davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX   saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you
Consumer complaint received 2017-05-26
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: CITIBANK, N.A. (NY)

In  XXXX  of  2017  when i reviewed my credit report, I noticed my Best Buy credit card balance was over the limited. When i called Best Buy/CBNA credit card to inquire the reason for the over the limit credit card balance the customer service representative,  XXXX , informed me a promotional offer expired and the interest was added to the card. I explained to  XXXX , i was not given notice about any promotion expiring and never received any mail regarding this information.  The CBNA representative was not helpful and refused to give me any information about the promotion.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I am contacting your office regarding American Express. An issue has arisen that would seem to be a cause for investigation of American Expresss practices that are causing customers as I, unwarranted charges. 

To explain : I am an American Express credit card holder. 
Questionable Fee and Interest Statement summary : Statement Due Date Date Mailed Date Posted Fees Interest XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$10.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$12.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} As you can see XXXX and XXXX mirror each other. 

Every other month in between XX/XX/XXXX and XX/XX/XXXX my payments have posted 2-3 days after mailing. 

The same months exactly one year apart and I am assessed late fees and interest charges. The same months exactly one year apart and it takes 14 days to post my payment, whereas it typically takes 2-3 days. This is to much of a coincidence. 

This can not be an anomaly, something is wrong. Something is happening at American Express every XXXX causing payments to be late. 

If it happened to me, it has probably happened to others as well and American Express is making a lot of money collecting late fees and interest charges across the spectrum of their customers during the timeframe mentioned above. This is not right. I have the means to pay these charges but many people may not. These late charges may also be effecting peoples credit scores and thus their financial situation.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back on XX/XX/19 I filed a complaint with consumer financial protection bureau about TransUnion about a freeze on my credit report the credit bureau gave a respond stating there was no freeze on my credit since that time I have applied for credit several time only to find out that there still is a freeze I called TransUnion and ask to have the freeze permanently removed they said they will take care of today I try again applying for credit and there a freeze on my credit
Consumer complaint received 2022-08-16
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, XXXX, & Experian have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2019-10-08
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: EQUIFAX, INC. (NC)

XXXX is reporting incorrectly to Equifax a collection of {$1300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered. 

Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist. 

On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details.

Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party. 

On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX  ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details. 

On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped. 

At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor.

3 ) I am within the 120 day time limit.

I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.
Consumer complaint received 2024-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freeway Funding, Inc. (CA)

XXXX and XXXX are allowing Freeway Funding to report debt over a vehicle twice. Freeway funding sold my debt to XXXX XXXX XXXX and both credit reporting agencies refuse to take the {$9000.00} freeway funding in collections account off even with proof that it is the same account. Its illegal to report the same debt multiple times under multiple companies. XXXX said they would fix it and havent, XXXX rep told me they arent responsible for reporting accurate info they only report what creditors tell them to and its not their responsibility to take off duplicate accounts.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a dispute letter to Equifax Information Services XXXX LLC via certified mail ( Tracking # : XXXX ) to remove fraudulent and unauthorized inquiries from my credit report and they refused to do so. I then submitted a follow up letter via certified mail ( Tracking # : XXXX ) requesting them to furnish proof of verification for the fraudulent and unauthorized inquiries and they were unable to do so. I am respectfully requesting that these fraudulent and unauthorized inquiries are removed from my report : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The same issues continue with XXXX XXXX XXXX XXXX I sent out the same dispute letters and they refuse to remove disputes as well. Below are the certified mail tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
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. (MI)

I had a lease for a XXXX XXXX XXXX with XXXX XXXX - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Experian refuses to remove fraudulent accounts despite fraud affidavit and police report being submitted. The representative blatantly stated that if the creditor verifies that the information should remain that supersedes the fraud documents submitted.
Consumer complaint received 2019-10-08
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. (LA)

+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-08
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. (MD)

I am been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank decided to close my account without any notification or explanation. I have a credit limit with them for {$4000.00}. My balance is only {$3500.00}. I have made all my payments on time. When I asked why they closed my account without my permission they said they have the right to do that. I asked them to reopen my account because I did not permit them to close it and they wanted to run my credit to reopen my account. I told them no, they could not run my credit because I already had an open account with them. So because I refused to allow them to run my credit, they refused to reopen my account.

