davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I put in a report to the bank that my wallet was lost and that the funds from my bank account was taken put in a report and i was told it would take up to 10 days for them to do their investigation before they could give me a credit on my account. Not taken to account that i have bills that need to be paid. I was told by a bank person that they never refund any money to anyone that this happens to the banks name is TD bank and that i can just kiss my money good by I AM REPORTING THIS BANK BECAUSE WHEN I OPEN THIS ACCOUNT I WAS TOLD I WAS PROTECTED AGAINST FRAUD 100 PERCENT this is not the case XXXX WAS TAKEN FROM MY ACCOUNT. I do not know what to do at this point. I need your help on helping me get my money back the account number is XXXX XXXX XXXX XXXX XXXX XXXX  Again I spoke to the bank and i have gotten no where. I do not think is fairfor the bank to tell me that I THERE NOTHING CAN DO ABOUT THIS AND THAT my hard earned money is gone. Please help me in this matter ... ... ....
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

Here is the letter detailing my experience concerning the CitiBank Certificate of Deposit.

[ This letter is to inform you that my check was cashed by someone else using a counterfeit signature. The timeline of the whole story is : ( 1 ) I closed my CD ( amount : {$31000.00} ) on XX/XX/2024. 
( 2 ) On XX/XX/XXXX, I reached out to CITI at XXXX, and a representative supplied me with the XXXX tracking number. Upon examining the tracking details, I discovered that the check was purportedly delivered to the front door on XX/XX/XXXX. However, it's perplexing since there is no signature requirement, no photo record, and no message reminder. Furthermore, the situation is absurd as there is no front door in my community. 
( 3 ) Despite numerous follow-up calls since XX/XX/XXXX regarding the missing check, it wasn't until XX/XX/XXXX that I was notified, through research on my CITI account XXXX that someone had fraudulently cleared my check with a forged signature. 
( 4 ) On the last day, XX/XX/XXXX, two representatives reminded me that a new check could be re-issued to me, and they advised me to send a physical letter explaining the situation. This is the reason for the existence of this letter. ]
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX  and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (CA)

A woman named XXXX is calling all of my family members saying that I owe a debt. I do not have any outstanding debts. When I called back the message says they are from FMR. The number is XXXX.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

My husband, XXXX XXXX XXXX, XXXX & I own a XXXX XXXX called XXXX XXXX XXXX XXXX in XXXX, LA. About 3 years ago we opened a business checking account with Chase Bank. A little more than a year ago a hurricane hit XXXX XXXX, FL, which is where we are from. Most of XXXX 's family still live there. After several of his family members got ripped off by bad contractors, we decided to go there to help them. We did everything legitimately, including getting a business license in FL as well as set up a FL office. We did work on several of XXXX 's family members including his parents, his sister & several of his Aunts & Uncles. The largest of the jobs, which we are still working on belongs to his XXXX XXXX ( XXXX ). He has XXXX commercial buildings that combined needed {$1.00} XXXX in repairs. We have been working on them for a little over a year. During that time, XXXX XXXX was diagnosed with XXXX  It was deemed necessary for XXXX XXXX XXXX, XXXX, my husband 's Father to get power of attorney to handle XXXX XXXX business transactions. All the payments to us up until recently had either been by check or cash. The insurance company had stalled the next payment and the funds we had already received had run out. So, XXXX XXXX tried to make a payment to us with his credit card. They saw that the last name on the card was the same as the recipient and red flagged our account for fraud. They said it is illegal to pay yourself. We explained the entire situation as well as had my husband, XXXX XXXX XXXX XXXX XXXX, his Father, XXXX XXXX XXXX, XXXX & his Uncle, XXXX XXXX go into the branch with their ID 'S to prove they were 3 separate people and the power of attorney documentation. They said they did not care and basically treated us as if we had committed a crime. We have an A+ rating with the Chamber of Commerce & the XXXX XXXX XXXX as well as a 5 star rating on XXXX XXXX We pride ourselves with an impeccable work ethic. They are holding a credit card payment in the amount of {$5000.00} for a staggering 120 days. They are also holding a check that was deposited just before they flagged our account in the amount of {$40000.00}. We are a XXXX XXXX and holding that much money is crippling our business. This is so unfair and it doesn't seem right that Chase can do this to us.
Consumer complaint received 2017-06-21
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: CITIBANK, N.A. (AL)

CBNA is listed on My credit report as having a hard inquiry from applying to a Credit card with them. I Just called their customer service center and they claim they have no record of me applying.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years  now that it does not belong to me!
Consumer complaint received 2017-06-21
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. (LA)

