davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC (FL)

Since XX/XX/XXXX I have been receiving bills from XXXX  XXXX XXXX XXXX XXXX. After several attempts to pay with an XXXX they would deny the payment, so after a few months of this and trying to reach their billing department with no success, I started making payments. Then I started receiving 3 bills with the same account number for 3 entirely different amounts and none of those every reflected my payments. To this day I have paid over {$400.00} dollars that is not reflected on any of the bills. After 31 calls to the billing department to set up a payment schedule and to find out the discrepancies in the bill, I have never received a call back or spoke to anyone due to the billing office does not answer, you have to leave a message. On 4 separate occasions I called the appointment desk and asked for help since I was not getting to speak to anyone. The person that answered stated they couldnt help me but they would send an email to a lady named XXXX that was the head of billing and she would call me, still has not happened! On approximately XX/XX/XXXX I received a bill from Capital Collection agency for this company in the amount of {$690.00} when the original bill was for {$670.00}. First of all the lady that spoke to me from their front desk acknowledged the payments that we received but those were never noted on the bills. I have worked diligently to fix my credit after a divorce from years ago, now doing the right thing I still get sent to collections because no one at their billing department will talk to you! Where did my payments go to?
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2020, my husband and I applied for a mortgage loan with XXXX XXXX. The loan officer stated that our credit scores were too low to obtain a mortgage loan even when he uses the middle score from all three bureaus. Also, on today, XX/XX/2020, we applied for a mortgage loan with XXXX XXXX through XXXX XXXX with the same results. This complaint is against Equifax Credit Bureau, who shows my credit score as XXXX. However, when the mortgage loan officers check my score then Equifax is reporting XXXX. This different span of scores is affecting our ability to purchase a home and makes Equifax in violation of the Fair Credit Reporting Act. I have attached the scores reflected by Equifax via XXXX XXXX.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

Hi, My name is XXXX XXXX contacting the CFPB regarding my Bestbuy/Citi account on the late payments XXXX 2020. Please see the attached documentation enclosed.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

PNC is the bank servicing my mortgage current. PNC bank sent me demand note of & XXXX. Upon enquiring about the charge, PNC came back with an explanation that this was a charge from " XXXX XXXX mortgage '' back in 2015 when I asked XXXX mortgage to reassess my home and remove PMI. 
XXXX  mortgage assessed my house twice in 2015 and I remember paying for the assessment. However since this is 6 years ago, I dont have proof of that payment. 

I remember submitting CFPB complaint ( XXXX ) back in 2015 complaining against XXXX XXXX  and I thought the case was resolved. 

This now seems like a harassment because PNC bank is saying they cant go back to XXXX and I have to talk to XXXX  again.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

Hello, I received the Way2Go Debit card as a product with which I have received my unemployment insurance funds, roughly around XX/XX/2020. This Mastercard product was accompanied by the associated information and terms of use paperwork. The XXXX XXXX Prepaid Mastercard Card Terms of Use document includes a table under the 26. Fee Schedule section. I have attached an image of the section of interest. Funds Transfer is listed as a category, noting You may transfer funds from your Card account to a U>S> bank account owned by you. You must initiate the funds transfer by calling the automated customer service at XXXX. I wish to note that on XX/XX/2020, I logged in to my account on and searched through the Cards associated website portal, GoProgram.com, and was unable to find any reference to initiating or performing fund transfers online. Furthermore, I called the provided Customer Service phone number on XX/XX/2020. Fund transfers were not offered at any portion of the automated systems choices. I eventually reached a customer service representative over the phone. She confirmed that the customer service department for this card is unable to initiate a fund transfer in any way. She suggested that I complete the transfer online, by logging into my account. I informed her that I had attempted the actions via my account online. She looked further into the situation and reaffirmed my sentiment that transferring funds was also not an option provided to me through my online account. I asked her to confirm that there was in fact no means in which the funds could be transferred electronically or directly to my XXXX XXXX  account. She confirmed and informed me that my only options for accessing the funds are to either withdraw cash via ATM or spend the money through purchases. In summation, the Terms of Use for this card indicate that I may transfer funds from this card to my personal XXXX XXXX  account, while simultaneously no method for conducting this service is offered to me ; XXXX XXXX is not providing the service that they claim to offer. 

I called CFPB on XX/XX/2020, explained the above situation, and was encouraged to file a complaint, preferably online.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX Capital One Bank Credit Card reported my account late. I have never been late because I have automation payments set up. I spoke to the company who stated they would remove it in XX/XX/XXXX as of today it still remains Account number- XXXX XXXX XXXX
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019 I received a " XXXX with Zelle payment '' to my XXXX Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " Zelle Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " zelle dispute ''. I contacted XXXX customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer Zelle ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via zelle transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my zelle details. I heard XXXX XXXX voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ zelle 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest American taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will screw over anyone as long as they can get some money out of it. 

To make matters worse, XXXX customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with XXXX and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim. 

