davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

I had to open a US bank reiacard to receive Unemployment payments. First issue came about a month later when I attempted to make to second transfer of funds to my local bank, JSSB. The first time I transferred, there were no issues. Now I have my account locked and funds frozen. I called the customer support on the card and spoke many times with someone who explained to me that I needed to verify my Identity. This was started XX/XX/2020. I have faxed over the appropriate information that was asked of me. After 10 days, I called again and they received nothing is what they said. I have sent them over again on two other separate occasions. But now I'm wondering if I was even talking to the right people and had sent over my copied valid drivers license. No one has been able to give me an answer. I call and ask to speak with someone and get deliberately hung up on. Would like to know what is going on and how to access my funds and accounts. I need that money, I have bills to pay. PLEASE HELP.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Notified Experian on XX/XX/XXXX by phone that two positive tradelines present on XXXX and XXXX were missing from my report. CS agent was able to locate the tradelines elsewhere and entered a ticket into the system to move the tradelines to my report which I was told would happen in less than a week This has not happened. Subsequent calls to CS have been unfruitful and they blame the missing data on the furnisher not reporting it. Yet I know it is there because the original CS agent found the lost data
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (MI)

Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  XXXX  Equifax nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  Equifax XXXX  ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I was called by an agent of XXXX XXXX XXXX XXXX XXXX, who stated that they were attempting to collect a debt to PayPal in the amount of {$98.00} and change.. 

I checked my PayPal records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Ive disputed several times to XXXX, Equifax, and XXXX about XXXX XXXX.Ive sent the errors reporting across all three.Payment history on Equifax section is reporting 120 days late and XXXX is nothing reported, XXXX shows co.Equifax is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.
Consumer complaint received 2021-06-18
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: CITIBANK, N.A. (DE)

My XXXX  credit report shows that there is and Citicards CBNA account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX was closed in XXXX of 2020 by XXXX  XXXX with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when XXXX XXXX has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with XXXX  XXXX. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have a credit card through Citizens Bank NA. I have made all payment on time since the inception of the card. I enrolled through the Alert system for the credit card at the time of setting up my online account. 

When logging on to make my XX/XX/XXXX Payment online on XX/XX/XXXX, I had rewards in the amount of {$25.00}. I used the rewards to credit the account balance. The bill pay feature then showed my new payment due XX/XX/XXXX with a new minimum payment. 

I logged back into my account on XX/XX/XXXX to check my transactions and I was notified that the XXXX payment had not been made, even though the credit is reflected in my transactions. I immediately made the payment in full. 

On XX/XX/XXXX through my credit monitoring software I was notified that my credit had decreased over 35 points due to a balance decrease from the Citizens Bank credit card for over XXXX of the previous balance ( from {$3800.00} to {$900.00} XXXX. 

When I called the credit card services department on XX/XX/XXXX, the late fee was waived due to the circumstances surrounding the late payment. I was transferred to a supervisor XXXX who spoke down to me like I was a child and recommended credit repair companies for one late payment and a credit limit decrease. When I explained the situation he told me that even though the fee was waived as a courtesy, and even though I have the alerts system set up and was not notified, that a letter was sent to me after I made the payment and the account was up to date in regards to the late payment. 

I was told that the company is not in any way obligated to notify the customer ( other than in the letter ) that the payment is late and that I would not receive any communication in regards to the credit line decrease and that my only option was to have a manual balance increase request done which would add another negative impact to my credit. When asking to speak with another supervisor I was notified that I could but I wouldn't get anyone on the phone as they are busy. 

A letter was sent out in regards to the late payment after the payment was rectified. The letter has not yet been received by me and it is now 4 business days later.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have several complaints about my new experience with USAA. 

I am a XXXX dependent of a Veteran. Ive stated several times that I have memory issues. On multiple occasions Ive been locked out of my account and have been treated poorly by customer service agents acting like Im stealing my own money when Ive been able to identify myself over and over again. One agent put me on hold and said let me see what I can do to help you since you have a documented XXXX and then she hung up on my face. 

