davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (NC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.
Consumer complaint received 2018-08-30
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. (WA)

All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-03-08
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. (MD)

It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.
Consumer complaint received 2018-08-30
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. (WA)

All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX/XXXX  created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
Consumer complaint received 2018-08-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (VA)

Hi, I have initiated a money transfer with Ria Money Transfer on XX/XX/2018 and normal processing time was 2 to 3 days. It's been more 14 days and whenever I contact the customer support they are mentioning the amount will be credited in 24-48 hours. I have been hearing this for past 10 days and so far no action. Tried reaching out to the supervisors in Ria customer support but no one is available to support this.

I have been following up with Ria for a Refund but have not got any positive response for past 10 days.

Please find the Transaction Number XXXX
Consumer complaint received 2022-03-08
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)

It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (WI)

I purchased a visa gift card ( issued by XXXX XXXX XXXX and distributed by Blackhawk Network ) to use for online purchases, and on XX/XX/2018 I used it to charge {$54.00} to purchase an item. In XX/XX/XXXX, I contacted the merchant as I did not get my item, and was told via email on XX/XX/2018 that I would get a refund. Upon learning I would get a refund, I checked my visa card online at XXXX, and it showed I had a XXXX balance, so the refund had not come through yet. The following day, when I went to XXXX, it told me that the card number I entered was invalid, and that I should contact the merchant I bought it from. I then tried to call their customer service number off the back of the card, but got the message that the card number was not a valid number, and was not given any options to talk to a person to find out what happened to my refund. I had to use a different visa card I had purchased to finally get to talk to a representative, and was informed that the card had been blocked due to the refund, and that the money would be available in 3 days, but I had to call back to get the card activated after the three days. When I called back again on XX/XX/XXXX, I was told that it would take another 2 days to have the money available, at which time I demanded to talk to a supervisor, and finally got my money. I wasted over 2 hours in total trying to get them to reactivate my card that they deactivated when the refund came in, which they won't compensate me for. I am positive the issuer has instituted this policy to steal refunds from cardholders by making it impossible to check on their cards to see if the refund has come in, and by making it extremely time-consuming to get the card reactivated after they deactivate it. When I finally got through to the last person, he wanted me to verify the date of the purchase in addition to all of the background information I previously supplied to the other customer service people in a final attempt to delay giving me my refund - and since I could not look at my online history for that card, I was lucky I still had my email receipt or they would have further delayed the refund. I want this policy stopped - it has happened to me with other pre-paid credit card companies on 3 other occasions ( when {$1.00} charges appeared on my card which were not authorized, and when I disputed them, they did the same thing to the card, de-activating it and not allowing me to see any information on it or get info via the customer service number ) and while it is not financially practical for individuals to do so, it clearly is in the best interest of all comsumers that you do something.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern, I am writing this email to complain a misleading and discriminatory business practice by Capital One.I am in the process of getting a new credit card from Capital One ( https : //applynow.capitalone.com/? XXXX & XXXX ). 

At the first part of the card application, customers like me are required to indicate their citizenship status. To fill out my 2nd citizenship, XXXX ( where I originally came from ) is erroneously labelled as " XXXX, XXXX of XXXX. '' XXXX is neither a part of XXXX nor a province of XXXX. This is against U.S. policy about XXXX 's status. Capital One is violating the U.S. laws ; at the same time, forcing its customers to violate the laws. 

Because it is a pull-down menu, I will be forced to fill out erroneous information about citizens. I am coerced and under virtual duress to provide and confirm this erroneous information about my dual citizenship if I want to get a card from Capital One after completing the application. By doing this, Capital One is also discriminatory against customers from XXXX. XXXX applicants are forced to accept ( and under perjury with legal consequences ) if they select " XXXX, XXXX of XXXX. '' The information is also not true, thus they commit perjury as a result. This type of discriminatory business practice is equivalent to forcing XXXX citizens to select " XXXX '', XXXX applicants to select " XXXX '' or " XXXX '' in the same applications. 

I am writing this email to complain this illegal and discriminatory business practices that Capital One has done and request immediate changes to put XXXX as " XXXX '' only. 

Thanks for your consideration. 

XXXX XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (IL)

On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.
Consumer complaint received 2019-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Placed TWO Hard Inquires on my credit report from poor explanation by one of their call enter staff members. So far Capital one has Removed ( 1 out of 2 ) of the hard inquires from my credit report. 
Attached is their letter proving so! 
I need BOTH to be removed PLEASE : On XX/XX/2018, I called Capital One to apply for a SECURED credit card. I spoke with a Capital One representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. 
Around XX/XX/2018, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO Capital One HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THESE INQURIES TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY CAPITAL ONE.
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I asked the company for a request that was two-fold ; submit my right to waive XXXX regarding communication with a third-party and second, to verify debt via signature, documentation, and information necessary to establish verification and validation of debt. The company submitted an account number with my name on it, which was not the necessary information requested to negate fraud concerning my identity as I am unaware of said debt.They continue to negatively report information without proof.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MO)

I subscribed to service for {$1.00} trial fee and cancelled subscription very next day. I was still charged {$27.00} for a full month.My card refused to refund my funds.
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc ()

I live in multiple countries. ( XXXX XXXX, XXXX & XXXX ). I travel allot since my business is located in XXXX. 

