davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NY)

On Friday, XX/XX/XXXX I wanted to send {$5000.00} to someone in XXXX, XXXX. I use Western Union because the banks in XXXX don't have cash for withdrawals. I have been sending to the same recipient between {$2000.00} and {$5000.00} every month since 2016, since he runs a program supported by my nonprofit organization. 

This time, when I went to send the online money transfer, I got a screen asking me to provide my bank account number and login ID and password, allegedly using a service called XXXX. The URL on the page said I was on a Western Union site. I called both Western Union customer service and our relationship manager at XXXX, and neither of them could tell me anything about whether XXXX is secure. I did not feel safe providing my bank log-in to a site with no way for me to know if it is safe. 

I wrote to the Executive Services office at Western Union and I asked my XXXX representative to escalate my question to someone at XXXX who could tell me if they endorse this procedure, but no one responded.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (MD)

I was a customer of PNC Bank. I had a personal checking, money market savings, business checking, business credit card, and auto loan all with this bank. 

I received solicitation from PNC on or about XX/XX/XXXX for a promotional 0 % APR balance transfer for business credit card. On XX/XX/XXXX I took advantage of this promotion and completed a balance transfer of {$5800.00}. They increased my credit line to complete this promotional balance transfer. On XX/XX/XXXX I received multiple letters from PNC for each account held with PNC stating that they will close all account on XX/XX/XXXX. There reasoning was that " they reserve the right to close accounts ''. 
Contacting them directly did not provide any more information. 

They closed the credit card account that we completed the balance transfer. And removed the promotional 0 % APR and now is charging me finance charges on this balance. 

I do not understand why they closed all of our accounts. We had done nothing against their policy. We moved all funds and opened new accounts at another bank. The issue we are having now is that the solicited us to do a balance transfer and almost immediately closed the account and removed their promotion. We pay {$500.00} a month and not missed a payment.
Consumer complaint received 2015-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (GA)

I went to XXXX at XXXX University and I applied with a private loan to XXXX for XXXX to pay for school expenses. This was in XXXX I have never once received any documents from XXXX or any other company stating that my loans were being sold to anyone else. I graduated from XXXX University in XXXX, and started XXXX XXXX in XXXX in all this time I still had not heard anything I 'm thinking that my loans are with XXXX XXXX and XXXX only. So in XXXX I was served with some papers at my Mom 's old house that I had n't stayed at in years. So I ended up getting a court date in XXXX XXXX with a Law firm by the name of XXXX I have never heard of them. Stated that they were representing XXXX XXXX XXXX XXXX XXXX I still have no clue who these people are. So I went to court in XXXX Ga and I explained I wanted to see paperwork because at the time I had no clue who was the lender and the judge told them to provide me with proper documentation. They never did I filed chapter XXXX bankrupt in XXXX of XXXX and I 'm full aware that student loans can not be discharged in BK and that 's not what I wanted. So in XXXX of XXXX my mother was XXXX and I had not worked from XXXX XXXX XXXX of XXXX with no pay. I get my third paycheck of the year and saw a Writ of Garnishment on it I was so confused. So I filed a adverse with the courts and had to go to court in XXXX XXXX Ga today and the attorney office that was represented was the same which is XXXX which again they did n't seem to care and which I understand. The attorney that showed up today showed me which loan it was for which was XXXX in the amount of {$5000.00} which now they are claiming I 'm owing almost {$10000.00}. I just checked my paycheck voucher and they have taken XXXX so far from these pass few pay checks my last pay check on the XXXX was for {$570.00} I can no longer live like this I 'm going to be homeless soon and these people do not care. I told the attorney I will pay them {$200.00} a month but almost {$600.00} is ridiculous so what do I tell XXXX-My car company-insurance-rent and other utility companies? XXXX XXXX do not pay me nothing but {$29000.00} a year I 'm barely making it. So I 'm filing an complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX- If I 'm evicted what do I suppose to do nothing live on the streets of XXXX. This is suppose to be America education is preached and taught, but when we have to go through things like this you lose all hope as a citizen who pay their taxes.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone is using my name and using a California EDD card for many purchases in XXXX, California. I do not live at XXXX XXXX XXXX XXXX in XXXX, California. I have reported this to the California EDD and FTC with no response and continue to receive monthly statements which shows all the illegal activities.
Consumer complaint received 2019-04-15
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. (MA)

I have disputed a fraudulent account with Experian and XXXX XXXX several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score. 

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.
Consumer complaint received 2023-08-02
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. (TX)

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 U.S.C.1681 XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Consumer complaint received 2023-08-02
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. (GA)

this company is violating my privacy rights according to the privacy act of 1974. i tried reaching out to said company and got no response yet. i reached out sometime in about XXXX. no answer.
Consumer complaint received 2019-04-15
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: JPMORGAN CHASE & CO. (MA)

This dispute has been going on for almost 2 months originally filed with CHASE XX/XX/19. I have spoken to XXXX who is the vendor for the charge and they stated they did not charge me, and I have confirmation of this on XX/XX/19. I have physically sent Chase explanations and correspondence emails from XXXX confirming they did not charge me. I have provided documentation online on the CASE .Com website as well as several calls to both BOTH Chase and XXXX . I have called and spoke to several reps on several occasions to complete any additional questions they had, and mailed in the information. They have closed and reopened new disputes and have again closed the dispute. I do not have anything to show or ah confirmation of this charge, and neither does the merchant XXXX from this charge other than the hassle of having to contact you to clear it. I have been a Chase customer for over 18 years and this is totally unacceptable to be charged {$420.00} and they are not resolving it.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I moved out of my apartment at XXXX XXXX in XXXX on XX/XX/2022. I received a Final Notice of move-out charges totaling {$390.00} on XX/XX/2022, which was also the first notice as I received no other correspondence regarding this matter either through email or regular mail. They are trying to charge me for upkeep of normal wear and tear, specifically replacing a carpet. Both the terms of the lease and Florida law state landlords are responsible for maintenance of normal wear and tear. I started the dispute process with the landlord through email, and they were unable to provide me with information on why I should be charged to replace the carpet. The only explanation they were able to give me was that it was " excessive wear and tear '' and the carpet 's " usefulness '' had been used up, but were unable to provide specifics on either of these descriptors. In the middle of me disputing these charges my previous landlord stopped responding to me on XX/XX/2022. After not responding to me for 2.5 months, the landlord sent my account to collections and is now saying I have to bring up all disputes with the collections agency. I believe the " debt '' the landlord sold and the collections agency is pursuing is illegal. The collection agency also did not provide me with their license to collect debts in Florida after I formally requested it.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

Equifax is reporting a consumer statement on my credit file that I did not authorize them to put on my credit file for creditors and lenders to see it is affecting my ability to get credit and hurting my credit personally they refuse to remove the unknown inquiries and refuse to remove the consumer statement that they have on my file I wrote a complaint about equifax and they used that complaint and put on my credit file as a consumer statement for others to see and I did not AUTHORIZE THAT. They are violating my fcra rights and my consumer rights as a consumer I want that statement taken down ASAP
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (GA)

I have already filed a complaint against Equifax and the company who wont remove a closed account on my file. Company name is XXXX is showing on my credit file as " charged off '' " negative ''. I have never had an account with this company XXXX. I disputed and filed a claim against their debt collection company name XXXX XXXX which has since been removed. But their original company XXXX has remained as closed account on my credit file. I have already stated neither accounts belongs to me! This company XXXX has yet to prove this account belongs to me. According the FCBA this company needs to prove this account belongs to me, otherwise stop reporting to my credit file.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear CFPB, I am writing to notify CFPB of Capital One 's unethical and unfair credit card online payment and late fee practices. 

I'm a first generation college student and ran up some debt while working on my XXXX XXXX. I have two credit cards with Capital One that I plan to pay off by the end of the year, but I've had to make smaller minimum monthly payments in the meantime due to my financial situation. 

Most credit card companies allow their customers to pay their monthly dues online up until midnight on the due date. However, Capital One only allows their customers to make online payments until XXXX. 

Unfortunately, I missed the XXXX threshold three times over the past month because I was either not awake or in an area without internet access ( e.g. the subway ). Nonetheless, I still scheduled my online monthly payments before midnight on the due date, which Capital One processes as late payments on the following day. 

I was charged three late fees as a result of missing Capital One 's XXXX cut-off over the past month -- {$40.00} on XX/XX/XXXX, {$29.00} on XX/XX/XXXX, and {$40.00} on XX/XX/XXXX. 

