davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MA)

Long time customer of XXXX XXXX held several policies over 10 years then they up my auto premium by nearly 3000 dollars new drivers added but no violations we could not justify the jump when working with them in late XXXX and XXXX... .a last ditch effort for new coverage was made and we regretfully moved from XXXX XXXX to another insurance company for the same coverages we saved over XXXX dollars. alot of money in todays times to cover household drivers. So we switched. several weeks go by and XXXX XXXX sends a bill for XXXX dollars. They could not justify why this money was needed as we had paid all coverages for the year. They ultimately put us into collection to Credit Collection Services in XXXX MA. But they set up 2 collections so we were receiving misleading info. We get a collection notice for XXXX... .then we'd get another one from XXXX. We couldn't determine if they adjusted the debt or XXXX made a correction. So the communication we would receive was misleading. The XXXX dollars i was fretting as it was nuisance debt and would not get reported to effect my credit. We ultimately paid the XXXX for what ever reason but they still reported the debt to the credit rating agencies and have destroyed my credit. My score dropped nearly 50 points a crushing blow with kids in college and knowing they need student loans. so now we'll have to pay more in interest on my kids loans for the next 20 years all because of XXXX dollars of debt that was paid just as it was being reported. So the pain of the experience is why did my insurance jump more than XXXX dollars where i was a long time customer... i went shopping for the same coverage and saved nearly half of XXXX and probably could have at other insurance companies as well but not XXXX. They they send me to collections for XXXX ... .open 2 collections one for XXXX and the other XXXX dollars at the same collection firm... .if liberty cant get the debt straight in one collection then they should use 2 different collections agencies... but i was getting mailings showing different amounts at different times ... ... ultimately the debt was paid and i still got screwed. and now my kids will as well ... ..i have contacted the credit agencies to see if it can be corrected but it never should have so my XXXX score i took pride in is now below XXXX and probably will be for months as they never give back the total points.
Consumer complaint received 2022-12-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Friday, XX/XX/2023, there was a transaction for the amount of {$4900.00} that posted to my capital one account for XXXX XXXX XXXX XXXX. 
I filed a dispute with Capital one stating that this transaction was not made by me and they opened a dispute and temporarily credited my account. On XX/XX/2023 they re-debited my account for the same amount and did not provide an explanation. I am assuming that they are stating it was my charge since they re-debited my account. I filed a police report for this transaction ( attached below ) stating that this charge was made fraudulently on my account. Capital one needs to remove this charge permanently as I did not make this transaction as you can see in my statement on the police report.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (TX)

On my mobile, when logged into Citibank app, I received the promotion code of XXXX for opening a Savings account with {$50000.00} or more of new money to Citibank, to be maintained for 60 consecutive days to receive a reward of $ XXXX. 

I clicked on the offer and opened the new savings account ( ending with XXXX ). I transferred $ XXXX in to the new savings account and contacted the customer service right after opening to confirm i met all the conditions to receive promotional offer. I was informed that i met all the conditions and my promotional reward will be deposited after 60 consecutive days of account opening. 

I reached out to the customer service department again after 120 days of account opening, at that time, i was informed that i do not meet the criteria of account opening and hence do not quality for the reward. The reason for decline mentioned was I have a Citibank Account Package, and only the Access Account Package was eligible for promotion. I have opened multiple request to review that were declined ( ref : XXXX ) Note : 1 ) The offer was on mobile app and no conditions were listed, my account was opened in less than 5 minutes 2 ) I was never informed on mobile app or in a email/letter that my account does not meet the promotion criteria 3 ) when i called, Citibank customer service incorrectly said that i qualify for the promotion, on more than two occasions. 

Given that, i have kept my funds ( $ XXXX ) in Citibank since account opening ( 6+ month ), I have been a loyal customer of Citibank for more than a decade, and the conditions were not mentioned during account opening or thereafter, I request that Citibank credit me the promised promotional offer ASAP.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (GA)

XXXX XXXX Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid 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. (CA)

My wallet was lost during a vacation to XXXX in XXXX of XXXX. I called and reported the card as lost. There was a fraudulent charge placed on my card before I could alert my Avant credit card of the loss. 

