davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (GA)

I had serval thousands of dollars of fraud on my Citibank credit card in XXXX after your company erroneously sent a replacement card to the wrong address. I paid approximately {$760.00} and disputed the charges which were ultimately determined by Citibank to be fraud. That money was never returned to me. I need all money owed to me refunded and sent to my new address below. I contacted your company attempting to resolve this issues several times and was finally told to write a letter with the information below to this address. Please let me know if there is anything else I need to do. 

I contacted CitiBank via a phone call on XX/XX/XXXX after being notified by a third party that the money was owed to me. They told me to mail the information to them which I did the same day. I mailed them the information above with additional credit card information. I have still not been contacted by the company. Since then I have spent hours on the phone trying to resolve the issue with CitiBank without success.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.
Consumer complaint received 2021-09-13
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. (MD)

I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I called GDAX phone number which I found on line and an agent of GDAX/Coinbase moved my investments from coinbase to coinbase pro along with {$4000.00} from my bank. He also was suppose to moved my investment from XXXX XXXX to coinbase but only moved one. During the same month I noticed that my default portfolio was just around $ XXXX when my portfolio account should have been around {$20000.00}. 
I have informed Coinbase using their help/support ( XXXX ) section of my concerns and what needs to be done to fix this discrepancy. To date I received a number of case numbers of which none solved my concerns, I then contacted their complaint department ( XXXX ) who indicated taht they would let me know the out come in 15 working days. At the end of that period I received no resolution but instead they asked for another 20 working days. I objected to this continued extension/delaying tactics asking them to provide a resolution within 5 working days which end this Friday. All I need from Coinbase are : 1. to use my account as I see fit 2. what happened to my investment and the {$4000.00} that was withdrawn from my bank that was moved from coinbase to coinbase pro.

3. why is my default portfolio showing less that {$1.00} when my balance should be closer to {$20000.00} 4. why is my account showing {$0.00} when I try to withdraw or transfer coinbase pro to coinbase?
Consumer complaint received 2021-04-03
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. (IL)

Cfpb I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Original Complaint ID # : XXXX Issue not addressed by TransUnion. Please see fair resolution to this issue in detail below before responding ... 

On XX/XX/XXXX, I received a renewal letter for my renter 's policy from my insurance company, XXXX XXXX XXXX - Underwritten by : XXXX XXXX XXXX XXXX XXXX XXXX. I have had this same policy across multiple addresses over the past five years with the rate remaining the same. In fact, the newest address that was covered under this policy, saw a reduction in the policy premium for XXXX. However, within this renewal, my yearly policy premium went from {$250.00} to {$320.00} - a 26.5 % increase. I called XXXX on XX/XX/XXXX to inquire about the drastic change in premium. I spoke with XXXX, who at first claimed it was because of the address change. However, when I informed her that there was actually a credit to my account with the new address, she told me it was due to the " consumer report information. '' XXXX directed me to call Trans Union XXXX, Consumer Relations - East at XXXX to receive a copy of the same report they based their increase in premiums on. Later the same day on XX/XX/XXXX, I called Trans Union and spoke with XXXX. I asked XXXX for the report that XXXX pulled. He assured me that I would receive the same copy that XXXX pulled on XX/XX/XXXX. However, when I received the report on XX/XX/XXXX, it was dated XX/XX/XXXX - the date when I called and spoke with XXXX. I then called Trans Union back on XX/XX/XXXX and asked to speak with a supervisor. I was transferred to supervisor, XXXX, who informed me that they could not provide me with the same report that XXXX used in their decision to raise my rates.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CA)

When I requested for a Credit Limit increase back on XX/XX/XXXX, never did they mention that I had to wait for 12 months from the time open my credit card account to request for it. There was also no mention of this to me over the phone of a new policy where a limit increase request would now be pushed back to 12 months. Both XXXX from the Line Increase Dept. & XXXX from the Credit Operations Dept. said on XX/XX/XXXX, only these 2 requirements needed to be met : 1. Six months need to pass since the opening of the account 2. Must clear the delinquency on my credit report XXXX delinquent payment XXXX XXXX XXXX ) Once the delinquency has been removed, XXXX specifically mentioned to immediately call back in the month of XXXX, Discover will honor to increase my credit limit in 6 months, and not 12 months. 

