davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw 2 debts reported for Capital One. The trade lines are demanding I pay {$1300.00} for a Capital One Credit Card and a Kohl Card issued by Capital One. At the time that both accounts went delinquent, I had been laid off from work. the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save to take care of old debt, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$600.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my online banking to see a charge marked as recurring from TransUnion for XXXX. I never signed up for any paid services from them, to my knowledge. I tried reaching them over the phone and was not able to get a hold of the credit bureau.
Consumer complaint received 2021-12-03
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. (FL)

I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX credit bureaus as well.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Sometime in XX/XX/XXXX, I visited the XXXX XXXX store in XXXX Arizona. As I was paying for my {$24.00} store purchase with my debit card, the store representative said I could save some money by staring a XXXX card, so I agreed. I recall completing my purchase and being told the card would be sent to my home. What I was not aware of was that the XXXX store charge for {$24.00} that I thought was incurred on my debit card was actually incurred on my XXXX card, one that I had not even received. By early XX/XX/XXXX, I had relocated to XXXX XXXX due to my job and signed a lease for my permanent residence in XXXX XXXX ( see attached lease copy ). So I was not at my address to receive any notices XXXX sent, in addition, I never even received the XXXX XXXX card, and was not even aware of its existence. 
I became aware of the situation when I checked my credit report showing that XXXX XXXX is reporting me charged off. I immediately called XXXX who referred me to XXXX XXXX XXXX, with whom I paid the account in full. I have sent letters to XXXX XXXX and filed a complaint against them with the BBB ( complaint ID XXXX ) and XXXX XXXX responded saying " Unfortunately, we are unable to purchase XXXX XXXX XXXX XXXX Credit Card account from Portfolio Recovery Associates ( PRA ) because the balance has already been paid in full. We have forwarded his concerns to PRA and have requested PRA delete the trade line from XXXX XXXX XXXX credit bureau files. '' last XX/XX/XXXX. 
Portfolio Recovery is saying that they did not receive any instructions from XXXX XXXX with regards to deleting the account from my credit report. Last XX/XX/XXXX, XXXX XXXX, from the Office of the President of XXXX XXXX, emailed me saying, " I will be reaching back out to Portfolio Recovery Associates ( PRA ), with regard to the matter. Once I receive a response from PRA, I will mail a formal written response to you. ". Portfolio Recovery Associates still is reporting the account even though the original creditor admits that they 've made a mistake. XXXX XXXX even Deleted the account from their end as stated in their BBB response. Please see attachments.
Consumer complaint received 2021-12-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX
Consumer complaint received 2021-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I don't even know where to begin. On my credit report there are 3 collection account. Two of the three I have paid off, even though they did not belong to me, and the third one I am disputing because it is the banks error. Since two have been paid by me why should the collections still be on my credit report?? WHY does the company still get to harm me if they have been paid?? I am SO DISGUSTED with the credit reporting system. Then the one I am disputing should not be on my credit report until the company reporting the collection and myself have come to an agreement on the account. WHY am I being punished for something that has not been resolved?? I have ALWAYS paid my bills on time or before they are due.I had a home mortgage and then paid the loan off after 8 months, but the credit reporting agencies took points away from my score. This make no sense at all. The companies that put the accounts in collection that I have paid got their money. WHY do they get to do me harm for the next 5 or 7 years or however long they stay on a report. It is hurting me financially. I am trying to buy a new car, but I can't because the interest rate is too high due to the collections. Also, when I have gone to look at cars the dealerships have been trying to get me approved with multiple lenders. Now I can't get a good interest rate or I have been completely denied a car loan because of the collections and they say I have too many inquiries on my report. The car dealerships are so desperate to sell a car that they put my info through multiple lenders. This is also not right. I have low credit usage, pay ALL my bills on time and my credit cards are paid in full every month. None of this is acceptable to me. I am sick and tired of hearing things like " oh well your fico score to purchase a car is different then a regular fico score ''. WHY is this allowed?? Do you realize how harmful this is to not only me, but I am sure hundreds of thousands of consumers. I paid off a car loan a year ago and my score dropped. I paid off a personal loan and my score dropped. I paid off my house and my score dropped!! How is any of this acceptable?? I should be able to go buy a brand new with little to no down payment and an interest rate of XXXX or XXXX not XXXX based on my payment history, my low credit utilization and my stability at my job and my home. But instead, I am driving in a car that I question every day " am I going to make it to work today or am I going to breakdown?? ". I am so UPSET. iT IS UNBELIEVABLE HOW SHADY EVERYONE IS.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

