davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I was on XXXX  website booking an airplane ticket for my daughter and on the last step where I had to pay the ticket ( {$170.00} ), a pop-up appeared saying that if Im approved for an American Express Delta SkyMiles credit card Ill be receiving {$200.00} statement credit, and it was displayed exactly the following way : {$170.00} - {$200.00} = {$22.00} credit ( Offer or Promotion XXXX ) Looking at this, one would assume that the statement credit would appear immediately and it would take care of my purchase, or probably this how they are trying to mislead their clients!!!

Once I clicked on the pop-up window, it took me thru the application process and it did NOT mention that the credit will show up on my statement after 6-8 weeks. I did receive the monthly statement but I didnt pay it thinking that the statement credit will take care of it and on the next cycle it will show up as a credit of {$22.00} as advertised. When the next statement came I had late fee and interest charge, so I called the customer service and I was told that I had to pay it in order to get the statement credit, and I did so over the phone ( or online ), and I was told that the {$200.00} credit will appear on my next statement. I have been calling them since XX/XX/XXXX and every time I get the same answer, it will show on the next statement and I was issued 2 case numbers ( XXXX & XXXX ). Finally, this week I requested to talk to a supervisor and she told me that since I didnt pay on time my first statement I disqualify for this offer.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

CASH App is engaged in fraudulent practices, CASH App, XXXX  and allegedly several other banks are money laundering stolen checks. Each time I open the XXXX  App, I get a code, although I have not enrolled in 2-step validation. Subsequently, when the code is sent, I receive a push notification from CASH App. The notification shows a transaction, however, it does not reveal the amount or to whom the transaction was done. 
The transactions are also not on any statements. I have been notified that several people are receiving money deposits in their CASH accounts and I have been informed that here in XXXX, Alabama people are receiving large sums of money.
Consumer complaint received 2019-04-02
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. (OH)

Have sent letters to the XXXX credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.
Consumer complaint received 2019-04-02
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. (OH)

Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

this is not my debt - I never authorized anyone to call me about a XXXX credit card that is not mine/nor am I affiliated with the debt owed, the # that called me XXXX I want to be taken off the calling list
Consumer complaint received 2019-04-02
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. (PA)

My name is XXXX XXXX and I am extremely upset with XXXX, XXXX and Experian. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And XXXX, XXXX and Experian continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all XXXX credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX PA XXXX ) He notice several instances where XXXX, XXXX and Experian are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : EXPERIAN XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries members XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian XXXX Email : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX   XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The following accounts opened in my name where not made by me Accounts : XXXX XXXX- XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX- XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have tried numerous times to reach Experian by phone to resolve a credit freeze and fraud alert that is preventing me from starting my retirement benefits through Social Security Services. 

They do not provide the option to speak to someone like XXXX and XXXX do, they already resolved the issue for me on their systems. 

Experian wants me to send a form with copies of ids that would make me vulnerable if anyone got a hold of all that information connected to a form they want me to download from their website and mail in or fax in. I don't trust sending private information this is not safe.
Consumer complaint received 2019-04-02
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. (OH)

Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.
Consumer complaint received 2019-02-08
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. (CT)

I checked my credit report with Transunion based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX  in collection by an agency called XXXX # : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with Transunion that I do not have XXXX XXXX, have never received a bill from the collection agency. Transunion responded that investigation was complete and I owe the amount. File number with Transunion is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor XXXX XXXX XXXX. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Earlier this year, XXXX XXXX sued me for {$960.00} in regards to a previous Capital One credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I sent in documents to Experian on XX/XX/2018 which included my birth certificate, social security card and also my drivers license. I was going through the process of getting preapproved to buy a home and they had my social security number entered incorrectly. I tried calling and getting ahold of them to fix the problem and 5 months later my number is still reporting incorrectly. According to the Fair Credit Reporting Act they had 30 days to respond and failed to do so.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (NY)

On XX/XX/XXXX, at XXXX XXXX, a call from XXXX left a voice mail on my cell phone. I couldn't quite understand the name, but it sounded like " the law office of Philips & Collins '', calling about an outstanding debt. I didn't hear this message until XX/XX/XXXX, because ( a ) I don't use my phone very much, and ( b ) I rarely receive a legitimate voice mail on my cell phone. I've received several of these " unpaid debt '' messages in the past, but I merely ignored them, because the fact that I have no outstanding debt is a dead giveaway that these calls are scams trying to steal people 's money. The message left instructions to call XXXX, XXXX XXXX, and inquire about reference number XXXX. I assume these con artists have called my home phone also, but I have XXXX there to block this kind of garbage. Thank you for going after these predatory low-lifes. Tar & feathers would be a suitable punishment for them, but jail is an acceptable alternative.
Consumer complaint received 2019-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (AZ)

I paid off my loan. Have not used the service in a very long time and someone has made attempts to log into my account fraudulently and gain access my bank account. The creditor is refusing to close my account after I have told them that there is someone attempting to log in. I keep getting emails from them saying someone is trying to log in. Its not me. I want the account closed. There should not be a reason they can't close it. I have no debt with them. They have no phone # to reach them at and the email or chat people say they can't do that. It needs to be escalated. I've asked for someone to call me and they said they do not have phones
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX and XX/XX/XXXX, I sent XXXX and TransUnion dispute letters via certified mail, requesting the organization to update my personal information to reflect the accurate spelling of my name, address, telephone number, and employment. I also requested the removal of any duplicate personal information. In addition to my initial request, I asked for the two organizations to send an updated copy of my credit report reflecting the changes I requested. As a result, XXXX and TransUnion ignored my request. They did not make the changes to my credit report even after sending a copy of my driver 's license, which displays my current address and correct spelling of my name. Also, they failed to send a copy of my credit report after I requested. 

