davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

Deserve the payment processor for the now defunct/ bankrupt XXXX credit card not only reported me as 30  days past due but then certified the information as accurate to Experian in response to a dispute. I made the payment for XXXX on XX/XX/XXXX. Payments are due on the XXXX of the month so I made it 2 days prior to it being due. The next payment due was XX/XX/XXXX. On XX/XX/XXXX Deserve reported that it had been more than 30 days since the payment due date when in fact it had been 48 hours. Its widely reported that this credit card has been unusable since XX/XX/XXXX when XXXX went belly up and could not pay their creditors. Now Deserve is resorting to violating the FCRA to try and recoup their lost revenue caused by XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-06-23
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. (UT)

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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

I received an American Express prepaid e-card as a prize from a sweepstakes win on XX/XX/2023 preloaded with {$500.00}. I used the card once ( two separate transactions ) at XXXX on XX/XX/XXXX and I have not been able to use the card anywhere else, including XXXX, since. I have tried purchases at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and even tried to pay a bill with it, all transactions were declined ( even though the preauthorization XXXX shows up in the transactions of the card ).
Consumer complaint received 2023-11-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (PA)

I have made multiple attempts to apply for credit with Affirm ( Affirm Holdings , Inc ). Every time I have applied they are using credit reporting that is XXXX to XXXX months out date with inaccurate information. The report says it was pulled from XXXX but they information they using to deny me credit is never reflected on my actual XXXX report or the information is so out of date that it does not apply to my current circumstance at all. I have complained and complained to Affirm about this. They tell me Im approved but this is an outright lie. I have never been able to use their services. 

I am attaching a document showing their reason for denial. Its dated XX/XX/2023. Todays date is XX/XX/2023! This is insane!
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (TX)

This is regarding a cryptocurrency transfer that I initiated from Coinbase to XXXX. I sent the my XXXX tokens without a memo from my Coinbase account to my XXXX account. Because the tokens were sent without a memo, the tokens never reached my XXXX account instead it reached an internal XXXX account. Then when I inquired about this, XXXX initiated a transfer of those tokens to the original sender ( which is my Coinbase account ) without a memo. So, now instead of those tokens reaching my Coinbase account, it is in an internal Coinbase account. Coinbase told me that in order to retrieve those tokens I need to talk to XXXX and ask them to send a test deposit of XXXX XXXX  tokens from the same XXXX internal account that was used for transfer. I spoke to a customer service representative from XXXX and he took the issue to his back office and they denied my request. So, when I asked Coinbase regarding this issue, I dont get any clear answers. Im trying to resolve this issue for the last 4 months but all my efforts have been in vain. Plus it is very difficult to reach the two brokerages ( Coinbase more so than XXXX ) and whenever I have been able to get a hold of them they have either no answer or take several weeks to answer my questions. Im just so frustrated about the situation and stuck between the two companies refusing to let me have my tokens back. On chain analytics and data clearly show the rightful owner of those tokens is me which XXXX has acknowledged, but both the companies refuse to help me retrieve my tokens. This behavior, their policies, and lack of disclosures tantamounts for fraudulent activity and they need to be held accountable for this. Thank you!
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

I received a late payment on my credit report from Fortiva. The issue is that I was paying via there portal and realized the portal was not working. I have sent them screen shots of the portal showing null when I attempt to pay. I have called and asked to speak to a supervisor and submit request to remove the late payment for XXXX weeks. Each request is supposed to be responded to within XXXX business days I have put in XXXX request to date with no answer. This was removed and they put right back on my credit report unjustly it doesn't make sense that paid in XXXX and its shows XXXX  days late in XXXX.
Consumer complaint received 2023-06-25
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: Resurgent Capital Services L.P. (PA)

LVNV purchased my debt from credit XXXX, i set up a payment plan and on numerous occasions they wouldn't withdraw money from the account i gave them. This is frustrating because i got a letter from resurgent, not LNVN funding.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened a checking and savings account with Citizens Bank on XX/XX/year>. Citizens provided the option to fund the account using a debit card, and I attempted to do so. My current bank blocked XXXX of the funding charges due to suspected fraud caused by the XXXX identical charges. On XX/XX/year>, I funded the account with a {$2000.00} transfer from my other bank. My Citizens online banking was subsequently blocked. I called customer service to inquire and was told that my accounts were flagged for potential new account fraud due to the rejected initial funding attempt, but would be reviewed in a few days. On XX/XX/year>, I received an email from Citizens notifying me that they were sending the {$2000.00} back to the bank that it was funded from. I called Citizens to once again explain why the initial funding was rejected and inquire as to why my deposit was being sent back. I was informed that Citizens had made the decision to close my accounts and exit the relationship. I asked for a reason and was told that the bank does not have to give a reason. From my perspective, since the account was closed immediately after opening, this would seem that Citizens took adverse action against my new account request without providing an adverse action notice. The only reason I'm aware of that a bank can take adverse action without disclosing the reasons are AML/BSA related . The representative said that a letter notifying me of the decision was sent, however, I have not received said letter.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

