davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I recently visited the XXXX XXXX on XXXX and XXXX in New York to purchase something. The sales associate mentioned an offer for a " Store Card '', that was explicitly NOT a credit card, and I would save 10 % off my order. I agreed and went through the application, and at multiple junctures, I asked why I was being asked different questions similar to a credit card application, and I was assured it was just a quick check, and I wasn't getting a credit card. Multiple times he said I was getting a " Store Card '' that had rewards benefits similar to a credit card, but it wasn't a credit card. I assumed it was another extension of the XXXX XXXX. After the entire transaction was through I saw that the 10 % was not taken off my transaction and only AFTER the transaction was completed and my shiny new credit card was charged, was I told that the 10 % was going to be put on a rewards balance. This is absolutely disingenuous and I'm pretty sure there are consumer protection laws against this type of behavior. I am lucky in that I have a decent enough credit to be ok with the random credit check and I was able to call CitiBank and have the card cancelled. I just want this to be investigated so that other people who may be  more vulnerable can be protected from this kind of predatory behavior.
Consumer complaint received 2022-01-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-20
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. (WA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2019-08-12
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. (FL)

I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XXXX of XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Consumer complaint received 2017-08-12
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: EQUIFAX, INC. (HI)

I have a paid tax lien showing on equifax. Date of filing is over 7 years ago No DOB or SSN on the records. I have disputed twice with equifax to no avail.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc. (VT)

This company has re-aged the debt in an attempt to continue to collect the debt after the statute of limitations has passed. The debt was originally delinquent as of XXXX XXXX, and was incurred in Nevada which has a 7 year statute of limitations. This debt was slated to be removed from my credit report as of XXXX XXXX. In XXXX XXXX this company changed their internal account number for my account and changed the date of first delinquency to XXXX of XXXX, and now the debt is slated to be removed from my credit report in XXXX of XXXX, another 7 years. This is affecting both my XXXX and XXXX credit reports. I have filed disputes with both XXXX and XXXX, but when they confirm with the collection company, the collection company falsely represents the debt as current, and it has not been removed from my credit report. I have copies of old credit reports from XXXX  and XXXX which shows the correct date of delinquency. 

Please help me remove this from my credit report, and punish this company for their harmful illegal tactics.
Consumer complaint received 2020-11-25
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I submitted a complaint against American Servicing Company on XXXX XXXX 2015 via CFPB. I was contacted on XXXX XXXX 2015 by ASC stating they were going to do an investigation into the matter of alleged missing paperwork, quick change of home preservation officer before a loan modification could be approved, a promise of a new loan modification once my trial period was over, which I was never given. The investigating officer ( XXXX ) gave me a contact number which no one ever picks up. I received a letter from their attorney who is ready to put my home up for sale through the county Sheriff office. I contacted ASC attorney within the ten days as requested notifying them how I was going to secure the loan. I stated in the letter I am applying for a home loan modification with ASC I have yet to hear anything from ASC or the investigating officer and today date is XXXX/XXXX/2015. I believe my rights to secure a loan modification has been violated. Promises to grant a loan modification, lost of paper work, switching of loan officer each and every time I am TO get a decision for a modification, and the new loan officer always states " they have no idea what the last loan officer did '' so I have to start all over. I NEED HELP!!!! 
Lastly, XXXX only contacted me because of the complaint I placed with CFPB.
Consumer complaint received 2019-08-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maximum Title Loans, LLC (TX)

XXXX XXXX XXXX kept calling and Harressing me consently regarding and XXXX XXXX after me and my XXXX XXXX contect person XXXX XXXX one of accounts Manager at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has sent Both XXXX XXXX Store Manager on XX/XX/2019 and XXXX XXXX from XXXX XXXX XXXX Collection Department the Power Of Attorneys Authorization form to communication with as my Power Of Attorneys from XXXX XXXX XXXX regarding my loan account and amount to set up payment arrangement to get them to set up and settlement offer to settle loan account. And provided them the cease and desist notice on XX/XX/2019 to cease and desist and terminate any all collection Harressment cal and to direct all communication with XXXX XXXX XXXX my Power Of Attorney to settle my loan account they has on filed and they consently kept calling and Harressing me regarding loan dept.
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCollect (WI)

