davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit 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. (MA)

Citi sent me an offer to open a credit card account in XX/XX/XXXX 
The invitation had a number : XXXX and the terms included a balance transfer fee of 3 %. I applied, an account was opened, I began a balance transfer but the BUT THE FEE WAS RAISED TO 5 %. I made numerous calls, spoke to numerous people over the course of 2 weeks but the fee always remained at 5 %. Subsequently I decided not to make the balance transfer. 
This was BAIT AND SWITCH.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (FL)

There are two different reports that Checkr provided to two different companys. The first was spark, Checkr reported my license status as suspended on XXXX. My license is active and not suspended. I went to the courthouse and requested a print out that shows my license as current and provided that to Checkr. 

Then today XX/XX/2024 I received an email stating that Checkr completed another background check and they are still reporting my license as suspended. So I called the DMV and they said that if they ran a check today and they are stating it is still showing suspended then I need to get a copy of that report because it is inaccurate. So even after I disputed this with Checkr on the XXXX they are still reporting inaccurate information
Consumer complaint received 2024-01-05
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, I received a suspicious activity email from XXXX Third Bank. Someone tried charging XXXX XXXX tickets to my account in the sum of {$1000.00}. Fifth Third denied the transaction. Within minutes of that transaction, another charge was made through XXXX XXXX for {$270.00}. This transaction was not flagged and was allowed to go through. I reached out to Fifth Third and told them I did not authorize this transaction and wanted a dispute opened. 

When I did that, they canceled the credit card and sent me another one. When I looked at my statement, the new card number was already documented on my account and had a pending charge to it. I had not even received the card yet. I yet again called Fifth Third Bank and they told me when the first card was canceled it was not done correctly so when the new card was added into the system, subsequent places such as XXXX XXXX was sent the new card number. So they canceled the second card, including the ability to send updates to other systems and sent me a third card. Now they are denying the my dispute and asking that I pay theXXXX. The documentation they sent that was provided by XXXX XXXX clearly says NO CVV, address or zip code was provided. This is not a charge I made and my identity was not confirmed.
Consumer complaint received 2022-02-11
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: DISCOVER BANK (PA)

First of all, I've now opened up over 3 CFPB complaints against XXXX. The CFPB really needs to take action because XXXX, being the WORST of the three credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, police/ FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my Discover credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at XXXX because they took off this Discover credit card that has been repeatedly asked to be added back on for almost 4 years now by both XXXX and Discover. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the Discover card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, XXXX, and Discover to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Consumer complaint received 2024-01-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America I am writing to file a formal complaint against Bank of America for continually denying my claims and withholding funds that I am owed. Over the past several months, I have been dealing with numerous issues related to my account and have not received adequate and appropriate resolution from your institution. 

I am owed over {$30000.00} which has been wrongfully denied for several times. I have made repeated attempts to file a claim for the funds but each time my request has been unjustly denied without proper justification. 

Furthermore, I recently discovered that I had attempted to file a claim over a year ago and was assured by Bank of America that my claim had been opened. However, I later learned that this was a lie as the claim was never processed or even acknowledged by your institution. 

In my pursuit of resolution, I also sought help through the XXXX XXXX XXXX and I was advised by a Bank of America executive to contact them directly. Despite my repeated attempts to reach out to the executive, I have not received a response from them.

It is evident that Bank of America has been negligent in addressing my concerns and this has severely affected my financial situation. I strongly advise that someone from your institution contacts me immediately to address this matter. This is my final attempt to settle this without taking legal action. 

This is for my XXXX account. 
Card # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (KS)

I have no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

I deposited {$20000.00} USD via wire transfer on XX/XX/2023. I was not required to provide any further verification documents and the money was available in my Gemini account two days later on XX/XX/XXXX. I was charged {$99.00} to convert {$5000.00} to XXXX and immediately after converting, I was told that my account was restricted from actually using the money I just converted in XXXX. After several days of constant requests for my verification documents and me submitting every document required I was informed that my account was closed without explanation and I will need to withdraw my money. Not only will they refuse to return the {$99.00} fee that I was charged for absolutely no service, but they are also trying to charge me another {$72.00} in order to withdraw the remaining {$5000.00} in my account.
Consumer complaint received 2023-05-15
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. (AK)

Sometime in XXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.
Consumer complaint received 2022-12-19
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 feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Credit inquires from : Pic attached
Consumer complaint received 2022-12-19
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. (FL)