I have already been in contact with Capital One on XX/XX/XXXX and XX/XX/XXXX to see if they could waive these late fees since I tried to make my payments on time and in good faith. They told me there's nothing they can do about it. 

Paying {$100.00} in late fees for missing Capital One 's XXXX cut-off is theft. I remember when Capital One 's credit card late fee was around {$10.00} not too long ago. Why does the U.S. government even allow predatory companies like Capital One to raise and charge late fees this high? 

On behalf of U.S. citizens and consumers, I am requesting that CFPB investigate Capital One 's online credit card payment and late fee practices and hold them accountable in court. Customers who have tried to make their online payments on the due date before midnight should be refunded.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See attached. 
According to the FCRA website, Willful FCRA violations : Legally speaking, a willful FCRA violation must have been committed knowingly and recklessly. Plaintiffs in these cases may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have provided all four necessary documents over four business days ago and still these reporting agencies have failed to uphold my rights as a consumer by deleting these accounts. These consumer reporting agencies are violating my rights every day over the 4 business days they are given by the law to resolve this alleged identity theft. As of today they are violating my rights for 4 business days.
Consumer complaint received 2019-04-15
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: Experian Information Solutions Inc. (NC)

I sent an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WI)

Citibank approved me for multiple XXXX XXXX credit cards. I followed all of Citibank 's requirements for receiving bonus miles associated with opening the credit cards. XXXX XXXX bonus miles were deposited into my frequent flier account with no problems. Nothing out of the ordinary. 

Today I receive an email that XXXX XXXX is shutting down my frequent flier account for " exploitative practices ''. Literally the only practice I did was meet bonus requirements on credit cards that Citibank APPROVED me for. 

I don't think it is right that Citibank can offer bonuses and perks to third parties, via their credit cards, only to be shut down by the company for which the bonus was intended. 

Again Citibank APPROVED me for multiple credit cards, with bonus offers for meeting certain requirements. Requirements were met, bonus miles deposited into third party frequent flier account. Frequent flier account terminated today for " exploitative practices '', when all I did was open credit cards that Citibank APPROVED me for. 

Is Citibank offering bonuses to third parties on credit cards, knowing that the consumer will have their relationship with the third party terminated for " exploitative practices ''? Did Citibank KNOWINGLY APPROVE me for credit cards with bonuses that they knew I ultimately would not receive? Why approve me for multiple cards if the third party company does not want me to have multiple cards? What is going on here? 

BAIT AND SWITCH!!!!
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX continues to report inaccurate data onto my credit report with XXXX and Experian. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to XXXX and Experian and XXXX and Experian continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX systems and XXXX both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX <<<< This complaint was made regarding two separate accounts listed by account number. This is not. A duplicate or repeat complaint this is a new complaint.
Consumer complaint received 2019-04-15
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 (MD)

XX/XX/2017 I had filed for Personal Bankruptcy via Chapter XXXX. In the XX/XX/2017 the trustee of the Bankruptcy Court would not accept the Chapter XXXX filing due to the income levels stated by the laws of MD. Instead of pursuing Chapter XXXX case the trustee dismissed the Chapter XXXX filing. This is showing on LexisNexis as Chapter XXXX discharged. Then they are selling this information to XXXX, XXXX and XXXX XXXX as accurate information. I've spoken to the clerk of the Bankruptcy Court. In way, shape or form do they pass, sell this information to any Credit Bureau. This inaccurate information has to bought via XXXX  or some system that mines and sells public information. I've been negotiating with creditors to resolve debt. I can't have inaccurate information on my report if the debt on my original filling was never discharged.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

I received a call from Synchrony Bank re a fraud on a Steinmart credit card, XX/XX/XXXX. I cancelled the card that date. They automatically took XXXX out of my checking account when the account had been closed, this was done on XX/XX/XXXX. 

I checked the bill, called the company on 4 different occasions, was told I would receive a credit of XXXX for the amount taken out of checking account. 

There is no-one that can help me, no supervisor, just an endless amount of people that no nothing about the situation although all the notes are in my file. 

I have written to the synchrony bank XXXX XXXX XXXX XXXX, florida XXXX. 

I have asked for a supervisor in fraud department, and was told I can't talk to one. In the meantime, they have illegally taken XXXX out of my checking account on an account that was closed on XX/XX/2019.