davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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. (IN)

The credit bureaus clearly don't know how to conduct a proper investigation I disputed the accuracy of this bogus account on my credit report and it came back verified. HOW??? Each bureau has different dates???? How is that even possible? At this point just remove it from my report. No investigation needed, I the original creditor did my own investigation and this bogus account is erroneous and shouldn't be own my consumer report. REMOVE immediately or I will have to seek litigation. There's aslo an account that two bureaus removed due to inaccuracy but one bureau is still reporting it. Remove it.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (GA)

MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX XXXX XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, 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: Credit Karma (PA)

I do not have a credit score. I need one. I am trying also to have the best credit score and buy anything on credit. i am trying to have a 800 credit score at least. I need to purchase things. i think the credit companies need to give better and higher credit scores. I always paid my bills on time. I need to buy a car without a cosigner and a house. Please fix this and a major credit card. Thank you. Credit Karma is not even showing my credit score. I need the companies to show my credit score. I need the most help.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VT)

I have an account on binance.us with several thousand dollars of USD and virtual currency in it. In XX/XX/2021 binance.us disabled all functionality on the account. I can still login, but can not withdraw my funds. They have said I must verify my account, which I have tried to do multiple times over the past 8 months. I have sent them information that they have requested, such as photos of my state driver 's license, US Passport and bank statements, and still they have not resolved the issue. 

All I want to do is withdraw my funds and close my account. binance.us is a very sketchy company.
Consumer complaint received 2021-10-26
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 (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount CAPITAL ONE XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} CAPITAL ONE AUTO FINANCE XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-26
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: FC HoldCo LLC (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you.

Account Opened Amount FLAGSHIP CREDIT ACCEPTAN XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-26
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. (TX)

XXXX was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.
Consumer complaint received 2021-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CO)

I purchased two pieces of furniture a bed and a side table from XXXX XXXX located at XXXX XXXX XXXX XXXX, CO XXXX ~ phone number XXXX XXXX. 
They offered a system of financing through ACIMA. The total amount for the financing upon XXXX XXXX was {$360.00}, however, ACIMA is saying it is a difference upon them is {$400.00}. I agreed to the financing and to do it in three equal payment installments a month deducted twice a month from my bank account and or DC. This remains between a 90n period to not incurred in interest after this time. 
When I talked to ACIMA we discussed these terms and ACIMA agreed to collect funds and send a proper warning about deadlines payments. 
I reviewed my bank statements and noticed that ACIMA has not collected the entire full amount of XXXX by XXXX, instead they in the last month of the 90 day they only collected XXXX. The current amount showing it was taken from my account was XX/XX/1940, XX/XX/120, XX/XX/XXXX XXXX and XX/XX/100 XX/XX/XXXX XXXX A total of XXXX remaining bce of XXXX. 
This company ACIMA did not take the funds from my account as agreed either they sent any warmings of upcoming payments and deadlines. They instead deceived me by not taking the last full payment and now out of a balance of XXXX they increased that balance with interest to {$560.00} alleging that I owe that money, when I paid 95 percent of the total amount financed. This is an increase of over 1200 percent. This is not only predatory but an scam. 
Please I need help investigating the fraudulent business practices of these companies. The phone call recordings I had with ACIMA about payment terms should be in their database. 
The contract number with ACIMA I was tol is XXXX Thank you for your help
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (MD)

The annual fee of {$140.00} posted to my account on the XXXX statment. I called the bank just before the due date to pay and requested to close my account. I asked to have the annual fee reimbursed, which in my understanding is the procedure that the bank is legally required to do. The representative on the phone said they would not do it because they had instituted a new policy that they don't do it. 

I just now on XX/XX/XXXX received my XXXX statement dated XX/XX/XXXX. I am not sure how it took so long to arrive but I assume they did not send it untial recently. That statement indicates an interest charge of {$1.00}. 

I have logged into the Banco Popular website and downloaded my XXXX statement, dated XX/XX/XXXX. This has not arrived in my mail. This statement indicates a past due charge of {$29.00} and additional interest of {$1.00}. The total due is now {$180.00}.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (TX)

My name is XXXX XXXX, I have been with Honda since XXXX. I am contacting you in regards the account # XXXX. I been paying my notes on time for the past 10 years for two accounts. The account I mentioned was for the leased XXXX XXXX XXXX. I made the decision to purchase the car since I love Hondas. The purchase occurred on XX/XX/XXXX at Honda XXXX XXXX, however the final payment was sent to Honda Financial Service on XX/XX/XXXX. I have sent letter from the dealer showing it was their fault sending the payment late. the late payment was reported in my account on the XXXX of XXXX. 

