davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Credit Karma (CA)

On XXXX XXXX Credit Karma, a company by which Headquarters is located on XXXX XXXX XXXX, CA guaranteed I'd be approved for a credit card by CreditOne or they'd give me {$50.00}. I applied, a hard inquiry was placed XXXX XXXX, my XXXX XXXX dropped and I wasn't approved. Credit Karma did not give me the promised {$50.00}. Weeks after trying to get the money I was forwarded XXXX XXXX allegedly digital dollars on a digital card bearing the XXXX logo. The card doesn't work. No matter how I try to use it to buy anything online or try to transfer it, it doesn't work. I've call the card 's customer service and they keep lying saying it's active and they don't see any attempts of me trying to use it but that's a lie and its starting to seem like this us all an elaborate scam by XXXX Credit Karma.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

I received marketing from OneMain Financial. I have used XXXX Opt-Out, the DMA, and National Do Not Call to stop getting calls from telemarketers and credit card offers. I still continue to receive offers from companies who do not honor my request. I am asking that all companies that violate this are cited for the violation. XXXX XXXX repeated marketing to me for years after my request and even after repeated requests to stop their marketing i still received marketing. As with XXXX XXXX i am asking for {$1500.00} per violation and that the companies are cited for these violations.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

XXXX continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy XXXX despite repeated disputes that I have made. They keep saying they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.
Consumer complaint received 2018-03-22
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. (TX)

On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and finance department and my credit was obtain by lenders ( XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. ) that was not authorized. The Finance Manager sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.
Consumer complaint received 2017-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

My complaint is about Venmo, the person-to-person money transfer service owned by PayPal.
<P/>
My son, who is  XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money.
<P/>
On   XXXX   XXXX  , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer.
<P/>
Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before.
<P/>
The next day,   XXXX   XXXX  , my son checked his account at   XXXX    and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place.
<P/>
He contacted customer service at Venmo by phone, and a representative opened an investigation of his case.
<P/>
The following day,   XXXX   XXXX  , my son received an email from  XXXX  in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below.
<P/>
As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway.
<P/>
Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation.
<P/>
If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully.
<P/>
Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole.
Consumer complaint received 2017-06-16
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. (CA)

There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (AL)

I have tried to send messages, have had multiple long attempts on the phone, and talking to Equifax people, I Still can not get logged in to make disputes with them on my credit report. I have done XXXX  Report on equifax and have heard nothing back.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/18 I called Bank of America to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that my interest rate was the lowest they could do, without even asking any questions and said there was nothing they could do to help and suggested I look into a debt consolidation company.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Century First Credit Solutions (NY)

It is a previous complaint # XXXX The result of that complaint was a offer from the debt settlement Company of {$800.00} they sent me a paper with the information without any explanation. I am in a fixed income having a financial hardship then I signed in XX/XX/2018 the document with the promise of receiving the money in the following 1 week and give the document back to XXXX XXXX. Since then three months has passed and I never heard back from them and all the calling attempts to ask for the money back were in vein. They always saying that the check in on their way but I have not receive it yet. 

I was looking for help with my debt and I got the information from the settlement company called XXXX XXXX XXXX. XXXX XXXX XXXX representative from the company that told me that in six months my debt will be negotiated. Total amount paid during 16 months was {$6800.00} minus two creditors that were paid total of {$2500.00}. I couldn't complete the program due to my financial hardship and they never explain my rights or options from the beginning, for instance I am a senior citizen XXXX year old with a fixed income less than {$500.00} SS, without any job or other source of income and they never told me I was protected from the creditors or collections. With the hope they gave me I was taking food from my table with the hope to clear my debt. Then after I interrupt the contract they didn't returned my money back the difference of {$4300.00}. 

I am also trying to contact the intermediary bank they use for this purposes XXXX XXXX XXXX ; I spent unsuccessfully hours on the phone waiting for a representative. I sent them letters twice and they never replied to verify the statements or detail information about the account.
Consumer complaint received 2023-01-27
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)

Attached is a identity theft report with the following fraudulent accounts listed below that are reporting to my Equifax credit report Fraudulent Equifax XXXX XXXX XXXX XXXX XXXX Al {$1000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX  {$63.00}
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IL)

My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer.

On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX  which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ).

A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed an account with Transunion regarding a collection account from XXXX XXXX XXXX regarding the XXXX Government electronic traffic ticket department. I was issued a camera ticket in XXXX 2012 when i was not driving a vehicle. The vehicle was being driven by a relative. I disputed the account with the XXXX Government and got a letter agreeing to remove the account from their collections. I sent the letter to Transunion and they failed to remove the account from my credit report despite receiving information from the original creditor advising them to do so.
Consumer complaint received 2017-06-17
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)

XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was  XXXX .    XXXX   XXXX  Experian  XXXX  Experian  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX  Score of  XXXX  I pay Experian for my monthly score, they reported  XXXX    XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have credit inquiries on my Equifax file. Which i do n't recognize. Also have letter from bank stating they will be removed. Sent them to Equifax few times as well as certified mail. been 9 months and they still there. Equifax is not following any federal guidelines
Consumer complaint received 2017-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

