davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
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: CITIBANK, N.A. (CA)

To whom it may concern,XX/XX/2019 I woke up to an email that a new XXXX XXXX account had been opened up under my name Come the days to follow I began receiving numerous notifications from the credit bureaus of more fraudulent hard credit pulls. 

Ive also been unable to sign into my XXXX account online. XXXX emailed me on XX/XX/XXXX about an email address change on my account and to contact them if it wasnt me. Ive tried contacting XXXX and still havent received a response. I dont know why I didnt have to verify the change first because now Im still here locked out of my account. 

To date, here are the actions Ive taken so far ... 
I called XXXX XXXX  about the opened bank account immediately after I found out. They informed me they had done their part to make sure the bank account would be closed and no further accounts would be opened with my information. 

I then made sure to call and place a credit freeze as well as a fraud alert with all three credit bureaus. 

After finding more credit inquires, I called XXXX as well as Citibank to make a report. Both companies assured me that no credit cards or accounts will be opened in my name. 

I received a letter in the mail from CitiBank that mentioned they were unable to verify the accuracy of the credit information on my account, therefore not proceeding forward with the application. That letter will be attached. 

I took it to sign up with XXXX XXXX XXXX as a precaution for any further actions that may arise. Ill attach a screen shot as well from my XXXX XXXX account showing the reported credit inquiry information. 


List of hard inquiries pulled : XXXX - XXXX ( XXXX XXXX  ) - XXXX ( XXXX XXXX  ) - XXXX  ( XXXX XXXX   ) XXXX - Cbna ( Citi Bank Credit Card ) XXXX - XXXX XXXX  Credit Card - XXXX   BANK ACCOUNTS - XXXX XXXX Account - XXXX XXXX  Account Reserve Credit Line Request Thank you and I appreciate in efforts in helping me through this process.

XXXX XXXX
Consumer complaint received 2023-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

I was sending XXXX to " XXXX XXXX '' for " electricity '' then my phone died before I got confirmation that the transaction was completed. When my phone was charged and I checked the history, it said I have send the money to XXXX XXXX and for " work ''. After that I checked my email for the cash app receipts of that transaction, and combing through all mail that was never received, the email from cash app that I've sent it to XXXX XXXX. So I changed my pin, changed my password, block the person, request for refund, and contacted support. Gave them the whole explanation of I never sent money to XXXX and its impossible for me to mistaken when cash app will warn me about sending to someone outside of my phone book, and be incoherent where I would send money to strangers.i would like to know what caused this issue so I can decide for myself if cash app is secure enough for me to rely upon. Also to get my XXXX back. Reference to cash app case number XXXX
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I was a with SEARS/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2019-03-13
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. (CA)

I was denied a credit card due to information in my credit report stating there was a negative report by a Collection Agency { XXXX XXXX XXXX, WA } collecting for XXXX. On XX/XX/2019 I submitted a Dispute Request to Experian ( Credit Reporting ). 
I received a response to my dispute that stated they received a response from XXXX XXXX on XX/XX/2019 stating the Information submitted was valid. I contacted the original claimant [ XXXX ] who told me the account had been zeroed out, there was No Balance Due. The account was completely CLOSED. The Customer Rep. gave me a file number XXXX. 
Next, I contacted XXXX XXXX to try to find out why they were trying to collect on an account XXXX had declared Closed Zero Balance I spoke to the XXXX XXXX XXXX who told me XXXX had contacted their office and withdrawn the collection notice. He advised me that action had taken place several months previously. If true ; why did Experian say they had no knowledge of the reversal? 
Today, I called Experian, I talked with the CSR Customer Service Representative { XXXX } who told me Experian had sent me the information from XXXX XXXX rejection of my dispute via email on XX/XX/2019. I advised XXXX I had not received ANY email ( s ) from Experian regarding my dispute. I advised her of my conversation with XXXX XXXX, she told me there was nothing more she could do other than submit another dispute. 
I ask XXXX to speak to her supervisor. XXXX XXXX [ XXXX ] came on the line. I made him aware of the previous conversation, to which he also said, There was nothing he could do. While on was on the phone I established a 3 Way  conversation with he, XXXX XXXX and I, where XXXX reiterated his claim that XXXX had in fact withdrawn the demand from Receivable Performance and had made an Electronic request that the information be removed from my credit report. On several occasions I asked XXXX to provide me a copy of exactly what XXXX XXXX said, she gave some B/S answer as to why she couldnt. 
After XXXX disconnected from the phone conversation, XXXX mention he did hear XXXX say the claim was Not Valid. XXXX mentioned to me, in situations like mine there is an expedited remedy whereby he could call XXXX XXXX direct and obtain the information directly and remove the Negative information from my credit report. I asked him to initiate that procedure, XXXX told me He would not do that, because XXXX said he had sent an electronic notice. I want the incorrect information removed from I report. Although, XXXX had the ability and the authority to do it, he refused. It has been almost one month since I submitted my first dispute, I dont understand why XXXX see the sense of urgency I have for having my Credit report being accurate, I believe I have that right.
Consumer complaint received 2021-03-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a Capital One Credit Card that was enrolled in a debt consolidation program with InCharge Debt Solutions in XXXX of XXXX. All payments have been made by XXXX since then. Capital One is reporting a late payment in XX/XX/XXXX when all payments have been made within the same 3-4 day window every month by XXXX. I filed a dispute with Capital One and provided proof of payment made by XXXX and the corresponding payment history from my Capital One account. They continue to state that the payment was late and will not correct. Prior to filing the dispute with Capital One directly, I also disputed the accuracy via each credit agency with no resolution. Capital One will not directly connect me with someone in the dispute department to discuss, insisting that I mail another dispute, wasting my time as they continue to run me in circles.
Consumer complaint received 2023-09-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (LA)