The only response I received was that I continue to make my payment on the card. See Attached
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (CA)

I have asked Discover Card, repeatedly, to stop marketing to me. I have told them I don't want their " convenience checks '' in the mail, and I have asked them to stop sending me their " Discover Bank '' unsolicited loan " offers. '' I even went so far as to CLOSE my account with them recently. But, when I told them the main reason I was closing my account was to get them to stop harassing me with their unsolicited loan offers, they had the temerity to tell me that the loan offers come from " Discover Bank '' and wouldn't stop even if I closed my credit account. They said they would transfer me to them to " request '' they stop, but instead they dropped the issue and ignored me. I have had enough. I have asked them over and over again to stop marketing to me, and they ignore me. At this point I wouldn't take a FREE loan from them. It seems like they are sending their obnoxious loan offers out of malice at this point, than anything else, as they can not possibly think I would do business with them now.
Consumer complaint received 2019-10-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC (TX)

I have to XXXX XXXX set up my paperwork from # XXXX national credit adjusters   address XX/XX/XXXX XXXX XXXX XXXX XXXX ca XXXX I agreed it XX/XX/XXXX to XX/XX/XXXX final XX/XX/XXXX someone called me bother stop finance and chase to that like try threat XXXX and let you know it I take now set up please stop me bother us I am XXXX only my car sleep is rough thx
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

Applied for we applied for a refi with loan Depot and they told us they were going to do a soft pull not a hard one and it wouldn't affect our credit we got something from XXXX about an hour ago that says it was a hard pull and it did affect the credit and it's going to stay on there for a while they're lucky that's all we're doing
Consumer complaint received 2019-10-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CO)

To Whom It May Concern, XX/XX/XXXX my Dad passed away unexpectedly. I am the Personal Representative of his Estate ( Letters Testamentary attached ). We determined it best to sell my Dads businesses and it is that sale that I am writing you about. As the Estate of XXXX XXXX, we were half owners of the businesses per the Operating Agreement ( I have included the Operating Agreement ). We were excluded from all aspects of his businesses, financials,  distributions and the closing, which XXXX XXXX, the Real Estate Broker ( XXXX XXXX XXXX ), XXXX XXXX Attorney XXXX XXXX and the Title Company orchestrated closing a day early and did not notify or disclose to the Estate or update the disclosure documents ( attached ). I called and emailed Fidelity National Title ( email attached ) requesting the location of the closing and letting them know XXXX XXXX does not have the authority to represent the Estate.  As a matter of fact, XXXX XXXX 's email confirming the closing date of XX/XX/XXXX is attached. The day after the secret closing the Estates attorney had me sign a document stating XXXX XXXX could sign on the Estates behalf, which is dated AFTER THE CLOSING OCCURRED and after XXXX XXXX dated the closing documents. The Estates attorney told me if I did not sign that the deal would not close. XXXX XXXX left the closing with the Estates proceeds, forcing the Estate to take legal action and incur extensive legal fees. 

Please also note on the Fidelity National Title Sellers Settlement Statement the Closing Date and Disbursement date are listed as XX/XX/XXXX, yet the signatures of XXXX XXXX, XXXX XXXX Fidelity National Title, and XXXX XXXX are all XX/XX/XXXX. The Disclosure document was never updated and the Estate of XXXX XXXX was never updated or notified. 

I believe kickbacks and fraud are why the Estate was excluded from the closing and why the closing was performed in secret and moved up a day early. 

Sincerely, XXXX XXXX PR, Estate of XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (NY)

I have spoken with several customer service reps including emailing seventh avenue to tell them I never received the product. They are still emailing me with a balance due, sending statements to my home and now it is on my credit report as a non-payment.

More importantly, the packages were left in the public area of residential building when I specified that delivery should be to my front door of my apartment because packages get stolen between the XXXX public doors of the building and in the lobby