davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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: LEXISNEXIS (IL)

LexisNexis and XXXX continues to report incorrect information I have stated several times my name is XXXX XXXX remove any other name or names listed this is my final attempt to resolve this matter. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX please remove any other address. You are a consumer agency by definition of law so you are required to provide evidence of the information you are reporting. Provide the evidence are just delete the information.
Consumer complaint received 2020-08-27
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX  XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/GLESI XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX XXXX {$2600.00}
Consumer complaint received 2022-04-04
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. (CA)

On XX/XX/XXXX I uploaded at XXXXXXXX XXXX  supporting documents to show Experian that my credit card company XXXX XXXX XXXX has been trying to place my credit card account back onto my credit report due to the fact that Experian removed it. They have sent several letters to Experian as well as Request this change via electronic system which apparently is quicker. This information was provided to me which was showing me that they have requested the account to be updated. XXXX XXXX and XXXX has already updated months ago the same request. When I called today to get a status of the requested dispute, I was told that they did not see my information in the computer that I submitted. I then implored the agent to look again. Only after I asked him to look again was he able to take his time and actually locate the information that was submitted. At this point I became very upset because of the fact that I had to call and get the process going on something that shouldve been already in process. I have provided a recording of the conversation between me and Experian so that you may get a better understanding as to the frustration in communicating with this company as well as the lack of knowledge in the field in which they practice.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (NY)

Subject : XXXX XXXX XXXX Barclays for Deceptive Practices I am writing to address a matter of significant concern regarding my recent interaction with Barclays. In the month of XX/XX/XXXX, I applied for a credit offer from Barclays with the understanding that I would be entitled to a {$15000.00} credit balance at XXXX XXXX XXXXXXXX. This offer was extended to me based on my XXXX XXXX, which was above XXXX at the time. 

Enclosed for your reference, you will find the promotional material I received. It prominently highlighted the terms of the offer, including a XXXX XXXX promotional XXXX  through at least XX/XX/XXXX, and a requirement that any balance transfers must be posted by XX/XX/XXXX. However, upon closer inspection, I discovered a XXXX XXXX  " transfer fee '' in the amount of {$600.00}, associated with this credit amount. This fee was conspicuously absent from any proper disclosure and was notably excluded from the material terms listed above. 

The lack of transparency regarding this fee has left me feeling misled and dissatisfied. Had I been properly informed of this additional charge, I would not have pursued this offer. This omission constitutes a clear violation of fair practices and has caused me financial distress. As a result, I am seeking a full refund of the {$600.00} fee that was not properly disclosed. 

My dissatisfaction is further exacerbated by recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) against other institutions for similar misleading practices due to a failure to provide proper disclosures. 

Despite reaching out to Barclays several times, both via phone and in writing ( twice ), I have received no response or acknowledgment whatsoever regarding the issue outlined above.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I WAS VICTIM TO AN IDENTITY DEATH AND MY INFORMATIONS WAS STOLEN ON 2015. 
FOR SOME HOW MANY CREDIT CARD WAS APPLY UNDER MY SOCIAL AND I DID NOT AUTHORIZE THEM. 

XXXX  AND XXXX  WAS ABLE ABLE TO IDENTITY THE IDENTITY DEATH AND WAS ABLE TO CORRECT MY CREDIT AND DELETED ALL THE FRAUDS ACCOUNTS. 
HOWEVER, EXPERIAN IS STILL REPORTING ALL THESE FRAUD ACCOUNTS ON MY CREDIT. 
I CONTACTED THEM AND FILLE A COMPLAIN TO HAVE THESE FRAUD ACCOUNTS REMOVE TO MY CREDIT BUT THEY DENIED ME. 

I WOULD LIKE TO HAVE EXPERIAN DELETE ALL THE FRAUDULANT ACCOUNTS. 

I ATTACHED MY CREDIT FULL REPORT ON XXXX  AND EXPERAN
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Recovery Solutions, LLC (PA)

Consumer Recovery Services LLC. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the Consumer Recovery services.

The case number was just the case number for the CRS LLC. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since XXXX 1992. I 've never had this debt nor have never co-signed for or authorized this debt. 

