davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Received email stating update to Experian Credit Report through their paid subscription credit monitoring service. Upon looking at credit report, noticed 2 new  inquiries from XXXX and XXXX which were never on report before and were displaying negative activity. Contacted XXXX  XXXX  XXXX  whom verified only 1 account as current, paid on time. Not sure where other 2 accounts came from, not theirs, and did not report them and would start investigation which lowered my credit score from Good, past Fair, to Bad, XXXX - XXXX. Then tried to contact Experian Credit Bureau directly by phone and this is my complaint. There is no way to contact Experian by phone. A number is not offered. My complaint is there should be a way to contact Experian by phone and speak to someone concerning the credit information Experian reports about me. The other 2 credit Bureaus offer contact phone numbers yet are not showing my incorrect info. Go figure! I believe if Experian is going to selectively report inaccurate info that is 5-6 years old, out of nowhere, the injured person should have an opportunity to contact Experian by phone and speak to a live person to confirm circumstances surrounding the new inaccurate information. Experian deliberately does not provide this and may be the reason for this activity.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/2022 an unknown person in XXXX XXXX SC opened a checking account and savings account using my personal information including, the following : Government name Address Cellular Email address SSN Both accounts were closed today XX/XX/2022, the bank called me to check on the accounts that said were opened. I explained I didn't open or authorize either account. I went directly to the bank to prove my identity to close the accounts that were opened in my name without my permission.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I logged into my account on XX/XX/2020 to see that my accounts were closed. I immediately called Citi to see what the reason was and they told me that they had determined to close them after a maintenance review and that my spending and payment patterns were not what they want to see from someone using their cards. I requested reinstatement of the accounts and was told that this was a final decision.

I always paid my cards on time and rarely let them close with a balance and, when I did, I paid them immediately.

I received no official communication from Citi for the closures of my cards as well, violating a basic expectation of the relationship.
Consumer complaint received 2019-11-11
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: CONTRACT CALLERS INC (AR)

3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or discarded. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-12
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. (TN)

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK ()

I had a Credit card from Discover in XXXX, but I lost the card in the year of XXXX. So I called Discover to close my account. I have paid all my balances at that time. However, I kept receiving emails from them, saying that I have payment due ( ~ {$63.00} ) to them. 
Finally in XXXX, when I returned US, I called them back, ask them why I still got emails from you and have payment due even though I have already closed account many years ago. They explained that it was because it was the cash reward associated with my card, it is the money they owed to me. So they asked my address to send the check to me. However, the check was never reached to me. Then the worst thing the Discover did was to charge the check they sent to me on my closed account. Because they send it twice, so they acclaim that I own them ~ {$130.00}. 
Ever since, they kept sending me emails saying that I own them XXXX usd, and the amount is kept growing. I called them many times from XXXX, as I left US in the summer of XXXX. With hours of long international calls, they finally admit that it was their mistake in the system, they should not have charged me for that. However, even now I still need to receive the same email for the payment due acclaim but with different amount, this time is {$84.00} ... I have no idea how did they make such random numbers and why they could not respect their customer and give them some peace even though they have closed the account many years ago.
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/2021 Capital One Bank illegally confiscated funds granted to me, ( XXXX XXXX XXXX ), by the Alabama department of labor via a closed account. I wasn't notified and contacted them XX/XX/2021. The issue was not resolved.
Consumer complaint received 2020-11-29
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The XXXX XXXX XXXX XXXX XXXX send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.
Consumer complaint received 2019-11-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

I have been contacted several times by a particular agent with Freedom Mortgage, XXXX XXXX XXXX. ( ID # XXXX ). This particular person contacted me asking if saving {$20.00} or {$75.00} on my mortgage payment monthly sounded like a good savings. I replied and told him neither as I would not be interested unless I could save about {$200.00}. He then proceeded to ask what I would like my payment to be at. I responded and said below {$100000.00}. he came back and said what if I could do {$1000.00}, I said no. Then he said about $ XXXXI said no. then he said {$990.00}? I again said no thank you. He proceeded to tell me about the loan process and refinancing option that I had. I kindly told him that I was looking around at other mortgage companies because Freedom Mortgage screwed me over about a year or so. I told him what happened and he said that he can assure it would not happen to me this time around. I told him I was weary based on the information he was providing me around the escrow analysis process. ( This is how I got XXXX  last time ) He offered to send me the documents to review the numbers and terms of the loan, I said great. Mind you throughout our conversation he kept saying " I don't think you understand what I am saying, let me re-explain '' he said this about three or four times throughout our conversation. He was not listening to my questions nor what I was saying because he had tunnel vision of a possible close on a refi. I had to tell him three times to get off the phone to send me the documentation and I would be in touch. He kept going! What part of I am not interested at this time don't you understand. I finally hung up. I got an email that says, please review and sign your loan documents. WHAT?! I didn't agree to anything first of all. I can not view the documents unless I start signing them. Then I got a follow up email that says " URGENT- reminder to e-sign your loan documents '' I AGAIN can not view anything without signing documents. I am so disgusted with this company at this point and how aggressive this person was then lied to get the loan documents in my email and con me into signing something I said multiple times that I didn't want to do. I can not wait till rates come back down, because I am done with them. I will not be treated this way nor be conned into something I said I didn't want to do. I want to ensure there is no loan documents in process. I do not want to refinance and I would prefer they stop cold-calling me and lying.
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (NY)

I have applied for a number of loans on PayPal under their PayPal XXXX XXXX XXXX program. They have all been PAID OFF SUCCESSFULLY. 

