davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (TX)

On XX/XX/XXXX I inquired about a potential loan from One Main. I filled out the application online but didn't finish it. A lady named XXXX  called me to see if I wanted to process and complete the loan that I needed to provide certain documents. I called her back and let her know that I didn't want the loan and to not process it. However the people at One Main has called me numerous time a day and left voicemail since XX/XX/XXXX even though I called and told them I do not want the loan and to not process it. XXXX called again today XX/XX/XXXX to let me know that she ran my credit anyway and to see if I wanted the loan now since my credit was ran. I told her that I cancelled the process and I do not want it. She then mentioned again that my credit was ran and to see I wanted it or she would deny it.
Consumer complaint received 2021-04-22
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: WELLS FARGO & COMPANY (NY)

XXXX Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with Wells Fargo
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I have no acknowledgement of this account. I have never received a bill an account opening letter, NOTHING!! The original company is XXXX. In which I have requested that I receive documented prove that I Myself opened this account. I am aware that proper Identification is requested at time of purchase of any cell phone service. And now Diversified Consultnts claims I owe {$560.00}
Consumer complaint received 2019-10-29
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

On  XXXX   XXXX ,    2017  I made a purchase at Home Depot on  XXXX   XXXX   XXXX  in  XXXX  Virginia. The purchase was for just over {$200.00}. When checking out the clerk asked me if I want ed a Home Depot disc ount card. He said it would take {$25.00} off my first purchase. I said yes assuming it was a store membership card such as a  XXXX  care card. Only after seeing my credit limit pop-up did I understand that this was a credit card. I asked the clerk if this was a credit card or discount card. He said he gave me a {$25.00} discount. I asked him to clarify again was a credit card or just a store discount card and he said it was a credit card. I complained to customer service and the store manager, and then called the credit card company, Citiban k North America, to c ancel the card and pay the full amount. I informed the credit card rep that I would file a complaint with the cfpb, and he said he would also file a complaint on my behalf.
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

We represent the seller in a short sale with Bank of America on an FHA loan. The purchase contract and documents were submitted through XXXX in XX/XX/XXXX. There is a cash offer for {$330000.00} and after 7 months of back and forth with the lender they finally approved the short sale on XX/XX/XXXX. the approval letter was sent to us via XXXX on XX/XX/XXXX and the close of escrow date on the letter was XX/XX/XXXX. This is not possible with XXXX homeowners associations. I asked for a one week extension to allow title time to order the demands for the closing. The closer at Bank of America said she had to put in a variance with HUD because the ATP was expiring on XX/XX/XXXX which was ordered on XX/XX/XXXX. On XX/XX/XXXX we received a message in XX/XX/XXXX and also a denial letter that HUD ( the investor ) denied the extension. The complaint is that after 8 months of many hours poured into getting a cash buyer approved for a pre-foreclosure property the file was approved and then denied with in a few days with no answers from any party. We need resolution contacting Bank of America and HUD because many people are involved here.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I should not have to pay money to freeze my credit due to XXXX 's egregious error. Because of XXXX 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
Consumer complaint received 2017-07-09
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. (MO)

All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my TransUnion score had dropped 30 points!! I panicked and immediately called Transunion and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that XXXX had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to XXXX directly. Still to this day my TransUnion credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! XXXX XXXX has launched investigations and claim that there 's nothing more that they can do. That TransUnion is just reporting the information inaccurately. And Transunion claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told TransUnion this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at XXXX ever again. Please help.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I was recently victim to fraud. There were two attempts on XX/XX/22. Someone tried to apply for credit in my name. I don't know how this happened as my credit is locked with all three entities. XXXX and XXXX caught it and notified me. I was able to place a fraud alert with them. 
The issues is I am not able to access my Experian account, even though I have a lock on it they still gave the creditor access to my report. I have tried several times by phone and had hours of endless searching for an email address, online service department, chat options and any other way for me to contact the company. None of the phone numbers I could find will transfer me to a live person to get the situation taken care of their system just hangs up on me and tells me to go to the website, which I am not able to access. When I try to get my Experian web account the password isn't working. I attempted a reset and get messages Experian is sending the information to an email that is not mine. 
Experian has made it impossible for consumers and especially consumers victim to fraud to get issues resolved. They do not provided valid phone numbers for resolution for multiple issues. Where is there accountability and responsibility to the consumers they monitor? 
1. I can not access my web account and the password reset is sending information to an email that is not mine.

2. customer service numbers are recorded and will not transfer to a live person to get resolution for complicated issues 3. no email or chat options are available to get a hold of the company for resolution and fraud alert to this serious and multifaceted issue 4. they are handing out my information and it appears the website or data basis have been compromised.

5.they are essential for my credit safety and reporting but have no way for me to get a hold of them when there is a serious issue.
Consumer complaint received 2017-07-09
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: Experian Information Solutions Inc. (OH)

I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the branch manager. She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via Experian and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to Experian and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ADDRESSES REPORTED 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
Consumer complaint received 2018-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I contacted Navient on XX/XX/18 and spoke with XXXX regarding my private loan repayment options. My loans were going into repayment, and the nearly {$800.00} a month they were asking for was not feasible. I was advised by him that he could get them to {$310.00} a month, but I had do automatic deduction from a checking/savings account. I told him I could not do that, and he advised me that he could not help me any further. 

