davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Neon Newco Corporation (AL)

I was scammed by XXXX XXXX XXXX XXXX In XXXX XXXXXXXX It was An extreme over charge! I used my debit card to pay for the overcharge & Signed it " XXXX I do not want to pay this '' I reported this to NetSpend wrote them a lengthy report XXXX NetSpend Couldnt have done an Investigation .. They turned down my Dispute .. So I Investigated .. I found 29 Horrible Reviews 9 on the XXXX XXXX XXXX Others On XXXX XXXX Others on another Reporting Online Servies All Regarding The Same Exact type Issue as mine With This Company that goes By 3 Names .. The wreckers Have XXXX XXXX XXXX Written on There door .. The Office Is XXXX XXXX XXXX XXXX & They Billed NetSpend Under Another Name .. When I recieved My Social Security Ck Direct Deposit to my account NetSpend Took My Money .. They never contacted Me XXXX Other than to text that my Social Security had been deposited .. I left on a trip for a Job interview in California Thinking I had more than {$600.00} Dollars in my NetSpend XXXX My Homes In Al XXXX XXXX Alabama .. During the trip I needed the Money from my account When I tried to get it it was gone Taken by NetSpend XXXX leaving me Stranded In a XXXX Parking lot where I still am 3 days later .. I tried to contact NetSpend 6 times the First 2 times they put me on hold til it Disconnected The Third time I got to a supervisor & he hung up There were 2 more extended holds that Disconnected before I finally talked to a supervisor Named XXXX who tried hard not to be of any help NetSpend Has Caused Me Extensive Pain Anguizh & Suffering .. They Has Caused me Extensive Mental Physical & Emotional Trauma & Left me Stranded.. Please help I don't kno where to Turn and I have no other Recourse Or Resources .. Mentally
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I signed up for a promotion with CitiBank to open a bank account, keep a XXXX balance for 30 days and then receive a {$400.00} bonus. I completed the steps and was not provided the bonus award.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (NC)

I would like to send a complaint about these three companies, EQUIFAX, XXXX  and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!
Consumer complaint received 2021-03-06
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: Resurgent Capital Services L.P. (MD)

On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (AZ)

filled a previous complaint that I could not get my credit score. They have the wrong name with my ss number. I have faxed them my driver licensee, social security card and passport a total of three different times to fix this problem. Equifax is the only company Iam having this issue with. their response to my complaint was still the same problem. Then they send me a letter with someone else name on it PLEASE Help
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC (SC)

I, XXXX XXXX had applied for a credit card known as XXXX XXXX that is issued by XXXX XXXX and serviced by Continental Finance Company on XX/XX/2021. I got denied because of one reason : We were unable to verify your identity. 

I called their customer service number a few times about my current application and their number is XXXX. The customer service representatives told me different things, most of them was very untrained but one of them told me to fax my personal informations directly to the company for review. It have to include my driver license, social security numbers card, and voter registration for proof of address to their fax number XXXX. I already fax them and called them again but they told me they had received but took no action without justify explanations. 

On the online application, I had given them my full social security numbers, name, date of birth, address, e-mail, phone number, and other informations they had requested. I even fax them my social security numbers, driver license, proof of address, and a copy of the reference numbers that is attached to the notice that was sent to me after I applied stating why I was denied.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (UT)

Over the past year I have paid Lexington law firm and infinite finance to repair my credit. The negative items on my credit are old, settled, went through a chapter XXXX in 2012 or are simply not mine. I was told by both companies that it wouldn't be hard at all to get them removed. My credit sits on now at XXXX and I am trying to purchase a home.
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I called USAA because I was experiencing a hardship due to COVID-19. I made an arrangement to make the payment betweenXX/XX/XXXX to XX/XX/XXXX. USAA negatively reported the account the credit bureaus on XX/XX/XXXXbefore the payment could be made. I called USAA about the credit reporting issue and made the payment to bring the account current. My credit report is still showing a negative mark and I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when there was an arrangement in place to pay by a certain date.
Consumer complaint received 2021-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (CT)

Credit Corp Solutions INC violated a couple laws under the Fair Credit Reporting Act. The first violation was 15 USC 1692c ( a ). I did NOT give credit corp consent to contact me through any mediums.