To whom it may concern On Friday, XX/XX/2023 I was part of an intense scam, where I was promised a loan. The person claimed they were from XXXX XXXX, which is a legit company I was sent documents to sign He made a mobile deposit in the amount of {$1200.00} which was not authorized by me. I was told to go to XXXX and purchase XXXX XXXX in the amount of {$750.00}. I was only able to purchase one for XXXX $ He told me my funds would be in my bank account the next day, however, the next day my account was on fraud block, the man disconnected the phone and nobody here at citi is able to give me an update as to what my checking account balance is because they claim it is closed due to me, not having a savings account open violating terms. 

I was just paid on Friday, XX/XX/2023 in the amount of XXXX and something dollars I cant log into my payroll unless Im at work. But the amount was XXXX and something dollars. 

The man took out the money he put in and also removed more of my money .Every time I call citi fraud department Im transferred over and over and over again nobodys able to give me any information only that my account being closed for a savings account issue. Told me they cant access my account balance. I have not made any purchases on this day other then the XXXX XXXX XXXX I was told to buy. 

Ive attempted to report the fraud issue and not getting anywhere. I have no access to any money Citibank is the only bank I had. I emailed Citi as well attached fake documents and XXXX XXXX that I had to purchase and receipt from XXXX. also attached the mobile deposit in which I did not authorize in the amount XXXX $ I contacted the attorney Generals office and reported the scam. I also contacted my state department for fraud scams. 

Please see that this is immediately looked into. My account is now closed for a supposed savings fund issue but Im reporting fraud. As nobody will take my fraud call and says my account is closed.

For savings fund issue. Where there is an actual fraud issue.

Im unable to obtain any information from them and they continue to say my account will be closed and I have no access to my money or any money. They say any funds will be mailed to me in 30-60 days. I have spoken to every department and get nowhere. 

Thank you. XXXX XXXX
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Express Recovery Services, Inc. (UT)

Express Recovery is garnishing my wages for amounts that I do not owe to them. The summons they served me had no information such as date of service I owed these said companies just that I owed them money without any proper documentation one of which is XXXX XXXX and their billing department who has now locked our accounts for an amount of {$140.00} dollars which is preventing me and my wife from getting our medications refilled which are medications that could without them could cause serious harm to our health. My wife has been thrown into XXXX without some of her medications she is needing and they are withholding my XXXX XXXX XXXX medications from me as well. Per Express Recovery, they say I owe money to them but on the summons it says no dollar amount as to what I owe. I am being garnished through Express Recovery and they will not separate the medical part from the other I believe are false so with them not being separated, I can not get the mediation I need to help me with my illness which I would consider on not only Express Recovery but also the XXXX XXXX as some sort of Malpractice because my health has the potential to bad without mine or my wifes medication and if that happens then that would be a type of malpractice. With that being most important, my wages are being garnished and they have gotten away with the garnishment although no evidence or paperwork adding as to any dollar amounts. They need to be looked at because they are doing unlawful practices and they will not provide me with exactly the amounts per each accounts they have bundled together which is making it impossible for me to get medical treatment as well as taking money by garnishment that they have no right in taking which is severely affecting my like to take care of my familys medical and financial needs
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

I applied for Citi XXXX XXXX Credit Card in XX/XX/2021, and was approved. 

Because the terms and conditions said that the welcome bonus offer is not eligible for customers who have received an offer within the last 48 months, I called Customer Service right after I was approved. The representative confirmed that I am eligible. 

So I made a large purchase on the card. 

However, later, Citibank notified me that I am NOT eligible for this welcome bonus offer.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Equifax XX/XX/XXXX requested via free annual credit report toll free # XXXX from Equifax. 
XX/XX/XXXX received a letter in mail dated XX/XX/XXXX their records indicate a free copy has been sent within the past 12 month. 
My records indicate the last report I received from equifax was XX/XX/XXXX, 2 years ago. 
XX/XX/XXXX XXXX XXXX ET I called Equifax XXXX I believe XXXX said it was XXXX priority to send me my requested free report except he was asking me questions I do not have the answer to and he wanted me to call back when i did have the answers, like what's my current balance of lenders, what is the min. payment, etc. I pay my bills in full. I don't track current balance or min. payment due. very frustrating. 
XXXX says I've received one in the past 12 months I want Equifax to tell me the date they sent it last, XXXX wouldn't tell me that. I have not requested or received a credit report from XXXX in almost 2 years so who did they send it to? 
I'm almost XXXX yrs old. I do not text I do not want to provide my mobile #. I will provide my home number as I still use a landline.
Consumer complaint received 2019-08-16
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: AMERICAN EXPRESS COMPANY (WI)

I started Dispute sent verification sent police report and verified with the retailer that my card had been stolen and unauthorized use occurred and they still denied my Dispute I even placed fraud report on my credit report they charged my address and everything
Consumer complaint received 2021-10-18
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. (WI)

around XXXX of 2021 I started a a dispute with experian due to Nebraska XXXX XXXX reporting inaccurately Nebraska XXXX is reporting under a bankruptcy I have also disputed the bankrupcty with Experian and Experian is validating information from a third party source I contacted Experian after the dispute was unsuccessful and explained that Nebraska XXXX XXXX was reporting inaccurately and they stated I needed proof that the bankrupcty was not mines I tried explaining that I contacted the court house attached to Nebraska XXXX XXXX and was told they dont release information to the public and Experian stated that the information was validated by a third party source
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (ID)

in XXXX I was caught up in the XXXX identity fraud and did my best to clear up all the problems after XXXX XXXX XXXX agreed that the debt was in fact not mine and I never heard from them again now comes XXXX and I am starting to get collections calls and letters from a company called National Credit Adjusters trying to collect this debt, I have informed them that they have bought a fraudulant debt that I have proven was in fact fraud, they refuse to listen. As per my credit report this is the information I have on the company National Credit Adjusters XXXX. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX ph # XXXX and the account number they list is XXXX
Consumer complaint received 2018-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

I have been victim of banking fraud for both Wells Fargo and XXXX XXXX XXXX.

My bank is XXXX XXXX XXXX and other party is Wells Fargo. I made transfer via XXXX on XX/XX/2018 and it was accident to send wrong person and same day, I have contacted my bank to be protected and I also contact the other party who I sent wrong. He is very cooperative with me to return money. As of XX/XX/XXXX, he sent me letter from his bank that they have reversal and claim was closed and return money to my bank. I filed dispute with XXXX XXXX XXXX and the lady from XXXX XXXX XXXX   called me and said Wells Fargo which is his bank, said they refused to return money due to unauthorized and my money is forfeit. I was so mad since I have evidence that they reversal but XXXX XXXX XXXX does not want to return money and I have no where to go than go back to file another dispute and drag Wells Fargo in. Since the other party said he is volunteer to return and cooperative and my bank refused to talk to him and I dont know what else to do to get money bank when Wells Fargo had send back to me
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2018 i send a certified letter requesting portfolio Recovery of XXXX XXXX XXXX XXXX XXXX Va XXXX I requested for the original contract rom the client which they could not obtain due to this debt is not valid or mine they send me idolized statement from an address that i never lived at and claims i still owe the debt but this company has violated the 15 U.S.C. 1692g of the fair debt collection practices act. They have not removed this Debt from my credit report yet and they have violated the fair credit reporting act also
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw XXXX debts reported by Synchrony Bank for XXXX accounts from Walmart card and care credit. The trade lines are demanding I pay {$850.00} total. Since I was laid off, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$400.00} as payment in full. If so, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$400.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed and called Transunion several times over the course the last several months in effort for Transunion to correct my employer information. 

As of XX/XX/XXXX Transunion states that it verified my employer as " XXXX XXXX XXXX '' I graduated from XXXX University in XXXX and I have not returned for any additional studies. 

Transunion is violating the Fair Credit Reporting Act by reporting old information as new information. 

The second issue that I have disputed and called Transunion several times over the course the last several months is the Account Type on my XXXX secured loan account number XXXX ( credit builder loan ) is listed as a line of credit and not installment, which Transunion thus calculate into my credit utilization causing a high utilization score. 

XXXX and XXXX both reports this account as a installment account please see attached documents. 

I also verified with XXXX that they are sendingTransunion the correct information. 

Transunion is violating the Fair Credit Reporting Act by reporting wrong information and refusing to change the account type on my secure loan causing harm to my credit score.