davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2024, I submitted a payment of {$210.00} to a business XXXX XXXX to rent her photo studio via Venmo. Unfortunately, after asking two times for her contract after a month, she finally gives it to me and there were unknown factors ( not announced to me prior to payment ) that influenced me to request a full refund from her as I was not going to use her studio. She has denied giving me a refund so I contacted Venmo to dispute this charge and they denied it telling me to try to talk to the business owner, as if I didnt already try. Venmo offers purchase protection for businesses like this and yet, I am unable to receive a refund. I would like help to retrieve this refund, thank you.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

Atlantic Bay is breaking the law by making their website inaccessible to me and continuing to charge me PMI even though I asserted my right under law to have the PMI removed, and Atlantic Bay is legally required to do so since I have perfect payment history and my property has appreciated in value. As a person of XXXX is a historically disadvantaged part of town, I hope Atlantic Bay is not engaging in redlining.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX Potentially Negative Status Repossession. {$11000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$5100.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute OFFICE OF THE ATTY GENER XXXX Potentially Negative Status Open. 
Account Type Child Support Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Potentially Negative Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Account Type Utility Balance {$240.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute
Consumer complaint received 2024-02-11
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. (NJ)

On Sunday, XX/XX/2024, I was trying to purchase XXXX XXXX tickets when I saw an advertisement on the reservation page for a AAdvantage credit card from Citibank. If I applied and received immediate approval, I could use the credit card for the flight purchase and receive a number of benefits, including priority boarding, no baggage fees, etc. 

I applied for the credit card and got immediate approval. HOWEVER, the credit card number was not shared in an email or on the Citicard website. I am unable to use the card to make this payment. Therefore, I can not get these benefits which were promised in the advertisement on the website. I spoke to XXXX different offices and was told I have to wait 7 to 10 days for the physical credit card to arrive before I can use it and receive these benefits. I can not wait the 10 days as the trip is coming up shortly. 

In addition, when I went back onto the XXXX XXXX page to make the flight purchase, the flight prices rose ( just 1.5 hours later ). This is for the exact same purchase.
Consumer complaint received 2023-06-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into theXX/XX/XXXXI have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this TransUnion sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

In XX/XX/XXXX, I traded in my Nissan Lease. Nissan Motor Acceptance neglected to close out my lease account until XXXX months after I traded the car in. The account was paid in full and closed. Nissan reported on my credit report that I was XXXX days late and then XXXX  days late in XX/XX/XXXX. But this is inaccurate. I traded the car in XX/XX/XXXX and it was paid in full and the account closed. When I called the Nissan dealership, they reported that they forgot to complete the paperwork in a timely fashion. However, years later, I notice that they confirmed that this information was correct when I disputed it with the bureaus ( this is according to the bureaus who reported that they conducted an investigation ). This is a technical error that they have refused to fix. I've attached a screenshot that Nissan is reporting my account XXXX days past due in XX/XX/XXXX. Also, the is a screenshot of the account that was an auto loan opened with XXXX XXXX XX/XX/XXXX. I attest and swear that I did not have two cars in XX/XX/XXXX. As you can see, the new auto load starts XX/XX/XXXX when I traded in my old Nissan. It was a smooth transaction and there were no complaints from me because I was able to get financing for another vehicle at the same time.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I show a bankruptcy on my credit report XXXX XXXX XXXX XXXX XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (GA)

I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. XXXX XXXX XXXX Balance : {$1100.00} Date Open : XX/XX/XXXX 2XXXX XXXX Balance : {$880.00} Date Open : XX/XX/XXXX 3. XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and Transunion telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (MN)

I had a Citibank credit card and was lured in to open a savings and checking account with an incentive of a higher interest rate. It said I only needed to deposit {$500.00} in each to get the offer. I did that and after a month, they charged me a {$30.00} fee because the {$500.00} was considered a " low balance. '' I contacted the company and immediately canceled my checking, savings and credit card accounts. I verified at the end of the conversation that all three accounts were closed and they said yes ( I have screenshots to prove. ) Then they kept the checking account open anyway, and charged me a {$30.00} low balance fee, and then tacked on another {$30.00} overdraft fee for the low balance fee. The account is closed. It was verified. Then I contacted the company and they said oops, the account is still open, but there's nothing we can do. They said I could spend the day on the phone with their call center to try to sort it out but they were unwilling to reverse the fees or make sure the account was closed, as they said it was. They plan to charge me ridiculous fees in perpetuity. Absolutely predatory behavior and the company should be sanctioned.
Consumer complaint received 2021-01-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XXXX XXXX, 2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (AZ)

I was co-signer on a lease for a XXXX XXXX through American Honda Finance that ended in XX/XX/XXXX. 

The car was turned in on time and a new lease was entered into for a XXXX XXXX also through American Honda Finance at the same time on which I also co-signed. 