My second complaint is I disputed a charged from XXXX. I never received my food. I submitted proof of me attempting to contact the company over and over again about my order and USAA gave me a credit. They then reversed the credit 30 days later and refused to provide the documents I requested about the dispute. 


My 3rd complaint is my card has been locked. Its also no money in my account and my transactions are being declined rightfully so. 
Everyone knows XXXX and other subscription services illegally take money for subscriptions that have longed been canceled and they provide immediate refunds. 

This isnt about XXXX this about every transaction being declined except for XXXX  being able to overdraft my account! It doesnt make any sense that every other transaction is declined but this company is able to wrongfully overdraft my account. USAAs customer service is horrible and I get panic attacks attempting to resolve anything with these people! I am a poor, XXXX single mother in XXXX  struggling to survive. It shouldnt be this way!
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has listed my last name as XXXX for over 5 years and refuse to fix it. It is listing the wrong last name with my social security number and date of birth. My correct last name is XXXX. I disputed this at least 3 years ago on the phone and they stated they would take off the wrong last name but they never did. I disputed it again recently and they stated they would contact the third party who supplied the wrong name and get it fixed. I also uploaded my driver 's license and social security card so they could see what my correct last name was. They still haven't fixed my last name yet.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (MO)

The reason for this letter is to show that this company isn't practicing justified and lawful Business.This company never called me and I had reached out to them once I had clear my credit. Some how this. company that I never heard of I asked them by mail to please Identify your company due to the fact, I never had any loan taken out by them. I supplied them by sending certified with a Letter by mail to this company. Requesting the Original Contract that I sign. After 30 days I never Obtained the information. This company never had my address and all the info that they tried to use or access from using the 3 bureaus.Still to this time they do not have the correct information. Now here is MY issue. I go to pull my credit report that has hindered me and my daughter from moving is based on this impacting my credit score as if I took out this lone on XXXX date open then has a date of XXXX. I looked them up called and talk to a Rep and I asked him what information that you have to prove that its me after sending a XXXX letter and I get a letter back saying that they sent out information that I never seen. He says IP address I so felt that this was a scam and I told him I didn't want to receive any calls from them. 3rd letter comes out with a letter requesting for them to please remove that off my credit as they are negative affecting my report. The lady was very rude and yes yes we are putting this on my credit if I didn't pay!! so there you have it. and I don't remember any loan with the amount of XXXX ever taken out so like I told them remind me. I have a traumatic event that happen on. XX/XX/XXXX so I don't remember much so please look into this matter. I have sent them every letter that I was told to do by credit bureau. With the threats of them putting that on my credit. on all 3 report agency. is wrong... This company on the doc : last one they type my name. type a Ip. Wrong also they sent information to another address then what is filed I don't want to give them any information as they sent mail to XXXX XXXX XXXX XXXX XXXXXXXX mo, then they sent information to another address, then another address they are chasing my credit information.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of  an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive  marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX  and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (LA)

My XXXX/Wells Fargo card was stolen and {$3400.00} has been fraudulently charged to this account. According to XXXX, the charges were made at a XXXX in XXXX. I live in XXXX and have not traveled to XXXX
Consumer complaint received 2021-06-25
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. (NY)

I request that your offices provide me with competent evidence that I have any legal obligation to pay these alleged debts. 
Please Be advised this is not a refusal to pay, but a notice that these claims are disputed and VALIDATION is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 



1. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 2. XXXX XXXX XXXX XXXX Unsecured loan with account # XXXX 3. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 4. XXXX Credit Card with account # XXXX 5. XXXX Credit Card with account # XXXX 6. XXXX XXXX XXXX  XXXX Auto Loan with account # XXXX 7. XXXX Charge Card with account # XXXX 8. XXXX XXXX XXXX - with account # XXXX 9. XXXX / XXXX  XXXX  with account # XXXX
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls/Cap One is reporting me late for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Kohls make a goodwill adjustment to have this removed.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-10-15
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: STERLING JEWELERS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.