davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (AZ)

I bought a new XXXX XXXX XXXX XX/XX/XXXX. It's been returned for engine light on XX/XX/XXXX, XXXX, XX/XX/XXXX for purge valve replacement, XX/XX/XXXX engine light again, XX/XX/XXXX engine light again, stayed in repair until the XXXX for charcoal canister replaced. XXXX idle low truck stalled after starting dealership said it was fine at XXXX rpm. XXXX truck leaking fluid from front and back of muffler and XXXX other place towards front of engine profusely, dealership said it's normal. This truck is not made correctly I have asked that Ford XXXX buy it back or the dealership give me a new one that is not a lemon.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

INSURANCE WAS CANCELED DO TO INACCURATE INFORMATION THAT IS PROVIDED BY XXXX XXXX. THERE ARE XXXX INCIDENTS THAT THEY ARE REPORTING AND NONE OF THE INCIDENTS OR ACCIDENTS I WASNT INVOLVED IN, I REACHED OUT TO THEM AND THEY STATED THIS MATTER WILL GET CORRECTED AND NEVER DID. THE VEHICLE THAT WAS INVOLVED IN THESE INCIDENTS WAS SOLD AND PERSONS NEVER REGISTERED THE CARS THEY PURCHASED IN THEIR NAMES AND I INFORMED XXXX XXXX OF THIS AND TOLD THEM TO VERIFY DRIVER LICENSE NUMBER AND ADDRESSES OF POLICE REPORTS AND THEY NEVER DID. I HAVENT HAD BUT ONE ACCIDENT AND THAT WAS ON XX/XX/year> AND THAT ONE IS BEEN HANDLE IN COURT AS NOT AT FAULT. THEIR ARE XXXX REAR END INCIDENTS THEY ARE REPORTING I WASNT INVOLVED IN, XXXX INCOMPLETE INCIDENTS I WASNT INVOLVED IN. A FAILURE TO YELD I WASNT INVOLVED IN.
Consumer complaint received 2019-10-28
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. (AR)

EVER SINCE EQUIFAX DATA BREACH I AM UNABLE TO USE EQUIFAX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE XXXX ID XXXX , WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.
Consumer complaint received 2018-03-25
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: BARCLAYS BANK DELAWARE (GA)

I was notified on XX/XX/XXXX by the fraud department from my Barclays rewacard that a charge from XXXX for {$4700.00} was trying to be an issue I contacted the company and told them no meanwhile I've been in billing issues with them since XX/XX/XXXX where they have had me at collections twice with the same issue no final bill to this date that the charge was reversed and a new card was issued. On XX/XX/XXXX of this year XXXX with the new card again ran the {$4700.00} and that I was told later after investigation from several departments and several people and the case number I have is XXXX after six months trying to get to send them back they credit me back {$1200.00} when I contacted my credit card company again I was told it it was coded incorrectly as a fraud and not a billing issue so a Other case number had to be open that is not correct I was able to speak with a supervisor name XXXX and was told that they go by algorithms and this is why I was allowed to exceed almost 59 % of my credit limit now I'm over the credit limit in collections twice and no final bill from the vendor who actually I have asked my credit card company if I had gotten into a store and tried to charge {$4700.00} it would've been denied I do not understand algorithms and this should've never been posted on my account they have ruined my credit I need help thank you When I asked the supervisor if I had of walked into a store and tried to do that with the algorithms work then and she could not answer that question she also couldn't understand why it would exceed that much already owe them {$2400.00} and my credit limit is only XXXX they have doubled my credit profile causing me to lose 49 points in one day on my credit report
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

My complaint is against One Main Financial for emotional distress and other damages. I have been paying $ XXXX/month two years now for a loan in the amount of {$1500.00} and there is no end in sight. Someone needs to stop these predators in what they are doing. They are acting like we are in a country with no law and they are doing whatever they want I will forward all the records so you can see yourself how these predators are taking advantage of me. 