I meet all of the criteria and I keep getting rejected for the loans, I AM NOT SURE IF THIS IS A MATTER OF XXXX  so PayPal should place all of their communications about this matter to the address listed here.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

To whom it XXXX concern, In XXXX of 2021 I received news from Credit Karma that I had a new credit card in the name of XXXX XXXX XXXX XXXX from XXXX XXXX Bank USA. I knew at once I was a victim of identity theft because I do not have a XXXX in my name and I never applied for a Credit Card from XXXX XXXX Bank USA. I contact my local law enforcement and filed a police report with XXXX Police Department in that year as well summited a report to the XXXX XXXX XXXX. I then contact XXXX XXXXXXXX XXXX USA and informed them that this card was fraudulently open and I was a victim of identity theft. 

I was able to get all statements from XXXX XXXXXXXX XXXX USA and found out that the application was made online, the application statements were written in Spanish and many purchases were made at local XXXX in the XXXX area XXXX The credit card was sent to my old current address in XXXX where I used to live in the years of XXXX. The card was opened in the year of 2021 and I was not living in XXXX at that time the card was opened. I was never in physical possession of the card and never received any statements until I knew I was a victim. I went to the XXXX were XXXX of these purchased were made to try to get surveillance tapes. I was told by the manager to contact the police for them to try to get the records for me. The Police filed a report yet still never received any news if this matter was looked into. The XXXX XXXX informed me, We dont have the man power to look into this at this time. 

I have also contacted all Credit Bureau of this identify theft and my name is still showing up as XXXX XXXX XXXX XXXX. They have failed to do their jobs at protecting my identify of this matter when documents were sent to them on this matter. 

Last year I was served from XXXX XXXX XXXX XXXX in XXXX, WA sent me a letter telling me that they were taking me to court if I did not pay off the charge of the card. I went to court to submit my letter to the courts as well as sent my letter to them. I have still not heard from XXXX XXXX XXXX about if they are still taking me to court. 

So here I am waiting for someone to do their jobs
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I have had several credit card accounts through Synchrony Bank. They will reduce your available credit every time your credit fluctuates down. Credit ia a tool that people use when they need to and as long as my payments are on time the available credit shouldnt fluctuate. No other credit card company does this and I feel it is unfair because of how volitile credit scores are- it makes me not want to have any account through them and they are the ones that do most retail accounts. I plan to slowly move my accounts to banks that dont treat you like a child and stand by their offer of credit!
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Winklevoss Exchange LLC (NY)

I am writing to express my dissatisfaction with the current situation at Gemini XXXX. I recently attempted to redeem rewards from my account, only to be met with a lengthy and confusing process that has left me without the funds I am owed. 

Gemini XXXX advertises itself as a quick and easy way to earn rewards. However, this has not been my experience. Upon attempting to redeem the rewards I had earned, I was met with a confusing and difficult process. It first required me to fill out a lengthy form, with a variety of personal information that I had already provided when I signed up. After completing this form, I was then told I had to wait an unspecified amount of time before I could access my rewards. 

I understand that there are certain security and verification processes that must be followed in order to ensure that all transactions are completed safely and securely. But this process should not be so long and XXXX  that it becomes an obstacle to accessing rewards. Furthermore, I was not provided with any information on how long this process would take, leaving me in the dark as to when I could expect to receive my rewards. 

It is also concerning that there is no clear customer service line for Gemini XXXX. I have attempted to contact customer service multiple times, but have not received a response. This lack of communication is particularly concerning as I am unable to access my rewards and have not been provided with any information about when I can expect to receive them. 

I am extremely disappointed with the current situation at Gemini XXXX and feel that the company should provide more transparency and communication with its customers. I believe that the process for redeeming rewards should be simplified and that customers should be provided with more information about the timeline for when they can expect to receive their rewards. Additionally, a customer service line should be established to ensure that customers can contact the company in the event of any issues or questions. 

I hope that Gemini XXXX will take my concerns into consideration and make the necessary changes to ensure that customers are provided with a more efficient and transparent experience when attempting to redeem rewards. 

Thank you for taking the time to review my complaint. 

Sincerely, XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX, XXXX ), ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX, XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

A credit report agency Transunion report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit 0 Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Loan South Finance & Tax Service of Troy, LLC (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XXXX XXXX XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WY)

This inquire is a duplicate, please delete it leaving only 1 ( XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX )
Consumer complaint received 2019-11-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC (FL)

XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Loan servicer : LoanCare at XXXX. 

This loan is a 30 year VA Mortgage but the creditor and loan servicer will not report it as such to the credit bureaus. They are reporting this as a mobile home loan. I closed this loan a few months and signed an actual 30 year Note and VA Mortgage at the closing. They are not reporting this properly to the credit bureaus and this is causing a negative impact on how my credit scores are scoring.I have reached out for a resolution twice now with no response. 

This is not a mobile home loan as my home is classified as real property and I pay taxes as such as well. Please help a veteran have his loan reported properly.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!