I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. 

XXXX and XXXX removed the account after performing their investigations. Please help. Thank you
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (CA)

Hello, My name is XXXX XXXX. I have over {$7000.00} in debt due to visiting the ER when I was homeless. I was just XXXX and I didn't know how to protect my credit except to not apply for cards I didn't need. Well I was informed by adults that if I visited the ER that it wouldn't go on my credit. Well here we are. I have been paying off the debt that I owe for months ( {$100.00} ) each month since the start of last year. I am sure I have paid off more than 2 of the credit debts. I want them off my credit because at this point my credit just keeps going down.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/year>, I received an " Important - Action Required '' letter from Bank of America ( BoA ) requesting additional information for my dispute of a {$78.00} charge from XXXX XXXX on XX/XX/year> ( claim number XXXX ). The merchandise received ( a box of gloves and a box of masks ) was defective, damaged during shipping. 

On XX/XX/year>, I submitted the requested information and clarification via BoA 's online secure message center, detailing the damage to the merchandise. On XX/XX/year>, BoA issued a temporary credit and assured me they were investigating the dispute. Despite providing the requested information and additional clarification, BoA denied my claim on XX/XX/year>, stating : " Although we understand youre unsatisfied with what was provided, the merchant XXXX charge you for any service or merchandise that you received. '' BoA failed to investigate my claim under XXXX dispute reason code 13.3 ( Merchandise/Service Not as Described or Defective ) or 13.5 ( Misrepresentation ). The claim clearly illustrates that the merchandise was damaged, constituting a defective product.

Under the Fair Credit Billing Act ( FCBA ) and Consumer Credit Protection Act, I have the right to dispute billing errors, which include receiving damaged or defective merchandise. BoA 's handling of my dispute appears to violate these protections by not conducting a thorough investigation and incorrectly categorizing my claim as dissatisfaction rather than addressing the defect.

BoA has a pattern of denying legitimate claims only to later acknowledge their oversight. This points to a systemic issue of reducing manhours spent on legitimate customer issues rather than ensuring fair investigations. Despite my efforts and clear evidence, BoA 's final response did not reflect a thorough investigation.

Additionally, BoA provided false assurance that my claim was being looked into. Their letter dated XX/XX/year>, indicated they were working to resolve the dispute directly with the merchant, which proved misleading as their final decision did not reflect a genuine investigation.
Consumer complaint received 2017-08-02
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)

TransUnion : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with TransUnion & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2024, I received a letter from Bank of America confirming that my dispute regarding a charge of {$58.00} from XXXX, originally transacted on XX/XX/2024, had been resolved in my favor, and my account was credited for this amount. However, on the same day, two contradictory transactions appeared on my account statement : A credit of {$58.00} for the dispute resolution. 
An immediate reversal of the {$58.00} credit. 
These transactions are evident in my account activity from XX/XX/2024. The reversal of the credit contradicts the resolution stated in the letter from Bank of America. 

I attempted to resolve this matter directly with Bank of America by calling the BoA Credit Card Billing Disputes Department at XXXX from my cell phone ( XXXX ) at XXXXXXXX XXXX ET on XX/XX/2024, for an 11-minute outbound call. The agent was unable to assist or provide further insight into the issue. 

Not abiding by the outcomes of a dispute resolution and erroneous billing errors are violations of CFPB regulations, specifically those outlined under the Fair Credit Billing Act ( FCBA ) which requires creditors to resolve billing errors promptly and accurately.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (FL)

Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the 1st time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last year.XXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. 
PLEASE HELP ME WITH THIS ISSUE!! 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-07-22
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: TD BANK US HOLDING COMPANY (NY)

To whom it may concern I have been loyal customer to TD bank credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially TD bank with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called XXXX to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2024, I notified Wells Fargo Bank that there were 2 fraudulent transactions, a withdrawal of {$50.00} for XXXX XXXX XXXX XXXX which was credited back to my account and XXXX for {$960.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both were processed using my ATM card ending in XXXX and debited my checking account, which was in my possession in XXXX XXXX XXXX since XX/XX/2024 and had not been out of my possession. I ONLY use the card for cash deposits or withdrawals at the ATM machine. I was told by XXXX XXXX that an ATM card was not presented for payment. Even though I contacted Wells Fargo indicating that they were both fraudulent transactions, the bank proceeded to pay the {$960.00} from my checking account. 

