davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

As stated before my identity and various things were taken XXXX XXXX since then there has been many unauthorized withdrawals made on my account. I've gotten a new card and reported the events to the bank and I haven't been compensated for any of them. I've just given up on the possibility that someone would be kind enough to hear me and help me. I use the direct express bank card to recieve my SSI and XXXX checks. I'm on a fixed income I can't afford to keep letting people take my money. Due to my circumstances I'm not able to call or even attempted to try. My calls are XXXX and I'm exhausted
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

Received two text messages stating they were from CITIBANK The first, received XX/XX/XXXX, from phone # ( XXXX ) XXXX, stated that there was unusual activity in the amount of {$130.00}. XXXX from XXXX XXXX and that card was put on hold to block charge. Gave website http : //secured04-citibank.com/secure/citibank/index The second, received XX/XX/XXXX, from phone # ( XXXX ) XXXX, repeated that my card was suspended and that I could not view statements and notices online until I verified my Citibank account at XXXX secured. Failure to verify within 24 hours would lead to permanent suspension on the account.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX of CREDIT SYSTEMS INTERNATIONAL, INC. on XX/XX/XXXX and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents. In the invoice, there is a due date listed on XX/XX/XXXX of {$1000.00} USD per violation listed and damages of {$18000.00} USD with a total of {$90000.00} USD. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MO)

Netspend Visa prepaid card ( XXXX ) was never activated, after speaking with a Netspend representative I was informed that Netspend would not activate said Visa prepaid card. This refusal to activate the Netspend Visa prepaid card was not clear of the exact reason ( s ). So, at which time, I demanded that Netspend return all funds immediately since Netspend refuses to activate the said card. I've spent {$100.00} ( load ) + XXXX ( purchase price ) = XXXX. At this point, Netspend has carryon as gangers on this refund, that is to say, it has been hard to get a representative over the phone ( to get status of my refund ) and I have yet to receive my fund.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

I have been using the exchange gemini for YEARS now and today i randomly when to log in and it says that my account is frozen and they have deactivated it. For no reason or warning i have over XXXX USD in my wallet in that exchange and now they are restricting me from selling or withdrawing. I just want. To be able to use my account freely. I do not understand why they would do this to any account never mind such a large account randomly.. this is a terrible company i dont know what good they get out of this unless they are trying to steal my funds. I submitted the following info they asked me to Your entire face - Your ID that was used to register with Gemini. This was either a passport or Drivers License. 
- A hand-written note that states the current date and says [ XXXX ] underneath
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (AZ)

I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. Experian has ignored the evidence and is still assessing ownership of this fraudulent account to me.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

RE : Wells Fargo Home Mortgage - failing to send most current loan statement after paying off Mortgage. 

My husband and I are both owners of our house, but the mortgage was in my husband 's name only. Unfortunately, my husband passed away at the end of XXXX. In order to keep the house, I managed to pay off his mortgage account with Wells Fargo Home Mortgage in XX/XX/XXXX. 

I have been requesting the final or the most current loan statement after paying off the mortgage several times, after receiving the required document ie.death certificate, Wells Fargo still refused to send the final loan statement. I went to their branches and wrote several letters about this matter, but Wells Fargo just advised that they could not supply a final loan statement to me for safekeeping. I am very disappointed with Wells Fargo 's way of treating its customers and really not impressed with their inefficiencies in handling this matter. The staff who handled the case just followed their procedures of sending me letters but do not actually doing anything to solve my problem. Again, I am very disappointed with this lender.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I have an account reporting that does not belong to me and I have tried on several dates XXXX without any success. I have also contacted the company directly to no avail. This account is reporting to my credit and damaging my credit credit.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

In XX/XX/2020, I sold a cycling shoe to a buyer, in-person, through XXXX XXXX. The customer asked me to use PayPal. 
I sent buyer the link for payment by e-mail, this way he could pay using his credit card through PayPal. And he did it. Immediately the payment changed from OPEN to PAID, and then to PENDING - Processing time XXXX hours. 
The buyer picks the shoe up and left, since we both believed that in matters of time to complete the payment. 
Listed on Marketplace XXXX : XXXX : XXXX Paypal Transaction ID : XXXX A complaint was opened with Paypal last XX/XX/2020. 
Paypal replied back asking the buyer to confirm the receipt of the product. 
However there the customer does not have an option to add the information on his app side. 
The buyer tried to cancel the transaction to pay me in cash, but the credit card administration said the money was already taken by the merchant ( Paypal ). 
Paypal app/website still with the payment on " pending ''. 
No other option from Paypal was given to me to receive the payment.
Consumer complaint received 2020-08-28
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: Atlas Credit Company, Inc. (TX)

Atlas Credit Company is a predatory lender. I opened an account with them on XX/XX/XXXX. I then paid the account in full XX/XX/XXXX. They reported to Transunion I had filed a bankruptcy. I never filed a bankruptcy. I also paid the account in full. They refuse to remove the information from my account. I disputed the account multiple times and they refuse to acknowledge their error. 