The mileage on the XXXX was in excess of the allowed mileage but because of the new lease the dealer said XXXX the charge would be forgiven, and there were other credits/allowances as well. 

American Honda Finance sent a statement for final charges that was due XX/XX/XXXX. That statement was incorrect as it did not reflect the mileage forgiveness or credits/allowances. 

I received a corrected statement on XX/XX/XXXX and called and paid the amount due that day. 

The statement had been mailed to my previous address even though I had done all the paper work for the new lease in XXXX using my correct current address, so the statement which was dated XX/XX/XXXX did not arrive in my mail until XX/XX/XXXX. 

American Honda Finance tells me they updated there system for the correct amount on XX/XX/XXXX, 4 days after the due date, and mailed that statement dated XX/XX/XXXX, 10 days after they updated the balance for the correct amount, but that I was still somehow responsible for paying it by the original due date of XX/XX/XXXX and because I did not pay until the corrected amount was sent to me on XX/XX/XXXX they reported me as past due and will not correct that reporting. 

That has resulted in a drop of approximately 60 points in my credit score and will impact interest rate on a home financing I am undertaking right now. 

I dont know how I can be accountable for paying a Bill by a date that the company acknowledged to me they did not have correct in their system until after the due date, an issue further exacerbated by the fact that they did not update the mailing address with the information I provided to them with the new lease application. 

The timing of payment being after the original due date of XX/XX/XXXX was all due to their delays in updating the final bill ( XX/XX/XXXX ) and getting it to me ( mailed XXXX to old address that Id updated on application in XXXX ).
Consumer complaint received 2024-02-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MI)

Work up to find a collection on my credit report and my score dropping XXXX points. Collection complany took over XX/XX/2023 for XXXX in XXXX XXXX XXXX XXXX  charges. I called XXXX XXXX XXXX  and they have no record or my name or address ever being used and filed fraud claim.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am going through a financial hardship. Capital One the credit card company of which I hold two cards refuses to work with me. After speaking with them over the telephone and having my attorney write them a letter with my terms/ payment plan they refused to except those terms. My attorney advise me the only thing I could do is wait until they sue me and appear in court to tell the judge what is happening. My credit score is plummeting quickly and I have only missed three payments.
Consumer complaint received 2024-03-19
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NV)

I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). Nel Net has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX frequently. I contacted Nel Net by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with Nel Net XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education on XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted Nel Net verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with Nel Net that they received my letter each time. I have tried to dispute and Net Net still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with Net Nel and I have no negative history. I am requesting that this be removed from XXXX, XXXX, and XXXX.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Hello, and good morning, my name is XXXX XXXX ; and Ive been having banking issues lately. These credit unions have been skimming money from my accounts and mixing up the bank statements so that I cant keep track of the transactions to be able to keep track of exactly how much money I have. Its unfortunate that they would want to do this to me because there really isnt a real reason why they would want to do this to me ; other than the fact that I refuse to join the XXXX. You see Ive struggled financially my whole life, and I know that the main reason why is because they tried to recruit me when I was young and I said no because I truly follow XXXX. However, as I result Ive never been able to get ahead financially and its been by design not coincidental because theres absolutely nothing wrong with me mentally, physically, emotionally, or spiritually. I really do hate to be having to write this, but this conspiracy against my finances is getting out of control. The reason why I chose to write today of all days is because I went to work this morning for XXXX and cashed out for {$100.00} and it didnt show up in my account ; my information is correct they just dont want me to have any money for the big game and my team the XXXX  are in it so they just want to XXXX me off. Were talking about America First Credit Union and I recently left XXXX XXXX XXXX XXXX who started the whole ordeal of the skimming of the money from my account. I had caught them and they gave it back ; the little bit that I noticed, however its honestly making me question how long have they been doing this to me until the point where they wanted to get caught. I mean because lets face it nobody has time to go through their accounts and crunch the numbers of every transaction between each pay period. Nobody has time to do that and they know it. So now Im going leave it to the professionals to investigate, because I dont have time for it. 

Thank you for your time and I can be reached at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
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)

I sent a dispute letter 2 months ago to the credit reporting agencies regarding an account that I am not familiar with. The account I disputed was XXXX XXXX XXXX because I do not have an account with this collection agency and was never informed about a debt that I am obligated to pay. There was no response from the credit bureaus in over 60 days. I am having a hard time believing that an investigation was done. It has also been proven that I was involved in a data breach so it is very likely that my personal information was compromised. This company has not sent me any validating information such as a copy of my photo id and ssn, nor have the credit bureaus. It has been well over the time allotted, so now I am asking for the removal of this inaccurate account. I will be seeking legal action if this account is not removed within 15 days. I will attach the dispute letters that are dated, and time stamped. I will be seeking compensation for the violation of the FCRA if this is not removed immediately.
Consumer complaint received 2024-03-14
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; 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 XXXX XXXX