davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-09-09
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 XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-09-09
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  XXXX Amount : {$800.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Consumer complaint received 2023-09-09
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)

PLEASE DELETE THE FOLLOWING FRAUDULENT XXXX XXXX XXXX CO Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry dateDec XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateDec XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateApr 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (AL)

I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance, nor do I recognize the late payment associated with it. Everything reported here does not meet the FCRA.
Consumer complaint received 2021-05-15
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. (TX)

Account reported on my Transunion credit file own XX/XX/XXXX. I responded to the dispute XX/XX/XXXX. Transunion later, way past the 30 days responded with a letter saying the account had been verified. I then responded with a followup letter XX/XX/XXXX asking for proof of this verification which was ignored. Send a third letter asking again for verification of this co called investigation and still have yet to receive any.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (AZ)

My ticket was opened in XXXX. Ticket number XXXX. At the time around XXXX had been sent from Binance to Binance.US using what was ostensibly a faulty pipeline because Binance.US doesnt accept XXXX. I opened a ticket I was told that an extraction would be performed and would cost around 500 . 6 months later no extraction has been performed and I still do not have my crypto which is now valued over XXXX dollars.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (NY)

XXXX XXXX and Wakefield associates keep selling the debt back and forth. This debt is from identity theft someone in another state XXXX miles away used my name and personal information to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. I live in New York and have never traveled or lived in az in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.
Consumer complaint received 2023-09-09
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 (IL)

On XX/XX/XXXX, I received an email saying I had won a {$50.00} American Express XXXX Card from a sweepstake I had entered, ( XXXX XXXX XXXX Promotion ). I filled out all the paperwork and received my XXXX XXXX online, in my email. 

I tried the card out and ordered a {$8.00} pizza. It went through with no problem. However, when I tried to use the card several weeks later, it wouldn't work. I tried several different stores, and it just wouldn't work. The different stores tried to take a small fee off the card for the use but those fees never went through either. 

I did contact a few of the stores like XXXX XXXX XXXX, Little XXXX, XXXX XXXX and they all told me the card would not work, even when I gave them the numbers over the phone. So, I contacted American Express XXXX XXXX at the number that came with the card. After talking with them, I was told that the card was working fine, and they found no problem at their end. I was told to make sure I entered all the numbers and the CVV as well. 

So, I tried again that same day and still, it would not work. I called back and they said there was nothing they could do because the card was still showing up as working and they saw no reason to replace it. 

I did contact a XXXX XXXX XXXX, who was the Sweepstakes Coordinator. He said that according to the rules, once you receive the prize, the card, they are no longer responsible for it or any problems that might occur while the card was in my possession. So, that was out. 

I don't understand why American Express wouldn't issue me a new card and deactivate the one I have. I mean the card has an expiration date of XX/XX/XXXX. So, I don't understand why not? 

I have a balance of {$41.00} as I just checked it. All I want is a card that works because I see no reason to lose that {$41.00} This really is unfair. I don't know what else I'm supposed to do. 

I don't have any response in writing from American Express. I only have the original paperwork from the sweepstake win. I don't know if it'll help but I'm sending it along, Thanks.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023, I purchased two ( 2 ) XXXX gift cards at the XXXX XXXX XXXX XXXX Bank of America, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, from teller XXXX. The amount placed on each card was {$490.00} ; however, I was billed {$990.00} for each card. I have written the bank branch explaining this and requesting a refund to no avail. Bank of America refuses to acknowledge their error.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MA)

The information provided to me indicates that a collection agency named IC Systems Collections sent an account of {$1300.00} to collections. My records indicate this was done on XX/XX/22. The original creditor is listed as XXXX. 

I have never interacted with XXXX. I have never bought anything from them, nor have I used their phone services.
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Flagstar ran my XXXX XXXX in XX/XX/XXXX. They notified me of the shortage and I paid it in full. I paid the new mortgage payment in XX/XX/XXXX. This week I received documentation telling me that they ran another XXXX XXXX on XX/XX/XXXX and I have an additional shortage of XXXX I called them this morning and they apparently, because they didn't pay the correct amount on my tax bill, they decided to run another analysis. I can't understand how this is legal. They are not giving the option of just letting it be part of the analysis next year. I am so upset I am in XXXX  Nobody seems to understand how detrimental this is. I mean, just think... I can't trust the first analysis they provide? I have to wait to see if they will just do another one just because. I need help. They won't help.
Consumer complaint received 2023-09-09
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. (MD)

These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XX/XX/. I noticed some activities on my credit report that werent mine. So I contacted Experian XXXX, XXXX XXXX and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called Capital One regarding my Walmart credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that CaptialOne employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the CapitalOne app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.
Consumer complaint received 2023-09-09
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-06
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Conduent Incorporated (IL)

To whom it may concern : I received child support money on the way to go program debit card, third-party of child disbursement center of Illinois. The amount of {$220.00} was supposed to be put on the card XXXX XXXX was put on there and also cleared the same day to go to my XXXX XXXX account as it was set up for an automatic transfer. 
However, this information was put in wrong either through the app which mine shows 10 digits. I cant see all of it or through the way to go program or through the bank not sure about the funds were never put in my bank account. They were put into a wrong bank account. I want to just received the funds that are due to me. I have attached a letter of the complete complete description. 

I am also be in charge an out-of-state fee to use ATMs or go into the bank to a teller. I have include paperwork to show that thats clearly states out of state and then I also have attached places in my area that are allowed to be used for that debit card and today as of XXXX XX/XX/XXXX. I was still charged a fee and I am still in State.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc. (NV)

I had a credit card account with XXXX which went into collection. The collection was assigned to XXXX XXXX XXXX XXXX ( XXXX ) to collect on behalf of XXXX the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. 
XXXX reassigned to account to Client Services to continue with the recovery of the debt. I have paid Client services {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to XXXX. 

In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact XXXX XXXX XXXX at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. XXXX has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. 

XXXX has been called several times about this and all they will tell me is that there is a dispute.
Consumer complaint received 2023-09-09
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: CITIBANK, N.A. (IL)

In Mid XXXX I completed XXXX balance transfer requests utilizing Citi Bank XXXX transfer system on their App. Again I made XXXX separate transfers XXXX was for {$490.00} to pay my chase freedom credit card ending in # XXXX. This transaction went fine and posted on XX/XX/XXXX -The second balance transfer was for {$490.00} as well to my chase freedom unlimited card ending in # XXXX. This transaction went through on Citi side and posted on XX/XX/XXXX as well, however it was never credited to my chase freedom unlimited card I have made at least XXXX phone calls to both chase and Citi trying to get this resolved to no avail I believe this to be an error with citi banks balance transfer app. I took a picture with my phone and it automatically reads the card and inputs it. 

On XXXX of my many phone calls to citi they stated that the payment was sent to an account ending in XXXX ... .my card ends in XXXX I was promised repeatedly that it had already been fixed and that I would see a credit and to wait for it to hit my account... ..it has not. 

I have even receive a physical letter from citi stating in has been fixed ( which I have included in my documents ) it has not been fixed to date Why is this so complicated... this has to happen all the time. 
I have spent hours on the phone with no results
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

Today XX/XX/XXXX the financial business check my credit score without my permission and XXXX XXXX XXXX XXXX  do the same two times without my permission and this was affecting my credit score
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I called XXXX XXXX regarding my XXXX credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that XXXX employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the XXXX app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.
Consumer complaint received 2023-09-09
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: AMERICAN EXPRESS COMPANY (NY)

I filed a dispute with American Express nearly 9 months ago, regarding an unjust charge of {$8000.00} for a product that was never delivered. According to their contract, I should not be held responsible for charges if products are not received. However, not only did I not receive a refund for the {$8000.00}, but they also allowed the company to tack on an additional {$1000.00}. This situation has not only incurred further interest charges, but I've been tirelessly calling about it for the past 9 months. Each time, I'm put on hold for hours and promised assistance that never materializes. Just two days ago, I called again, and suddenly, " their systems were down. '' I was assured a callback within 24 hours, which, unsurprisingly, never happened. This ordeal feels like a huge scam, and I strongly advise against using this card. I demand a refund of my money!