In early XXXX of XXXX I disputed 2 accounts that were reporting on Equifax credit report. They are duplicate accounts which have all the same information including the account number, the date opened, the balance, the date of 1st delinquency etc. It 's now XXXX of XXXX and they ended the investigation of one of the accounts but the 2nd account is still showing that it 's being investigated and that reinvestigation is in progress. The problem with this is I never disputed the account a second time so the last dispute was done in early XXXX, so how can the account still be being investigated. It 's my understanding the factoring company only has 30 days to reply to the investigation and if no response by the time allowed then the account would be deleted.
Consumer complaint received 2018-02-01
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. (MS)

Ive reached out to all three ( TransUnion, XXXX, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Consumer complaint received 2021-08-06
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)

Filed several dispute against inaccurate collections data on my Transunion credit report they refuse to remove the inaccurate information and acknowledge the documentation.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MS)

ABOUT A YEAR AGO I ASKED CITICARD TO CLOSE MY ACCOUNT BECAUSE OF CHARGES THAT WERE NOT MINE AND TO NOT ISSUE ME ANOTHER CARD. THEY ISSUED A CARD ANYWAY.I CALLED THEM TO CANCEL THE CARD AND THAT I WAS NOT GOING TO ACTIVATE IT AND WAS DESTROYING THE CARD. THEY SAID THEY WOULD. TOWARD THE END OF 2016 I GOT A E-MAIL THAT I NEEDED TO PAY A BALANCE ON THE CARD.I CALLED THEM AGAIN AND THEY SAID THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE.THEY DID NOT.I CALLED THEM AND ADDITIONAL TWO TIMES AND THEY SAID THE SAME THING THAT THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE. SO FAR NOTHING HAS BEEN DONE AND I AM GETTING DAILY COLLECTION CALLS AND E-MAILS.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

I have been contacting Kia since the beginning of XXXX that I have lost my job and I am struggling to keep up with payments I asked for a deferral and I was denied because they stated I havent made enough payments to qualify for a deferral I then continued to struggle to make the payments because I can not be out of vehicle because I have XXXX children. In XXXX I contacted Kia and spoke with a representative that escalated the call to a supervisor who advised me if I made one full payment I will be eligible for a deferral. I made the payment and called back in XXXX and they submitted the request for a deferral and it was denied. I wasnt able to pay because Im on the verge of being XXXX so I continued to try and try they contacted me in XXXX and stated that if I didnt make a payment today my car will be repossessed I only had XXXX dollars and they stated that wouldnt stop it had to be XXXX and if I made the payment I would be able to submit the deferral for 2 months so I called around got this money and went ahead and got it paid the following the day and asked the representative on the phone would I be able to do the deferment now and they stated no the payment has to be fully processed before they are able to do this. These calls are recorded and this is stated every time you speak to someone. Kia has not worked with me Ive lost my job because I was XXXX with XXXX  and now Im playing catch up and this company has been giving me the run around. I will be reporting this to the attorney general as well something needs to be done its no way possible that they consider this ma ethical way of dealing with business
Consumer complaint received 2017-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX at XXXX XXXX ET, I entered a money transfer transaction from the US to XXXX : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Total Billed Amount : XXXX USD Exchange Rate : XXXX USD = XXXX CUC Transfer Amount : XXXX CUC Total to Receiver : XXXX CUC Transaction Number : XXXX XXXX XXXX In XXXX, the funds were unable to be retrieved because, unknowingly , Western Union does not allow US Citizens to be defined as the recipient of funds in XXXX. On XX/XX/XXXX at XXXX XXXX ET, I spoke with Western Union Customer Service for 15 minutes and 37 seconds to request that the Transaction be cancelled so that I could be refunded. I was told the transaction was being cancelled. On XX/XX/XXXX at XXXX XXXX ET, since the transaction was NOT cancelled, I submitted an online Refund and Cancellation request with Western Union ; Case Number XXXX On XX/XX/XXXX at XXXX XXXX ET, I called Customer Support again. I was on the phone with them for 42 minutes and 13 seconds, and was told that the system has an error, and that is why they are not able to process the cancellation of the transaction. On XX/XX/XXXX, I used the Customer Support Chat feature to contact Western Union around XXXX XXXX ET, and was told there have been no changes, and that they are still unable to cancel the transaction. To summarize, Western Union has held {$540.00} from my account since XX/XX/XXXX, and has not given me any updates or time frame as to when the  system error can be resolved in order to cancel the transaction and grant a refund.
Consumer complaint received 2021-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CO)

I received a letter that shows it is from American Coradius International LLC dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to XXXX, XXXX. I do not own the account listed and I do not owe XXXX any money. XXXX XXXX XXXX
Consumer complaint received 2017-06-21
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. (NV)

I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WA)

Alright all I did was just transfer money from my savings account to my checking account. But apparently I got ta pay even to move around my money in my bank account. All I did was transfer funds and I got charged XXXX $ which added up to over {$300.00}. I was unaware of this I would not have done it if I was. I would like a full refund since I was using my own money that I earned
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (AZ)