The claim number assigned was # XXXX. The {$50.00} claim was closed on XX/XX/2024 with no resolution of the {$960.00} portion of the claim. The XXXX XXXX documentation shows that the funds were paid to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as WF told me and my name is not XXXX XXXX and I don't have an Android phone. My son, XXXX XXXX XXXX who lives in XXXX  sent the Fraud team a notarized letter indicating that he had not receive the {$960.00} and he is a POA on my account. His letter was not included in the documentation sent me by WF. 

Perhaps if a WF representative took the time to review the documents they received if wouldn't take 4 months to return my {$960.00}.
Consumer complaint received 2020-07-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I contacted Citibank through their interactive web chat to request assistance and information on how to close a maturing Certificate of Deposit ( CD ). The online assistant named XXXX helped me with the request and proceeded to close the CD. Unfortunately, in the process, XXXX mistakenly also closed another CD that was not scheduled to mature until XX/XX/2020. Citibank then assessed a penalty for closing the CD and took back all the accrued interest for the period. XXXX informed me of the mistake but refused to undo the CD closure and offered no alternative to solve the problem that she created ( see attached chat transcript ). I then reached out to Citi corporate and to my account representative Mr. XXXX XXXX at XXXX. Mr. XXXX promised that everything would be resolved and that Citibank would reimburse all costs related to the closure of the CD and that a new CD would be opened for the remaining term at the rate that I originally had on the CD. On XX/XX/2020 Citibank reimbursed me {$130.00} for the penalty assessed and the interest taken from the CD ( see attached letter from Citibank ). However, today is XX/XX/2020 and Citibank has not opened the CD, and has not paid me for the accrued interest that I lost ( according to my calculations, the amount owed should be around {$110.00}, which is calculated at the CD rate of 2.23 % for 71 days with a CD balance of {$25000.00} ). Furthermore, Mr. XXXX is unavailable and does not return emails or phone calls ( see emails attached ). All my previous attempts to put this issue to rest have been met with excuses and apologies instead of solutions. Citibank has been unprofessional and unresponsive but also is taking advantage of the situation and abusing a consumer. They have breached the contractual terms of my original CD and have demonstrated unwillingness to resolve this situation. As you know, the prevailing rates today are a fraction of what they were when I opened the CD almost a year ago. Due to Citibank 's negligence I can not find any other alternative to make up for the lost interest on the CD. I respectfully request your help to stop this type of abuse and get Citibank to remedy this situation. Thank you in advance for your assistance.
Consumer complaint received 2022-09-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST PRIORITY MORTGAGE, INC. (NY)

Yes, I did submit a complaint. However, I did not submit enough details. I was sold the home " as is ''. However, a disclosure statement was never provided that included noting a dangerous carbon monoxide leak in the gas fireplace, open electrical circuit boxes, lead paint. The seller was XXXX XXXX XXXX. Also, First Priority Mortgage, who sold the mortgage the day after it closed to XXXX XXXXXXXX XXXX, did not inform me of my rights to a disclosure statement, nor its importance, and I have none which I have requested. The FHA inspector noted several of these issues -- no handrails, open circuit boxes, broken windows. The appraiser gave a very low appraisal, which my buyer 's agent XXXX who works at XXXX XXXX in XXXX was shocked by. For this reason, the FHA allowed only payment for an exterior paint and minor fix of the sagging exterior portico. All I was told was to wrap the asbestos pipes with mylar, which my then husband did. And that was all I did. I did not hire any contractors. That is a lie. It actually took 8 months to even close on the mortgage. Is there no recourse here? 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M1 Holdings Inc. (CO)

Shortly after opening my account at M1 Finance my rate of return was reporting incorrectly. It has been escalated dozens of time with no fix. When I attempted to call in after almost 2 years I get routed to offshore agents who refuse to transfer me to management regarding my ongoing issue and just hang up without transferring thus refusing to assist.