davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Citibank, which finances store credit card accounts for Best Buy Stores initially approved me for a credit limit of {$2000.00} in XX/XX/2023. In XX/XX/2023, after I made a sizeable payment to pay my debt down, they punished me by lowering my credit limit to {$900.00}. Which is an odd number. Also, made it look like I went from having available credit of approximately $ XXXX {$1300.00} to available credit of {$54.00}!!! They cited that I had high balances, etc but as I stated above, I received a settlement and paid down or off all of my credit cards and personal loans. Weeks later my credit score started going back up! It seems predatory to approve me for credit when I had high balances and inquiries before and now when things are trending down and I pay my bill on time every month and actually paid down all of my other debt too that they would reduce my available to a point that only left me with {$54.00} to use. Now it looks like I'm over utilizing my credit card account, which is also a misrepresentation and not fair credit reporting by any means. That's predatory to me!!!
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AZ)

I opened an account and they never sent me a debit card or checks to access my money. My Cousin sent me monies XXXX via Wire for a funeral they told me to XXXX to myself XXXX flagged that because I now had XXXX XXXX accounts, They told me to add an external account they could not XXXX my Cap XXXX Account they told me to add my XXXX in XXXX external acct I did then Xfered the money to her they flagged my account XX/XX/24 after telling me what to do as potential fraud and now have XXXX of mine in limbo since XX/XX/24 I call every day XXXX times since then and they give me nothing but the run around. I followed every direction according to their own Bankers and now I had to replace my cousins monies buy getting a loan on my car RIDICULOUS
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises (SC)

CBC, LLC continously report to all 3 credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me. They are damaging my credit.

( CBC ) is a third-party collection agency based in Tennessee that specializes in collecting delinquent medical bills.

What is CBC LLC on credit report?

Who is CBC, LLC? CBC, LLC, aka CBC Collections , LLC, is a third pary collection agency located in XXXX, Tennessee. You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Consumer complaint received 2024-05-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OK)

On XX/XX/2024 XXXX issued four purchase return refunds to my debit card. Direct Express has only credited two out of the four refunds stating that XXXX must do a " forced post credit ''. Direct Express refused to further assist me with the matter stating that it is my responsibility to contact XXXX and request the forced post credit in order for the money to be credited to my account. XXXX provided me with the two missing refund transaction ID number stating that they had refunded my account and that it's the banks problem once they refunded the money.

DIRECT EXPRESS NEEDS TO REFUND THE FOLLOWING REFUNDS TO MY ACCOUNT : Transaction ID XXXX {$27.00} Transaction ID XXXX {$28.00}
Consumer complaint received 2023-07-05
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I am submitting a request to block information on my consumer report as I am a victim of identity theft. This was not a dispute, however the CRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifing information was affected by the XXXX XXXX data breach as well as Equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE AND DO NOT PLACE A FRAUD ALERT UNLESS I SAY SO. The accounts that must be removed are : XXXXXXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXXXXXXOpened on XX/XX/XXXXXXXX XXXX XXXX XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX my automatic payment was scheduled to go through. On XX/XX/XXXX I received via email from synchrony bank a confirmation that the payment went through. Apparently the payment did not go through and I received no further communication from the bank, only the original confirmation that everything went though ok. Today I received the first and only call from them to which I logged in immediately and submitted a payment, but my account had already been charged a late fee, my account had been closed and the credit services notified. In other words they notified the credit bureau and not me. I got in contact via phone with a customer service agent from the bank to fix the issue, and even after escalating the issue with the manager she claimed that they can not re-open the account, only submit the suggestions to the consumer resolutions team, but that in no way guarantees a solution.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARCO Group, Inc. (IL)

I am being told that an address of XXXX XXXX XXXX XXXX XXXX, FL is being reported on my credit report this is an incorrect address it is reporting I lived at this address from XXXX which is incorrect information. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX This address should not be on my credit report at all this address does not belong to me please remove from my credit report. 

I feel I am a victim to identity theft someone is using my social security number and possibly my dob as well as my name I have gotten several alerts of accounts opened that I did not authorize
Consumer complaint received 2022-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Issues regarding total disability discharge. There is a conflict of interest as the Department of Education has contracted the review process for the total disability discharge to a student loan provider, Nelnet. 
They are also my loan servicer and told me I could not apply and my circumstances didnt quality ( which was wrong information ). 
I can't contact anyone at the Depr of Education, or someone " neutral '' to ask questions regarding their answers ( which is incorrect ). How can I trust they will follow the law and I'm not being denied merely because they hold some of my loans? 

I can't reach the Department of Education, all numbers I've tried redirect me to private third party " certified consultants '' who tell me to go on the Dept of Education website for clarification.