Certified Mail Receipt number : XXXX
Consumer complaint received 2019-09-18
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. (NC)

On XX/XX/2019, I went to find a free TransUnion credit report, but was tricked into signing up for a membership that charged {$25.00} a month. 

I searched XXXX for my transunion credit report, and followed what appeared to be the correct search result to the TransUnion webpage. I had to enter information about myself so they could identify me including name, address, ssn, credit card info. 

At no point did I see any information stating that I was signing up for a monthly billable membership service. ( Maybe it was somewhere in 0-point white font on a white background, but they successfully hid it from me ). There was no confirmation page before they charged my card. The only alert I got was in an email AFTER they accepted my account info, and had billed me for my first month. I immediately cancelled my membership, but they already charged me {$25.00} for the first month. ( An amount that is so high that either the service they provide is truly remarkable, or they only count on billing people once before being cut off. )
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Company : BANK OF AMERICA I made the same deposit I have been making since XXXX. A money order for {$300.00} deposited into my checking on XX/XX/XXXX. The bank has not held any of them previously. The only difference is where I made the deposit this time. All previous times it was made in my suburban residential area. This time I was in an area with a higher minority population not thinking this would effect my banking I made my usual deposit in that area. Now there is an extended hold. I have proof of purchase of the postal money order and the bank is saying they will not release the hold. My account has never bounced a check let alone deposited fraud ever in my life let alone the 15 years Ive been with Bank Of America. The judge instructed the defendant to pay her judgement to me using money order or official check to avoid this as my funds are due in a timely manner each month. I would like the file a formal red lining complaint as the only difference in this deposit was the location it was made which has a higher minority demographic than the previous locations where the deposits were made. 
When I called customer service I was told To take the proof of purchase to the banking center when they opened. When I called the banking center they are telling me there is nothing they can do. I keep getting the run around. 
I also plan to file a lawsuit to end this red Lining the banks have historically gotten away with that disproportionately effects people of XXXX.
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Account was delinquent. I contacted capital and set up payment arrangements to make this current-They were taking the money monthly for the payment arrangements. These began on XX/XX/XXXX in the amount of {$680.00} these payments went on until XX/XX/XXXX which made the account current. During this time my account was still being reported with no payment when in fact they were not. So now I am trying to get a mortgage on a home and this is really affecting my credit score and my ability to get this taken care of. I aided by the payment set for me and they are not willing to work with me.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

I made a purchase with my credit union credit card to XXXX XXXX XXXX for XXXX for two adult ski packages. I used and received a paid in full receipt using my credit union credit/debit card ending in XXXX. Approximately one month after making purchase and receiving items I was billed/charged by XXXX XXXX XXXX to my discover card for XXXX for same purchase already paid for. Merchant never called my or my credit union. I reported this as fraud to Discover Card. Discover stated that merchant claims that authorization to visa had expired but they had already shipped items so they took it upon themselves to review my purchase history and charged my discover card without my authorization. Still to this date, merchant has never attempted to call myself or my credit union to correct. I never authorized my discover card to be used. I reported same to Discover fraud, I have spoken to three females form the fraud department the week of XX/XX/2019, each person did not care that a fraudulent transaction had occurred. I advised them I had correspondence from merchant stating that they used my card without permission, as well as a paid in full receipt from merchant showing I used my visa card. Discover first removed the charge from my account, but two days later when I closed my account they put the charge back on my account knowing full well I never authorized this purchase. At time of this report Merchant owes me XXXX for returned items. Discover was made aware but dont care. All parties at discover refused to provide contact information so I could serve them with subpoena. I wish to pursue criminal action against Discover card and all three ladies from fraud department that spoke with me regarding same.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

I have a account in collects stating iI owe money for a hospital visit at XXXX XXXX XXXX XXXX  for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions on each time they were not able to find any info when i gave my name XXXX XXXX and social security however they could give me no other info and it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had XXXX account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXX 's reports from a dispute around a year ago. XXXX of the XXXX has also been removed from my Trans Union report.
Consumer complaint received 2019-02-08
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. (NY)

For the last few months I have been in correspondence with the bureaus to discuss errors on an account that is being reported on my credit report. I have been assured that the account is reporting accurately ( in writing ) and this account meets FCRA requirements.. however I have been investing too much time asking them to look into this account and it's costing me money sending correspondence ( which I would like to reimbursement for ). I am escalating this matter to put this to an end an come to a resolution of removing this account from my credit report. I will be circling my findings for easy viewing and expect the hear back at my address listed. Also send me a new credit report showing deleted items.