So, I called again on XX/XX/XXXX, to request for the promised credit increase. Supervisor XXXX located in XXXX stated that I have to wait 12 months to request a credit limit increase and not the 6 months, which was against what was originally stated in XXXX. The reason was that the policy just recently changed. My request to increase my credit limit was made before the policy change. Never did Discover adhere to disclose back in XXXX that I will not be able to increase my credit limit once the 6 month period was over. I am filing this dispute to make sure that Discover honors the credit limit increase that was promised to me at the time of the initial request.
Consumer complaint received 2021-09-20
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. (TX)

This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything on my credit report.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (NJ)

Received a collection notice from ACI regarding a debt for XXXX. I contacted ACI around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to XXXX with no response.
Consumer complaint received 2016-01-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (NY)

We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2017-06-25
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. (IL)

Experian has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Experian asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Experian of the inaccurate information and I didnt receive it from Experian. Since Experian doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on X/X/2017 : XXXX. Second Certified mail tracking number sent to Experian on X/XX/2017 : XXXX. Third certified mail tracking number sent to Experian on X/XX/2017 : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account Number : # XXXX Creditor Name : XXXX Account Number : # XXXX Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

This complaint is in response to the inaccurate account information by COMENITY BANK regarding their response to the CFPB complaint : XXXX. Please do not mark this complaint as a 'duplicate ' response as I do have a valid reason to ask that you, please provide the certified receipt number with my name and signature as proof that you mailed a response in regard to my 'notice of dispute ' initially. How is it that you are telling you responded in a timely manner when I filed a complaint because have no record of your response? This is one of the main reasons I filed a complaint with the CFPB in the first place. If you can not provide such proof your previous statement is hearsay. I want the accounts removed from all CRAs based on the Furnisher Rule Regulation V 660.4 ( e ) and the FCRA 's requirement to investigate that an account must be investigated within 30 days upon receipt of the letter. Please provide proof of how you verified the accuracy of this account and proof as stated early that you did respond. The date of last payment is inaccurate. It reports that the date of last payment as seen on XXXX is XX/XX/2018, but it reports in the payment history section of the report that the date of the last payment was in XX/XX/2018 in regard to account number XXXX. That is an inaccuracy and since you stated your organization verified this info to be accurate, then it is fair to say that COMENITY BANK violated 15 USC 1681s-2 ( a ) ( 1 ). For non-compliance, The FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Friday, XX/XX/2021, a check for a {$1000.00} scholarship from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois ( XXXX of Illinois ) was deposited into my account ending in XXXX. On Saturday, XX/XX/2021, notification was received that this check needs to be verified. Upon calling Capital One, no one could provide me with a reason as to why the check needs to be verified other than stating that it looks like it has been altered. The check is printed and not handwritten and has security features on the check to avoid any fraudulent activity. I was told that the bank needs to speak with someone from the organization before they will release the funds. I have provided the name and telephone number and received no help. Today, Monday, XX/XX/2021, I have spent about 5 hours on the phone where the calls ended with Capital One disconnected the line and providing no help. This is the SECOND check this issue has occurred with. Both checks are for scholarships that my son has received for college expenses. 
Capital One representatives have provided NO details or information as to why these funds are being held. When I have inquired about more details, I have been told " we don't have to answer that. '' I have 7 accounts with this bank including 3 credit cards, 2 checking accounts, 1 savings account and now my auto loan. No one should be treated this way when trying to handle their financial business with a banking institution.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

Per Chrysler 's own communication, the account was charged off on XX/XX/2020. They have provided me no 1099 reporting whatsoever, thereby violating United States Tax Code. They are failing to report tax withheld on this transaction despite my repeated requests for proper reporting to the Internal Revenue Service.

In addition to violating tax code, Chrysler continues to send out a repossession outfit harassing me and trespassing on my rights as a private civilian consumer. This is not ok when the matter should already be resolved in full with a XXXX  balance.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (RI)

Today, XXXX XXXX, XXXX was the second time in a month I telephoned Macys to review my credit card account and request a decrease in interest as the interest on the account keeps going up. On both occasions, I have spoken with the basic customer service representatives who have both told me that Macys is not reducing interest rates at this time. Both times I have asked to speak with a customer service representative. I am put on hold for an unusual amount of time, the " supervisor '' answers the phone, states they will not be reducing interest and then hangs up on me. This has occurred twice. 

I am unable to speak with anyone at the credit card company who can possible assist me with a review of my account. I have been a loyal customer for many years and do not believe my account should be handled in such a way that when I make a request, I am automatically hung up on.
Consumer complaint received 2021-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCE CORPORATION (OK)

On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, XXXX, & One Main. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX  representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Debt disputed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Asked for validation on 3 different occasions XXXX XXXX sent nothing but a bill with totally different last name and address not associated with me. No social security number or identification attached. After a few attempts it was deleted from credit bureaus file. I 've recently noticed the same debt placed back on all three credit bureaus under a different collection agency Diversified Consultants , Inc . I immediately asked for validation it 's the same information from previous collection agency that I originally disputed.