davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

Unauthorized transactions on my cash app card. I had two weeks wages taken from my card around {$400.00}. At least 13 transactions came from a XXXX  in New York. In all I had 16 unauthorized transactions that drained my card. The dates that this happened ranged from XX/XX/2021 to XX/XX/2021. First I called the merchants. They said I need to call Cash app. I called Cash app reported all the unauthorized transactions and they said sure you might get your money back in 45 days. I also filed a police report with my local sheriff 's office they said because these transactions were in New York they couldn't do anything about it.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (AZ)

Repeated phone calls from several numbers claiming to be from National Enterprise Systems. I have no debts with anyone - I have not received any written notification about any debts owed. I have tried calling back and get automated voice messages and can not resolve any matters. 

I have blocked at least 3 different numbers from this company and they continue to call.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Tran Union have not removed XXXXXXXX XXXX XXXX account from my credit report after i sended the account pay history showing the first miss payment was in XXXX, past the 7 year since the first missed payment. XXXX XXXX XXXX have charge this account off in XXXX, but still showing this account is opened on my credit file with is hurting my credit and Tran Union say the company have to change it not them account number ending XXXX
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (CA)

I purchased my leased Hyundai and have yet to receive my title after 60 days. 

XX/XX/2021 - buyout payment and odometer statement sent via XXXX. The check was cashed on XX/XX/2021. 

After several calls with HMF, I was advised to re-send the odometer statement because they did not have a record of receiving it. I faxed it to HMF on XX/XX/2021 and again on XX/XX/2021. Both faxes were successfully transmitted. 

XX/XX/2021 - called HMF and they claimed the odometer statement has not been received and I was advised to email a copy to XXXX, which I did the same day. 

XX/XX/2021 - the Titles Department advised that they did not handle title release and forwarded my odometer statement to XXXX. 

XX/XX/2021 - called HMF, no title release and no movement on the account. 

XX/XX/2021 - called HMF, escalated to manager who confirmed odometer statement had been received in XXXX and asked to give them another week. 

XX/XX/2021 - called HMF, no title release and no movement on the account.
Consumer complaint received 2020-05-07
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

This is a follow up to my complaint # XXXX that you closed. This complaint was not resolved and was closed. TD sent the attached response on your website. They stated they sent the consumer a letter. They never did. I read it on your website. Limited information was provided by TD Bank as to my complaint. The signed letter from XXXX XXXX, VP of Global Security & Investigations does not have and address or phone number on it. No contact information to follow up the investigation as to where my money is. The letter also noted a XXXX XXXX, Sr. Investigator was working on this. Again, no phone number or contact information. TD and XXXX XXXX seem to be keeping me out of the correspondence loop intentionally. I need answers from TD Bank. I want to know if they received the Hold Harmless/Indemnification form from XXXX XXXX as requested. I want to know why this was needed and what does this have to do in relation to my account. Is this to reverse funds back to my XXXX XXXX checking account from their customers fraudulent account?
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Unfair reporting of credit scores by including scores that have been paid off as not paid off. Student loans included in score, however the loans were paid off when President Obama paid off student loans for XXXX recipients. Car loan charged off and car resold they are reporting it as full amount owed and still open. When capital one got a hold of my credit information through applying for a Walmart store card. They are using unfair practices to keep me from getting approval of any credit. Reflecting low scores on my credit report because of their dishonest practices.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
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: CITIBANK, N.A. (PA)

In or around XX/XX/2019 a complaint was filed with the CFPB ( Complaint ID XXXX ) against CitiBank d/b/a CitiCards for a lost payment and failure and refusal to issue a credit for the lost payment or to send a check for the lost amount. CitiBank responded to the complaint with inaccurate information and the lost payment remains lost due to the refusal by CitiBank and XXXX XXXX  and its payment processor, XXXX, and another processor, XXXX, d/b/a XXXX XXXX XXXX. Called CFPB today to ask what redress we have now that CitiBank responded incorrectly and still refuses to find the missing payment of almost {$1200.00} CFPB has NO method in place to help us to force CitiBank to find the missing payment. Why is CFPB there? CFPB has been NO help. Waste of tax payer money.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (UT)