I was unaware of this until I pulled my annual credit report. Both XXXX and XXXX  do not have this information listed. This lender is purposefully attempting to damage my credit. I believe they should be held accountable for inaccurate information. They continue to damage my credit and countless others. They are predatory lenders and should be held accountable. 

Atlas Credit Company XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-12-07
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION (TX)

I am writing to formally notify you that l am a victim of identity theft, as confirmed by my recent credit report dated XX/XX/year>, from XXXX. Several unauthorized accounts have been opened and reported in my name. I request that XXXX immediately block and permanently delete the following fraudulent accounts under 15 U.S.C. 1681c-2 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX have been dealing with Transunion for over a year now and they continue to fail me and think that they are above the law when dealing with the furnishing of information on my consumer credit report. They sent me a notice about a credit repair company when I have reached out pertaining to Dept of EducationXXXX on a multitude of several occasions from the beginning of last year around XXXX when I started disputing. They have not provided me investigation procedures, they have neglected to open investigations and everytime when it comes to removing this information that I don't recognize and not only that it is extremely inaccurate they are always giving me the run around and not doing their job as if they are biased to the side of the creditor. I have reached out to the creditor about this account as to validate the information and dispute under several attempts and they don't get back to me either and neither does Transunion. Within the past year of trying to dispute this information I have suffered health issues and a mental toll dealing with this stress and enough is enough! Not only have they defamed my character severely there has been no proof of what they are stating, none of this information has been verified and I just am tired of being given the runaround.
Consumer complaint received 2022-09-27
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 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. 
This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : $ XXXX, TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$0.00}, TOYOTA MOTOR CREDIT CO XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland credit management is proceeding with a lawsuit without providing me verification of the debt. I now have 2 pending court cases in the State of Missouri. I have asked two separate times for the debt to be verified, once on XX/XX/XXXX and on XX/XX/XXXX. To date, I have not received verification and the lawsuits are active. 
Missouri Court XXXX and XXXX Missouri court website XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (IL)

Experian and XXXX  are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2020-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2019 we send a payment of ( XXXX $ ) from XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX ( XXXX XXXX XXXX ) and the Beneficiary in XXXX XXXX  said they didnt received the payment yet, and the XXXX XXXX XXXX XXXX XXXX said they send the payment and both side refused to give me any proof The intermediate bank was JP morgan and the reference number is ( XXXX )
Consumer complaint received 2020-08-28
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. (AR)

In XXXX of 2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XXXX XXXXXXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX  XXXX {$900.00}
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (CA)

I have tried to solve this matter with Experian but they have decided to be non-complaint in removing this account from my report and simply did not investigate and Updated it on XXXX after my dispute.. I contacted XXXX  XXXX XXXX who confirmed in writing to that the Account Number : XXXX is under a different identity NOT MINE. I also filed a report with the IdentityTheft.gov and submitted both the written confirmation and identity theft report to experian who have failed to comply with the FCRA and just say the updated the account with is falsified. This account does not need to be updated because its not legally under my identity
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed a account on my credit report and after the investigation the account was deleted. But then was reinserted, and know that it is illegal for them to do that. I would like it to be deleted and stay deleted.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/XXXX I called ca edd to inquire about my unemployment claim that I filed back in XX/XX/XXXX. I then found out, that my claim had infact been accepted and was actively being processed biweekly. I informed the ca edd, that I had not received my debit card yet and, that I was not responsible for any activity that had taken place on this account. I was then told to contact the bank in which the card was issued, to let them know, that I was not the one using the card and that they should freeze it and do an investigation. The bank then informed me that there had been a numerous amount of transactions dating back to XX/XX/XXXX and that there had been more than {$9000.00} withdrawn from the account. Infact, the total amount was said to be {$9300.00}. The only other information that I was given is, that this took place in the XXXX CA area. It wasn't until later, that I was told to go to my local police department to file a police report to accompany my claim. Between the dates of XX/XX/XXXX and XX/XX/XXXX I have no knowledge of any transactions. Please provide any video and or audio footage recovered after the investigation process. Attached is police report for validation.
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (AR)

I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2023-03-23
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: SYNCHRONY FINANCIAL (NH)

In XXXX of XXXX my daughter graduated from high school. At that time I lost child support decreasing my income. It took me until XXXX of XXXX to find a second job. While I was looking for work I had to use my credit cards quite a bit in order to keep all my bills and high electric bills covered. I did not miss any payments at all but it made my usage go up quite a bit. Since then 4 of my credit cards have taken away my credit limits causing my credit score to fall ALOT..!! Is this LEGAL even though I have not missed a single payment in 12 years?? My XXXX cards cut both my limits 2 times. My Synchrony cards cut both my limits on my two cards and today I got a notice that my XXXX card cut my limit. How can this be legal if I HAVE NOT MISSED any payments or defaulted on these loans ...?? The Govt. increases interest rates and the power companies increase electric rates of course people will need to use there cards..!!!! Since I got a job in XXXX. I havent needed to use them but my score has been destroyed because of what your agency is reporting. Again I ask ... .is this legal..? Or should I just find a lawyer and take action that way. Why am I being punished for using my cards when I have NO missed or late payments..?? Also what type of lawyer should I hire for something like this??