I had a credit card accounts with td bank/XXXX that got delinquent due to personal issues. When i got back on my feet I settled that account under the agreement that they would be completely removed from my credit reports yet it still remains. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. here are the partial account numbers listed on the credit XXXX ....
Consumer complaint received 2017-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I, XXXX XXXX XXXX CITIZEN ( XXXX ) WITH CREDIT CARD BANK OF AMERICA SINCE XX/XX/XXXX ( EXCELLENT PAYMENTS ) GOOD! CARD CLIENT STARTING CREDIT LINE ON XX/XX/XXXX {$300.00} IT CREDIT LINE HAS BEEN KEPT DURING 9 YEARS WITHOUT ( INCREASE ) THE CREDIT LINE. I TRAVEL TO VISIT MY MOTHER OF XXXX YEARS OLD SICK! AND BE IN FAMILY SINCE XX/XX/XXXX. I TRANSFER FROM MY XXXX XXXX CHECKING ACCOUNT {$80.00} TO MY CREDIT CARD BANK OF AMERICA FOR A TOTAL OF {$380.00} COST OF TICKET {$330.00} BUT IT WAS DECLINED. BECAUSE..BANK OF AMERICA SOLELY SEE THE CREDIT LINE BANK OF AMERICA DO NOT SEE THE EXTRA DEPOSIT. ( BECAUSE ) IT IS THE LAW OR POLIZA.OF THE BANK..ACCORDING TO XXXX XXXX. SPECIALIST. CONTACTED BY XXXX BANK OF AMERICA. I WENT TO MY XXXX ACCOUNT AND MAKE ANOTHER TRANSFER {$70.00} NOR WAS ACCEPTED DESPITE THAT THE TICKET WITH XXXX XXXX COST OF {$340.00} XXXX XXXX XXXX SAY SORRY IT WAS NO PAID BY YOU BANK INSTITUTION. ( SEE ) Record Locator : XXXX We were unable to process your flight reservation request. To ensure that your travel plans arent interrupted, contact XXXX at XXXX to make alternate payment arrangements. If we havent heard from you within 7 days of this notice, your flight reservations will be automatically canceled. Please refer to the above record locator when speaking to a representative. THEN I AUTHORIZE TO MY DAUGHTER TO TAKE {$200.00} DOLLARS AND WITH OTHER CASH PAY THE TICKET IN CASH.
Consumer complaint received 2017-06-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

One Main Financial contacted my husband 's cell phone advising that they were trying to reach me for an important business matter. My husband, who when I signed my loan documents was only my boyfriend, is not associated with the loan or account at all. When I provided his phone number, it was under the pretense that he was a reference to validate the information I provided in order to obtain the loan. One Main Financial has called my cellphone 3 times a day, every day, leaving 1-2 voicemails a day to collect on a debt which is in direct violation of TCPA. They do not have permission to call my cell phone, or any known contact 's cell phone, to collect on a debt. They are falsely stating that they are calling my references in order to obtain a valid mailing address for me. I currently have my mail forwarded to my new house, so it is false that they do not have a valid address. They are in violation of FDCPA by calling me numerous times a day and leaving a voicemail each time. I have blocked their phone numbers ( four different ones ) and they now call blocking their number so that they can still get through to leave a voicemail. I would like to report them for their abusive tacticts, calling unauthorized parties about me, and for calling cell phone numbers without written consent. I verbally advised One Main Financial on XXXX XXXX, XXXX at XXXX that they do not have authorization to call mine or my husband 's cell phone and advised them of their regulatory violations. The woman raised her voice, spoke over me, and advised they will continue to call any number I provided including my references, regardless of the number being a cell phone.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (LA)

Kia America Finance / Hyundai Capital sold my information to a debt collection company called XXXX XXXX. This company then called me about a collection and I ask this company to provide a contract between them and I & they couldnt. Therefore that account isnt mine. Also, Kia themselves are reporting on my credit report that this account is a charge off and according to the IRS the canceled debt is gross or ordinary income and income does not get reported on your consumer report. Therefore this charge off is an inaccurate account. Also this company was suppose to send me a 1099-C form within 30 days of the debt cancellation. Ill also be filling out another form due to this. Also, this account would not be a charge off or in collections if Kia would have sent me the documents requested Ive been asking for since XXXX XXXX  XXXX on why I still had a balance after my insurance and gap company made payments. I just received these forms in XXXX XXXX XXXXXXXX after filing a complaint. I also was aware that if anything was to happen to my vehicle 100 % of my loan would be paid off, so I was confused as of why I still had a balance. If Kia would have provided me with the documents I requested in XXXXXXXX XXXX XXXXXXXX instead XXXX XXXX  XXXX this matter would have not happened. Now I have inaccurate reporting on my credit file due to Kias customer service not doing their job.