davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (AZ)

In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXThe address needs to be removed XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : XXXX XXXXXXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Consumer complaint received 2022-10-18
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: CITIBANK, N.A. (IL)

On the morning of XX/XX/2022 I had five alerts from my Citi rewards card of charges I did not make. I immediately called Citibank to report the fraudulent charges and to close the account. I listed each one of the names of the businesses & charges and expected an investigation and to be reimbursed for the five fraudulent charges. Approximately one month later, when I still wasnt reimbursed, I called Citi again and had to again list the five fraudulent charges in detail and was assured it would be resolved. Today, XX/XX/2022 I called to ask where this stands and had to list the XXXX fraudulent charges yet again and was transferred to a security fraud specialist who told me that it was still under investigation?? Citi security/fraud told me they have 90 days to resolve this issue. I have learned I should have received a provisional credit for the amount of charges in question within 10 business days of reporting the fraud according to the law. In the meantime, I have these five fraudulent charges ( totaling close to {$400.00} ) sitting on my credit card accruing interest when I did not make these purchases. I feel I did what I am suppose to do, reported the problem immediately and closed the card immediately. I feel Citi isnt doing what they should do to protect their customer.
Consumer complaint received 2021-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (TX)

Earlier this year I got a call from a collection agency " Receivables Management '' about money I supposed owed XXXX XXXX. They said I owe them {$40.00} but I would have to pay them {$80.00} ... and they said there was some {$40.00} collection fee. 

So I called XXXX XXXX to verify the debt. They claimed that I owe them the {$40.00} from a medical visit in XXXX I believe. I think that's when it was I'm not sure, but that is not the issue here. But first I DO need to tell you that XXXX XXXX told me that they sent me out a text that they were going to charge my card, and then they tried to charge my card. I had changed banks and gotten a new card so it must have not gone through, but I NEVER got a text from them. When I asked the lady on the phone why they didn't try to call me to get in touch with me about the debt, she said in a very toxic tone " Sir, We don't make phone calls. '' Well if you don't make phone calls how the heck you expect to get paid? 

I was not happy about that but I told her I want to pay the debt that I was convinced was genuinely my debt, but I'm not paying some ridiculous collection fee because they did not make any effort whatsoever to contact me before sending me to collections. 

Fast forward to now, I have a collection on my credit reports for {$40.00} from the collection agency that put that on my credit reports and is screwing up my credit. This can not be legal first of all I have NEVER heard of a collection fee being charged to a person sent to collections, and second of all they never contacted me once. I am pretty sure that a creditor MUST contact the debtor to try to get payment before sending them to collections. When I was younger I made a lot of mistakes and was send to collections a lot and it was only to pay what I owed. As you can imagine I and on the straight and narrow now and I want to avoid collections, especially ones that are invalid! 

These people will not budge and they keep telling the credit reporting agencies that the debt is valid when it is not! I am not responsible for the irresponsibility and laziness of a company that doesn't even try to get a hold of customers to tell them they owe money!!!! That's on them. And if the collection agency wants {$40.00} let them pay it! 

I want this off my credit report. I'm trying really hard to improve my credit and I'm working against past irresponsibility on my part. 

PS : The address for Receivables Management is listed here because you have no other place to put it and when I said they aren't the place the original debt came from you ask me for XXXX XXXX 's address but not theirs.. RECEIVABLES MANAGEMENT ARE THE CRIMINALS WHO PUT THIS XXXX ON MY CREDIT REPORT!!!!!!!! 

Receivables Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation
Consumer complaint received 2019-03-21
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I visited the United Airlines website to purchase an airline ticket. United was offering the United Explorer Card through Chase with the following perks : XXXX bonus miles and {$100.00} Statement Credit after your first purchase. I clicked on the link, filled out the application, and my application was immediately accepted. Upon receiving the card in the mail, I proceeded to make my airline purchase. I noticed after I received my statement that I did not get the {$100.00} statement credit. On XX/XX/2019 I went back to the United Airlines website to look at the specific offer and the offer was still advertised ( XXXX bonus miles and {$100.00} statement credit ) it was the exact same offer I applied for. The offer is available to everyone and anyone who clicks on the link. When you click on the link you are not give an offer code or invitation number. I was able to access that same offer from my personal home computer, my work computer, and my phone. On XX/XX/2019, I wrote Chase an email to inquire about my {$100.00} Statement Credit but they refused to give me the statement credit. They claim that since I applied online something could have happened with the link and I was given a different offer and there is nothing they could do about it. I even sent them a PDF of the offer with the terms. Chase is advertising one thing, then giving the consumer something else and that is false advertising. Im going to cancel the credit card after I complete my trip but that will have a negative impact on my credit score. I have a very good credit score and have never had any problems with any other credit card. Chase is running a scam by advertising one thing and then changing the terms after you apply online.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (IL)