this account was closed in XXXX of XXXX, I had been behind on payments then settled and closed the account. 
In XXXX of XXXX, they have reported that I am over XXXX  days behind on the account. 
The account that has been closed with no balance for XXXX and a half years. 

I've asked them repeatedly to remove this but they refuse as they say it was accurate information in XXXX. 
I need this removed from my credit report as it is seriously negatively effecting my credit. 

Note : Page XXXX of the attached credit report.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Hey Ive contacted you guys about this account before be cause it was fraudulent it was through XXXX  XXXX at first and you guys helped out removing it. But they sold it to a company called LVNV FUNDING LLC and the total on that account is XXXX $ an the date it was open was XX/XX/2023 thats false because you guys had it removed before that date and I talked to credit experts and they say they are known for suing people so I don't want to get sued for debt that's not mine
Consumer complaint received 2023-11-17
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: TRANSWORLD SYSTEMS INC (GA)

Good morning. 

I receive a loan to go to a film school. The amount of said loan was supposed to be {$12000.00} dollars. Unbeknownst to me the actual loan amount was {$18000.00} dollars with an interest rate of XXXX XXXX and {$5900.00} in what they call interest+fees. 

{$12000.00} with the interest rate of XXXX XXXX across 60 months or 5 years is a total of {$280.00} month. When I started i was paying $ XXXX {$140.00} up until recently. It has now jumped to {$350.00} a month. 

In order to have {$350.00} a month payments, the actual interest that is being dealt is XXXX XXXX. {$12000.00} across 60 months with an interest rate of XXXX XXXX is exactly XXXX. This is predatory lending and they are getting away with because people want to purse their dreams and goal in the college or educational programs and institutions of their choosing. This is blatantly illegal and not to mention blasphemous.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

Sent certified letter ( have receipt ) seeking validation of debt : a contract bearing my signature proof that I have a contract with them ... they offered other than signature proof? I sent a second letter stating I only accept proof by contract with bearing my signature. Their response was '' As we have previously fulfilled our duty to provide you with verification, we will not respond to any such requests in the future. '' I decided to investigate and see if this company is surety bonded to be a third party collector ... .I can not find their name listed in the Secretary of State listing file, nor can I find the information by searching the Secretary of State database for the company name and address as listed in my credit report. It was search of my credit report I discovered this bill while doing a complete house cleaning of my credit. I have copies of the original request for validation and it states clearly I seek only a contract bearing my signature with them to collect any monies from me ... and that is what they are not providing. I have concerns since my bank once sent me a notice of possible identity theft attempt on my account.
Consumer complaint received 2023-11-17
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: DISCOVER BANK (TN)