On XX/XX/2023 I ordered some home decor and outdoor decor from a merchant online and paid with my cash app card. The first red flag was the cash app name was different than the business name which I purchased the merchandise. The following is what Cash App sent me on XX/XX/2023 when I reported that I never received any merchandise and could not get in touch with the seller. 
'We reviewed your dispute with XXXX  XXXXXXXX XXXX for {$59.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. So I disputed again because I still have not received the merchandise I purchased. I was able to find multiple reviews online showing this merchant as a scam business, so I reached back out to the Cash app on XX/XX/2023 and they responded today via email with an attached document that I uploaded showing the charge made but still disputed.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-09-15
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. (VT)

I have disputing the XXXX XXXX report with Trans Union for months and they keep reporting that this is still an open account when infact its a closed account and was suppose to be resolved by making a good faith payment to XXXX XXXX XXXX. This inaccurate information is causing me financial harm and giving me no further option than to hire an attorney and file suit against both Transunion and XXXX XXXX. 

I have attached a screenshot from their website showing there is a {$0.00} balance and its closed. 

Why is Transunion still posting inaccurate information?
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (TX)

In XXXX of XXXX, I had a home security system installed and it was financed through Fortiva Retail Credit. Attached is the cardholder agreement. It states the ARP is 0.00 %. I set up automatic payments and had no issues with this account. Recently, I saw on my credit report that XXXX XXXX my credit and opened a NEW account for a XXXX Credit Card XXXX This week I received a Fortiva Credit Card. The credit card has an APR of 28.99 %. Fortiva Retail Credit transferred my balanced to Fortiva Credit Card. Fortiva Credit Card ran my credit report and opened a new account without my permission. This caused my credit score to go from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). Attached is my credit score information.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My consumer rights and privacy have being violated under 15 usc 1692 et seq and 15 usc 1681 et seq. This company is murdering my consumer profile denying to removed unauthorized inquiries from my credit report. 
On XX/XX/2022 first writing request was sent via certified mail to trans union asking to remove all unauthorized inquiries. 
On XX/XX/XXXX, second writing request was sent via certified mail to trans union asking for the removal on all unauthorized inquiries or promptly delete all information which can not be verified. 
After talking to customer service with trans Union and declining all request I was advice to file a claim with CFPB.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CO)

I invested in various Crypto currently coins on Binance.US. Binance.US is alleging there was a " chargeback '' of funds issued by my banking institution XXXX XXXX on XX/XX/21. I have confirmed with XXXX XXXX  the funds were delivered to Binance.US on XX/XX/21. I have sent my signed and stamped bank statement to Binance.US as proof the funds were withdrawn and not returned to my account by XXXXXXXX XXXX. Binance.US has not responded to my support ticket and they are not letting me withdraw funds from my account.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (MD)

I made a large payment on my Truist credit account and I talked to representative and representative told me that there was over-payment on the credit card account and they could credit my checking account. I asked if there were going to be any interest charge on my account soon-and I was told that account has {$0.00} balance there shouldn't be any fees charged, therefore, I agreed and representative transferred money. Later, I was traveling and didnt receive statement, it turns out Truist bank charged my credit card interest and later I got charged late fee {$28.00}. I would like Truist bank, to provide chat / recording file, plus refund my late fee {$28.00} and also provide calculation of interest charged. 
Please see relevant statements attached. Please let me know if you need any additional info. 
Thanks XXXX XXXX
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (OK)

