davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I received a promotional offer for a Citibank XXXX card with 0 % APR for 18 months. When I received the card approx XXXX weeks later it said only XXXX  months XXXX XXXX. I called them and the agent said I need to mail back the original page of the offer. I didn't want to lose that proof and offered to send a picture of it. The agent kept insisting I lose the original page stating the 18 months, which is very shady! I decided to submit a complaint of fraud and scam!
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was scammed for {$350.00} by a girl named XXXX XXXX and by her partner named XXXX XXXX. I was scammed for 2 concert tickets for me and my cousin and she did send me the email of the ticket transfer to my email but instead at the end she made it more complicated to receive the tickets so at the end I got scammed.
Consumer complaint received 2018-09-11
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. (AL)

I have been going back and forth for several months with disputes with Equifax regarding my 2 accounts with XXXX which are both being reported inaccurately. On XX/XX/2018 I submitted an online dispute with Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX for both of my accounts with XXXX requesting an investigation into the matter. I stated to them that the XXXX accounts were being inaccurately reported. Although in this latest dispute and my request for written verification per the FCRA, Equifax is still listing both of the accounts as being 120 days late. They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018. Both accounts were paid in full and transferred so how can they be 120 days late? Why does Equifax refuse to provide me with the written verification? All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received an offer to open a high yield savings account with an interest rate that is variable and subject to change at anytime. I opened an account and transferred a large sum of money in. Then I logged into my account online ( and also via the app ), and I realized that my current interest rate is nowhere to be found. 

I reached out to a representative via chat and after about 20 minutes on hold, was informed that the information is not available online and that I would either have to call or chat with a representative to able to access that information. ( The rep did provide me with my rate, which is what was advertised ). However, due to the fact that I can not readily access this information, that by their own terms is " subject to change at anytime '' places me in a position of continuously having to monitor and by extension, spend an inordinate amount of time daily if I want to keep informed of my current rate. 

I believe not having this information readily available online for my immediate access is a flagrant attempt to conceal pertinent details of my account from me. Further, although they disclose that the rate is subject to change at any time and without notice, this is at best, a deceptive practice and tactic ; as no rational person would think that they would not be able to view their account details online while being able to do everything else online, such as move large sums of money in and out. Which I was able to do via this institution 's online portal. 

I feel this is an intentional and deliberate attempt to steer customers and their dollars in, under the guise of " transparency '' ( in that their terms do indeed clearly spell out that the rate is subject to change and without notice ) but the most basic and essential elementhaving clear access to ones account details, is all the while obscured. 

I want to officially lodge this complaint as I would have never even bothered opening an account had I known this. As a result of the deceptive practice, I now have to make a decision, keep my money in, and spend an inordinate amount of time daily to keep abreast of my account, or move my money back out and lose another XXXX business days on a high balance not accruing interest somewhere ( as it took 5 days in transit just to get the funds in ). Either way, Ive lost time and money already. Not to mention the time spent in having to lodge this formal complaint.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MN)

On XX/XX/XXXX, there were charges on my card that were made in another city that i do not live in. I reported the problem to the company ( netspend ), and within 24 ( actually less ), they closed my account, which is what i wanted and i ordered a new card. Instead, they closed my account and made my access to my online account inactive. They also made it to where i can no longer be a netspend customer or account holder. I still have money in this financial institution with no access to it. This is very funny to me and my senses are red flagging all over.
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This organization has purchased the debt at issue from Capital One.

I have never done any business with Capital One or XXXX XXXX XXXX ( hereinafter XXXX ).

I have informed XXXX via reply to one of their notifications regarding this debt. I have informed both Capital One and XXXX that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement.

XXXX claims I opened an account online with Capital One. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and XXXX  will not receive one penny towards this false debt.
Consumer complaint received 2020-09-23
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. (VA)

I TRIED TO FREEZE MY CREDIT REPORT, ONLINE, AND THEY REFUSED TO DO THAT. HERE IS WHAT THEY REQUIRED. This is extremely inconvenient and not timely to freeze credit by having to do all this. No reason should not be able to do this online. Also, Experian won't provide a credit score without payment. They also want money to do an online credit freeze. Experian is the worst company. They were also hacked and all my personal data was breached, so they should provide their services for FREE! I provided them correct information. No problem with the other 2 bureaus. 

We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as XXXX, XXXX, XXXX, XXXX, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy  of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or  permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-07-30
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-09-09
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivable Solutions, Inc. (OK)