I
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (TX)

We are an XXXX XXXX  and recently added PayPal to our site as a payment option. Within days we had over {$15000.00} of sales. Paypal put the entire amount on " hold : for supposed security concerns. We complied with all of their requests for information, e.g. shipping labels, receipts from our suppliers, ID etc. They started to release some of our funds after 7 days but continue to " hold '' new transactions. Currently they are using over {$5000.00} of our money. We made numerous attempts to contact PayPal by phone and were disconnected. None of our Help " messages '' were answered. PayPal is clearly taking the float on our money. Please let us know if there is any official action you can take on our behalf.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I was made a purchase at HOMEDEPOT several months ago. The Cashier suggested that I place this charge on my HomeDepot Credit Card. I explained to her that I did not have the card with me. The Cashier said that she could look up the account. So, she did and I completed the Transaction. I pay all my bills with BILL PAY. When it came to my attention that I over looked paying my Home Depot account ( Now Past Due ). When I discovered I was past due, I contacted HomeDepot and explained to the customer service agent that I honestly over looked the Payment. The Agent indicated not a Problem. I made the Payment and the Home Depot Agent removed the Late Charge.

At no time did the Agent advise me that HomeDepot reported my Account 30 Days Late to the Credit Bureaus. I did not find out about this derogatory remark on my Credit Report until I applied for a Mortgage Loan to refinance my home. I immediately contacted Home Depot to requested that the Derogatory Remark be removed. The Agent I spoke with said that I had to send a written request along with a copy of my credit report. So, I did as I was asked and mailed the requested information to Home Depot. I spoke with a Home Depot Agent Thursday XXXX to follow up on my request. I was told my Request was Denied. No further explanation. 

I have a CLEAN Credit Report. This 30-Day Derogatory Mark on my Credit Report is keeping me from Refinancing my home and car. I am attempting to consolidate my monthly cash out flow due to the hard times we are facing as a Country due to the Corona Virus. I have had my Home Depot Credit Card for 6+ Years, and I have never had any problems. In fact, my credit limit is XXXX. 

In closing, I have been under extreme stress not knowing what is going to happen with our Economy. I have XXXX  sons that I worry about. My Older Son is XXXX, which puts him at XXXX XXXX!! I have been under extreme stress, with the passing of my father in XXXX and my mother passing in XX/XX/XXXX after a long battle with XXXX XXXX XXXX and XXXX XXXX. I made a Mistake!! A One Time Mistake with an account that I have had over 6+ Years. I ask the Creditor for help, and the Creditor Turns their Back!!
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (MD)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As I checked my three credit reports from annualcreditreport.com, on XX/XX/2022 XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with Experian and XXXX and not with XXXX. I'm requesting that this inaccuracy be deleted from Experian and XXXX credit reports.
Consumer complaint received 2020-07-04
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: WELLS FARGO & COMPANY (FL)

In XXXX XXXX my credit card was used without my permission, I notified the bank in a time manner but the Bank failed to investigate appropriately my case and at the end they denied my case without providing a good reason for the denial. 
Bank ended reporting this balance to credit bureaus and late payments as well and I was not informed that I have to keep making payments for a balance resulted in purchases that I never approved. 
Transactions information : {$360.00} XXXX XXXX ( XXXX ) {$42.00} XXXX XXXX Georgia Wells Fargo applied fees and interests to those transactions in the mean time that I was waiting for them to complete the investigation. 

I been trying to resolve this situation from almost a year ago and I dont have any positive outcome, I had to pay the money with all the fees and interest applied by Wells Fargo.
Consumer complaint received 2022-09-21
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 (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-07-23
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: Affirm Holdings, Inc (PA)

I have never Applied for any loans with Affirm or never did I used their services. I am a victim of identity theft, and these two affirm accounts keep reporting on my credit file. Which is violating my rights under the Fair Credit Reporting Act 15 U.S. Code 1681s. I have contacted this company Affirm and they told me the person only needed the last 4 digits of my social security number to apply for credit which is insane. I explained to the agent I spoke to with this company Affirm that I never applied for an affirm account and this is unauthorized and fraudulent on my credit profile. The agent with affirm told me that this account will be removed off my credit profile within 5 days and it's going on over four months and they are still reporting. As an Identity theft Victim, under the 609 ( e ) of the FCRA I am entitled to a copy of the transaction records which I have requested and still did not receive anything from Affirm. I have reported the theft of my idenity to the Federal Trade Commision and will be seeking statutory damages.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2019-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (VA)

We applied to PNC Bank, NA to refinance our current mortgage on XX/XX/2019 at a promised low-interest rate compared to our current mortgage. We heard from the PNC Bank subsequent to the home appraisal about the refinance. However, the terms have been changed substantially and we fused the loan to refinance under these terms. Then, we received a revised refinance loan-term, in writing, on XX/XX/2019 with a stipulation of a loan closing date of XX/XX/2019. We promptly signed the documents ( copies attached ) on XX/XX/2019 and sent them to the Bank expecting a closing of the loan on or after XX/XX/2019. However, we never heard from the Bank yet. We have spent hundreds of hours pursuing this loan and most importantly, we did not apply to any other Bank at the same time. However, PNC Bank has not lived up to its written agreement to refinance the loan.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (VA)

At XXXX XXXX on XX/XX/2020, I attempted to withdraw {$240.00} from my cash App card at an ATM Machine in a XXXX XXXX store located on XXXX XXXX XXXX, XXXX  XXXX, MD XXXX {$240.00} was taken from my account balance ( {$240.00} the amount I requested, {$3.00} ATM fee, and {$2.00} Cash App fee ). However, I did NOT receive any cash from the ATM machine. I have attempted to contact both Cash App and XXXX XXXX on numerous occasions and neither of them has got back to me.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Both XXXX and TransUnion is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and TransUnion saying the account needs to be deleted off my report.