davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
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: TRANSWORLD SYSTEMS INC (KS)

I received a credit alert dropping adding this account to collections. I was never notified of this bill being sent to collections. I had been in contact with the original creditor back in XX/XX/2017. I was advised due to self pay that I could be offered a discount for services. I was sent some paperwork and that paperwork was then sent back to the XXXX XXXX. 

I was never sent a bill for the amount in question nor was I notified that it was in delinquent status. I feel it is extremely unfair to have been billed to my credit report rather than giving me the opportunity to pay the debt. I have reached out to the collection company and have not got any help of prof of debt. I spoke with a supervisor by the name of XXXX XXXX. She refused to help me resolve the issue. Trans world only resolution is to pay the total amount due. The collection company that has added this derogatory debt is very rude and unruly, and unprofessional. I have tried to work with the collection company and I am not able to get resolution. I was told that it will continue to ruin my credit report ; even though I have not been notified.
Consumer complaint received 2018-12-10
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: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts.

The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I transferred a balance of XXXX to my Capital One credit card by clicking the " Transfer and Save '' button in an email that was sent to me by Capital One offering 0 % APR for XXXX months. The request was approved and the confirmation read : While you carry a promotional balance, you'll see an additional payment option - the Interest Saver Payment. Pay at least this amount each month to avoid interest on new purchase without having to pay your balance in full.

The original email also contained information about avoiding interest charges : Q. Can I avoid interest on new purchases after I accept this offer?

A. Yes, you can! Pay your Interest Saver Payment ( the minimum payment plus all your non-promotional balances, including purchases, cash advances, fees and finance charges ) by the due date each month, and you wont pay interest on new purchases. You can find the Interest Saver Payment amount on your monthly statement and your online account as a payment option.

The first statement since the transfer posted, on XX/XX/XXXX, was generated on XX/XX/XXXX. This statement did not include a Interest Saver Payment on the monthly statement or online, so I called customer service. I spoke with XXXX XXXX, who worked with a female supervisor. She told me that my Interest Saver Payment would be XXXX, but that she could not produce anything in writing verifying this. For this reason, she transferred me for further assistance. I then spoke with XXXX XXXX, a General Account Supervisor, who said that the transfer did not appear to have promotional terms. He said that there was a known issue, that some customers experienced a transfer that did not have the correct terms. He advised that a case would be opened to investigate this matter and that a decision should be made in XXXX billing cycles, and a letter sent in XXXX days after that. He said that in the meantime, the balance that would begin to accrue interest but that it might be refunded to me if it were determined that I was not given the correct terms. He said that he was not able to do anything further to assist me in getting a resolution before my balance was due. He said there was not anyone at Capital One that he could escalate my issue to.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Lakeview Loan Servicing is overcharging my mortgage escrow account by hundreds of dollars monthly. For the past few months, I have asked Lakeview Loan Servicing to do an escrow analysis of my mortgage payment and they continually ignore my requests. I have provided all the appropriate information and forms and they have not acknowledged receipt. 
They continually reply to my emails with a statement that says we will respond within 5 days and they do not respond, ever.
Consumer complaint received 2018-12-10
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. ()

Ive been a Citi XXXX XXXX Card holder since XX/XX/2002.

My APR has been 29.99 % since XX/XX/2009 EXCEPT XX/XX/2015-XX/XX/2016 AND XX/XX/2016-XX/XX/2017 when I REQUESTED, and was given a rate reduction to 15.99 %. After those time frames, the rate was again INCREASED to 29.99 %.

I requested a rate reduction in XX/XX/2019. The rate was lowered to 28.24 %.

After I complained, I was advised, " Because we value your business, we have applied a promotional purchase rate of 10.99 % to your account for XXXX   months. '' In XX/XX/XXXX/XX/XX/XXXX of this year ( XX/XX/2018 ), several national publications ( XXXX, XXXX XXXX, XXXX, WXXXX XXXX XXXX, and others ) published, Citibank is voluntarily sending credit card customers a total of {$330.00} million ; " A bank paying its credit card customers instead of the other way around. On Friday, Citigroup announced that it would issue refunds to some XXXX million credit cardholders who had been charged interest rates that were too high '' ; Citi to Refund {$330.00} Million in Card Charges Due to Interest-Rate Problem -Bank failed to lower card rates as required by law ; says XXXX   million accounts were affected and Citi said the issue affected around XXXX million U.S. credit-card accounts over a period ranging from XX/XX/2011 to XX/XX/2017. Some of those accounts received smaller rate reductions than they should have, while others didnt receive any reduction.

I have REQUESTED and received interest rate reductions XXXX since XX/XX/2015. When I requested the reduction last year, I was told I would receive it for XXXX months after which Id have to wait XXXX   months to request the reduction again.

Based on my experiences, I believe that CITI has a stated policy that the customer could receive a lower rate for XXXX months, after which the customer has to wait XXXX months to again request a lower rate. This is a bit different from what the Citi claims.

The bank proudly informed the public that it had " self reported '' the error and would make refunds in the second half of XX/XX/2018.