I used PayPal to transfer money between these countries, and then deposited the money into the local bank so that I have money available to use in that country whilst I am there. 

In early XXXX, I sent myself money from my XXXX  XXXX PayPal account to my XXXX PayPal account. 

When the money arrived, I noticed that PayPal had charged me a fee of XXXX for the transaction. PayPals website specifically states that I will not be charged for a transaction between personal accounts. I contacted the customer support, who agreed that there was an error and told me that they would refund the transaction fee. 

On the XXXX XX/XX/2022, I contacted them again to ask when they would be refunding my fee, and within two minutes, I received notice stating that they have seized all of my money and closed my accounts. 

On XXXX XXXX, I received a notice stating that my funds are available, and yet I am not able to get the money from PayPal into my bank account.
Consumer complaint received 2018-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have phoned Bank of America credit card services about this many times. I was sent samples which I paid for. When I received them I did not use them as I was not happy with the ingredients. I tried to cancel anymore products being sent to me but there is no phone number, address or email on their website. I ave been charged XXXX by youth again face cream and the disputes department will not credit my card. I never received anything other than the samples.
Consumer complaint received 2018-08-30
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: DISCOVER BANK (NC)

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX  credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
Consumer complaint received 2018-08-30
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. (CA)

On XX/XX/XXXX I went to XXXX XXXX and applied for a credit card. When checking with Experian I was advised that my credit was frozen and I could not get the card. I called Experian and could not talk to a human. I applied for a temporary freeze lift and was advised it was approved. When checking back with XXXX on the XX/XX/XXXX the freeze was still not lifted, and when checking again with Experian, they not only did not lift a freeze but voided my pin #. Still never got a live person, sent an e-mail to them, no response and sent a letter to their local office, marked urgent, asking for their help. Never got a response. 
On SaturdayXX/XX/XXXX I applied for a permanent un-freeze of my credit report. I paid a {$5.00} fee which I have a copy of the statement. I received a written confirmation on my computer that the freeze was lifted. 
I waited until XX/XX/XXXX to call XXXX to see if the freeze was lifted. It still wasn't! I re-applied to Experian and have a written note that my credit was not frozen. There was a mis-communication between XXXX and Experian. I was never able to speak with a person at Experian. This is a disgrace.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX  credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX ( Seller ) breached the contract by fraud and/or negligence by providing false and/or misleading information on the sofa that the three pieces are linked together in order to induce the sale on XX/XX/XXXX. 

After I received the sofa, I found out that the three parts were not linked as promised in the email of XX/XX/XXXX. Seller refused to complete the repair as promised by sending me the links to link the sections. After failing to hear from the seller, I disputed the charge with my credit card company on the payment. I asked them to either repair the sofa or pick it up. 

However, Seller continues to enforce the sale by placing me on collection and a recording on my credit file. 
Here are the facts and the supporting documents : I ordered a sofa from XXXX in XXXX, XXXX. In the email from XXXX date XX/XX/XXXX, in response to my question whether the sofa sections were linked, XXXX stated that Each piece does have an anchor to attach it to the other pieces as well. ( See Page 1 email dated XX/XX/XXXX ) On XX/XX/XXXX, after I complained that the sofa sections were not linked, XXXX apologized in her letter dated XX/XX/XXXX that the company sent me the wrong sofa. ( see Email page 2 dated XX/XX/XXXX ) XXXX promised to send me the links to link the sections together on XX/XX/XXXX. ( see page 3 email on XX/XX/XXXX ) However, I did not hear from her for a month. On XX/XX/XXXX, I told her that I placed a dispute on my credit card company as it was Not the sofa I ordered. I asked them to send me the links or pick the sofa up. ( See page 4 of email on XX/XX/XXXX ). 
Instead of trying to help me resolve the problem, I received a collection notice and Seller threated to sue me in XXXX email. 
After I stated my reason, I was offered a five-year warranty and a medic to fix the sofa in email from XXXX dated XX/XX/XXXX on Email page 5. 
This debt collection is INVALID.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act all the accounts listed below have violated my rights, and it is just not fair. it has almost ruined my family and child. 

15 U.S.C 1681 section 602 A states I have the right to privacy, and 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I would only ask for your help. I have no other options. Thank you so much.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

2003 I signed a loan agreement with credit acceptance. I was at the end of my payments. When I fell into financial trouble. I was a week late paying the car note. The car was reprocessed while I was at work. Credit acceptance told me I had roughly XXXX dollars left to pay the car off. But I couldn't afford to pay it in the time allocated. The XXXX was sold at an auction. I was left paying the remaining balance without a vehicle.