One Main Financial contact persons are XXXX XXXX and XXXX XXXX. I have been dealing with them since.
Consumer complaint received 2024-05-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (CO)

I lent money from CashNetUSA and then I sought out help from XXXX XXXX XXXX  payday loan management company, to help manage my payday loan debt. XXXX XXXX XXXX  and I sent them a cease and desist order. They violated that repeatedly. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  and complained. The XXXX  mediator let the company continue to lie and even question my XXXX veteran status despite evidence. I also contacted Illinois Attorney General XXXX XXXX.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I got the Wells Fargo Cash Wise VISA Platinum card and then used it ... When I went to pay the bill it said nothing due. Then they charged me a XXXX late charge. I just opened the account. When I tried to get someone on the phone I called the XXXX XXXX XXXX. On this line they keep trying to sell you things ... saying I qualify for something free and to click this number. 

I do not click any number and I get another sales of a free trip to somewhere. When I do not click that it says I qualify for {$100.00} .... When I do not click that I get a message to hang up now. 

There is no way around the sales pitches ... I am just trying to pay my bill and I should not have to go through all this sales stuff to accomplish that.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

I just started sending money regularly to my nephew in XXXX. I have sent small amounts but each time I have to log in to my PNC bank account and I can't get the connection between PNC and XXXX established permanently. The 3 previously amounts sent finally were accepted, but now PNC is not letting me do the transfer. I would not want to have to change banks after so many years with PNC but I need to get the problem fixed. I have no other problems with online banking payments. It would be a lot of trouble for me to change banks, but I don't know what choice I have. XXXX says they don't have problems with other banks. 
What can I do??? Help.
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

Hello, my name is XXXX XXXX I am new to the credit world. I have always paid in cash. Though, I am newly engaged and would like to establish some credit in my name. Upon looking at my credit info on XXXXXXXX for the first time ever I came across an account in collections called XXXX XXXX XXXX in collections with a company called Allied Collection Service in the amount {$380.00}. I have never been to this school nor ever heard of it or where it may be located. It is the only mark on my credit and do not know how it got on my report. I have had it removed from XXXX XXXX but it is still on XXXX. 
This is not my dept owed. I always pay my debts, please help me to have this false information removed from my credit report. 

Thank you!!! 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, XXXX and Transunion it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WI)

Citi Online bank sent me a letter on XX/XX/2021 telling me that they suspected fraud on my account and they froze it. They gave me a phone number to call ( XXXX ) to get this problem resolved. 

I contacted Citi Online bank shortly after receiving their letter. I was transferred to their fraud department. I answered all of their questions including my security questions, and even my security word needed for all transactions. After supplying them all of the information, they told me that they were closing my account and that I would be issued a check within 30 days. I asked them what fraud took place. They abruptly hung up on me without supplying a reason why this was a fraudulent account.

Yesterday I contacted Citi Online bank at the same number and was again transferred to their fraud department. They did say that whomever told me that it would take 30 days to receive my money from the account they closed was in error. They said that it would actually take 30 - 60 business days to make the final confirmation, and then I should wait another 7-10 days for the check to make it through the mail. ( I was able to transfer this money to this bank in less than 3 business days ). I then went to a calendar and counted out the business days and found that I may not receive my money until the end of XXXX. I had asked the customer service representative if I would at least get interest on that money, and he said that I should not expect that. 

Since they closed the account with my money in it, they should not be able to wait four months before they give my money back to me!
Consumer complaint received 2018-03-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Creditor's Collection Service, Inc. (VA)

Creditors Collections Service contacted my mother in regards to a debt that I still owed and had no idea that I still owed any amount of money because I hadnt received any paper documentation stating that I still owed {$3500.00} for a combination of medical bills. About 5 or so years ago, my father tried to get the debt settled in order to get it off the books so I could quite worrying about it, but the company refused to settle and came up with different excuses as to why we couldnt get the debt settled so I would stop paying on it. Up until last month, I had been paying $ XXXX/month through my banks online bill pay. Once I stopped paying the company the {$5.00} & decided to put the {$5.00} elsewhere, they started to call and harass my mother about the debt that I, the patient/person who was on the account still owed. I called them back and stated that I had stopped payment due to not receiving any paper documentation in at least 2 plus years stating how much I still owed on the account so I was unaware until Friday, XX/XX/XXXX, that I still owed them the {$3500.00}. They stated that their system wasnt set up to send out bills for any monthly payment under {$25.00}. They asked if I was going to pay the {$25.00} and I flat out told them no. The highest amount that theyll be receiving is {$5.00} a month again.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (GA)

I am writing to bring to your attention an error on my credit report that I believe violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed an inaccurate late payment entry that has negatively impacted my credit score.
Consumer complaint received 2021-06-24
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. (FL)

ON XX/XX/14, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2022-09-09
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. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2018-03-25
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. (MI)

I submitted a dispute online with transunion over XXXX collection account with the amount of {$1100.00} on XX/XX/XXXX. I have received no response from them regarding their investigation. Through my online transunion account, it lists the completion date as XX/XX/XXXX. Today is XX/XX/XXXX. I also have a collections account still showing on my transunion report as delinquent that was paid off in XX/XX/XXXX in the amount of {$100.00}. Both of the collections accounts that are in question were removed by XXXX  and XXXX. 

