davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (VA)

Weeks ago was told I would need separate card for joint account. Card was sent and couldn't activate. Contacted was told problem with system, so use existing card. Tried existing card, was denied. Went to beranch XX/XX/19 and agent contacted Credit Card section and they said problem with exp. dates, only way to solve is overnight new card. Received new card and told can't activate due to problems with system and immigration issues. Been 5 days with no use of card, auto payments declined, several hours spent and told can't due anything until fimurther notice. Truist not resolving problem.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MN)

I had a credit card 'Barclaycard XXXX XXXX XXXX which had XXXX miles in it which were collected by using the card. 

The company closed my account due to non usage of the card and I can not redeem my miles. 

There was no miles expiry date on the redemption page and the company is not allowing me to redeem miles
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NY)

I applied for the Avant credit card in XXXX, however. I never received the card and called the company on or around XX/XX/XXXX to let them know i have not received the card, i was told to wait at least to the XXXX. 
A couple of days later, I looked on my app for the card and seen purchases for {$260.00} I called Avant customer service to let them know and to close this card. The rep said it would be closed and they'll send me a new card. I have yet to receive a new card, but at this point, I no longer want a card with this company. My score dropped XXXX points because of this. 
Now they're sending me a bill to pay : {$330.00} for purchases I did not make.
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

I received a XXXX XXXX XXXX award which helps to pay a large portion of my XXXX XXXX. In Fall of XXXX, the XXXX XXXX made a payment of {$3700.00} on XX/XX/XXXX which did not reach my account. The XXXX financial team made their investigation and found that the check payment to =Discover was offset by the XXXX XXXX to Discover 's outstanding tax garnishment. The actual payment amount received on my account after the offset was {$24.00}. After XXXX  months of back and forth, Discover eventually credited my account retroactively. The same thing happened again in XXXX of this year. The XXXX made a payment of {$3700.00} on XX/XX/XXXX which has not been credited to my account. Despite many requests from me to start an investigation on their end, they keep all of the ownership for data collection on me. For example, they refuse to contact Treasury to confirm the information on their end and have me obtain the check information, account number, routing number and date of payment from the XXXX.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KY)

Fraudulent Charge on Citibank Credit Card - Request for Assistance I traveled to XXXX from XX/XX/2024, to XX/XX/2024. During my trip, on XX/XX/XXXX and XXXX, 2024, there were several fraudulent charges on my Citibank credit card. 

Upon returning from XXXX, I formally filed a complaint with Citibank and reported these transactions as fraudulent. 

Today, I called Citibank, and they denied my fraud claim, holding me accountable for these transactions, which I did not make. The total amount in question is approximately {$1000.00}. 

I kindly request your assistance in resolving this matter with Citibank as soon as possible. I have attached my transaction statement highlighting all the fraudulent charges.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (VA)

On XXXX XX/XX/2024 Credit Karma duplicated hard inquiries that were already accounted for on my XXXX credit file. According Credit Karma these inquiries were made between XXXX XXXX and XXXX XX/XX/2024 XXXX confirmed via XXXX the correct number of inquiries on my credit file. 

Following inquiries were duplicated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

Dear all, On XX/XX/XXXX we have made a NO PENALTY XXXX with XXXX $ with a 4.05 % rate, and another XXXX, with XXXX $ ( this was a remaining from other closed account ). 
This CDs expired on XX/XX/XXXX and we communicate to the bank several times ( by phone ) to indicate that we are not interested in renewing the CD, but they answered that they can not close the CD unless we go in person to a XXXX agency, and they can not send a check to or address or transfer the money to another account. The problem is that since CitiBank have closed all our deposit accounts ( on XXXX ), we can not receive the money in a checking account to and since our residence is outside US ( in XXXX ) is very complicated travel to US only to go a Citibank agency to deal with this. 
Another issue is that Citibank also has withhold taxes over the deposit incomings, although we have signed a W8 requirement because we do not live on the US. It is possible to recover the taxes? 
At this moment, we ask for your help to find a way to recover these funds blocked at CitiBank. We have a fully functional account in XXXXXXXX XXXX XXXX, and it could be a feasible solution that XXXX transfer the money to our account in XXXX ( Note that we are the same titular in both accounts ). 
If this option is not possible, we also propose that they send a non-transferable check to our residence address in XXXX XXXX by XXXX as they do the last year to solve the previous issue in 2023, and then we can deposit the check in another bank.