Since XX/XX/XXXX, I have made several attempts to contact the bank and have received no response. ( XXXX XXXX, Executive Response Unit, XXXX ) I believe I have been overcharged on interest for the years XX/XX/2011-XX/XX/2018 and that I am entitled to adjustments to rates of 10.99-15.99 % for those years. I have the statements for that period of time to document the interest rates charged. ) As Citigroup PUBLICALLY announced ( self-disclosed ) their error and corrective actions, they should be equally transparent with their resolution of the error.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I settled this with XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (MS)

I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I am being violated by Experian Information Solutions Inc. Experian Information Solutions Inc is furnishing my non-public private information on my consumer report without my written consent which is a violation of my rights as a consumer. On XX/XX/2022 I called Experian Information Solutions Inc to put them on notice of the fraud they are committing by furnishing my non-public private information because I did not give them written instructions to do so. XXXX the customer service specialist of Experian Information Solutions Inc Specialist Department that I spoke with via phone said that the credit bureaus DO NOT need my written instructions or written permission to furnish my non public private information on my consumer report.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken ()

Both my wife and I have a cryptocurrency wallet in the company XXXX. In both cases, we process withdrawals, requesting and transferring the funds to our respective accounts. The money has never arrived. We have made several claims and they only give us the answer that they are investigating the amounts. XXXX dollars for mine and XXXX dollars for my wife, the company does not give any answer and they only answer that they are investigating
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (CT)

On XX/XX/2022, I contacted XXXX XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. 
Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (KY)

I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.
Consumer complaint received 2018-04-23
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)

Trans Union, XXXX and XXXX are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/2018 I was informed that XXXX  Credit Reporting had lower my credit score by 105 points, Because, I had returned a vehicle to a Buy here Pay Here company and the company took the vehicle back, and closed out the loan and, I owned any other payments because the vehicle had a lot of problems, So I want to complain about Transunion taking such a drastic action over a closed account that, That was the only option the car place had was to close the loan out, I had the vehicle over a year no missed or late payments etc now because I no longer have the vehicle I am punished for it by having my credit score lower a LOT!! 
I feel it is an abuse of their tryant authority,
Consumer complaint received 2018-12-10
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. (MN)

There are several issues with my credit report. 

The first thing is that I was not able to put a credit freeze on my report because Equifax said my file is too long so it split into two,  so there trying to reattach it. 

The reason my file is too long is because it contains is contains fraud account opened under my name, I have filled a police report and sent that over to the creditors as well the Equifax, all the other credit bureaus removed this fraud items but Equifax has not. 

The third is my credit report contains inaccurate information on some account, for example some that were long closed and have a XXXX balance is showing with a balance, in all other credit bureaus it is updated. 

Fraud account ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX   OpenedXX/XX/XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Fraud Inquiries ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inaccurate balance on this two accounts, I paid them off but there reporting a balance ; XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX   XXXX Balance {$5500.00}
Consumer complaint received 2018-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through Toyota Motor Credit Corp. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated a settlement with Toyota Financial Services - which Toyota accepted. I had nothing ot do with the negotiation. Toyota financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to Toyota Motor Credit for GAP Coverage. IN XXXX XXXX, Toyota Motor Credit advised me that I had to submit a report justifying Toyota, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX  an d it then repeatedly sent to Toyota all the documents it had regarding the settlement. Toyota repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, Toyota elected to stop trying t collect from its own subsidiary Nd then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr hwic I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own  subsidiary.
Consumer complaint received 2022-06-14
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (FL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. i am demanding you to REVIEW THIS ACCOUNT AND REMOVE THIS IMMEDIATELY
Consumer complaint received 2020-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I recently incorporated and started a XXXX, XXXX XXXX. I transferred {$2000.00} from my personal checking to the XXXX  acount. The money was debited, then it disappeared. It was never moved to the XXXX  account. I have spoken with bank of america, and they say the money is gone, and they don't know where it is. I was also told that if I don't put money into the business account, I will be fined. No one can tell me what happened. The person I spoke with said don't worry, {$2000.00} isn't that much.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MO)

I'm contacting these agencies in regards to credit misrepresentations, there's collections on my report inwhich even the orginal account has been removed due the investigated accounts not being mines. So the collections themselves must also be removed, in order to satisfy the language in the FCRA, the dates to reflect them accounts are as following ... XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Item was discharged and the Credit Bureaus did not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( XXXX )
Consumer complaint received 2022-06-14
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).
Consumer complaint received 2021-06-10
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 (MD)

I submitted a claim. It was denied on the grounds of fraud by Bank of America unemployment. Over XXXX was withdrawn from my account from an ATM. This occurred in XXXX. I was a victim of fraud. My card was completely shut off then turned back on. I then disputed this transaction and was denied because I couldnt prove that it wasnt me who took the money out of the account. The burden of proof does not fall on my behalf and there was no reason to deny my claim or evidence to deny my claim. Bank of America simply did not credit me my money back and continued to deny my claim.