I have been trying to resolve this since XX/XX/XXXX. I have called many times, I sent letters to XXXX  as I followed everything he asked me to. My account was set on autopay, I never been late, I have no intention to be late. It was the last payment. So I kindly request considering me being Honda customer since XX/XX/XXXX, never being late, and this being the last payment, and being its the dealer fault submitting my final payment 15 days late, so I kindly request to remove the inquiry on my credit report of this late payment. Please remove this late inquiry from my credit bureau since it was not my fault and I feel tight and powerless not able to have my rights and protect my credit report from others fault.
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Robert J. Colclough, III (NJ)

Around   XXXX   of this year, I pulled my annual credit reports and noticed a collection on my   XXXX   report. The amount at that time was for around {$3500.00}. I disputed this immediately with   XXXX   and also sent a debt validation notice to this company. I have not received a response from the company as of today. I have also disputed this collection twice with  XXXX . Both times the collection account as went up in amounts. This is a very unfair practice of not validating debt.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with experian on XX/XX/XXXX2022 because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX2022 and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX2021 - until paid off on XX/XX/XXXX2022 after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
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. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XXXX/XXXX/2022.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

I have a Home Depot Credit Card and I logged in to pay my credit card and discovered over {$4000.00} interest charge. The interest charge as stated on my statement was to be 25.99 % of my balance which was {$2000.00} something at the time. I called to question this and they said the interest was actually 2 times this and for the original total balance which was {$8000.00}. This was never explained to me. How can you charge interest on something I had already mostly paid off?
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XX/XX/2020 and XX/XX/2020. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX {$270.00} XXXX- XXXX-Balance {$0.00} XXXX-Balance {$290.00}
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I, XXXX XXXX, credit application was denied by American Express on XX/XX/2021 due to negative markings on my credit report.

Under 15 U.S. Code CHAPTER 41, SUBCHAPTER IV : EQUAL CREDIT OPPORTUNITY ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

Under 15 U.S. Code 1691a - Definitions ; rules of construction ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.

( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (PA)

I applied for the Comenity Bank/XXXX Mastercard . My application was denied due to a freeze on my credit account. None of my credit bureau accounts are frozen, and I double checked this as well. This is not a legitimate denial. I proceeded to call Comenity Bank, and after being transferred several times, I reached the proper credit review department and they asked for my reference number. I didn't have the document anymore with the reference number, and so they told me they couldn't help me. Now I have a credit inquiry on my credit report that is incorrect, as well as a denial that I can not properly confirm to be accurate.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2021-10-26
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. (PA)

On XX/XX/2021, I sent letters regarding unknown and inaccurate items listed on my credit report. More than 90 days have past without a response of any kind and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 91 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Consumer complaint received 2021-10-26
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)

On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the XXXX data breech and is most likely in the hands of the wrong people.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Good evening. I had a credit card that I used that was mine an yes I use it often but one day I get a credit card that said XXXX  XXXX which I never applied for but I remember from my last marriage how my ex-wife knew about my personal information containing my social security number I called the company an told them it wasnt me who applied for the card an they couldnt do anything but bill me an now its very bad where its in collections an I dont know what to do can someone please help me
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

In process of moving, I maxed out my Capital One credit card with a limit of {$1000.00}. So I yesterday, over the phone, I authorized them to withdraw {$550.00} from my checking account, which SHOULD have left {$440.00} balance available on that card. The {$550.00} came out of my checking account today, but was not credited to my Capital One card account. ( That Capital One credit card number is XXXX ) So I called Capital One and was told my credit card would stay maxed out, until the payment is processed, on the XXXX!!!! I told them that is XXXX, deducting it from my checking account on the XXXX, but not posting it to my credit card account until the XXXX!!!! Can they legally do this XXXX??? I KNOW they are earning interest on MY money for those days!!!! The Federal government doesn't view this as fraud or theft??!!?? Multiply it times XXXX, XXXX customers that they are pulling this scam on, it makes XXXX  XXXX  look like petty crooks!!!!!
Consumer complaint received 2021-10-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WLCC (MI)

I have contacted this company regarding this debt and was never put in touch with a live person. The lady said that someone would call me back and a few minutes later I got a call from a number that I did not know. I dialed the number back and it was a XXXX XXXX number. Totally feel scammed