At this moment, Im currently dealing with health issues, and I need to pay some medical treatments, making more difficult to travel to US. 
Attached the document that proofs that our actual residence is in XXXX, to demonstrate the residence and the mentioned CD statements for reference. 
Thanks for the support you can give to us.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT CONCEPTS, INC. (OR)

The car was never good. The interest was high. I made payments for two years out of three. They repoed it almost two years ago an yesterday I got served with a lawsuit. The entire loan was XXXX way over the XXXX XXXX  and they are suing me for over XXXX when I paid them XXXX. They are doing this so they can garnish my wages. They already got more than they should have. They do this slot I found out upon researching them .I just had a XXXX XXXX and they filed in a court in another county I ca n't drive to. Why wait 2 years? Also they did NOT try to collect. They lied in court papers. Ask them for proof. They never sent anything.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (WA)

Excerpt from most recent chat : I have been patiently waiting on Cash app to " verify my identity '' since XX/XX/XXXX. I have uploaded complete sets of my id cards and pictures of myself at least XXXX  times. I have spent hours on the phone and via text with support. 

Already accomplished all of these several times, XXXX REFERENCE CASE XXXX Now, kindly complete my identity verification. 

XXXX XXXX can not tell me why they can not verify my identity. They just ask for the same steps to be completed over and over again. I comply, they do nothing, then they close my complaint. I find out they closed my case a couple weeks later when i make a follow up inquiry.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've made several attempts to gain access to my TransUnion credit report to find out why I can not log into my account on the website... They blatently say that the owner of the website has " restricted '' my access! For some reason they're hijacking my account where I can not see what is on my credit report... I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I just called and they just hang up right after answering the phones... they are not allowing me, access my account for me to review. The fraud alert information they have on my account is incorrect they have my phone number incorrect, therefore I am making attempts to correct their typos. I don't know what else I need to verify so I can go and make the necessary corrections. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXX 's!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices! Please BAN their services from doing business in the United States of America!
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (UT)

We were nearing the end of our Loan with Flagship credit and we called started talking to them about settling the outstanding amount. Around XX/XX/XXXX, we were approved to pay off the settlement of {$2000.00}. We tried to process the payment on XX/XX/XXXX but it didn't go through. We had to call back and they said they had the wrong banking information. So we had to call again on the XXXX and they were able to pay off our settlement offer. Since then, they have been calling us constantly trying to collect the past due amount even though we have already settled. They call multiple times a day 6 days a week. Weve also tried calling to get information on why we havent been able to get a resolution because they said they need to sign an offer letter but neither my wife or I have received it. Most recently, I called on XX/XX/XXXX and XXXX. I was told we would receive the letter but we didnt so I called back again and they said that in their records, they still havent even sent it out. Theyve confirmed our emails multiple times and we still havent received them. Ive told them they need to get this resolved but in the meantime my and my wifes credit is getting penalized because they havent sent us anything. 

