davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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: REGIONS FINANCIAL CORPORATION (FL)

I called to get a promotional balance transfer. I was told yer and given promotion over the phone. Now Regions bank will not honor the balance transfer. They are charging 19.9 % interest rate and a balance transfer fee of {$230.00}. I am 100 % sure it was a promotional rate if not would have never done. Their employee made mistake and does n ; 't even want to honor.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.
Consumer complaint received 2020-08-31
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: SUNRISE CREDIT SERVICES, INC (NY)

sunrise debt collection contacted me by phone at my job about XX/XX/XXXX years ago regarding an unpaid bill, but never was aware of the call they said they sent me a letter about 3 years ago, today they hit my credit report with 40 late payments. their answer was I spoke to them in XXXX when I asked the date they said XX/XX/XXXX which is today the day I called them regarding the situation. they say they have been calling me, however I have not one message from them in years. this is unfair debt collecting. I have 100 percent payment history and no derogatory marks until today. Had I been reminded in the last few years I would have resolved it before it came to this again no calls or messages or letters have been sent to me in years no judgements either.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureaus fell to comply with the law.. I sent out several dispute in regard to my credit concern.. They have not yet to provide me with my investigation results.. They are in violation of the law and I will like for my credit concerns be removed from my credit report.. immediately
Consumer complaint received 2020-07-23
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. (TX)

There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (MD)

Background : My interest rate was 29.99 % on a credit card I hold with the Bank of Omaha and I have continuously paid my credit card balance in full but my troubles began on XX/XX/2023. Please see below for details. 

On XX/XX/2023, I had a previous balance of {$660.00} which I paid in full and a new Balance of {$3100.00}, with Balance subject to Interest Rate of {$2600.00} and interest of interest due. 
On XX/XX/2023, I had a previous balance of {$3100.00} of which I paid XXXX, and a new balance of {$3700.00} with Balance subject to Interest Rate of {$2500.00}, and interest of {$58.00}. 
On XX/XX/2023, I had a previous balance of XXXX of which I paid {$3700.00}. and had a new balance of {$1800.00} with Balance subject to Interest Rate of {$3600.00}, and interest of {$87.00}. 

Prior to the XX/XX/2023 statement I paid {$2100.00} against the amount of {$3100.00} which meant I had a remaining balance of {$990.00}. 
Interest on {$990.00} at 29.99 % according to my calculation should be {$24.00} but I was billed {$5800.00} which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$2500.00}. 
Prior to the XX/XX/2023 statement I paid {$3700.00} against the amount of {$3700.00} which meant I had a remaining balance of {$0.00}. 
Interest on {$0.00} at 29.99 % according to my calculation should be {$0.00}, but I was billed {$87.00}, which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$3600.00} I spoke with XXXX from the Bank of Omaha and she promised to remove the {$87.00} interest charge because they may have done so if I paid the next statement in full.

My concern is that the Bank of Omaha and others in the credit card industry are charging me and maybe tens of millions of others like myself interest on transactions for which we have been billed and at some exorbitant rates. 

I also told XXXX of Bank of Omaha that I will be recording my phone call with her because the bank is recording my phone call with her but she refused to speak with me if she was recorded. 

Where are we with the laws of this great land? Consumers are at the mercy of the corporate giants and it appears that we are helpless.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (MI)

Received Experian Credit Bureau notification XXXX XX/XX/2020 that score increased 5 points from XXXX to XXXX. Received next Experian Credit Bureau notification XXXX XX/XX/2020 that credit card balance fell to XXXX   along with credit utilization. Received very confusing Experian Credit Bureau notification XXXX XX/XX/2020 stating that credit score decreased by 13 points to XXXX. Called several times and been held on hold and transferred 5 different times spanning 2-3 hour window. Can not seem to get answer as to why credit score decreased when balance and credit utilization decresed to XXXX. It seems that the credit score should have remained the same or -- if anything increased. I believe that Experian is in error and should fix the backwards credit score error.
Consumer complaint received 2020-07-23
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. (TX)

There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.
Consumer complaint received 2020-07-23
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)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2020-07-23
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. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX I was charged {$140.00} in Overdraft Fees for {$20.00} overdraft as well as on XXXX/XXXX & XX/XX/XXXX I was charged 2 Overdraft fees over the same transaction twice
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (IL)

I have had this account for years. I recently tried to use card and it failed. I called on and read they put a " hold '' onto my card/account. I did nothing wrong and card should had never been " held ''. I am requesting my card to be active again ASAP as I need access to MY funds in the account. I am XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL card # XXXX
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MA)

On XXXX XXXX I purchased some cryptocurrencies on coinbase.com, then on XXXX XXXX I found out that my account has been disabled, I was not able to log into my account and withdraw those cryptocurrencies ( worth more than 2000 dollars now ), so I immediately sent Coinbase a ticket following their instructions @ XXXX XXXX XXXX Then I received an auto-reply from them telling me my case number : # XXXX From that day on, I 've been waited for 8 days and still nothing from them. Last week I figured out Coinbase 's support phone number and called, each time I stayed on the line for more than half hour, but the calls never went through. 

I 'm pretty desperate and angry right now. It seems like Coinbase does n't care about the customers like me. I know their support team is still functioning because several friends of mine tried to verify their Coinbase accounts last few days and their requests got proved immediately. So my conclusion is Coinbase choose to ignorant technical problems, they only respond to the problems that endanger their profits. 

I want my money back. Please help me.
Consumer complaint received 2020-11-03
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. (TN)

There are two of student loans on my credit file that I have been disputing since XX/XX/XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (MO)

I recently sent letters over 30 days ago to this bureau and they are disregarding a regular consumers dispute. This has been very stressful and I have been sending letters before this complaint and still have gotten no response.
Consumer complaint received 2020-07-23
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. (TX)

There is an account listed on my credit that showing late payments and that is not correct. The account with with XXXX the last four of the account is XXXX. I had spoken with the company and they agreed that it was due to their error and that there should be no late payments listed. I have attached a copy of the letter.
Consumer complaint received 2020-11-03
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. (TN)

There are two of student loans on my credit file that I have been disputing since XXXXThe loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.
Consumer complaint received 2021-04-23
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: Santander Consumer USA Holdings Inc. (TX)

This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-07-23
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. (NV)

THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.
Consumer complaint received 2020-07-23
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. (NV)

THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NY)

I have received an email yesterday which says I have a collection account by Online Information Services where original creditor is XXXX XXXX. 
However I have never opened any account with XXXX XXXX, they also have informed that when I called the company in the very next morning which also is a strong proof that I am facing with an identity theft. Then I started to call the credit bureaus for filing dispute on this account and then I have also called the collection agency, Online information services. They told me that this XXXX XXXX account was opened in XXXX, in XXXX XXXX XXXX where I have never lived. 
I would like to dispute this fraud account and remove it from my credit history. I can provide all necessary documents for that. 
Thank you Best Regards
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2017-12-11
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)

This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.