davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
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: BARCLAYS BANK DELAWARE (MD)

Barclays Uber Visa changed their terms of using the card, as well as the way of using the points. They sent an email about how this change will occur. In their email they talk about Uber Cash, which is a term created by Uber/Barclays and I apparently didn't understand what it means. I thought it as a re-branding of their products, which happens time to time. 
I want to use my points, which worths around {$1300.00}, but they force me to use all this money for uber drives, which is not possible. I was planning to buy a ticket and visit my family, instead, this change made me helpless. 
I believe the change they implemented hurts people and make the company profit way too much. I believe this kind of changes damages trust between the companies and the customers. 

Thank you for the help
Consumer complaint received 2020-02-22
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. (TX)

XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.
Consumer complaint received 2020-02-22
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. (TX)

XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I received the following email from American express on XX/XX/XXXX. 

" We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I called multiple times to find out what exactly I did only to be told I would receive a detailed letter in the mail but I never did receive any letter. 

I had about 5 credit cards with American express ( business and personal ) and I always paid in full and on time with no issues since XXXX.
Consumer complaint received 2017-05-31
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I submitted a complaint  XXXX  against Chexsystems on     XXXX  17     Regarding an issue with  XXXX  being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual.  <P/> I also have a complaint into   XXXX   XXXX   Regarding this matter also submitted on     XXXX    XXXX   XXXX  says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today   XX/XX/ 17   . I have Phoned   XXXX   XXXX    Directly How is it  that   XXXX   XXXX   Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and  XXXX  was able to give them the full information regarding my issue?  <P/> I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WA)

The CBE Group at XXXX XXXX XXXX XXXX calls me repeatedly during the day and if there is a representative on the line, they say nothing. There is no response to multiple repetitions of " Hello? '' and " Is anyone there? '' After multiple days with multiple calls like this, I called back and spoke with a representative today and requested that they stop calling me and saying nothing and stop calling me during work hours. Not four hours later, I got YET ANOTHER call from them. This is n't even a legitimate debt, but that 's a separate bone to pick - they need to stop harassing me.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Someone was using my first name and my last name capital one account They were using a platinum card under my name Capital One found it is a valid fraud and I was told I was going to be sent a letter concerning invalid fraud and still have not got the letter.
Consumer complaint received 2021-04-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and TransUnion has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

XXXX has accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

Transunion has a XXXX XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tri-State Adjustments, Inc. (WI)

I was an employee of this company and resigned on XX/XX/XXXX and was threatened with a law suit for outstanding medical bills all the way back to XXXX they put a {$2000.00} lawsuit on us because this was a day I had requested off the employer knew this I gave a proper 2 week notice before we were scheduled to be out of town XX/XX/XXXX through the XXXX of XXXX employer knew I wanted it off from a previous month working part time and refused to give me these days off. I found out that they had a lawsuit against me and my family from previous medical bills dating all the way back to XXXX scheduled for XX/XX/XXXX court appearance. I knew I would not win this case so we paid a total of XXXX XXXX dollars to bonded collections and we set up a payment plan for outstanding bills on the Clinic and Hospital side of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Same company ) of XXXX Wisconsin. We went to the clinic and asked did we need to pay anything else and we paid for the current bills we had. they told us we were free and clear and said we owed nothing else since everything else was put on a payment plan. needless to say I check my husbands credit report and they submitted a bill from XXXX and XXXX to XXXX XXXX XXXX XXXX. after telling us we did not owe anymore. then told me on the telephone that it was submitted in may yet the credit reporting agency said it was submitted XX/XX/XXXX by this clinic which is the same company as the hospital this is WRONG on every level!
Consumer complaint received 2020-02-22
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. (TX)

XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (OH)

US bank closed my account over a {$36.00} overdraft fee that US bank refuses to refund. When I received the check from US bank when I go to cash the check at XXXX to avoid US bank XXXX told me I had to cash it at US bank so I did. when I arrived at US bank to cash it I was charged {$7.00} for my money that US bank closed and when I asked for a receipt that the check was cashed US bank refused to give me a receipt
Consumer complaint received 2020-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

