davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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. (CA)

I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (DE)

I was trying to get a loan to help for school this fall ( for my daughter ). Well I was told about some bankruptcy information I do not recognize at this time. The CRA stated Lexisnexis provided this information, so we sent a letter to lexisnexis disputing this information. We never heard back from them and while lexisnexis is a huge database of personal information this is not acceptable. I read on the ftc website they have to respond in 30 days and that did not happen.
Consumer complaint received 2020-03-28
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: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I did a balance transfer for a 0 % rate with HSBC back in XXXX and just realized today ( XX/XX/XXXX ) that I've been getting charged over 16 % interest on it. I have never received a statement or a letter telling me I wasn't getting the 0 % and in reviewing finances today saw this. I attempted an online chat with the company then had to call twice and explain the situation having been disconnected the first time and was told that the offer expired XX/XX/XXXX but they didn't process it until XX/XX/XXXX which is why I didn't get the offer rate. I told them I didn't agree to paying the higher rate and someone should have contacted me to ask if I still wanted it processed. I paid it off immediately today after finding this out but want them to refund the finance charges as I've now been charged {$560.00} I wasn't expecting on this over the last 9 months. I feel as though I've been cheated and am blown away they could do this without notifying me that I would paying over 16 % on this, I never would have had them process this balance transfer had I known that. They said they can refund me {$26.00}, a half month of finance charges but that is it. I have asked for it to be further elevated but I'm not confident that they will.
Consumer complaint received 2020-03-18
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: CITIBANK, N.A. (CA)

Citibank lowered the credit line on my Mastercard from {$4000.00} to {$3300.00} for no known reason. I have paid every payment on time, all my debt is current, and I am not in default on any credit account This action is the as the result of one or more of the following events : I am XXXX  I am a male I am a XXXX I am married to a woman I am over XXXX years old There is a Shelter in Place in the County where I live.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX Transunion started charging me a monthly hidden fee that I was competely unaware of until this month. I am XXXX and did not sign up for a monthly service from them. I was completely unaware that they were charging me {$21.00} every month and charged me the last payment of {$27.00} on XX/XX/XXXX. 

I have called them and they have refunded me 3 months of payments totaling {$70.00}, however, I would like to receive the rest of my hidden charges back due to the fact that I did not utilize or sign up for this service to begin with. I have done ample research into this issue, and apparently the company has been fined over {$300000.00} already for misleading consumers and taking money out of clients ' accounts who did not even request Transunion 's services. 

This is the same thing that has happened to me. Since I am XXXX, I did not realize this was happening until recently and am prepared to take all actions necessary to get my money back. It is unfortunate and sad that this company would take advantage of a XXXX young woman like myself.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that has already been addressed as part of an identity theft investigation, I've asked the credit reporting agency to rectify this issue they have deleted the inquiries associated with this account but non the account itself. Waiting for resolution
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at XXXX but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One had a law office file suit on their behalf. When contacting the law office, they informed that they will not enter into a repayment plan that is not beneficial to the client who refused any repayment plan that was greater than XXXX years. Was informed they didn't care if it would cause financial difficulties as the client was the concern. Explained that FDCPA required them to not force repayment plans that would financially hurt the debtor. They informed no, and caused account with bank to become XXXX, preventing payment to electric and other bills. Now they are calling constantly but still refusing to work in good faith on a repayment that works for myself and not cripple me. 

Probably contact Capital One about repayment but their best offer was to repay it in XXXX months and been in good standing or repay it in XXXX months to close the account. This would put payments at {$800.00} each month for the XXXX month or {$3600.00} each month for XXXX months. This is not viable for myself or anyone who is working below $ XXXX annually.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