I, on behalf of my husband, called XX/XX/2019 to inform Receivable Solutions, Inc. upon receiving a letter ( dated XX/XX/2019 ) that the account about was already paid off through the hospital. A mix up in accounts had caused a delay in payment being posted and the account was current. The lady who took my was rude, interrupting me, and refusing to allow me to talk. When she said her name it was muddled. As I tried to explain the mistake that had caused the issue, she interrupts me to say I have an account in collections as well. I explained that I was not aware of this account, but that shouldn't be. She was condescending about having her supervisor " check into '' the information I had provided about payment being made directly to the hospital. I asked if I could speak directly with that supervisor. She then said that if someone was there to talk me as if no supervisor was available to talk to me. After being on hold for several minutes, XXXX answered, who identified herself as a supervisor. I told her about how I was treated by the first lady. The supervisor apologized for me not being treat to " my expectations '' and said she would talk to the lady who took my call. After concluding my business matter ( putting my husband 's account on hold until the information I provided could be verified and closing my account ), I again asked about discussing customer service with the lady I spoke to earlier. The supervisor again said that she would talk with her. I asked if the supervisor could provide a follow-up about the matter. The supervisor then told me that she would replay the call and talk to her. I asked third time for a follow up on customer service training and she told me that she doesn't call customer 's spouses back. After I reminded her that I was a customer also, by her own admission, she said doesn't call anyone back about reprimands.
Consumer complaint received 2019-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hai this is XXXX XXXX XXXX and i got a mail saying that i have been pre-approved for {$1500.00} from Capitol One and after i applied they gave me {$300.00} credit approval account number ending with XXXX and my last four digits of social security is XXXX and i am totally dis-satisfied with there entrust statements and false promises.i know my credit score was bad but they pushed me to apply this card to get {$1500.00} limit but they cheated me by giving me {$300.00} approval I want to raise the complaint on the creditor and i dont dont want any kind of relationship with them and please do close my account with these kind of scammers and my scores should effect even i close this account Please try to help me out with this case and ban this kind of cheater in the market Please contact me on my phone XXXX
Consumer complaint received 2019-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc. ()

I am running a XXXX company and I have a customer based in the USA. My customer advised me to use the financial service Veem.com to request payments due when I issue my invoices to them. It all worked fine until I changed my bank to XXXX XXXX. Since XXXX  is based in the XXXX, I had to change my bank country to the XXXX and after that, the only bank details that I was able to supply were the account number and sort code. These details are normally only valid for domestic transfers, but I am not a financial professional and didn't pay enough attention. The payment for my latest invoice was marked by Veem as " completed '' on the XXXX of XX/XX/2019. I usually get the payment cleared on my bank account within a day. I haven't received any money and I got in touch with XXXX. They couldn't trace any incoming payment and asked me to request the XXXX document from Veem. I asked Veem the same and the only thing I got from them was a screenshot from their system. After analysing that screenshot, I figured out that Veem didn't make a domestic XXXX payment but used SWIFT to complete the international transfer and they used the wrong IBAN number. Clearly, they use an unreliable IBAN calculator. There's no reliable way to generate a XXXX IBAN number from domestic bank credentials. 

Now, it's been three weeks. I get in touch with Veem every second day. They keep telling me the same - they recalled the funds and nothing happened, they are asking their bank for XXXX but they couldn't get it for unknown reasons. I suspect that Veem has lost my money and they are not willing to resolve the situation.
Consumer complaint received 2019-09-09
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. (KS)

XXXX XXXX at Transunion who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and XXXX for a violation of the fair credit reporting act and fair debt collection practices act.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I submitted a mediation form, waiting to speak with the person who is assigned to my case, I feel that i should be compensated for there improper acts being a banking XXXX ion I believe fraudently taking out an accedential death policy without my knowledge classifies as FRAUD. There are several post on reddit stating the process step by step .I never got a redress call .they are not going thru this process I m not happy with the minimum cash comphenstion how dare they take out a cedential death policy on me an give me the minimum, Banks should be held accountable for there fraudulent acts.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I called them they domt know why or how it could happen because they seen my account I'm current, good standing. No late or missed payments. So they are also confused why all XXXX of their accounts were closed. I have other cards and they didn't close my account. Only synchrony bank. I paid always all of my cards and would like them reversed since I have done NOTHING WRONG. THIS IS ILLIGAL WITHOUT PROPPER NOTICE. They have all the information om my CURRENT accounts. They disputed it so they said we will see what happens. I have called them and they still saying the same thing. Sometimes it happens?! Whattt. This should be illegal for the hardworking XXXX. I can not pay those cards if they are closed and I will not since they didn't do any good paying on time and never late anyways.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

XX/XX/2019 a charge to XXXX XXXX for XXXX XX/XX/2019 a charge to XXXX XXXX for XXXX transactions 1 minute apart. Filed a claim and they have never responded. The wont answer the phones. XXXX even sent them a ref number and are aware of the problem. Cant get Direct express to answer phones. Tried calling from XXXX to XXXX XXXX and no answer. How can a company let to large transactions clear 1 minute apart. Other card companies flag this type of transaction. The complaint was filed the same days as the transactions.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Back in XX/XX/2017, Equifax discovered that their system was hacked, and that they disclosed millions of personal credit account information to the hackers. 
In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX t o help people affected by the dat a breach . Part of this settlement involves free credit Credit Monitoring and Identity Theft Protection Services. I emailed Equifax from my home PC and signed up for this, at least a month back if not more like 6 weeks but I have not heard back from Equifax since. I need to know what's going on with my inquiry/complaint.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.
Consumer complaint received 2019-09-09
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. (FL)

XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.
Consumer complaint received 2023-03-29
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this inquiry be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX