davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I have the BestBuy Store card by Citibank. As of XX/XX/XXXX, I had XXXX non-payments no interest purchases, of which XXXX ended on XX/XX/XXXX. In my online account, it tells me what the total due is for each XX/XX/XXXX payoff balance. I was told by several of the bank 's agents that if I make an exact payment that matches the payoff amount of a transaction, the system knows how to pay that off. I had tried that several times and found that is not the case and called back over and over. On XXXX, I made a payment of {$92.00} ( the exact amount of one of my no payment no interest purchases ). I waited for the account to update, but it does not update in real-time nor before the end of the month according to the agent, I spoke w/because it wasn't wiping out that transaction in my online account. The female agent that helped said she made a note about that. She then asked if I was going to be paying off the other 2 outstanding. I had one that was under {$100.00} and one that was {$690.00}. I told her because the {$690.00} had the highest interest penalty, that I had planned to pay that one off for sure, she said that she told the system that a payment of {$690.00} was to be allocated to that {$690.00} promotional balance. A {$690.00} payment was made on XXXX satisfying the {$690.00} promotional balance, I called in on XXXX and spoke with a gentleman, who told me he sees a {$690.00} allocation 'trigger ' was set up by the last agent. That agent told me that I now actually only have one promotional balance unpaid on my account and that was the one that ends in XXXX XXXX for {$2100.00}. I did not believe the agent so I made an additional {$82.00} payment while on the phone with him. Now that the month ended everything came to light, except somehow 2 of my promotions are not paid off owing {$82.00} and {$10.00} or so, yet online right now it tells me I owe {$1.00} and XXXX cents. I just spoke with a regular XXXX agent who transferred me to a super named XXXX, who thought it was not Citibank 's responsibility to have his agents provide correct information and that everything falls on the customer, so I asked for his supervisor, he transferred me to XXXX, who seems like she understood the issue, could see where errors were being made and is providing me with a credit that should correct this issue. Here is the problem, Citibank does not provide or give customers any real-time data to know where money is going to, or what money is owed on a XXXX interest promotion, I think they purposely set it up so that customers can't actually pay things off to avoid interest payments, otherwise, why would such a large company like Citibank, not have a system that shows real-time and accurate allocation information to the customers. Something else is going on here and Citibank needs to be looked into.
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 a account without my written instructions.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

My account has been under review for a month now. 
I gold my crypto in coinbase and they but my account under review without any reason. 
I sold my last BTC XXXX XXXX and after that i can't sell nothing. 
Yes i have small amont of money there but for me it is big. 
I sent them first complaint in XXXX. XXXX. They answerd a plain replay in XXXX and i answerd back. 
The last lether they sent me was XXXX. XXXX and they told that they will close case in 48 hours and fix the problem but they didnt. Today i sent a New complaint and got again a stamp answer. 
I Hope that you can help me
Consumer complaint received 2020-07-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Massachusetts Educational Financing Authority (VA)

Between XX/XX/XXXX and XX/XX/XXXX, I co-signed for two student loans for my Son and two student loans for my Daughter. These loans were obtained from XXXX XXXX XXXX ( XXXX ) through the Massachusetts Educational Finance Authority ( MEFA ). For each of these loans, we were very clear that both students would be the primary borrowers and I would co-sign for the loans. However, I am in the process of trying to refinance my home mortgage. I have been told by the finance company that I appear as the primary borrower for all four of these loans. I have contacted XXXX on several occasions in an attempt to rectify this situation. On the first attempt, I was told that " this is how we process the loan. There is nothing we can do about it ''. Earlier this month, I contacted XXXX again. This time, they offered to send me the loan documents to review. They advised me that I could call back if I found any errors. On Wednesday, I received the attached loan documents. On all four applications, The " Student Borrower '' ( Section A ) is listed as either student. The next section, Section B, is very deceptive. This Section is titled " Borrower 's and Co-Borrower 's General Information ''. I believed that I was completing this document correctly by filling in my information under " Co-Borrower ''. The signature fields on each of the loan agreements ( Page 3 of 5 ), also make it clear that my Son and Daughter are the primary borrowers and I ( and my Wife, for the first loan ) signed as the co-signer. However, MEFA/XXXX changed the Final Disclosure documents to make it appear as if I was the primary borrower. On Thursday, XX/XX/XXXX, at approximately XXXXXXXX XXXX, I again contacted XXXX and spoke to a " XXXX ''. XXXX advised me that because I filled in my information first under " Section B '', XXXX looks at me as the primary borrower. I asked him where it explained that in the instructions. I told him that this was a very deceptive practice. XXXX advised me that there was nothing I could do about this. I asked to speak with his supervisor. He stated " I can put you on with a loan specialist,  but they're just going to tell you the same thing ''.
Consumer complaint received 2020-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!
Consumer complaint received 2021-09-22
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: SYNCHRONY FINANCIAL (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (PA)

On XX/XX/2021 Credit Karma deactivated my debit card due to a fraudulent charge. After I asked them to not do that until I could pull my funds out they said the card was already shut off. I have been going round and round with them so I can have access to my funds. Almost a week later I still can't access my money. I've tried linking my external bank account to them so I can transfer the funds and I can't link them. They keep telling me that they are working to solve the problem. I feel at this point they are holding my funds hostage by not allowing me access to my money. 

Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF  ED/XXXX Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

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

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-28
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: EOS Holdings, Inc. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This complanit is about how upset and concerned I feel about not receiving anu response from USAA Savings Bank. Back on XXXX, I sent them a dispute letter with all the proper documentation. I havent received any response or acknowledgment of my dispute. 

The involved accounts are : 1 ) account # XXXX, opened date XX/XX/XXXX original balance {$9300.00}. 2 ) account # XXXX, opened date XX/XX/XXXX, credit limit {$11000.00}. 

USAA is being negligent, unfair, and has committed some other violations to the FCRA, such as inconsistent credit reporting across bureaus, and reporting inomplete information. They have also failed to do the propeer investigation on this case, which looks like is not even a case for them. 

I am demanding the removal of the mentioned accounts. 

Thank you very much, CFPB.
Consumer complaint received 2022-06-28
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AutoNation Enterprises Incorporated (CA)

On XX/XX/XXXX I financed a car thru XXXX XXXX in XXXX Ca. Financed the vehicle thru CIG FIANCIAL. I was told a {$2000.00} down payment was required, as per TILA a down payment is not required and this was not disclosed breaking the truth and lending act. We negotiated two payments of {$1000.00} to total the sum of {$2000.00} dollars for the down payment. The following days after Im getting harassed and the creditor ( albsou motors ) contacted my references discussing non public transactions and business matters without my consent violating 15 US Code 6802 - obligations with respect to disclosures of personal information. See attatch documents for evidence of clear violations including but not limited to verbally and falsely lying to third parties about tags and registration being at dealership to get in contact with consumer and non public transaction and business matters being discussed to third party entities.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted TransUnion on three occasions about reporting inaccurate information on my credit report. I Furthermore have requested them to send me verification of the Debts and sign documents stating that these accounts do belong to me .During their investigation, they stated that they verified the accounts from a third party reporting agency .In particular reporting on my credit report is a { Bankruptcy } that I am trying to verify legally and look over the documents. 
The Federal Court stated to me, " that they do not sale or send information to third party companies such as the credit bureaus '' ''
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or i shall proceed with involving my attorney!
Consumer complaint received 2020-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

I purchased a pool from XXXX XXXX on XX/XX/20 for XXXX with my capital one credit card. The next day the website disappeared. The purchase showed up on my statement as an electronic. There was no phone number or way to contact them. I disputed this immediately with capital one The next day the seller sent me and capital one a shipping label and tracking number showing they were sending me something that weighs less than one pound. Capital one requested I send them info to show i cancelled the purchase or that it was never received. Still to this date the item has not left XXXX and I have sent them verification of that. They said it would take 2-3 to weeks to receive its been two months. Also it hqsnt left XXXX. I did cancel the order they said if I dropped my credit card dispute they would refund me, they still haven't refunded me and capital one refuses to assist me with a refund. Also I sent capital one item descriptions and pictures to show the pool is supposed to weigh 80 lbs. Not less than one pound. I have done everything vapital has asked and I need my refund.
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

I have had my account set up on automatic bill pay through my bank XXXX  XXXX XXXX for over 2 years. My XXXX payment was processed and mailed to them by XX/XX/21 ( see attached ). 

On XX/XX/21 I called them because I could see that they had not processed my payment at that point. I told them my concern of being reported late on my credit report and charged a late fee. 

The person I talked to said that they were behind in processing payments due to the postal service. He assured me because of the delay in processing payments I would not be assessed a late fee. 

The check was finally processed on XX/XX/21 ( see attached ) and I incurred a late fee on the next statement and subsequently a late fee on the XXXX statement.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/2021 I made an error when I tried to pay my credit card bill using online bill pay and filled in the wrong line. The check was sent to Barclays instead of XXXX, the holder of my current account. On XX/XX/2021 Barclays received a check from my bank XXXX XXXX XXXX for {$6400.00} paid to an XXXX  credit card that had been previously serviced by Barclays. 

I called Barclays on XX/XX/XXXX when I discovered the error. A representative from the online bill pay company was with me on that call. She sent a copy of the check to Barclays. I later called Barclays again and spoke to XXXX who asked me to send him a copy of the cleared check at XXXX. While we were on the phone he told me he had received the copy. A week or so later I got a call from XXXX DE telling me that a check would be processed and mailed to me in 2 to 4 weeks. I have received nothing. 

On XX/XX/XXXX I spoke to a person in the complaints department who told me there was no record of receiving a copy of the check and no refund has been sent. I also wrote a letter to Barclays on XX/XX/XXXX detailing my issues and never heard back from them. I called again later that week. After being transferred to a manager, they gave me a case # XXXX and told me they would work to have a check mailed out within ten business days. I called again after 2 weeks and they said the check was mailed out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received nothing. 

I called again today to find out what the holdup is. They insist the check is out but I could walk it from Delaware in this amount of time. I have requested that they cut me a new check and send it via XXXX but they will not do that. This is not an insignificant amount of money and they have been holding it for four months. Please tell me what do I have to do to get my money back?
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.