I had a unsecured loan with oportun  XXXXXXXX XXXX XXXX. It was charged off and sold to XXXX XXXX XXXX XXXX. We worked out an agreed upon settlement to pay off the debt. I reached out to oportun to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to XXXX XXXX. XXXX XXXX  said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I have a Credit Card in good Standing with Barclay Bank  XX/XX/XXXX Barclay sent an advertisement for Balance transfer at a low interest rate. I accepted the deal. Several weeks past and the balance transfer was never completed. Per Barclays documented turn times The transfer takes place by the end of the next working day. I figured the Transfer was not approved. XX/XX/XXXX I accepted another offer from XXXX and applied for the balance transfer XX/XX/XXXX XXXX Transferred the requested {$6000.00} The end of XXXX I noticed a positive balance on my credit card when investigated where it came from it was the Balance transfer from Barclay. When contacting Barclay it is brought to my attention that this was not in addition to my current account it was a new credit card account with a {$500.00} Annual fee I told them that was not what I thought it was and I would transfer the balance back to them and I wanted the account closed. They said it was no problem and apologized for the error. Barclay admitted that is was their error and the initial applied for Transfer did not get processed and they had a delay in their system somewhere. Again they assured me if would all be taken care of. 2 months later I get a notification my credit score has declined. Low and behold its Barclay trying to collect a balance transfer fee, late fees and a {$500.00} annual fee on a closed account an account that was closed immediately not held annually. I once again contacted Barclay and was told they would take care of it. The late payment continue to show on my Credit for months Dropping my Credit score 200 points causing other accounts to be closed and credit limits to be lowered Barclay now had tanked my credit score. Seven more phone calls and a complaint filed with the attorney general the collection was removed from my credit report. 
I believed everything was taken care of. Not one call not one letter from Barclay was ever received regarding this credit card account. 

Fast Forward XX/XX/XXXX I apply for a home loan and I am told my score is to low once again XX/XX/XXXX Barclay re-reports the fees as a new charged off account. I have made several attempts to reach out to Barclay to no avail my last Call I waited on hold for 2 hours no-one ever answered.

Barclay did not process in their own documented time frame. Once I saw the transfer I immediately transferred back to them and closed the account. Barclay misrepresented the credit card. This is their mistake and I should not be held liable for any fees/late fees and it should not be reported on my Credit report. I pay my bills on time.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-07
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  {$0.00} XX/XX/XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNTS 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-04-11
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. (NY)

this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I restarted my router. Then I log into my @ BankofAmerica account. I was surprised that it asked me a lot of security questions as if it is my first time logging into my computer. I answered all questions like provided my debit card, security code and I did my online banking. After I completed my banking, I got a call from Bank of America, fraud dept, alerting me that it appears that I am logging from XXXX so they want to verify if I made a {$150.00} transfer and I verified I did that, transfer from and to my Bank of America accounts. The next day my son, veteran served for 6 years and full time XXXX XXXX  alerted me there is a $ XXXX transfer from our joint account that we both did not make. 
I filed for fraud claim immediately and I was told that $ XXXX went to a XXXX XXXX account done via online banking transfer. I waited for the 10 days for my bank to credit our account. After 10 days when I called for status I found out they denied my claim stating that they sent a safe pass code to my cell phone and the transfer was legitimate. 
I dont remember receiving a code that day but when I look at history of text, there was a code sent on my phone but I didn't authorize the transaction. I was telling them that I got a call that day from fraud department so it is evidenced that there are fraudulent activity/scammers happening that day with my account. But they are telling me that I need to show proof that my phone is hacked. Its a shame because I was a XXXX XXXX for 27 years, my son is in the military and this is money he earned from his service and we are not being treated fairly. He never touched this account and it just disappeared one day and Bank of America is not honoring our word that it was fraud. I have a police report and seeking help from the police to help with the investigation. I am very upset and having XXXX  over this matter and seeking any assistance. We are being called platinum customer, and the bank claimed they are providing World class service but not doing the right thing during this hardship. I would appreciate any help out there. Case # XXXX Bank of America XXXX XXXX Check & Digital Fraud Claim  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Police Case Report # XXXX XXXX Police Station
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

Hello, We contacted Citicard after being loyal card holders for years -- we told them that after printing up our most recent statements, we realized we were being charged monthly for their Payment Safeguard program. The fees range from $ XXXX {$150.00} a month depending on the balance. We never signed up for this program and submitted a request for refund and cancellation. They only refunded us one month ( {$71.00} ) and that was it. We have read an article stating that many people have complained about this program and gotten their money back for many months of years of being charged without knowing or understanding the reason. We never signed up for this service. We'd like all our money back.
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: LEXISNEXIS (PA)

To whom it may concern ; I have requested 2 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. I advised Lexis Nexis that any Automated Response or pacer and or matching up the last 4 of a consumer social security number for verification is Unacceptable. 

I also provided a copy of a letter From the US Bankruptcy Courts of Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

First letter sent to LexisNexis was XX/XX/XXXX. LexisNexis did not respond within the required 30 day window, when they did reply, they did not offer information my signature. They indicated that the report was sourced from the Courthouse information, Property records from the Courthouse. 

I mailed them again on XX/XX/XXXX indicating that they still not answer the request to present my signature. I also received a letter from the bankruptcy court indicating that they do not verify any information with Credit bureaus or LexisNexis. 

I received a response to my original letter ( dated XX/XX/XXXX ) which was dated XX/XX/XXXX. The response to the original letter still offered no proof of my signature bearing this Bankruptcy. Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

LexisNexis has failed to respond to the requested action in both the response window, and the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.