davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Step 1 : What is this complaint about?
This complaint is in regards to the Equifax data breach, but specifically with the way that credit freezes are being handled.
Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened?
All but Equifax are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.
Consumer complaint received 2017-08-22
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (GA)

On XX/XX/XXXX I sent a certified letter to Lexis Nexis asking to verify a bankruptcy that remains on my credit profile. This letter was signed for on XX/XX/XXXX at approximately XXXX. According to FCRA it is my right to have them verify these items and they had failed to do so. Not only have they failed to verify but they have willfully violated the law.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

An international hacker got in my checking account and deposited a fraudulent check that resulted in my account being closed. I reported the incident on XXXX and asked America First Credit Union if I could be given a new account but they ignored my request. I had just gotten my account and I really needed to have it and didnt think it was fair I lost it when this individual was hacked into my bank accounts, social media, utility accounts, and ID me account stealing my money and getting my accounts closed unfairly.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previous submit a complaint with Transunion who resolved most of the problem. I don't understand why they have left things on my public record when all other items were deleted that were associated with this false and damaging information. I have contacting XXXX XXXX who has said they deleted this incorrect information and since the court does not communicate this information with any bureau directly, it is impossible this information is accurate, nor obtained, nor published on my file legally
Consumer complaint received 2021-09-06
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. (TX)

I, XXXX XXXX, am a victim of identity theft. Attached below is all the information I have sent to the CRAs. I also have a lot of addresses on my credit report that I am not aware of. 

Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

Accounts for Sears Matercard and Sears Credit card were paid off in full in the amount of {$9900.00} account nos. ending in # XXXX and # XXXX payment in full was sent to Sears Credit Cards payment address XXXX XXXX XXXX & XXXX XXXX, AZ XXXX XXXX date of check XX/XX/XXXX loan pay-off to SEARS/CBNA Check nos. XXXX & XXXX, they issued replacement cards that were never received it was reported lost/stolen to USPS location in XXXX, Ca XXXX and to Sears MC and Sears Credit card Customer Service only a credit limit of {$200.00} was issued on Sears MC and {$2500.00} on Sears Credit Card Another letter was sent from Sears Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX stating that on XX/XX/XXXX, will be closed there is no valid reasoning after they received. 
additional money for the fraudulent overcharges for Sears Home Services Deductible of {$100.00} using this card nos. and there failure to complete the service calls under the Sears Protect plan. All they did was complicate all their errors made but still extorted more money.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

Amex, you charged me interest even though my auto pay went through successfully and I have it set up to pay the statement balance in full. I'm so sick of fighting with you through these complaint websites. How about you cough up some customer service?
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

On XXXX XXXX-XXXX, XXXX, I informed Citibank that I wanted them to refund a credit balance on my account of a significant amount. This was a result of a balance transfer that was completed without pre-confirmation to me after I had already paid off the balance on that card. Initially I was told that it would take 2-7 business days to complete the refund. However, on XXXX XXXX I received a email message from Citibank indicating that it would take up to XXXX XXXX, XXXX for me to receive my refund. In addition, to the unacceptable length of time I have and continued to receive contradictory information from Citibank, including different times I can accept the refund and in what form. There is no reason for this hold or continued conversion of my funds.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I and others are compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Trying to get a lease with XXXX I have very good credit and it's coming up fraud but it's me and they don't give any reason why they don't want to lease me any other Banks want to lease me only XXXX t financial without any explanation The only reason why they don't want to lease me the car is because races it's 100 % discrimination
Consumer complaint received 2022-10-06
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-22
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: Experian Information Solutions Inc. (GA)

There is an inquiry from XXXX XXXX that was n't authorized by me. I 've written Experian on XXXX XXXX, 2017 concerning this. They 've made no remedy for this inaccurate reporting as the inquiry remains on my report unauthorized.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Upon investigation, XXXX contacted me with information stating that the debt was sold to a financial firm, Sherman Financial ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called SF,  they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX and Associates ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was XXXX and I 'm under the impression that I have been a victim of fraud by these firms in this matter.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CO)

I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. When i did get thru on XX/XX/2020 and XX/XX/2020 it said that it was accepted but later i was notified that they never received the payment. By the time I was notified that the payment was never recieved io paid it but it resulted in a 30 day late pay. They also never called or sent me a bill in the mail so I had no way of knowing. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-08-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (CO)

I received a Lemon car from XXXX, which I voluntarily surrendered due to a lawsuit that was in progress against XXXX. I returned the car to them and was told this would not go on my credit. I DO NOT have a contract with NCB.
Consumer complaint received 2022-09-15
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. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX  XXXX XXXX : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-22
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. (NJ)

# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XX/XX/XXXX, I have been dealing with the credit bureaus to remove accounts fraudulently reporting to my credit reports. XXXX and XXXX removed the accounts immediately. As they should! However, Transunion removed 1 out of 5... I sent them a second letter on XX/XX/XXXX. They sent me a letter claiming I was working with a third party company. I am not. They are sending me a letter to deter me and try stall and not work on my file. This is not ok and in violation of my consumer rights. They sent me this letter, and left no dispute remarks on the fraudulent accounts. They did not send any documentation on how they can prove I am working with a so-called third party, and they never verified the information as accurate. These are all violations.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid 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 (MA)

My wife ordered some make up on a trial basis about 8 months ago and checked off the subscription box in error. She received her trial make up and decided she did not like it. We never gave it another thought because I had been diagnosed with XXXX XXXX and were busy with countless trips for treatment and XXXX. I was reviewing our XXXX bill in XX/XX/XXXX and discovered a charge of XXXX for a make up that we did not get. I then back 8 months and saw charges for the same amount. I contact the merchant on XX/XX/XXXX and was rudely put on hold to never return. I called again on XX/XX/XXXX XXXX and spoke with XXXX who said that he would issue a cancel number to us and said to wait on hold. He never returned and did not issue the cancel number to stop the charges. I called XXXX 3 times on different dates for assistance and only have two dates listed on my paper work, XX/XX/XXXX, XX/XX/XXXX. On these calls plus the third call to the bank they acknowledged my complaints, advised me to call if any more charges came so that they could remove them. The bank managed to get someone on the telephone from the make up retailer on XX/XX/XXXX who issued a cancel order number to the bank and I and stated old charges would stay, new charges would be withdrawn. I a conversation with XXXX today I was told by person named XXXX that he would file protest for me but charges will stay. I asked for a new account number and was told charges would still be applied to new account. We have had this card for 6 years and our bill has been paid in full every month. I feel the merchant and today the bank is taking advantage of my age and current health.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/XXXX i purchased a vehicle from a company called prime time auto leasing. I sent a one time payment of {$1500.00} which went through. I then tried to send a different payment of {$1500.00} which was blocked from bank due to suspicious activity. I called and let them know that it was me making the transfer. They let me know that I was already charged for the blocked money transfer and that the charge of {$1500.00} was pending on my account and that they could provide me with a temporary debit while they canceled the charge. Then on XX/XX/XXXX the charge that was supposed to be removed got posted on my account. I called my bank and made a dispute and now almost a month later XXXX XXXX They have denied my claim even though on multiple occasions and with multiple chime supervisors that have agreed that error was made on their side.