davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (MN)

I was charged an annual fee in XXXX for the year ahead. Then they stopped charging the fee for this type of account and changed the terms of the cash back adding a requirement to open a checking account to get the rate. This is theft and a change to contract terms without the right to opt out. I am requesting that the fee of {$99.00} to be refunded due to my inability to benefit from the cash back program as agreed in the contract without taking on additional expense and effort on my part.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NJ)

Due to the COVID-19 pandemic, for the first time ever in this account, I accrued a 30 day late payment mark on my credit report. This was all set in motion by the immediate halt to my families income. In all the chaotic mess, I missed my payment in XX/XX/2020. Otherwise, I have never been late on this account before or since. I am making more than the monthly payment amount and the account is actually getting close to being paid off. This pandemic was an unforeseen hardship and it should be held as such.
Consumer complaint received 2020-11-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (VA)

I have used both Avio Credit and Speedy Cash in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

My debit card was used somehow to withdraw over {$9800.00} from my Checking account at SunTrust now truist at the end of XXXX in XXXX  I was leaving for XXXX boot camp on XX/XX/XXXX of XXXX  I called SunTrust after I realized my account was negative {XXXX} I was assured that I would not be held liable and I would be reimbursed my funds while I was away at boot camp. While I was at boot camp I could not have any communication with the bank and I made them aware of that before I left. They sent me a rebuttal form to my address while I was away but I obviously could not get that paperwork back to them due to me being in boot camp. When I got out of boot camp I realized I was still negative XXXX in my account so when I got back to where I live XXXX Florida I went to by local branch a d explained what was happening to a personal banker we called the fraud team and they resent the forms for me to fill out which me and the banker did together and we faxed it in that day the fraud process takes 45 days to complete and on the XXXX day of waiting I was declined my funds because of the fact that I didn't submit my rebuttal forms the first time. I called the banker and scheduled an appointment and we contacted the fraud team again and explained as we had many times that I was in boot camp for the XXXX XXXX and could not have gotten those forms back to them the first time they were sent they then said I could have one more chance to resubmit my forms but it would take another 46 days and they would need proof of my military documents so we faxed all of that information to them that day military documents and a new rebuttal form another 45 days later and I was declined again for no reason. I asked them why I was declined and they did not give me a reason I've given everything they've asked for and they refuse to give me my money back and now on top of it since the account was negative XXXX they've sent it to collections and are now trying to collect that money from me. 

I told the fraud team that they have cameras on the ATM why can't they look at it and tell that it's not me making the transactions and they told me verbatim the cameras on all of the ATMs are fake and just for show which I know is obviously a lie. 

DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX ______________________ DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX I have 2 separate dispute cases open 1 in the amount of XXXX the other in the amount of XXXX 1st dispute case # XXXX 2nd dispute case # XXXX
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan #  XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted XXXX XXXX beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from XXXX XXXX dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned XXXX XXXX again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with Equifax to have this item corrected. The other two bureaus ( XXXX and XXXX ) do not show this incorrectly. 

On XX/XX/XXXX, I called Equifax ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by XXXX XXXX on XX/XX/XXXX as claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between Equifax and XXXX XXXX  and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.
Consumer complaint received 2020-05-26
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. (IN)

My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Transunion & XXXX I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (NY)

I withdraw my consent from crypto.com using or sharing my personal information in any form. 
This is unlawful keeping my information hostage knowing that your app does not work at all in my state of residence. I have provided proof in previous emails that I own the account and receive excuses instead of deleting my account as requested repeatedly. This is not right what you are doing to us consumers who don't know the rules. The website does not have a way to delete accounts opened by accident and then we are given made up rules not provided on your website neither are the states or countries where your available provided. I'm tired of this behavior by all crypto and blockchain exchanges. All of you should be closed down permanently. 
PS. I have attached the message recieved in your app Regards, Need justice
Consumer complaint received 2019-06-06
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. (MI)

I paid the following accounts prior to the release of my credit report from XXXX  and Transunion on XX/XX/XXXX : XXXX ( paid {$1900.00} on XX/XX/XXXX ) XXXX XXXX ( paid {$940.00} on XX/XX/XXXX ) XXXX XXXX XXXX ( paid XXXX on XX/XX/XXXX ) XXXX XXXX XXXX ( paid {$370.00} on XX/XX/XXXX ) Payments in the amounts listed above were not reported on my credit report despite them having been processed before the report was published. 