This is the second time this has happened with this particular credit card, Avant. The first time, I happened to look at my statement and saw charges from a fitness club I did not make or have no knowledge of the fitness club. When I look up the fitness club on XXXX it shows all of the fraud done, by XXXX XXXX XXXX, to other people on their credit cards and the complaints they've made. The name of the fitness club is XXXX XXXX XXXX So, I called and reported the fraud and was issued a new card. I paid off the balance of my charges. The card was at {$0.00} as of XX/XX/2022. I receive an email today, with a new statement, and when I looked at the statement the same charges from XXXX XXXX XXXX were there again, giving me a new balance. I immediately called to report the fraud and requested my account be closed. I spoke with the fraud department and also customer service and was told the call was recorded. Please investigate.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Around XX/XX/XXXX I got my Capital One Credit Card. Ever since then I've only been able to use it a couple of times as the process of using it has been absolutely dreadful. The card only has XXXX credit but even though its such a low amount I have still not been able to successfully pay my bill even though money HAS been taken from my bank account. From XX/XX/XXXX I've tried to put in a payment of {$250.00} Dollars but since then it has taken the amount, returned it and taken it again with no sign of the credit showing up in my account. I have called their customer service number 6 times already and each time they have assured me that my problem will be fixed, have been put on hold for an hour, have been hung up on, and lied to many times. in summary this company has taken my money and has not put it back in my credit, I currently have a balance of {$240.00} with the available credit of {$5.00}. even though the customer service reps insured me that a credit of {$250.00} will show on my available credit it has not and never will. I it feels though as I have been scammed and this is outrageous because i don't have money to not care about as I am not a wealthy person and need all of my money and hate it when companies steal from their customers.
Consumer complaint received 2022-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SD)

In XX/XX/XXXX, I called Nelnet to determine what I needed to do to make my student loans direct to qualify for the XXXX relief plan. During the call I was informed my loans were already consolidated and no further action would be needed to qualify as direct loans. 
Today, I learned that was incorrect and the information should have informed me to apply for my loans to be converted to direct as I was inquiring about. 
The deadline for this type of application was expired on XX/XX/XXXX. 
Realistically, I face an enormous uphill challenge to prove to the XXXX of XXXX that I was incorrectly advised and to allow an exception to my loan conversation to still qualify. 
I have no mechanism to hold Nelnet responsible, which will cost me thousands.
Consumer complaint received 2021-11-07
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. (TN)

This is my third complaint against Experian, In regards to my first complaint ( case ID XXXX ), I mailed an affidavit dated XX/XX/XXXX ( see attachments ) disputing errors found on my consumer report. Experian failed to delete the incorrect names and addresses from my consumer report. Additionally, there is a fraudulent account and inquiry on my consumer report that I did not give consent to be furnished. Pursuant to 15 U.S.C 6802 ( B ) ( 1 ) ( A ) and 15 U.S.C 6801b ( a ) ( 2 ). I have filed an FTC Report for the following account and inquiry below. 

FRAUDULENT ACCOUNT : XXXX XXXX XXXX FRAUDANT INQUIRY : XXXX/XXXX  XX/XX/XXXX Experian has blatantly violated my right as a consumer and they are civilly liable pursuant to 15 U.S.C 1681n. I am demanding the incorrect spelling of my name be deleted and updated to match my Photo Id ( see attachments ), all the incorrect addresses removed, and for the fraudulent account and inquiry to be removed from my consumer report and an updated copy of my report mailed to me. 

Attachments : FTC Report Photo ID Certified mail receipt Utility Bill
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (AZ)

I have attempted to submit multiple disputes to equifax they either dont respond or respond over 3 months later. They are inaccurately reporting a collection for XXXX XXXX on my credit that I had removed from my other reports. Equifax is consistently difficult to work with they dont follow the laws for their dispute process. Its so inconvenient to get inaccurate information disputed and removed with them. The company reporting couldnt provide me with documentation to show its my debt and equifax didnt respond to my dispute until months later. They need to remove it from my credit and make their process to submit disputes easier.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX XXXX has had an ongoing problem with their rewards program. I have made XXXX  calls and send XXXX emails since XXXX. 
On the XXXX call I was assured the rewards would be available the next time I shopped at XXXX 'S. That did not happen. 
The next call I was told the problem would be resolved by the end of XXXX. I have shopped XXXX since the end of XXXX and have yet to be able to redeem my rewards. 
The emails seem to be answered by a robo answer. I tried to call last week and hung up after being on hold for XXXX XXXX XXXX XXXX XXXX 
When I look at my account on line, I see that I am entitled to {$90.00}. I need to get that money. It is my money as promised by my agreement when I got the credit card.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

