davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting 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. (AZ)

I was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/2023, per Transunion Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to Transunion and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. Transunion 's drop of my credit score was mimicked by XXXX within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in Transunion 's algorithm because there is no reason why my score went down. I request that Transunion check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. Transunion should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.
Consumer complaint received 2024-05-06
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: CITIBANK, N.A. (IL)

Purchase of {$290.00} was made on XX/XX/XXXX, which was one of a series of charges made fraudulently on my account ( Citibank credit card ). 

Card was subsequently closed on XX/XX/XXXX and all charges were reversed while the security investigation took place. 

On XX/XX/XXXX, the charge for {$290.00} was re-posted to my account, and was not noticed until the XXXX billing cycle. Follow-up calls were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, notifying Citi bank representatives that I did not make this purchase. I was not asked for additional documentation, and instead told the investigation would be re-opened.

I was told that this would be resolved quickly, but in the meantime I have been charged an additional {$10.00} in late interest fees associated with this dispute.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NY)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I filed a complaint with against Chase bank in reference to them restricting my account under case number XXXX. The Banks executive office reached out to me via Email on XXXX XXXX 2023 and stated that i could go into the bank branch to withdraw my funds of XXXX before the documented Closing procedure begins on XX/XX/2023. However, I go into the branch to get my funds and Im told that Chase had in fact closed my account on the day of the letter being sent instead of the documented date thats in my letter. I have been dealing with this entire situation unable to get my funds since XXXX the XXXX I have been homeless because Im stranded and been getting the run a round from them. Now they are saying they closed my account today and that it shouldnt have been closed until the day listed in my letter which is the XXXX, XX/XX/2023. Saying there is nothing they can do and I informed them that I do not live at the address on file and that if they send any check to the address it wont be received and I refuse to have to wait another day for my funds!!! There are notations in my account stating the account isnt to close until the XXXX of XX/XX/2023 and that I can come in and pick up a check with no hassle.
Consumer complaint received 2023-10-26
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 (NC)

I filed a dispute with Barclays Bank on XX/XX/23 for over {$10000.00} for a vacation rental issue. At the time I had spoken with the merchant, who agreed with my complaint and said they would not contest the dispute. After a month, I received letters from Barclays saying they would not send the dispute to the merchant, first because I needed to try and return the " merchandise '' and second because services were provided. I requested multiple times to speak with a supervisor, and was told none were available. I finally filed a complaint with the XXXX XXXX XXXX which got a response from the " Office of the President ''. After speaking with this person, Barclays finally sent the dispute to the merchant on XX/XX/23. 

I am in possession of the response from the merchant, dated XX/XX/23, where they asserted that they accepted the dispute and would not contest it. I have called Barclays multiple times inquiring as to why the dispute has not been finalized in my favor, given the merchant 's response. Each time, Barclays says they are still investigating, and can not give me a timeframe as to when my dispute will be finished. Multiple times, I have requested to speak with a supervisor in the dispute department, to be told there are none available and that they will call me back within XXXX hours. I have received no callbacks at all. 

It is now almost 3 months since I filed the initial dispute, and 45 days since the merchant responded to Barclays accepting the dispute, and yet I still have no resolution. I have emailed and called the Office of the President, and have received no response. I have now filed a second XXXX complaint, since this seems to be the only way to get Barclays to do what they are supposed to do under the terms of the credit card agreement. They are essentially refusing to refund money that the merchant has agreed I am due. 

This is absolutely awful customer service, and really has me wondering what Barclays would do if I actually needed them to advocate on my behalf, as opposed to the open and shut case that I just need them to process correctly.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/XXXX Approx XXXX deposited in my business checking account ( refinance proceeds ) XX/XX/XXXX ( Account was placed on hold I was not notified ) XX/XX/XXXX deposited {$4600.00} ( not notified that account was in hold status ) XX/XX/XXXX XXXX deposited into business checking account ( refinance of second investment property ) when I tried to pay contractors for the work the wire was rejected and I immediately went to the bank. At that point I was notified of the hold. 
XX/XX/XXXX I emailed my banker both closing documents- all pages ( although they didn't ask for these items ) verifying the origin the amounts and purpose of the funds wired into the checking account. 
I have went to XXXX branches and called and no one can tell me why the bank would decide that the loan proceeds wired to my account is being held and investigated. Even the bankers have said that they have never had this happened and not sure what to do. 
My complaint is against the internal process of accepting and holding funds without reason and the overrall callousness of the banking employees at Truist Bank. The very mortgages that were refinanced are now past due, I am trying to salvage my relationship with the contractors who did the work on my properties and none of the banks employees are showing any urgency in getting this resolved.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IN)

When purchasing airline tickets an ad popped up to receive {$400.00} credit toward purchase. I applied and was approved. I was supposed to receive an email with a link. It never came. I called and the rep told me I would get an email with a link so that I could use the card. It didn't come. I proceeded with the purchase. Called the company again and the person I talked to assured me that I would still get a credit. She told me to use the card and I would receive a credit up to {$400.00}. I did that, but did not receive a credit. Now they are saying that I won't get the credit because it was only for airline tickets. That was what I wanted to use it for, but there was no way to use it. I believe it was blatantly false advertising. Then I was lied to.
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Inquiry1 : Capital One, DateXXXX Inquiry 2 : XXXX XXXX , DateXXXX Inquiry XXXX : XXXX XXXX, Date XXXX XX/XX/2023 Inquiry 4 : XXXX XXXX, DateXXXX Inquiry 5 : XXXX XXXX, Date:XXXX Inquiry 6 XXXX XXXX XXXX, Date:XXXX Inquiry 7 : XXXX XXXX, DateXXXX Inquiry 8 : XXXX XXXX, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 XXXX XXXX DateXXXX  Inquiry XXXX : XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX, Date:XXXX I am Hereby Demanding Deletion to the Invalid information XXXXhowing on My 'XXXX  ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
Consumer complaint received 2023-08-14
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: CITIBANK, N.A. (CA)