The account is invalid and I communicated that to the debt collection agency over 3 years ago. They were unable to provide any documentation to support the claim that {$2000.00} was owed. My medical insurance company XXXX paid the XXXX bill in full, and continued to be billed after services were completed. <P/>Fidelity Creditor Service filed a lawsuit against me. Failed to ever serve me, however filed a false proof of service in XX/XX/XXXX. A summary judgement was issued against me in XX/XX/XXXX. I was not notified of any of the proceedings. <P/>I received a garnishment letter from my employer on XX/XX/XXXX. This is the first time I was made aware of any lawsuit or judgement being filed.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

I bought out my car lease on XX/XX/XXXX with the amount that was quoted by Ally auto ( {$19000.00} ) On XX/XX/XXXX they updated my account information that the car was paid off and the balance is XXXX dollars. It has been a week and they are not sending me any paperwork like the odometer reading statement for me to sign or bill of sale. This is all done by email, these are all standard forms. The amount of money I send them isn't a small amount of money. I need help. I called them many times and they tell me to wait that this paperwork takes time. When I called them ti get a timeline of how long it takes, they tell me a whole different story of how fast its done. 
Please help me.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Approximately 3 months ago, I applied for XXXX XXXX XXXX  Credit Card by Chase. My application was approved and an annual membership fee of {$95.00} was collected from us. On XX/XX/XXXX Chase sent us a letter notifying us that Chase would close our account effective XX/XX/XXXX. Chase did not state the reason for closing. I called in Chase customer service and talked to supervisor and asked for reason of closing since I am a long time customer of Chase. I have multiple high value residential and commercial loans with for the last 15 years. My credit is excellent. I paid my card 's balance off each cycle. So why did Chase close my XXXX  without any justification or advance notice? When I received the XXXX XXXX, I cancelled my other cards. Now that Chase just closed the account so abruptly, It did not leave me any time to apply for other credit card from other banks. The supervisor that I talked to basically did nothing other than telling me that she is following the policies. I then asked her for a refund of my {$95.00} annual card fee since Chase collected this money and then proceeded to close my account shortly after that. We would like to get our {$95.00} annual fee back.

I believe that many consumers were bullied by Chase banking practices. Few years back, Chase closed my previous Chase credit card which I had for 30 years and stole away our XXXX  point earned over the years when I forgot to pay my annual fee of {$39.00} because I signed up for online statement and missed the payment by 3 months.

Chase is contradicting itself in banking services and practicing discriminatory in services by maintain multiple commercial loans with the consumer but proceed to close his/her Chase credit card.
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (CA)

First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because Experian 's reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues  :   1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher.  '' 2 )    XXXX   XXXX  -action requested : To remove the  Status adv isory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp. (FL)

XX/XX/2021 vehicle gets repossessed at XXXX No prior notice was given, no one was able to tell us where the vehicle was taken to or let us remove our personal items from the vehicle Called SETF to find out what has happened, was told vehicle was repossessed after 84 days past due balance. 


Asked Toyota why no one had contacted readinf past due balance, was told there was a do not contact on my Account and my personal phone numbers were removed without my permission or knowledge. 

I have been making payments towards my loan, weekly {$500.00} and Toyota has only processed some of them. Claim they did not receive the remaining. 

I had to XXXX XXXX  Toyota almost {$4000.00} to get vehice back. 

This situation has caused me issues in my work day, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We lost 100 % of our income when the Covid-19 pandemic hit. The government " made '' banks/servicers offer several options to homeowners, including deferrals. However, the government forgot to include tax and insurance and with the high property taxes we have, we asked our servicer to put the taxes on the back end of the loan. They said the only way to do this is for us to apply for a loan modification. We sent all requested documents, the servicer failed to use our full income and after several months of phone calls and letters citing their error, we finally decided to file a complaint with the CFPB. 

Once we did that, the servicer finally used the correct income. Originally they used just over {$4000.00}, to finally using our full income of over {$8000.00} and still denied us. They offered us a deferral agreement on XX/XX/2022, and gave us 30 days to respond to it. We signed, sent it in, as well as made our payment prior to the written contract 's expiration date and on XX/XX/2022, the same day we signed, they breached our contract and canceled it. The contract said sign and send in, we did. It did not say anything about making the payment but we did anyways. 

Pre-Covid, our payment was just over {$2400.00}. Post covid, it was just under {$2900.00}, and post-breach of contract, it's now over {$3000.00}. The payments that were supposed to be deferred will now be added for a payback with the amount exceeding {$4000.00} a month. Working with this servicer has been very difficult. They could not count our income right, they can't count 30 days right, it's absolutely frustrating!!! 

At this point, we are preparing a complaint, including all that were submitted to the CFPB to send to all government and state agencies that monitor and assist in these matters. We will set up accounts but will await the servicer 's response to this formal complaint.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, XXXX XXXX reports an address they know is not mine and potentially was used to open the fraudulent account. XXXX XXXX has also refused to provide me with a copy of the signed credit application.
Consumer complaint received 2022-08-10
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. (MD)

There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. These accounts on my consumer report is effecting my life in devastating ways.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2021 I applied and was immediately approved for the American Express Business Green Rewards Card. However, one month passed and I still haven't received the card. I chatted with the customer service representative who informed me that the card will be delivered by XX/XX/2021. 6 weeks to receive a card that's been immediately approved is outrageous.