Discover Bank is reporting my credit card with account number XXXX as being 30 days late with different dates on each credit report. XXXX  is saying I was late XX/XX/XXXX, XXXX is saying I was late in XX/XX/XXXX and XXXX  is saying I was late in XX/XX/XXXX. Please verify that I was 30 days late on XX/XX/XXXX through XX/XX/XXXX with this account because it does not match my records. Once you conduct your investigation on the payment history being reporting on this account, you will see that it is in violation of the FCRA along with FACTA 312 which is not right.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (CO)

On XX/XX/XXXX XXXX I sent Equifax a letter to investigate an account that they are reporting inaccurately. They did not investigate the account. So I sent a follow-up letter on XX/XX/2022. Still no response and no investigation. 

In XXXX I called the state of Colorado to find out how the were reporting this, they stated they are not reporting it due to it not being an active open account. They stated that no one has requested any information from them. 

This inaccurate, incomplete and outdated information is an FCRA Violation and they fact that it has been over 60 days and they have not even investigated this is a blatant disregard for the law. 

Ive included both letters that were sent to them and a copy of my credit report with the inaccurate information
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (DE)

Fay Servicing , LLC ( Fay Servicing ) is under CFPB Consent Order File Number XXXX-XXXX-XXXX to abide by Loss Mitigation federal and state laws.XX/XX/XXXX Fay Servicing extended an offer to discuss foreclosure prevention alternatives. XX/XX/XXXX Fay Servicing confirmed my RMA  ( request for mortgage assistance ) application was received and under review by its underwriting department. XX/XX/XXXX XXXX XXXX XXXX XXXX representing Fay Servicing at Delaware Superior Court Case No. XXXX-XXXX-XXXX filed among other things for default judgment for foreclosure - hearing is scheduled for XX/XX/XXXX at XXXX. During loss mitigation my loan was transferred from XXXX XXXX to Fay Servicing on XX/XX/XXXX.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

I am a COINBASE account holder that has been using their service to buy and sell cryptocurrencies regularly. On XX/XX/2021 an unauthorized transaction occurred on my account without any notification. My entire ETH ( ethereum ) cryptocurrency holdings were sent to a non disclosed location/entity. The total amount of Ethereum lost was XXXX at a value of {$16000.00}. I discovered this on XX/XX/2021 when I logged into my coinbase account and noticed that a large amount of my portfolio was missing. I subsequently spent the next several days on the phone with COINBASE support teams ( which averaged over an hour on hold each time ) who were unable to tell me where my holdings were sent to, why this happened, and whether I'll be reimbursed. They sent me several emails with instructions to change my account password, update my cyber security software, and freeze my account ( all of which I completed ). I was also asked to review my transaction history and contact my local authorities. 

After reviewing my transaction history it was shown that the funds that I lost were sent to an account titled XXXX XXXX '. I subsequently called coinbase support to ask them what this means and was told that a 'specialist ' is looking into the case. They were unable to provide me with the specialists name or offer any reason to why this happened. 

After researching on the internet it seems that other users have experienced similar issues to mine around the same timeline. It was advised on a XXXX thread to contact the CFPB and FTC which I am now doing given that I havent received any adequate help from COINBASE
Consumer complaint received 2023-03-16
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and Equifax is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both Equifax and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!
Consumer complaint received 2022-10-18
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 (WI)

I am including the letter that I sent to Bank of America regarding a credit card dispute. I had ordered tires by mistake, and wanted the order canceled. I was told over the phone that this would be taken care of, but the order was still sent. Due to this, I then disputed the transaction from an auto company, who, after a lengthy dispute, said they would accept the return. I have all of the email records and screenshots of the issue and their guarantee. 

Instead of accepting the return, the merchant responded to the dispute. 

Bank of America followed all of this up by sending me the documentation regarding the dispute ( dated XX/XX/2022 ) but indicated it was due on XXXX XXXX, 2022. The actual mailing was not received by me ( via XXXX ) at my address until XX/XX/2022 ( yes, I check the mail every day ). Their customer service representative also indicated that there were no notices sent via their online portal. 

The timeline for these disputes is not long enough and did not give me time to respond properly to the complaint. They need to do a better job of taking care of their customers.