On XX/XX/XXXX, I submitted an Unauthorized Hard Inquiry Dispute Letter in writing via priority mail, tracking number XXXX, to The TransUnion Credit Bureau. I Requested that ( 1 ) Hard Inquiry Be Removed as it was ( Not Authorized ) by me. I contacted TransUnion Customer Service Dept today XX/XX/XXXX and was informed that the Inquiry will remain on the report unless I submit my fraud complaint to the Federal Trade Commission therefore, I am making this formal complaint as requested because I did not authorize this Credit Inquiry and as a result, I am being denied credit opportunities that I have worked Hard to achieve.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reported the inaccuracy of this account to XXXX, TransUnion and XXXX more than three ( 3 ) times. Yet XXXX, transunion and XXXX  continue to report the inaccuracy of this account by negligently and recklessly including the correct amount of the balance to include the cents in the XXXX system and XXXX  systems. Specifically, XXXX, transunion, and XXXX have violates my rights under 15 USC 1666 and 15 USC 1681, and FCRA, FDCPA and UDAAP. Attached are the statements for XXXXXXXX XXXX XXXXXXXX which includes the cents yet it is missing from my credit report. Each attached statement reflects a " new balance '' that includes BOTH the dollars and cents amount due. That information must be reflected accurately on both my credit report and in the credit file.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

My loans are now handled through Navient. Since I began my repayment after going through the rehabilitation process, I have very carefully noted my daily balance as often as I can. A couple of months ago, I noticed a fairly significant leap in my balance and emailed Navient to get some answers. I got a stock response that never really addressed the issue, my balance was adjusted back to where it should be, and all correspondence about this complaint were erased from my messaging history. Also about a month or so ago, my balance jumped again, this time they claimed the interest compounded. I do n't fully understand that, but I got no warning or information until I emailed them about my jump in balance. Leaves me with little confidence they are doing right by me. The fees for my loan are also severely hefty in comparison to my balance.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Danco Financial Services, LLC (GA)

( continued XXXX ) She came back to the line and asked me to call Danco back. I called them back and spoke to XXXX again. He told me that Danco could n't take the payment because they had n't taken on the terms of the lease because it was too low and I 'd have to take it up with XXXX because the car still belonged to them. I asked him so who am I supposed to pay my carnote to and he told me to call XXXX again. By this time they were closed and I was soooo frustrated! When I got home later that evening I was doing a client and I saw a tow truck pull up outside. They asked me did I want to get anything out of the car because they had been sent to repo the car. I was so confused because they would n't let me pay the car note but they were going to repo it and it had only been 6 days since the payment was due! My brother drove the car off because I did not want a " repossession '' on my credit history. I parked it in a garage and called them at daybreak the next day. I spoke with XXXX at Danco and for 2 days he tried to convince me to either 1. Sign the new contract 2. have the extra payments placed at the end of my current contract or 3. Find another car of lower value or 4. Have the payments taken out of XXXX Chexk since it was her fault. All of this just placed me in a highly XXXX situation as if I had n't been through enough with them I was in jeopardy of not having a car again, but I was n't going to pay more. So I told him they could just get the car back and take me out of the contract and give me my money back, because if it would be that easy to sign a new contract it 's just as easy to release me from one.. he said I was correct but he felt like I was going to be a good customer and that he would just pay the {$1500.00} out of his pocket. I agreed and I 've had the car for 4 months since and have paid my carnotes but I just recently found out that my license may be suspended because the tickets STILL HAVE NOT BEEN PAID! I risk going to jail and I have a baby. This is asinine and EXTREMELY ridiculous that these people have taken me through all of this XXXX for almost a year now and on top of it all they sent me a XXXX IRS form for the XXXX XXXX, stating that they 'd reported the vehicle as income as if they 'd either given it to me or I 'd paid for it, either way all of these things will take almost a lifetime to be rectified and resolved. I 'm so frustrated, I believe a civil suit may be best.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.
Consumer complaint received 2024-04-05
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been over 50+ days and neither XXXX XXXX XXXX XXXX Transunion has responded by to my disputes. I have sent numerous dispute letters to have accounts improved from derogatory to current status because they have been paid as agreed, but they continue to report these accounts as negative. Because of their continuous stall letters and tactics saying that I am not who I say I am and will not proceed with the investigation, they have violated my rights as a consumer under the FCRA because they have failed to respond to my requests in my timely manner. 

I have attached letters and and responses.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (GA)

I never received anything by mail no written Validation notice or a phone call if they called my phone they did not leave a message. I just found out about this debt thorugh XXXX when I received an email stating there were changes to my credit report. I checked my credit and saw my score had went down I saw that this company Midland Funding LLC was on my credit report saying I owe XXXX. I called the number on my credit report XXXX The gentlemen that answered never announced the name of the company just picked up and said this call may be recorded or monitored. He could baily speak English he could not under me I could not understand him I got so frustrated I hung up. I took this as being a scam. I looked at my report and saw that the original creditor was XXXX per my credit report that acct has been closed-charged off as bad debt showing amount past due {$0.00} Last reported by XXXX XX/XX/2016 Midland Funding is showing XXXX open date XX/XX/2016. It looks as though Midland Funding brought this acct. How can you but something on my credit report with an owed about that is incorrect and never contacted me or sent me anything by mail I am very upset about this. I will be contacting the credit Bureau to have this removed from my credit report and I will be contacting the Better Business Bureau. Please attached supporting documentation.