I had learned earlier this year that my identity had been stolen, after doing some research I determined that several transactions on my Discover Credit Card were fraudulent, I had never done business with this merchant before, and so I immediately reported it to Discovers Fraud unit. They filed the fraud claim and then provided provisional credit to my account. I had explained to them that I had several documents including Police reports and other evidence to back up my claim. They told me an investiagtor would be contacting me and at that time I could provide the documents or they would tell me where to go to upload them. Well I waited and waited then I finally get a call from someone claiming to be my investigator, she tells me that all of the fraud claims were going to be denied and explained that one of the reasons was that I had done business with the merchant previously. Well I had never done business with the merchant, ever, I explained this to her and she did not care, I also asked why no one had contacted me about the documents and police reports I have so they could review them. She had no answer or response. Normally a fraud investigator would contact you right away and want to review documents and any other evidence you may have to do a full investigation. She only called me one time, never asked for documents, and then gave a bunch of inaccurate/false reasons as to why the fraud claims were being denied. Then on top of all of this, the fraud department had mistakenly credited my card with too much money, no one told me, infact they told me many times on the phone that I could use the funds, that all of the funds from the fraud investigation had been transferred or added to the account and I was good go. Well once someone figured out their mistake they added another XXXX dollars in debit to my account! Just because they credited my account by mistake now I am liable for this error? My credit score has gone down almost 200 points because of this, I lost my job because of it. This has been an absolute nightmare! No matter what I do or how many times I explain this, no one will fix it!
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Complaint Against  : Freedom Mortgage   XXXX , TX Unfair reporting of late payment  by Freedom Mortg age. This complaint arises from a dispute w ith Freedom  Mortgage whereby the Real estate taxes were increased  in the County  we live in. F or ten ye ars we have been paying our mortgage on time without any late payments. My wife and I signed on a third party company to automatically pay our mortgage. In  XXXX    XXXX   there was a {$150.00} shortfall due to the increase in our taxes . Freedom Mor tgage received our regular payment of {$2200.00} through  XXXX   XXXX  on a timely schedule through  XXXX   XXXX .  Freedom Mortgage contacted by letter to notify us of the {$150.00} shortfall and my  wife made arrangements to pay the balance of {$150.00} over the phone.  Freedom  Mortgage took the payment but never collected the money from our bank  (   XXXX   XXXX  ) on time. The money was subsequently returned by our back because of non-collection. My wife made a payment over the phone on  XXXX / XXXX /  XXXX   and the money was collected by  Freedom Mortgage. Subsequently in looking at our credit score Freedom M ortgage reported our payment as late. We notifie d Freedom M ortgage of this negative reporting, and asked them to reverse it, but they said that they could do nothing about it. We feel tha t Freedom Mortgage is unwilling to rectify the situation. We tried to send the additional payment to Freedom Mortgage on time but feel that they dragged their feet in collecting t he money. It was't our fault because we did all we could to make sure they were paid.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (TX)

XXXX XXXXXXXX XXXX XXXX Wired Fund from real Estate transaction on XX/XX/2024 Funds were sent to XXXX XXXX XXXX at XXXX XXXX  XXXX. Citi Bank held Funds until XX/XX/2024, I lost XXXX-days interest on {$740000.00} FED Reference XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (MD)

I wanted to let you know that I just realized that some credit collector reported my inaccurate information on my profile. They want to collect the money I do not owe them at all which is very unfair and very bad for my credit score. Hence I want to dispute this inaccuracy on my profile.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX
Consumer complaint received 2024-05-07
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: BARCLAYS BANK DELAWARE (TX)

I applied for a Barclays XXXX XXXX credit card with the purpose of transferring {$12000.00} from my XXXX credit card to the Barclays card. I was only approved for a {$2000.00} credit line for the card. I was under the assumption that since I was not approved for the full {$12000.00} that I would have to worry about the transfer but unfortunately Barclay submitted a transfer of less than the requested amount with my knowledge or approval.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

This bank had the worst online interface right along with XXXX which is why I closed down my account. I was locked immediately from everything. It's not a joke, your group is a bunch of scammers. I expect that I hear no nonsense from your side, things are settled between us. Now, I need you to stop the mailing me following me to my new addresses here soliciting my mailbox with your XXXX. I told the bank and they promised me that I would get no mail and no phone calls. Both have been violated with XXXX  advertisements and updates about a closed account. Like I give a XXXX. My account is saved to phone number XXXX and my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh. XXXX. You can stop contacting me right now and stop soliciting the usps to get my addresses as well. We finished out now I expect to stop receiving XXXX  from this XXXX  bank. I will not be contacting you at all so do not expect a response regardless of your " official '' or " unofficial '' response. I do not care about your opinion I told you I felt about your bank. XXXX is better than you. Take care.
Consumer complaint received 2023-10-03
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-19
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WA)

Have had citi bank Costco co branded card for several years, always paying off the full balance. I get a pop-up in the payment app saying that since I had been a good customer I was getting a special rate of 3.99 % till XX/XX/2024. I think sure why not. The thing they didn't make clear is that the " special rate '' has no traditional grace period, the interest starts the moment things are purchased and you are charged even if paying the card statement balance each month, so for a customer like me who pays off their card each month it means for the first time I am paying interest on this card because of the change in calculating the charge. 
I strongly suspect that CITI is only offering this " special offer '' to similar pay the balance of each month customers and if so it's pretty shady as it results in interest payments when they wouldn't be needed otherwise. I called CITI and they said they could /would not remove the promotion from my account and I would have to just have it till XX/XX/2024.