My son is covered by XXXX and the Medical office XXXX XXXX in XXXX XXXX billed incorrectly and sent his account to collections. The office fixed the billing issue and XXXX paid the bill but the debt collection agency has not removed the account from credit report. I have filed no less than four official disputes through XXXX, XXXX, and XXXX to get the account removed. My next step is to hire an attorney and sue to get it removed.
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/XXXX, I purchased my new home from the builder XXXX for {$300.00} and after it. I got in bad loan negative amortization when I did refinance with countrywide I have on that time {$50.00} equity so loan officer closed it and put me in negative amortization loan and never seen my equity and he start hiding from me. I tried to fix it to get back to normal loan because my house had equity at that time but countrywide doesn't wont to do it. After a period of time when I tried to bring my loan to a normal fix rate, the countrywide loan officer didn't answer and was hiding him to meet me. Next year we have a hard time with my wife because she had XXXX and lost her job and i couldn't afford to pay a mortgage because I worked not full time on my work. I tried to call countrywide to fix that problem but they didn't do anything to help us so we have delinquency at that time. I was calling to bank fighting to save our home to make an affordable home loan payment but countrywide no answer on this issue. Throughout this time when the housing market crash was happening, I did not leave my home, I wanted to save my house and was trying to do a home modification with that company but they were not responsive and did not want to help. After the bank of America purchased all of the countrywide  home loans, I started to work with the bank of America to work on home modification and I wanted them to work with me on my loan and help with my negative amortization loan. The delinquency on my loan grew, so in XX/XX/XXXX finally, the bank of America offered me a home modification, but in the modification program they did not offer me a reduction of my principal balance which actually made the situation worse and made the loan that much more unaffordable with {$390.00} of the principal balance. They took all of the countrywide 's mistakes and pinned them back into our loan. I am asking for assistance for helping me keep this home and help work with the Bank of America to reduce my principal balance and give us a fixed rate for this home loan. I already paid back a lot of money to loan bring back {$340.00} but still can not bring to the actual current loan balance. So I ask to help to do Bank of America reduction of the principal balance of my loan to make me affordable payment and make my loan to with fix rate of 30 years loan to keep my house which I actually keep in good condition and I feel as I living not at my home but worse than renting home.
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mr. Cooper Group Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR DBA MR CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (OR)

I sent a remittance on the wise website. I made a mistake when filling in the beneficiarys account number. The beneficiarys account number is XXXX. This remittance has been completed. I hope the receiving bank can return the money. Thank you very much. 

Amount : U.S. Dollar amount Recipient Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Number : XXXX For the Benefit of ( XXXX ) : XXXX XXXX XXXX XXXX Bank Account Number XXXX
Consumer complaint received 2020-02-22
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. (GA)

I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

773.69 % interest rate I borrowed XXXX in XXXX XXXX I have to pay back XXXX by XXXX XXXX. XXXX in deducted from my back account every week. To date I have paid back over {$2000.00}. This is a predatory loan. I cant afford to keep paying out another 8 months. When calling and talking to them about deferring a payment they want me to double up the following week. I need to reach a settlement agreement and stop authorization from them taking money out of my bank account.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-14
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. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXF Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX   Account Number : XXXX DEPT OF EDXXXXE Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX  XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX
Consumer complaint received 2020-02-22
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. (NJ)

Method of verification On multiple occasions I requested verification from the credit bureaus to which they have responded with verified ( attachments ) .i have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.
Consumer complaint received 2020-02-22
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. (NY)

I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the Equifax data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-22
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. (NY)

I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the XXXX  data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I have a credit card with Citibank that I have had since XX/XX/XXXX. Recently the minimum payment increased significantly. I inquired with Citibank. The representative explained that there were two balance categories on which interest was being charged.

In reviewing several periods worth of statements, it became clear that Citibank was applying my payments to the lower interest rate segment first, maintaining a balance on which over 20 % interest was being charged. This appears to be a violation of the CARD Act of 2009 As can be seen in the attached statements, the balance has not decreased. {$240.00} of payments were made during the period and no new purchases.

{$20.00} in XX/XX/XXXX {$20.00} in XX/XX/XXXX
Consumer complaint received 2022-12-01
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 XXXXXXXX XXXX
Consumer complaint received 2021-02-18
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: TD BANK US HOLDING COMPANY (NY)

TD AUTO FINANCE LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with TD AUTO FINANCE LLC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FINANCE LLC for review or collection.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equifax will not freeze my credit or allow on-line access to manage my credit ffreeze.

I attempted to set up an Equifax on-line account and Equifax failed to enable the account. I followed the on-line process to have a code mailed to my address. After the code was received and entered the on-line account still did not allow access but said I had to call. After calling Equifax I was told I had to send a letter with a photo copy of ID ( license or passport or ... ) I sent a letter with a photo copy of my passport. Much later I got a letter from Equifax stating that I basically don't exist or maybe I am not a US citizen ( despite the fact I supplied a copy of my US passport ). I do not know how to resolve this issue after spending a lot of time on it already.

Note : I was able to easily freeze my credit on both XXXX  and XXXX  web sites.

I do have significant credit history with multiple credit cards, etc. so Equifax can find my information.

After Equifax 's negligent handling of my most personal information resulting in it being compromised it is amazing that Equifax is seemingly being obstructive in freezing my credit.