I am reporting a fraudulent inquiry on my credit report from Macys/cbna. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with XXXX as well as contacted Macys but they said there was nothing in their system.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

On XXXX separate occasions Nationstar Mortgage failed to send me statements and XXXX notify me by email or phone that payments were not received. 
On XXXX Nationstar failed to send a statement on account XXXX. 
I mailed in the payment to them and wrote the account number in the memosection of the check. They either did not process the payment or did notreceive it. In any case they made no attempt to reach out in any anyway, either by email or phone call. they did the exact same thing onaccount number XXXX on XXXX. No statement, no call, no emails. 
After 57 years Nationstar is the only negative report I have EVER hadposted to my credit report. I find their practices unethical and believethey should make and attempt to notify the customer so the customer haschance to correct it before it is reported!!
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Neon Newco Corporation (UNITED STATES MINOR OUTLYING ISLANDS)

I got a Netspend card in the mail that had my name already on the card, i did not apply for it, and they would not tell me who gave them my information. I asked for there supervisor and of course they were not available. I XXXX  them while talking to her and saw they defrauded XXXX people so id like them audited again because she would not tell what information they had on me. Please contact me if you find they took any money from me. thank you.
Consumer complaint received 2023-06-16
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. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, EQUIFAX, XXXX and XXXX are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MO)

I have a derogatory mark on my credit reports/files that was reported by Credit Management , LP. It is apprently for a XXXX bill of {$240.00} dollars, which I already contacted XXXX about when I originally received the bill. I haven't had XXXX since XXXX of XXXX, as I moved to Missouri in XXXX of the same year. The service was scheduled to be suspended the day of the move, and all equipment was returned on our way out of state. As I stated, I received a bill from XXXX shortly after I moved at my new address, in which I contacted them right away. They said it was for unreturned equpment, which I was able to confirm on the phone that all equipment was, in fact, returned on XX/XX/. I'm not quite sure why the alleged bill ( to which there is no merit ), would be sold to a debt collector. Furthermore, to this date, I have not received anything in writing from XXXX XXXX stating that they are a debt collector and they are entitled to this money.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MN)

I received a phone call from XXXX XXXX about a past due bill of {$230.00} on a account that should have been closed XX/XX/XXXX. I was told a phone was purchased in XXXX. XX/XX/XXXX sometime in XX/XX/XXXX and I explained it was fraud, I was not living in XXXX. at the time and lived in XXXX. I asked for them to explain how a phone could be purchased on a closed account and produce my signature or authorization they could not. The phone wasn't even being used with the number XXXX that was in question. I never received a bill and I was not contacted again. I moved back to XXXX. in XX/XX/XXXX and XXXX. was noted as owed dept. I went to the police station and made a police report and sent it to XXXX. XX/XX/XXXX. It was removed from my report. XX/XX/XXXX I received my report and Credence Resource Management posted a owed dept to all credit bureaus {$230.00}. I contacted them, told them this same thing they said a authorized user made the purchase and I told them that is impossible because I didn't live in XXXX. at the time the phone was purchased. I called XXXX XXXX and they said they would investigate. I told them it has been investigated, I sent a report and mailed it AGAIN to XXXX XXXX. I was told I would receive a call back and have not. I got a credit report XX/XX/XXXX and they reported it again. At this point I feel harassed and I have taken the necessary steps to prove this is fraud. I don't want to deal with this anymore.
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (FL)

I submitted this complaint to remove this suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MN)

after giving a substantial amount money to Discover card for a prepaid card & waiting for it ; after I received it, I activated it and tried to set up an account on their app. 
they took a substantial amount of information to set up the card, they took my money. Immediately, they had me enter more private information to try open up the account, so I can actually see, and use my account on their app, and the system would not work to let me set it up. 
I followed their parameters meticulously. I took precious amounts of time to follow their customer service direction that sent me to another customer service that sent me to another customer service. 
during one of these brief encounters, they had me set up a different way of addressing this failure of their IT or business practice being set up to exploit lower income & credit disadvantage people people. The last attempt at trying to set up the account. They had me enter four digit code instead of a user ID and it said it can not do it. yeah after all the grief they gave me and canceling my card this morning I get congratulations. Your four digit code is ready to go after it told me it could not work. I have many screen shots of my attempts and names, ids attempted of setting up the account user ID and enter the four digit code, along with a copy of their parameters for these, and it would not let me. With their customer service less than motivated to solve the problem or address information, I gave them basically completely ignoring it, I was terrified that they had all of my information and they're now making my credit worse putting it at Jeopardy more. after I went to close the account, they tell you that you don't get your money for over two months.

I am not a lawyer I can not afford a lawyer I can not afford to have them sitting and rolling around in my money that they took so easily, but will not address their failures in their IT. I hope this agency has some understanding of what they may be at fault of or if you just all in bed with them I am shocked at how this played out. I am terrified of what they've done to my credit now and they have my money.
Consumer complaint received 2023-06-16
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. (VA)

There are several addresses on my credit report that have been refused to be removed. There are collections I have know idea about on my credit report. There are several hard inquiries on my report as well that I didnt authorize.
Consumer complaint received 2023-10-23
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: Trident Asset Management, L.L.C. (VA)

I have been disputing this collection account on XXXX since XXXX Once I dispute it within 1 week they come back as accurate information. Trident Asset Management is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/ which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company XXXX and Trident will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this Trident Asset Management company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging you.