Furthermore, I made payments to both a collection account with XXXX and XXXX XXXX. IN, in the amount of {$510.00}, and to my XXXX account, in the amount of {$960.00}. Neither of these payments are reflected on the XX/XX/XXXX report. Although they were each processed prior. 

In total there are 5 payments that were made prior to XX/XX/XXXX totaling {$3300.00} and are unaccounted for on the report. 

Finally, I have made payments to both my XXXX XXXX XXXX and Michigan XXXX XXXX XXXX accounts that are not being reported. Even though the payments were made prior to the release of my credit report on XX/XX/XXXX.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Numerous times i have disputed with the credit bureaus about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And the credit bureaus knows this. And still refuses to removal, or they are simply ignoring this matter.
Consumer complaint received 2021-07-21
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: JPMORGAN CHASE & CO. (TX)

We paid off our mortgage in XXXX with Chase mortgage in the amount of {$130000.00}. It does not appear on our credit report. It is in good standing and paid off it should still be on our credit report. When attempting to get JP Morgan Chase and the 3 credit company 's to put it back on our credit report they never did.This effects our credit score. It shows we have no credit.
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (WI)

XXXX XXXX dob XXXX ssn is XXXX account number XXXX this was for 36 mo wi state law sz after maturity date you can not charge more than 2.75 interest there are charging me 120 % still after the maturity date please remove from my credit report since this is done illegally
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial Services Administration wants {$17000.00} for a XXXX XXXX XXXX  XXXX and dealerships and car buyers are offering less as car value has decreased with XXXX miles and year. 
Vehicle is in excellent condition. 
Also, the interest rate of 17 % is keeping balance balance at a freeze and instead of balance going down it keeps going up each month. 
I requested a settlement payoff and Prestige Financial Services Administration wants {$17000.00} in which XXXX XXXX and XXXX XXXX value is at around {$6.00} to $ XXXX. 
Nobody is going to pay $ XXXX for this car. 
I am trying to sell car so l don't have no more car payments as l am respectfully XXXX XXXX and Retired. 
I can't afford the payments of {$440.00} or $ XXXX.and paying a high interest rate of 17 % since XX/XX/XXXX till Present. 
Prestige Financial Services Administration interest rate program in me giving my bank checking account ACH is not permissible. 
Since XX/XX/XXXX, Prestige reps stated to get a low interest rates l need to have a ACH bank account and program and have payments taken out of my checking account each month. 
{$17000.00} and Prestige stated they will do legal actions and repossession if l don't pay the car payments each month. 
I am forced to make payments and have a high interest rate. 
Dealership and Consumer will buy vehicle around {$6.00} to $ XXXX depending on the value of the car.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NY)

I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (FL)

XXXX and XXXX are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (TX)

I wrote the company XX/XX/2022 stating the XXXX XXXX account is incorrect I was never late on that account. I asked them if they cant verify the late payment remove them.
Consumer complaint received 2020-11-03
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. (CA)

My ex husband fraudulently opened an account in my name in which I have him listed. I am divorced from him as a result. The accounts listed are not my accounts, and I did not authorize these companies to run my credit. I am not a credit repair company nor am I a mortgage company. Please remove them as I am trying to buy a house and I have stellar credit beyond what is listed.
Consumer complaint received 2021-04-28
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-06-30
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. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-10-13
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)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (CT)

I have called Honda Financial in XX/XX/XXXX because Late payments is reporting on my credit, I dispute the negative items and they came off a month later. this account I am No longer financially responsible for this account & im also a victim of identity theft. And Again on XX/XX/2018 I check my credit again through XXXX XXXX & Honda financial is now again reporting negative items to XXXX & XXXX, ruining my credit status once again.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services (CA)

Subject : Disputing Information in Credit Report To whom it may concern : SEQUOIA FINANCIAL SVCS Acct # XXXX You are reporting XXXX XXXX as a collection account on my credit report. This is inaccurate reporting and needs to be removed immediately. I called XXXX  on XX/XX/21 as I notice I still show inaccurate reporting on my credit report, per the representative they have not received any information from Sequoia as of today. I called Sequoia XX/XX/21 spoke with XXXX XXXX who informed me they sent deletion notice to XXXX  XX/XX/21, I than proceeded to call XXXX  again and they confirmed they have not received anything at all from the Sequoia, she also mentioned when they receive notice, they remove it right away with 24-48 hours. I called Sequoia again spoke with XXXX XXXX and requested to send it again to the bureau since it was never received! Please send me confirmation this account has been removed from my account. of my credit report when Sincerely, XXXX XXXX