No one has contacted me to discuss the fraudulent charge. I have had to make payments and pay interest on this transaction. Ive left several messages for the investigator reviewing my case and have received no call back or communication. During my most recent call to Avant on XX/XX/XXXX I was told that I was responsible for the fraudulent charges without explanation.
Consumer complaint received 2024-04-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/2024, I certified my unemployment benefit. XXXX issued my payment the same day to Money Network. I transferred some of the payment to my external personal checking account ( I have done this many times. ) On XX/XX/2024, I noticed the money was not in my external personal account, which usually takes the same day. Between XX/XX/2024, and XX/XX/2024, the money was not available in my external personal account or Money Network for use between. 

On XX/XX/2024, I contacted Money Network. I was informed by a Money Network customer service representative that my debit card/account would be closed, and I would be issued a check for the total amount in the account, which would take XXXX to 10 days to process and mail. 

I checked my account daily and never noticed any unusual activities in my account or reported anything to Money Network. It is unusual for a so-called partial " bank '' for money to disappear and reappear from someone's account. 

Money Network did not contact me regarding any unusual activities on my account before I contacted them. The more the money stays in the account, the more profit Money Network makes by lending it to consumers. I was careful not to use the account on any third-party ATM because of the ridiculous associated fees. 

Money Network targeted my account because they are not making all these illegal ATM fees. The company makes a profit from my money while it sits in the Money Network bank. It would take an unusual amount of time for checks to be processed, mailed, and cashed after unemploymentcertification. XXXX and Money Network have a contract, and it would be a violation of that contract. 

I contacted XXXX, and a customer representative informed me everything looked okay on their side. 

I contacted my external bank, and a customer representative informed me everything looked okay in my account, and they never received any transfer from Money Network between XX/XX/2024, and XX/XX/2024. 

I suffered irreparable harm based on this Money Network 's illegal, cruel, and unjust activities.
Consumer complaint received 2022-09-10
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)

XXXX auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with XXXX XXXX formally known XXXX XXXX I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-09-10
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. (MD)

XXXX, XXXX, and EXPERIAN have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Routinely holding certified and/or cashiers checks for regular monthly activities, causing havoc to business operations with monthly expenditures been held by WellsFargo for XXXX weeks at a time. No valid reasons provided and dispute resolution process is even slower
Consumer complaint received 2022-09-10
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

Experian Inquiry - XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX - XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  - XX/XX/2023 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 Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on JXXXX XXXX 14 days before the unauthorized credit inquiry.
Consumer complaint received 2023-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-07
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: John C. Heath, Attorney at Law, PLLC (OK)

I trusted this company with helping me solve my issues on my credit. I began paying them XXXX, after a month goes by, I started seeing charges of XXXX to XXXX, which they told me were solutions to the dings on my credit. All lies, my score never went up or improved. And every month there was an inquiry on my credit report that was not authorized. Please help me!
Consumer complaint received 2024-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I originally maintained a Capital One 360 Money Market account which was paying a competitive rate of interest, and which was promoted as responsive to market conditions and paying a higher rate than other savings-type accounts offered by that company.

I maintained a balance in that account, and when interest rates increased in the marketplace, assumed that the rate would be increased in line with other " money market '' accounts. Only later did I notice that the interest rate on the account did not increase, and contacted Capital One to inquire.

I was advised that only the company 's 360 Performance Savings account was paying the 'money market ' type interest, and that I could open and transfer my 360 Money Market account to it to receive the more competitive rates, which I did. I asked when I was notified about this change, I was told there was no notice.

I believed that the company 's Money Market account no longer paying a competitive rate was improper and made claim to the company to pay me the more competitive money market rate, and was refused.

As a depositor, I would like to know WHEN the 360 Performance Savings accounts were first created, and why customers were NOT told that the Money Market accounts were no longer paying competitive interest rates and that another product offered by the company would be superior. I only wonder whether any of these changes were made to confuse or disadvanage some of their depositors in an environment of rising interest rates.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

someone did fraudulent activity on my card. I contacted the credit place. They asked me to send my ID fax it over. I did no response. I cant pay my bill because I cant login and it keeps going higher and higher because I cant pay my bill so then I called them back and sent it over again faxed it no response.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

Credit collection service has placed me in collection for a " XXXX '' Account. I have not received any communication from them in writing or via phone. I have no knowledge of such account and belive this is an error. 

I only have XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Cascade CISS Holdings, LLC (MI)

all inquiries need to be removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and credit plus XX/XX/202XXXX XXXX