Where is my protection and help from Nelent and why can't I contact anyone give me assistance in overseeing the clearly unethical behavior of Nelnet and the Department of Education?
Consumer complaint received 2023-07-05
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. (IL)

we informed XXXX XXXX  this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.
Consumer complaint received 2022-10-07
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV INC. (AL)

I went inside the XXXX Bank now XXXX XXXX on XX/XX/XXXX to inquire about a charge in the amount of {$88.00} on my account on XX/XX/XXXX. The branch was unable to give me a number for the merchant. The desk representative sent an email to XXXX XXXX XXXX called me back on Friday evening and told me without a XXXX ID at the time she was unable to help me and would return my call. Unfortunately, she never did which prompted me to reach out to XXXX XXXX on XX/XX/XXXX stating : I'm trying to cancel services with the POS vendor I was setup with. I never received {$450.00} credit that was promised. My nonprofit, XXXX XXXX XXXX XXXX XXXX is small and the charges at this point are rising and not something we would like to move forward with. We were just charged {$88.00} and I'm not sure what that is for. 

Since, the XX/XX/XXXX I have been given the run around regarding my {$450.00} promotion for signing up for the services was never given to me. It was suppose to be credited to the account within 60 days of me signing up. I have been charged a fee of {$88.00} and not sure what it is for. The merchant also told me in order to receive a paper statement that would be an additional fee of {$10.00} a month. I have been unable to access an online account to receive online statements. They sent me a cancellation form but have not offered a refund or explanation of charges or given me the {$450.00} promotion that should have been credited XX/XX/XXXX. I would not have signed up for the service had it not been for the promotion. The monthly fee should be {$9.00} month.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts and Inquiry. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX, at XXXX XXXX  I was charged {$110.00} from XXXX for a flight to XXXX  XXXX. I have never heard of this airline before because its an XXXX XXXX  and I am in the XXXX. They tried to charge me a second time for about XXXX but it didnt go through because that first charge made me almost overdrawn. I disputed it immediately to Chime and closed my card. I wasnt able to actually make a claim until the payment processed on XX/XX/XXXX which is when they gave me a provisional credit. They were then investigating the claim. I also received a refund from the merchant on XX/XX/XXXX for the amount. On XX/XX/XXXX, I received an email from Chime disclosing that the investigation is finished and that they concluded that no error occurred and said they were reversing the provisional credit affective XX/XX/XXXX. So on the XXXX I called them and spoke to the Dispute dptmt manager and he assured me to disregard the email and that I would not be charged. However, yesterday they did in fact take the money from my account and I have tried to speak to them and all they say is that they can send me the documents within 10 days and or give them more proof that I didnt make the charge.I dont know how im supposed to do that when no other bank made me have to prove that a fraudulent purchase was not mine. I assume they can check IP addresses and things beyond my ability to see the proof. This is very frustrating and financially hard on me and need this resolved.Thank you for your time.
Consumer complaint received 2022-01-16
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. (IL)

I sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I received an advertisement in the mail for a 0 percent balance transfer on a credit card with American Express. I responded to the advertisement. When the paperwork arrived in the mail, with a credit card attached, it stated 0 percent on new purchases for 1 year. I called the number on the paperwork. They said it was not for balance transfer. I explained the miss understanding and said I will not be activating this card. I did not need a credit card. I never removed the card from the paper, nor did I activate it by calling the number on the card and nor did I remove the sticker on it. 

Now XX/XX/XXXX, I receive and email that I have a balance do on an American Express Card. I called to report Fraud, since I do not have an American Express Card. They inform me that its a charge from them for a yearly fee. I explain the situation and that this card was never accepted. I was talking to the Fraud department on Saturday Night at XXXX pm and they said I could contact customer service on Monday. 

On Monday Morning I call and reach< XXXX a manager in the XXXX XXXX Florida office. She said they do not give out last names or id numbers. She said its a yearly fee they can not remove but she can help me cancel the card. I kept explaining that I do not have a card. I asked to speak to her manager, but she said her name is XXXX and she is out sick. 

I take get effort to keep my credit in excellent standing. I do not appreciate them not removing this fee. this is not a card that I have ever activated and I am thankful I ev paperwork to know what they are referring to. This was XXXX years ago that I received that information in error. I have never received any correspondence until now. It is absolutely absurd that I would own them {$95.00} but she was not willing in anyway to help removed this from my credit report. I do not want this reflecting me. I did not use utilize any credit from American Express. I did not go into agreement for any yearly charge to utilise one of their cards. I do not feel I should pay a charge in XXXX for a misunderstanding that happened in XXXX.
Consumer complaint received 2022-10-07
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. (CA)

My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 4. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 5. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 7. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 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