So I was in a car accident in XXXX and went to the ER. I never received a bill from the hospital and assumed my insurance had covered it. I even called the hospital after not hearing anything and they could not find I owed anything. Come XX/XX/XXXX and I start getting letters in the mail from lawyers trying to get me to hire them for my lawsuit. Um what??? I had to look at my states court system just to find out I was being sued. I XXXX the company and called right away. They say I owe XXXX and I panic and pay. 1. They tell me it's still a judgement. They then inform me that I owe another XXXX! and they will sue me for that as well. I have no idea what that XXXX was even for. I never received anything. They then told me to pay like XXXX biweekly which is impossible. When I said that they attempted to make me promise to pay with a tax return I did not even get. I felt very pressured and uncomfortable. Now the harassing phone calls and emails begin. I DO not thing I should have to pay this. I didn't even know! and they used really harmful tactics.
Consumer complaint received 2020-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX  and Transunion should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX   as well as the bureaus to remove this line item from my credit report however, I have not been successful.
Consumer complaint received 2018-09-27
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: Experian Information Solutions Inc. (CA)

I have been paying for a monitoring service from XXXX XXXX XXXX/Experian for the past 2 years and I have not been able to get all 3 scores only Experian .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that XXXX does not have my correct social security number. I have called XXXX and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.
Consumer complaint received 2022-11-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; 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 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 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 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 XXXX XXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-09-18
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: AMERICAN EXPRESS COMPANY (TX)

Promotional term was to receive XXXX delta airline miles if I accepted the American Express C.C. and spent at least {$1000.00} in the first 30 days. I met the terms and spent the required amount and much more. My account is in good standing and no late payments or other failings have occurred. My card was opened XXXX XXXX, XXXX. I spent the first {$1000.00} + within 72 hours. 

I began asking about my XXXX airline miles in XXXX, XXXX and every few weeks thereafter. Initially, I was told it was a four to six weeks wait. In early XXXX, the issue has now been referred to as a computer glitch and would be corrected in about two weeks. Every two weeks it is another two weeks.
I have been assured, repeatedly, that I have met all the terms to receive my miles and that I am not alone. I have been told during the last six weeks that it was a problem that effected thousands of people and it takes time to fix. 

I was lead to believe by a supervisor that it was n't actually a computer glitch but in fact a different sort of problem.
Consumer complaint received 2018-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I sold an item on XXXX which was a digital code for a game I had to send the code through XXXX messaging I received a message saying the person did not make the purchase I thought they were just having second thoughts because I did not deliver the code right away So I double checked by sending them a message to see if they still wanted the code or they wanted a refund and they said they wanted the code So I sent the code and then after I sent the code they say their account is hacked and do not communicate with their account So I call XXXX and explain the whole situation and they end up releasing the money on PayPal to me So a couple of weeks go by and then I get an email from PayPal saying there was a dispute and so I call PayPal about the dispute and I explain what happened and they tell me to appeal the dispute and I did what they said I get the results of the appeal and I somehow loss and the reason was I have no protection for intangible items but under XXXX buyer protection the buyer had no protection to make a complaint on XXXX so the buyer went around XXXX and did it through their bank So I called Paypal the day I got the results and asked why I lost and I explained again what happened and he said he would allow me to appeal again So I called XXXX to let them know what was going on and they said let 's do a 3-way call with Paypal and then when we call PayPal the agent tells me I am not getting an appeal and I will not be getting credited back the XXXX dollars they charged me which is split up by XXXX for the item and XXXX for a chargeback fee So the buyer went around XXXX by going to their bank and I am having to pay for the buyer 's mistake
Consumer complaint received 2018-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I got a loan for XXXX from XXXX XXXX, last year, set up to pay back twice a month about {$200.00}, its been over a year and not even XXXX has gone to pay down my balance my current balance is {$3400.00}. I was told that the interest wouldn't be that high, and I called before to ask why my balance wasn't going down, and couldn't even get a straight answer. So I went online to look back thru this agreement, this is what I saw..no wonder none of my money is going toward anything. 

This was copied and pasted from the account online ( net credit website ) rate 64.87 % interest {$8500.00} Amount I borrowed {$3600.00} Total I would pay = {$12000.00} this is a total outrage, at this point I have stopped my draft, mind you i have never missed one payment, prior to this complaint, even tho I was struggling to pay this back, and to see that my money is not going to anything but net credits pockets was sickening to see. I fell like I've seriously been taking advantage of. I feel violated and preyed upon, and I need to know what to do to get out of this high interest rate loan. this shouldn't be legal, this is not right. I feel like I need to get a lawyer. 

I have attached my full contact from this predatory lender.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 

.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my credit report.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from my credit report.
Consumer complaint received 2022-11-18
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peerless Credit Services Inc (PA)

i was called by someone named XXXX from XXXX XXXX threating to report to my authorities for a car warranty that I did not buy. Threatened to call call my place of employment as well. I call blocked her but she continued to call me from other numbers. 
Her numbers are XXXX and XXXX.