Concerning Oklahoma Student Loan Authority XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXXlahoma XXXX, OK XXXX OSLA is reporting my student loan a being sent to collections in XXXX of XXXX, they still have not update or fixed this problem. This loan was discharged due to TOTAL and XXXX XXXX of a XXXX veteran on XXXX XX/XX/XXXX. The other problem is that there is a moratorium on student loans payments from the COVID-19 relief bill and no student loans should have been sent to collections. This is a total mismanagement of student loans by OSLA. This is hurting XXXX veterans, that have served this country. This is showing on my XXXX, XXXX, and XXXX  ad being sent to collections in XX/XX/XXXX and closed on XXXX of XXXX, however the part of it being sent to collections in XX/XX/XXXX is still showing up. The part about is being sent to collections in XXXX XXXX need to be corrected.
Consumer complaint received 2021-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was a current owner of a XXXX XXXX, purchased at Al XXXX XXXX. My current loan was active and up to date, it was an automatic payment set up. I went in for maintenance on XX/XX/XXXX at Al XXXX and was approached by a salesman to up grade to a XXXX XXXX. I agreed to the trade and was told I would not have any payments for 3 months due to the pandemic and they would contact me once they are able to get my loan approved. On my contract there is no loan company and I never heard from the dealership or anyone regarding me being approved for a loan. On XX/XX/XXXX in the early morning I hear someone in my yard, I took a look out my window and see 3 repossession trucks in front of my home. My granddaughter 's white XXXX XXXX was parked right behind my XXXX and one driver pulled her car out the driveway to remove my XXXX from my driveway. I came out and asked the guy what was going on and he informed me that he was here to repossess the XXXX. I asked him how when I never received a payment notice or book or a late notice. I have lived at the same address for 44 years and have never had an issue with getting my mail. This was not the first vehicle I have purchased and I am not one to be late on paying my bills. I have never had a repossession nor did I retire to be taken advantage of. I have a set income and will not live above my means, I would've returned the vehicle if I could not afford it. I have been embarrassed and feel totally violated by Al XXXX XXXX and Fifth Third Bank.
Consumer complaint received 2018-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/18 I discovered that all three credit bureaus, XXXX , XXXX   and Transunion are continuously reporting a " revolving '' credit card from   XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I have  XXXX  student loan token numbers for Direct federal loans taken out for  XXXX  school. I am currently on th e Public Service Loan Forgiveness ( PSLF ) progra m with FedLoan Servicing as my servicer.     My loans were originally serviced by  XXXX   XXXX , where I was enrolled in the Pay As You Ear n ( PAYE   ) pr ogram. I made qualifying PAYE payments between   XX/XX/XXXX  and  XX/XX/XXXX  . During this time, my employer paid $  XXXX  /month towa rds my loans, and I paid the remaining amount.  XXXX   XXXX  never mentioned to me that I was not enrolled in the PSLF program despite working for a  XXXX   (   XXXX  ) (  XXXX  ) employer.     Once I learned that I was not officially enrolled in the PSLF program, I had my loans transferred to FedLoan Servicing i n  XX/XX/XXXX  by  filling out an employer certification form, indicating that I qualified for the preceding year.     Sinc e  XX/XX/XXXX , I have  been trying to get FedLoan to accurately calculate the number of qualifying payments I have made for that preceding year. I have received from  XXXX   XXXX  my payment history, and submitted that information  to FedLoan. FedLoan indic ates that, instead of qualifying  12  payments from between   XX/XX/XXXX  and  XX/XX/XXXX , I  mad e 4 qua lifying payments on  XXXX  of my loan tokens, and  9 qu alifying payments on the remaining  XXXX  loan tokens. I have not yet filed the employer certification form for the payments made between   XX/XX/XXXX  and  XX/XX/XXXX .      I have called every month in an attempt to get an update on the calculation process. I have been told that the calculation should be processing, but after 6 months I have received no information.     In addition, I 've asked whether my paid ahead payments would count towards my PSLF qualifying payment count, and was told yes. I am unclear as to whether this is accurate. I ask because I believe I may somehow be paid ahead with my current payments ( with my employer 's $  XXXX  /month con tribution ), and can not determine how much I need to pay each month to make a qualifying payment. FedLoan will not provide me with that information.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

During the cash app outage, my XXXX orders were cancelled but Cash App allowed the transactions to charge my account multiple times and force me into the negatives. I showed proof from door dash there was an error dated within the time frame of the outage. {$65.00} gone and cash app wants to harass me about a negative balance that was clearly their fault. They denied my dispute with no reason given and did not acknowledge the proof sent.
Consumer complaint received 2022-04-27
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.