I contacted Navient again on XX/XX/18 after receiving a letter that my payment was past due, and to contact them so they could work something out. I spoke with XXXX and advised her that I was unable to pay more than {$300.00} a month. She said she didn't know if she could get it to that, that she could fill out a financial form and see. She asked how I would make my payments, and I advised her that I would make my payments on-line. She told me that unless I do automatic deduction from a checking/savings account, they would not help me. She advised me that the loans will go on my credit on XXXX.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a 30 day late on my credit for XXXX and XXXX I have asked them to be remove and it still has not been done yet.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

THESE INQUIRIES DONT NOT BELONG ON MY REPORT 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX OR THIS ADDRESSS XXXX XXXX XXXX XXXX TN,
Consumer complaint received 2021-09-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase refuses to offer refunds for access to funds. I transferred money from my savings account and they charged {$5.00}. Reg D was removed in 2020, so this fee structure is now predatory. I understand the fee is small in size, but the fact that theyre charging fees for access to money is uncalled for and with no warning. Their response was that they would not be able to help and would no longer respond after two messages.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

For the past 3 year Ad Astra Recovery Services has been trying to collect on a debt I do not owe them. I do not have a contract with them and when I have asked for validation of the debt they send me a copy of a bill from them no contract stating I owe Ad Astra Recovery Services nothing! They also have been reporting this account status as open instead of closed. That is a direct FCRA violation which entitles me to a least {$1000.00}. They have not nor are continuing to offer credit to me. The correct status should be closed. After 180 days that an account becomes delinquent the status should be closed. It has been 3 years.
Consumer complaint received 2017-07-28
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. (AZ)

On XXXX-XXXX-2017, I file a complaint against Equifax with complaint number XXXX. about inquires that was reported on my credit report due to fraud! I have viewed my credit report again and as of XXXX-XXXX-17 there are certain inquiries that sting show on my report. In the response from EquiFax, from complaint number XXXX They have stated that XXXX XXXXXXXX and XXXX XXXX XXXX is not currently shows on my reports by them. Again, as of XXXX-XXXX-17, these inquiries are still present on my credit profile.
Equifax, have failed to not only comply with what was stated in their reply to my complaint against them. Equifax, has fail to comply with the Fair Credit Reporting Act Section 1681b ( c ) and continue to report these items is an serious breach of my privacy right.
I am now moving forward to file a compliant with the Attorney General Office and the Better Business Bureau for non compliance of State and Federal law.
Consumer complaint received 2020-05-31
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. (NJ)

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ADDRESSES REPORTED 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
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX  My third time calling requested to have my card limit closed. They refused said the only option is to lower my limit. Representative never got me to a supervisor after requesting multiple times to apes know to a supervisor. I will never use this card interest rate is too high I 'm a senior citizen and fear risk. Please have them close this credit limit. The representative told me several times my credit card is closed and my balance is  XXXX  but refused to close credit limit
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

A summons was given to my employer of a company I do n't recognize and I think is an identity theft account. I am very disappointed with how they have humiliated me with my employer and now my Job is at risk. I am ready to sue them and will go to court on this matter to small claims.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (KY)

Chime closed my account saying I transfers money against their policy and is keeping XXXX dollars of mine I have sent 15 emails and called multiple times to only get the different Answers everytime. They place you in hold transfers you wanted me state issues ID and picture of my social security cardI am not stupid I feel this is a trap. I have been told I would get my refund then only to be told by the next agent I can not have my money I have sent the balance and the account it was transferred from to them. They still refuse to send my refund.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

I sent the following transaction from XXXX, in the amount of XXXX LTC ( worth {$650.00} USD ), to XXXX on XXXX XXXX, XXXX. 

Completed XXXX XXXX LTC XXXX Address : XXXX Txid : XXXX Then I received the following email from XXXX. 

Your Litecoin deposit of XXXX LTC ( worth {$650.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team And then this email. 

Congratulations! You have successfully sent XXXX XXXX ( worth {$650.00} USD ) to XXXX  using Coinbase. 
This withdrawal is being sent to an address ( " XXXX '' ) that you have n't previously used. 

View this transaction https : XXXX I have no funds on either my Coinbase account or my XXXX account even tho it shows it was completed and sent to XXXX Exchange . 

I have called both Coinbase and XXXX customer support and I have multiple tickets open. I have attempted to reach them on twitter and reddit and email. This is now the 10th day in which I am unable to access my funds.
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting accounts that I have not validated or been notified before reporting. This agency is in violation of 15 USC 1692g. They were to notify me in writing 5 days prior, I was not! I do not validate this debt. Therefore, the following accounts must be deleted from my report. You have 5 days to delete these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Failure to respond satisfactorily with deletions of the above accounts and a free copy of my consumer report will result in further actions being taken against your company ; I will also be seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violation of XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I got a alert on my Transunion credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report