ago. 

Now the bank has sent me a letter which appears threatening to me. It reads in part : " You may not realize it, but your XXXX Credit Card account hasnt been used in 39 months Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I am fine with the first part. It is the second part that makes me feel threatened. I do not need my credit score to be adversely affected right now. How can I have this credit card which I no longer have a desire to use, closed, without my credit score being lowered by the action? 

Thanks for you help and advice.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (MN)

I have been contacted about a debt that was originally from XX/XX/XXXX. The original debt was from XXXX XXXX for {$1700.00}. The debt then was renewed for an additional 10 years on XX/XX/XXXX by XXXX XXXX XXXX and now the debt is being represented by Gurstel Law Firm and they are trying to extend it another 10 years and has sent me a letter on XX/XX/XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (LA)

I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on my credit report. BUT, one account XXXX thru XXXX XXXX XXXX, CEO, SOLD my account to LVNV, LLC. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My XXXX balance was reported to the Management of XXXX, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But XXXX did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with LVNV my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX XXXX. It was thru XXXX XXXX. XXXX may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru XXXX XXXX. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, XXXX XXXX
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I went to ATM machine located at XXXX XXXX XXXX in XXXX, WA XXXX. The ATM is owned by a company called XXXX XXXX XXXX XXXX. I attempted to withdraw {$500.00} but was declined so I never received the funds even though I had the funds in my account. However, US bank took out the money out of my account ( my customer ID number is XXXX ) even though I never received the money. Their number is XXXX. 

On XX/XX/XXXX, I contacted XXXX and spoke with supervisor XXXX XXXX. His number is XXXX, ext XXXX. He said US bank declined the transaction ( XXXX XXXX ). We have a 3- way telephone conference with supervisor XXXX XXXX US bank. She claimed the money was authorized and they dispersed the money to XXXX. She gave me their authorization number of XXXX. 

In XX/XX/XXXX, I forward the US bank statement to XXXX showing the funds was taken out of my account and was told to file a dispute with US bank, which I did. On XX/XX/XXXX, US bank issued a provisional credit of {$500.00} back into my account. However, they took it out again on XX/XX/XXXX. 

I called US bank. I forgot who I spoke to but she was very rude. She said I lost the dispute. I requested several times that they send me documentation showing they dispersed the funds to XXXX so I can file a complaint. But, I have never received anything to date. 

I have been going back and forth between both agencies and this has been a very frustrating process. I have suffered financially because of this. I believe that the fault lies with US bank who has been extremely difficult to deal with. XXXX has been helpful in trying to resolve this, but they can not issue me a refund since they never gave me the funds. ( See attached email ) Please look into this matter. I am attaching the bank statements from XXXX to XX/XX/XXXX ( XX/XX/XXXX : {$500.00} was taken out of my account ; XX/XX/XXXX : a provisional credit was issued ; XX/XX/XXXX : it was taken back out ).
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (FL)

The mortgage company NVR, involved in the financing of the home I'm having built, has informed me that my credit report shows I have paid off an existing loan. Which has caused my credit rating to drop from XXXX to XXXX. I find this unexceptionable. This has increased my down payment on the new home.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnson Mark LLC (OR)

On XXXX XXXX, & XXXX of 2018 Approximately {$6000.00} of charges were made fraudulently on my XXXX XXXX XXXX card. Those charges were made in XXXX XXXX, CA. 
At that time I was in North Carolina and have bank statements and flight tickets to prove it. XXXX XXXX has denied 3 fraud claim attempts and refuses to restore my account. My credit has been absolutely devastated in the meantime. I followed all of their fraud guideline requests including : Providing current bank statements, Providing a digital scan of the front and back of my driver 's liscense Providing social security card They will not listen and refuse to address the fraud!
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Citi Bank failed to link the correct account to my auto bill pay, thus the payment was returned and attempted to be made again, multiple times. I spent hours on the phone with Citi, correcting this issue. I was even credited fees back due to this being an error on their end. However, I just received notification that they have slashed my limit in half, due to returned payments, that were their fault. I have never missed a payment, the error was ONLY on Citi Bank and their completely incompetent customer service agents.
Consumer complaint received 2020-03-03
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)

I have accounts on my Equifax credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to Equifax numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2.  XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX which is now called XXXX XXXX  Also i have attached the police report below XXXX  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX 3.  XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.
Consumer complaint received 2020-05-03
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. (VA)

This account was closed in XX/XX/2017 by XXXX XXXX XXXX. So my questions is how can account that is closed be reporting 30 days late. I have submitted a copy of the payment history.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2023 I applied and was approved for a Chase Wepay merchant account for my business to accept credit cards. 

I provided the with all the legitimate documents needed. I also ordered the credit card processing hardware. 

I used the service a several times by sending a link for my customers to pay XX/XX/XXXX for {$1500.00} ( Down payment for painting job ) XX/XX/XXXX for {$550.00} ( Garbage disposal installation ) XX/XX/XXXX {$3900.00} ( House painting project ) XX/XX/XXXX {$80.00} ( IT device installation ) XX/XX/XXXX {$2400.00} ( Bathroom remodel partial payment ) All of these transactions we complete via a link which allows my customers to pay through chase Wepay. 

After the transaction on {$2400.00} on XX/XX/XXXX I received an email on XX/XX/XXXX stating they closed my account " Because my account is susceptible to a high chargeback or dispute rate '' This account was opened for 90 days and all the transactions where legitimate transactions for the purpose of the business intended. Also all required documents when where provided prior to them approving the merchant account. 

Also I have not had any chargebacks or issues with this " new '' account. 

There was no reason for this account to be closed.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I called Citi on XX/XX/2020 for my Premiere Card, considering to close it. The Rep persuaded me to switch to Reward Card, and I can transfer my approximate XXXX points to the new card. 

I told the Rep that I would to use the points to book a flight very soon, and I can use the 25 % extra travel bonus for purchasing the flight, I want to make sure that I do not lose it by transferring it. I emphasized it that I do not want to lose it, so the Rep put me on hold to double check it, coming back to reassure me that as long as I use it in 14 days, the 25 % travel bonus will still apply. With that promise to me, she switched it using the same credit card account number. 

On XX/XX/2020, I wanted to book the flight, I was surprised to find that I lost the 25 % travel bonus by switching it. I started calling/live chat Citi, every time I called them, I had to repeat the same story, and then being transferred here and there. I started faxing Citi letters and proofs. I told them that the phone conversation was recorded on XX/XX/20 ' ( XXXX XXXX  PST for 41 minutes ), the Rep misled me, I wanted Citi to fix it. 

I may lose more or all benefit with time restriction, and I need to book the flight now, I asked if they can call/email/fax me their responses, but they only sent me letters, which usually took a week. They would not even faxed me the letter before mailing out. 
Per their request, I had recently faxed them the Premiere Card 's Directory of Service to show the 25 % travel bonus and a statement with my name on it. I got the response today basically saying that nothing was wrong, if I still have the dispute, call them! 

So more than a month had passed, I still could not resolve the dispute. I started wondering if Citi wants to delay it until I lose all points? If I exceed the time restriction not using the points, I could forfeit all points. Citi never mentioned the recorded phone conversation in their response to me, even if I asked them to listen to it more than once ; so, the recording is only used it in their favor? when it is not, then just ignore it?
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX an inquiry from XXXX XXXX appeared on my report. I did not authorize this inquiry. I reached out to XXXX XXXX and they advised an application was submitted over the phone. I requested the application be cancelled. I requested XXXX Transunion and XXXX  remove the hard inquiry.