Had an issue with my Citibank Double Cash credit card. Tried making purchases and it was getting declined and I was unable to use my available balance even though it was paid. This credit card advertises a benefit of XXXX XXXX cash back after making a purchase and payment. I called customer service with my issue and was told they would put a {$200.00} credit on my account to compensate me for the tangible loss I had putting more than $ XXXX in purchases on a different credit card. This did not happen. They only put {$100.00} credit on my account. Spoke to XXXX who declined to give his last name or employee number who told me there was nothing else they can do. This is contrary to Citibank telling me that {$200.00} would be refunded back to my credit card.
Consumer complaint received 2020-04-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, transunion, XXXX.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XXXX XX/XX/22 Coinbase to XXXX for tax payment to XXXX supposedly I am being told to pay another XXXX before my funds will be released from crypto trading on XXXX.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (TX)

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX/XXXX-XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

I had a Mortgage loan with Sun West, and in XX/XX/2019, I had my loan refinanced by XXXX XXXX, the loan was paid in full to Sunwest on XX/XX/2019, but the problem is Sun west is reporting the the Credit agencies that I was late 30 days in the month of XX/XX/2019 and XX/XX/2019, I have called them several times explaining the mistake they made, and still SunWest do not fix the issue, Also I have contacted the Credit agencies especially XXXX  to try to address and get it fixed, but XXXX  is not taking any action to correct my credit report, even I have provided withe the proof that XXXX loan was paid off on time to Sunwest, also SunWest had acknowledged that there was an error on their part, however since XX/XX/2019 still has not fixed the mistake they made with the credit agencies
Consumer complaint received 2020-03-18
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. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2024-04-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

***This is not a duplicate request***** On complaint ID XXXX, Bank of America did not comprehend my request. On my XXXX and XXXX credit report where you will see attached below, I have a late payment on XX/XX/XXXX. In the same complete above, they stated that I made the last payment on XX/XX/XXXX of XXXX that satisfied my payments for that card. Why do I have a late payment on XX/XX/XXXX? That is incorrect reporting And need this corrected. This is not a duplicate request as they did not fully Investigate as to why I have a late payment from this year.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (VA)

On XX/XX/XXXX I received a collection notice from American Coradius, International, LLC trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from XXXX XXXX  which I have never done business with and when looking for their physical address found four locations. Apparently they used to be XXXX XXXX loans and their CEO XXXX XXXX left XXXX when it separated itself from XXXX. XXXX apparently bought all of XXXX 's credit accounts but I have never used XXXX  either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX. When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from XXXX XXXX and American Coradius, International, LLC should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.
Consumer complaint received 2020-04-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I was homeless I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. Equifax, XXXX, XXXX.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WV)

I was checking my credit report & noticed someone got an Amazon XXXX  Visa card with a {$10000.00} credit limit in my name. I have never received this card. It was opened in XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AZ)

Hi Team, I have initiated Transfer to XXXX ( XXXX XXXX  ) on XX/XX/2020 through Western Union and promised to complete the transaction on 2 working days. 

Tracking # ( MTCN  ) : XXXX XXXX XXXX Its been two weeks and receiver bank / account not get received amount so far. 

i have raised complaints on both to XXXX and Western Union regrading issue. 
XXXX confirmed they were not able to track transaction and asked me to get in touch with Western Union. 

I have tried all possible ( Mail / Chat / Phone support ) options by raising 10+ service requests and no valid response / resolution from Western Union . 

Last Message received from Their Chat customer executive : XXXX XXXX XXXX ( XX/XX/2020, XXXX XXXX  ) : I apologize about the problem you had but presently XXXX is facing issues in their Banking system, you can check on the banking new in XXXX for the month of XXXX. 


IF Western Union Partner bank is having issue, how could be responsible for delay Can you please help me on this issue.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (GA)

Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes.
Consumer complaint received 2020-03-18
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: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/XXXX, i filed a dispute with my american express serve card for a tv purchased from XXXX for XXXX that was supposed to be delivered on XX/XX/2020. It was not and was delivered on XX/XX/XXXX while ibwas offshore. An 65 inche tv was left on my porch and stolen and i called XXXX and notifird them. They were supposed to give me my money bavk since ny item was more than likely stolen and never received by me. I filled out the dispute form and it has been 50 days since i have heard from american express and inhave just been laid off and need my money back.