Having an open dispute with them is preventing me from viewing my credit report and also from opening additional disputes for other collections accounts that have also already been removed from XXXX and XXXX 

I am trying to prepare for first-time mortgage qualification and this matter is severely hindering my progress.
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA IS CLOSING MY BANK ACCOUNT IN RETALIATION FOR A COMPLAINT I FILED WITH THE CFPB REGARDING A DISPUTE OVER A CHARGE I FILED. THIS IS DISCRIMATORY AND PREJUDICIAL AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND ILLEGAL BUSINESS PRACTICES AND THIS IS UNFAIR TO ME AS A VETERAN NAD A CUSTOMER AND I WOULD LIKE TO HAVE THE MATTER INVESTIGATED IMMEDATELY.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (TX)

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$380.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS.
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2017, $XXXX was transferred from my checking account with Wells Fargo without my authorization. The bank refuses to take responsibility for the unauthorized transaction and concluded that an investigation was not necessary. I have tried to resolve this with Wells Fargo, but have not been able to get anywhere with them.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NY)

Re : XXXX XXXX card XXXX XXXX XXXX XXXX Valid Thru XX/XX/29 I was given a gift of a prepaid {$25.00} XXXX XXXX Gift Card. ( Issued by XXXX, and serviced by XXXX XXXX California XXXX ). I tried using it to pay for items at a XXXX. I was unsuccessful. I then tried to get a balance on the card when I came home, and tried to find out anything about the card. I was asked to key in the cards XXXX-digit number. Each time I did that, the voice at the other end repeated an incorrect number. When I tried to key in again and responded no to the question of correct or incorrect, they said good bye I would appreciate any help with this card.
Consumer complaint received 2022-08-10
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. (MI)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TransUnion Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$650.00} US DEPT ED XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2022-09-09
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. (NV)

I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX  XXXX  XXXX Opened XXXX {$430.00}
Consumer complaint received 2021-04-21
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. (TX)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : ( XXXX ) XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX. The ID Theft report number XXXX and attached is a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (NY)

Hello My name it XXXX XXXX, i am writing this regarding about discover credit card. In my discover credit there were multiple charges from XXXX XXXX. Those transaction was made between XX/XX/XXXX to XX/XX/XXXX. There were 5 transaction was made total amount of XXXX which i am aware of it. There was a incident happen on XX/XX/XXXX i went to XXXX XXXX  to get something when i got home i didn't have wallet with me. On that time my discover card was in there. then i realize that i may have dropped my wallet at the XXXX XXXX and i was right next day i went to XXXX XXXX and i got my from the master on duty was in lost and found section. After 2 week when i check my credit card i see there was multiple changes form XXXX XXXX. Then i called discover and they assure me that those charges will be taken care of. later they open an investigation from their site. Now after 4 months discover is saying i am reliable for that changes. They said there was other things was purchase at the same day which i am aware of it. they said because i had the card during the purchase thats i am reliable for that changes. Now my question is at that moment of those transaction i wasn't even in the deport. I DID NOT authorize those charges. If discover hold me responsible for those changes they prove that i was physically there. i am 100 % positive they can't prove it because i know i wasn't there at the time of transaction. i did not authorize those charges.
Consumer complaint received 2022-09-08
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: Bread Financial Holdings, Inc. (WI)

XX/XX/2022 hard inquiry and decline for credit XXXX XXXX XX/XX/2022 hard inquiry and decline for credit XXXX XXXXk XX/XX/2022 hard inquiry and decline for credit Comenity Capital XX/XX/2022 called XXXX XXXX XXXX XXXX to remove these inquiries as fraud. 

XX/XX/2022 called Comenity Capital to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. 

XX/XX/2022 reported these inquiries to XXXX as fraud.