We were told when we settled that they would send us our titles within 30 days of paying off the amount. We have not received it and we cant get a straight answer of why the letter hasnt been sent to us.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Social security number is XXXX The negative items that are fraud have not been removed from my experian credit report and XXXX Credit report theirs a federal trade commission identity theft report on file please have experian and XXXX removed those items
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NE)

On XX/XX/XXXX I sent my landlord his monthly rent payment if {$1200.00} using my Chime account. My landlord received a notification that I sent him the payment. He then downloaded the app and created a Chime account. Once his account was created the next day Chime closed his account immediately which resulted in him not being able to receive the money sent to him. On XX/XX/XXXX he notified me about this and I called customer service. They told me my funds were transferred successfully and to have my landlord call them and they will help him access his funds. On XX/XX/XXXX when my landlord was unsuccessful in his attempts to collect his money, we called Chime customer service. We effortlessly talked to them back and forth for almost two hours. All they could tell us is that his account was closed. Therefor, they can not give him any information further. Chime has the {$1200.00} that was sent to my landlord. He never receive it electronically nor a check through the mail. Those funds were not returned to me either. This is 100 % fraud.
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Best Buy canceled my card since 2020 but they continued to automatically charge my account and I never stopped paying. But from the date of cancellation they did not allow me to see my account statement online even though they charged my card. When I closed my bank account to get them to contact me, they sent me messages charging more interest. I don't want to stop paying my debt but they are forcing me to send the balance I owe to that company to a collection company. This process is not fair or ethical for anyone because they have been charging me and without giving me the right to information on my account balance. I feel cheated by that company because they did not give me the opportunity to pay my full debt for more than 4 years but they did benefit from the interest they overcharged me.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Negative account XXXXXXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX  business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/year>
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: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Date : XX/XX/2024 Fair Credit Reporting Act ( FCRA ) Dispute and Opt-Out Notice Dear Capital One, This letter serves as a formal dispute of information on my credit report and an opt-out notice pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681s-2. 
Identity Theft Victim : I am writing to dispute information on my credit report due to identity theft. Specifically, the following accounts are inaccurate and should be removed : Third party agencies XXXX XXXX XXXX XXXX XXXX any other third party agencies using my information 15 USC 6802 Restrictions on Sharing Information : Financial institutions ( banks, credit unions, investment firms ) can not share a consumer 's nonpublic personal information with unaffiliated third parties unless the consumer gives written consent. 
Providing Notice : The financial institution must provide a clear and conspicuous notice to the consumer explaining what information is collected, how it's used, and with whom it might be shared. The notice should also detail the consumer 's right to opt-out of information sharing. 
Capital One has been Sharing my personal information to third parties Legal Basis : 15 U.S.C. 1681c-2 requires consumer reporting agencies to block information identified as a result of identity theft within 4 business days. As a victim of identity theft, I request the immediate deletion of these accounts. 
Previous Attempts : I have previously attempted to address inaccurate information on my credit report. These errors have caused significant damage to me and my family. 
Request : Therefore, I am requesting the following : Immediate Investigation : A thorough investigation into the disputed information on my credit report. 
Correction of Errors : The removal of any inaccurate or unverifiable information from my credit report, specifically the accounts listed above. 
Opt-Out Notice : I hereby opt-out of any and all authorization, written, unwritten, verbal, or non-verbal, previously granted to Capital One to share my personal information with third parties, except as permitted by law. 

Incorrect reporting of personal name and Address total inaccuracy in reporting on the credit report directly going against 15 USC 1681. The Inaccurate information must be removed immediately.
Consumer complaint received 2024-05-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (MD)

I have NEVER missed a mortgage payment IN FULL. On XX/XX/2024, I received a written notice from both the VA and Amerihome that I was in default on my mortgage and facing foreclosure. My online account now says that on XX/XX/XXXX, XXXX previous mortgage payments were reversed as " misapplied. '' Please note, I am attaching my most recent bill which shows, as of XX/XX/2024, {$0.00} was past due. 

Billing statements which saying {$0.00} is a deceptive business practice in violation of UDAAP. 

Contacting the VA without first notifying us. Not sending any information regarding an arrearage or opportunity to cure is a violation of the FDCPA Sending an erroneous statement is a violation of RESPA. 

This is blatant harassment, is a violation of UDAAP, RESPA, and FDCPA
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX