davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I Opened a capital one credit card on XXXX XXXX and The agreement was that the interest rate would be 0 % APR for 15 months with a balance transfer charge of no less than {$5.00} dollars but no more than 3 % of balance transfer. I was going to submit a balance transfer of {$1000.00}. I received my card in the mail today XXXX XXXX and activated the card and proceeded to start a balance transfer with a capital one representative on the phone but she said that I did not have a balance transfer offer. I then proceeded to ask to speak to a supervisor in which the supervisor confirmed that I am available for a balance transfer as she noted in my contract but she does not know why she can not activate a balance transfer at this time in her computer system. If I do not get this balance transfer done by the XXXX of this month I will owe over {$1300.00} on another credit card which is hampering me to take care of my business. Capital one has defaulted and has not upheld their bargain of the contract.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax has the wrong ssn XXXX attached to my profile. I dont know who's ssn that is but it isn't mine. I've asked them to update but haven't had any changes. 2 xhibits are attached : 1 ) is what they have on my profile and 2 ) my actual ssn card. Because they have the wrong ssn attached to my account no one is able to see my equifax report.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I had my account closed on me by Citi. So I waited 4 month before contacting Citi about balance refund cause I have not received it. There responce was they would investigate and get back with me with no timeframe to give me. This after my first call telling me I had to go to a branch even though there are no branches in my state or any neighboring state.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have reached out to these companies regarding documentations and proof of contracts and Nothing has been submitted to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


1. CAVALRY PORTFOLIO SERVICE-XXXX XXXX {$2000.00} ACCT # XXXX XXXX. 
( NOTHING HAS REMOVED OR RESOLVED ) 2.XXXX XXXX-XXXX XXXX {$440.00} ACCT # XXXX XXXX ( NOTHING HAS REMOVED OR RESOLVED ) 3.XXXX XXXX XXXX {$1000.00} ACCT # XXXX XX/XX/2018 ( NOTHING HAS REMOVED OR RESOLVED )
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (CA)

Hi all, On XXXX XXXX, XXXX, I called the debt collection company " ARS national service , Inc '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to ARS and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " XXXX XXXX XXXX XXXX '' that is taking care of this debt after ARS. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the ARS staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of ARS stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from ARS and I had conversation evidence with a person who was representing negotiated with ARS saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX
Consumer complaint received 2021-07-09
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)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (FL)

I have an auto loan with Ally Financial. I will be returning the vehicle to them under voluntary repossession. I notified Ally in writing of this and also notified them that I was revoking their right to make contact with me vial phone or text. This revocation was done in writing as directed by the Fair Debt Collection Practices Act, and was sent via USPS registered mail with signature required and a return receipt. Ally signed for the letter on XX/XX/XXXX. Since then I have received eight additional calls from Ally, attempting to collect this debt. I have contacted them and told them of the letter and that they had received it and signed for it and not to call me again, to communicate with me via written letter. They have ignored the revocation.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (CA)

I have received numerous harrassing calls/messages threatening legal action but no written communication/proof of the alleged debt from this collection agency. When I asked for this, they refused without me first providing my SSN. They call numerous times leaving messages, I don't know who these people are and have no knowledge of any alleged debts. They are now calling family members leaving messages in addition to me prompting concern for my privacy. I want ALL harassing activity towards me and family members to cease immediately, and all phone numbers removed from their records immediately.
Consumer complaint received 2021-07-09
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-08
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. (FL)

Hello, I found out the accounts that do not belong to my activity. I checked them and realized that they are not mine. I do not recognize them and this is identity theft. I am shocked by this reality and I would like to ask you to remove them from my profile. I am a young expert and I do not want these fraud accounts ruining my life.
Consumer complaint received 2021-07-09
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: ALLY FINANCIAL INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OK)

Midland Credit has posted a {$1000.00} debt on my credit report. I have requested validation a number of times. Most recently in XXXX of 2021. Their failure to respond indicates to me that they can not validate this debt and/or it must be a result of ID theft. I am requesting it be removed from my credit report immediately. I have attached the request to this complaint with includes the tracking number to established when it was delivered.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I recently opened American Express credit card because they had a promotional offer of {$200.00} statement credit if {$1000.00} is spent during the first 90 days. I followed the rules and spent over {$1300.00} within the first 90 days. I recently came to find out that, after they made me spend over {$1000.00}, they denied me to give me the {$200.00} statement credit they promised me. I even remember chatting with one of their representatives on XX/XX/2021 asking him or her when I will get my {$200.00} statement credit and I was advised within 8-12 weeks of spending the {$1000.00} within 90 days. When I was chatting with the representative, I spent about {$600.00}. So, I wasn't there yet. So, I thanked him or her and continued putting charges on my credit card. Why are they making customers sign up by offering a promotion but then deny the statement credit after customer spends whatever amount they were required to spend? I will include my chat conversation with the American Express representative.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Received a text message approximately on XX/XX/XXXX from Bank of America asking for authorization for a credit card. Then a credit card arrived with a {$20000.00} credit line that I never applied for.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Not only that the last date active doesnt match between Transunion and XXXX  but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of Transunion and XXXX  Im tired of this abused of this unfair act and ruthless actions but this credit bureaus
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MN)

In XXXX, I purchased a XXXX laptop from BestBuy for {$750.00}. They had a promotional offer to pay in 18 month and I took the offer. I had been paying the minimum of {$27.00} a month. On XXXX month, I called BestBuy using the phone number on the back side of my credit card to let them know that I wanted them to charge the remaining balance using my checking account number on file. The representative I spoke to was having a computer freeze issue. His computer froze after he verified my identity and understood the reason for my call. He stated, " I am sorry but my computer suddenly froze on me but I made a note here to charge your remaining balance as soon as I make the computer work ''. I trusted him and moved on with my life. Few months later, when I was reviewing my checking account, I found out that BestBuy is still taking the same {$27.00} per month out of my account. When I called them to find out what happened and why the remaining balance was not taken out of my account, they informed me that the remaining balance was not paid before the end of XXXX months and therefore I was charges fees that added up to approximately {$270.00}. By XX/XX/XXXX, they had taken out a total of {$810.00}, which is {$64.00} more than what I supposed to pay. Plus, they sent me to collections after I pulled auto pay and expressed my concern. The supervisor I spoke to stated because there is no note in my account or no record of me calling, they could do nothing for me. How is it fair that they over charges me and they are still able to manage to send me to collections. My recent credit history check shows the balance they reported to XXXX was {$570.00}. It does not make sense that they already received {$810.00} and are still trying to collect {$570.00}.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (KS)

I opened an account XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 during the promotional period that offered {$300.00} bonus for meeting certain requirements, including {$1000.00} direct deposit OR make 10 debit card transactions within 90 days. I satisfied the debit card transactions requirement on XX/XX/2020 and have now waited over one year without receiving the promotional bonus.
Consumer complaint received 2024-01-30
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. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I made a large lump sum payment in ( XX/XX/2017 ) and specified in writing I wanted it applied to my balance not to future payments. This was not completed. I just learned today they misapplied my payment. The representative was rude when I asked to speak to a supervisor and hung up on me.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.
Consumer complaint received 2021-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

The Credit Reporting Bureaus, XXXX, Equifax and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (NC)

I contacted XXXX on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to XXXX requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to XXXX requesting removal because collection agency did not respond to my request and did not provide validation. 
XXXX  responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to XXXX requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did XXXX obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting XXXX to properly investigate this account and to remove since it cant be validated. XXXX I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my Equifax report.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I went on to Sychrony 's website to send payment for a medical purchase for my wife. Their website offered me XXXX months financing. A month later they changed it on me to XXXX  months. My statements show I received XXXX months and then they changed it. They stated the merchant changed but how can they change it if their website offered me the financing promotion in the first place. I have been working with them and they have notated my calls. At one point the honored my request and it would take XXXX statement cycles. Then all of a sudden the promotion ended and they charged me the accrued interest.
Consumer complaint received 2023-01-13
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. (TX)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-07-09
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: Kentucky Higher Education Assistance Authority (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have previously disputed a XXXX XXXX Bankruptcy dismissed with Transunion on XX/XX/2021 and XX/XX/2021 file # XXXX and in response Transunion 's response to my dispute they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. 

Based a phone call with Transunion, they stated that they use XXXX as a third party data furnisher. XXXX stated that they have removed the the bankruptcy. That document is attached. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately.

My Rights Under the Fair Credit Reporting Act state that Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AL)

I sold my home in XXXX, Florida and paid off the mortgage with Loan Depot. The balance was paid off on XXXX XX/XX/2021. Per the law I was to be refunded my escrow balance and any overpayments. I have yet been able to receive my refund. According to Loan Depot the refund was mailed on XXXX XX/XX/2021 but was mailed to an erroneous address which I never received. I was told on XXXX XX/XX/2021 that I had to wait until XXXX XX/XX/2021 to ensure the check had not been cashed and that they would reissue the check and express mail it to me overnight on the following Monday XXXX XXXX and that I was to call in on Tuesday and receive the tracking number for the shipment. I was then told on Tuesday that the check had not been reissued nor sent overnight. I spoke with a supervisor who assured me the check would be reissued on XXXX XXXX and on XXXX XXXX I could call and get the tracking number. On XXXX XXXX I was told that the check had been released but had not been sent overnight because there was no tracking number. To date on XXXX XXXX I have not received the refund.