Credit Corp Solutions INC Violated 15 USC 1692b ( 2 ) because sent me a letter stating that I owe an alleged debt and that's a clear violation under the Fair Debt Collection. Practice Act Credit Corp Solutions INC violation of bringing legal action for an alleged debt. Pursuant to 15 USC 1692i ( b ) congress states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''
Consumer complaint received 2024-03-27
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 am writing to follow up on my previous correspondence regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (GA)

I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My first COMPLAINT ID XXXX on XX/XX/XXXX XXXX happen when my account get closed due to popup in chase website asking to change to paperless constantly. I did not know I have {$140.00} due and my account was closed by chase and I lost all my XXXX points. 

I am not sure how to appeal in this website so I filed a new complaint again. I received XXXX for the points I received XXXX from chase for card ending XXXX. Since chase took my points away by closing my account and I request then to remove the XXXX they issued for card XXXX. I try to get the points back but was denied by Chase in my first complaint ID : XXXX I think the whole thing will never had happen if chase website does not popup to ask for paperless. We all make decision when applying credit card and if I do want to change to paperless I pretty sure i can change easily when I login to chase. I don't need the annoying popup to make my decision for me especially i am in the rush or something. 

I also think closing people accounts the least the bank need to do is track the mail to make sure they received the mail before closing the account. We are in pandemic and it is XXXX when they said they send the mail to me and I have to take it is true? It is chaotic time in XX/XX/XXXX. Didn't we see news about mails or packages not delivered? I never received any mail they said they sent to me. Of course Chase will not believe me and I don't believe they sent me mail either!! 

Is it so hard to send tracking mail especially you going to send to someone about closing account? Especially their last mail for the credit card? All these will save me trouble and I don't believe I am the only one that has the problem with your popup or your mail you said you sent that I never received. 

It's true these problems probably has been there for long time and I happen to be caught into these issues now ... 

I just think you just destroy people like me that have no intention of not paying the {$140.00}, no intention of getting my credit score dinged and no intention to close my account either.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

Letters were sent to Comenity Bank on XX/XX/2021 due to reporting accounts were included in bankruptcy and now show derogatory. The accounts were in good standing and closed years before bankruptcy was filed and discharged. Upon disputing with the credit agencys, Comenity is still reporting erroneous information.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

I 've been a Best Buy card member since XXXX. I always pay my bills on time and even pay more than minimum monthly payment. As of XXXX/XXXX/XXXX they reduced my credit limit from {$2100.00} to {$1300.00}. When I called to inquiry about the recent change XXXX XXXX, new applicant specialist, informed me due my credit report the company must reduce my credit limit. I explained to her the items are currently being disputed and her response was that does not matter. Best buy can not reverse decisions made. This is poor customer service and demonstrates best buy do not value good card members. Furthermore Best buy has failed to inform me of changes to conditions and terms.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid 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. (CO)

MasterCard allowed a Best Buy XXXX, Co, membership renewal fee of {$200.00} to be processed even though I disputed the charge after the fact since Best Buy never, never, notified me that that annual amount would be charged to my MasterCard. Best Buy did not send me an email or a snail mail stating the the annual renewal and Best Buy can not prove they sent such notifications : They simply stole with Master Card approval the {$200.00} from me, : MasterCard stating that if I didn't pay they would report my otherwise perfect payment history and credit rating to the three most so-called trusted credit rating systems in the U.S. In other words, MasterCard in link BB were going to ruin me and it seems gladly doing so. MasterCard said I had to PROVE that I tried to contact Best Buy. I explained in a dispute to MasterCard that Best Buy when I found out about this charge through my XXXX statement, I called BB five different time and was on hold for over an hour each time, thus having a total hold time of more than six hours. I was never able to get in touch with BB. Additionally Best Buy in XXXX, Co where I live was closed for months due to covid, yet I had to prove the phone calls and BB being closed, which meant the responsibility of evidence was on me -- a perfect MC client. The proof really is on Best Buy to show they sent early notification of renewal chargers! I want my membership fee -- all of it returned, which would be a big surprise! I dropped MC like a hot XXXX since they can not treat a client who pays the monthly statement in full and on time and who has been with MC since 2015! CREDIT CARD COMPANIES NEED TO REALIZE THERE ARE TWENTY OR THIRTY MORE CC COMPANIES WAITING IN LINE FOR OUR BUSINESS!!!
Consumer complaint received 2021-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to XXXX  and Transunion twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On Saturday, XX/XX/2021, I'd found out that {$1000.00} was gone from my USAA bank account. I saw that money had been transferred through XXXX to an unauthorized number. I immediately called USAA to film a bank fraudulent claim. When I was on the phone, I was told that an unusual phone number was identified having access to my account. So i also went through the lengthily process of reporting my debit card stolen, had my email changed, username changed, password changed, pin number changed, and turned off the quick login feature to avoid any more break-ins. 

On Thursday, XX/XX/2021, I was emailed a response from USAA that my fraud claim had been denied. The next day, XX/XX/2021, I called back and spoke to a USAA representative and asked for an explanation to why my claim was denied. The guy on the phone was perplexed and sent me to the ER department of USAA, which apparently handles securities and claims investigations. I was told by the woman on the phone that I was denied because it was my responsibility through a scam. I kept trying to explain that no information had been given out to anyone, but they still said there was nothing they could do. That a man somehow got my information from somewhere, used it to get into my account, and made a transfer without my authorization and I was told that it's still somehow my fault. I warned that I would just keep calling back until I see my missing money reimbursed. Still, they said that the decision was made and that they hoped I'd have a nice day. 

This seems like a securities issue on their end as my phone and email were the only numbers or addresses that were authorized to get into my account, and yet despite an unknown phone number getting into my account, they still call it " my fault ''
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj
Consumer complaint received 2021-03-06
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I paid off my chase freedom UNLIMITED credit card with {$1800.00} on the full balance of {$1700.00} plus interest-leaving a credit balance of {$29.00}, as shown on my XX/XX/XXXX statement. 
After having verified that my credit card was paid in full, I requested additional card for my daughter, XXXX XXXX XXXX on this account. I did not receive the card for a while, and requested again electronically in the chase mobile app. Then I received 3 identical copies of the same account number in my daughter 's name ( I live in the same address as my daughter since pandemic started in XX/XX/XXXX ) .When I got my next bill in my app, it showed a purchase of {$730.00} from a certain XXXX store in XXXX XXXX, New Jersey on XXXX XXXX. I then asked my daughter if she made the purchase-to which she replied that she had not even activated the card yet. Neither me nor my daughter had ever been in that store, and so I called the XXXX right away, and told the customer representative ( name is XXXX ) that this purchase was not an authorized purchase, and hence a fraud. I told him that my daughter had not even activated this card yet, to which he replied that this type of card did not need activation, and was ready for use upon receipt. ( This is poor security protocol because if someone else got hold of this card when the mail was in transit, he or she could just literally go to any store. ) I was then told that they would investigate this, and that I had to wait for the result. Meanwhile, the purchase was deleted during the investigation process. 
On XX/XX/XXXX, I got an email stating that the transaction was valid ( copy herewith ) and that I am obligated to pay. I immediately wrote them a letter by post ( copy herewith ) reasserting that such transaction was never authorized by me nor any of my authorized user, and requested CHASE to furnish me a copy of the documents that they used as basis in the investigation, why they believe that the charge was proper and not a fraud. 
On XXXX XXXX, they replied by email ( copy herewith ) that they have reviewed this case and that the transaction was valid, and I am responsible to pay for this-and the case is closed, without giving me the proof that I had requested. 
Hence, this complaint wherein I am required to pay for item/items ( do not have a receipt of the fraudulent purchase ) that I did not purchase in the " XXXX '' store.