davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (RI)

on XX/XX/XXXX, I received a card from card.com that was opened in my name but I did not request it and realized it was opened fraudulently because someone had tried to get unemployment in my name. I sent 2 emails to try and find out how to contact them because I couldn't get through by phone and finally talked to someone on XX/XX/XXXX. On XX/XX/XXXX the person I spoke to said the account would be closed and I should get something in the mail stating it was closed. on XX/XX/XXXX sent another email saying I wanted something in writing and on the XXXX they got back to me saying I had to call. On the XXXX I called card.com again and was told the account was closed but they didn't have the capabilities to send a letter about it being closed. I had created an account with identytheft.gov and the plan they suggested was to get a letter saying the account was closed, but the card was never used because it was sent to me. They had my name but not my correct address. They used an address I lived at 18 years ago, but the person that lives there I know so he gave me the mail. 
All I want from them is a letter stating that the account is closed so I can have it for my records.
Consumer complaint received 2022-08-06
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-06
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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   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
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

XX/XX/XXXX : Opened Citibank checking account after getting an offer for {$700.00} if I deposit $ XXXX and leave it there for at least XXXX mo XX/XX/XXXX Call to close my account. I ask agent if it's possible to get my funds electronically, he says no, it's sent by mail. Account is closed. 
XX/XX/XXXX : Call to inquire where my money is. They say it can take XXXX days. 
XX/XX/XXXX : I call back, give up after ridiculously long hold times. 
XX/XX/XXXX : I call back, it's escalated to Manager XXXX, who says, " XXXX business days '' so I should have it by XX/XX/XXXX. He promises to call me at noon on XX/XX/XXXX. I get no call. 
XXXX : I call Citi to complain again. Supervisor tell me it takes XXXX business days plus XXXX more business days for USPS to get it to me. I ask what happens if I still don't have it. He tells me the only option is the start the XXXX process all over again. I ask him to escalate to someone who can either transfer it to me electronically or at least mail it with postal tracking. He says it's not possible. 

I feel I have no recourse. They continue to earn interest on my money and there's no guarantee as to when I'll ever get my money back.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have applied for a credit increase with Capital One five times and l have been decline in getting a credit increase. 

My credit scores are in the XXXX and XXXX mark. 
I was declined because to many recent credit inquiries, in which the inquiries was implemented to get a better VA lender to purchase for a Home. 
In which l am Preapproved and qualified with VA lenders to get a better interest rates and deals. 
Presently, I obtain XXXX XXXX and my VA Loan Agent is XXXX XXXX. 
Email XXXX I have filed various Federal government complaints against XXXX as they have been retaliating and discriminating against me, because of my National Origin as a XXXX XXXX XXXX and XXXX XXXX XXXX Military Veteran. 
I am respectfully XXXX XXXX and XXXX. 
XXXX has a business partnership with Capital One and XXXX has given my private information to other companies. 
My credit scores is demolished because of XXXX breach and issues.
Consumer complaint received 2022-08-06
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. (AL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX  XXXX Balance : {$1500.00} Date Opened : XX/XX/2019 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4600.00} Date Opened : XX/XX/2019 XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019
Consumer complaint received 2022-08-06
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. (GA)

This is my countless appeal that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm stimulating have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$43.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00}
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I must thank you for what you are doing. The thing is that I was asked to take a XXXX ( XXXX XXXX  ) to start with my activities in my school. I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I showed them the XXXX ID of the insurances ( XXXX, XXXX and XXXX XXXX ) and the " nurse '' told me I didnt need to pay for anything. Then, they asked me to come back on XX/XX/2019 to check my arm. I showed the insurance ID cards once more and the person who saw my arm said I didnt need to pay for anything either. Now, I received a letter saying I need to pay XXXX {$44.00} for them. Im NOT going to pay for anything because after explaining lots of times what happened to the company which brought me as XXXX ( international teacher ) te situation, they told me to contact one of my insurance company whose name is XXXX. The person from XXXX said to me that I needed to ask XXXX XXXX to submit the claim to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ). I sent an email to XXXX XXXX on XX/XX/XXXX letting them know how they can submit the claim to XXXX but I keep having this debt. In fact, I have been receiving letters from XXXX XXXX XXXX XXXX telling me about consequences if I dont pay the debt. I feel intimidated and harassed by both XXXX of South Carolina and XXXX XXXX XXXX. When trying to call the XXXX XXXX of South Carolina, you can use more than XXXX minutes of the phone without any answer. They do not take calls. Abusive people!
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 information incorrect
Company: EQUIFAX, INC. (MI)

Equifax ; XXXX and XXXX are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.
Consumer complaint received 2020-07-07
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. (OH)

When outside companies contact Equifax to pull my credit score/report to obtain a loan ( car, mortgage, etc. ), they are unable to do so. These companies provide my personal information ; name, DOB, home address, SSN, etc. and the business section of Equifax indicates to them the information is not correct for verification. For security reasons, they do not release the information to the companies that is incorrect. 

I have tried diligently for over 3 years connecting with Equifax and each time go through the same verification process with them over the phone and they confirm my identity to be valid. I explain to them the problem of companies not being able to obtain my credit report but I receive the same answer, " nothing appears wrong with your report. '' When a credit report is issued to me, I have noticed each report indicates new names and new addresses in the section under " previous home addresses '' which is also incorrect but never corrected. Each month that I have received this report, different names and addresses appear, some from within my state and others outside of the state I live in. Although this is incorrect information on my report, I don't believe this to be the problem as to why companies can not obtain my report. This is a separate problem I would also like to have cleared up. 

A few years ago, Equifax had a breach and I was contacted by my bank. Equifax provided a 1 year free identify protection service and the ability to " freeze '' my account, which I did. A few years ago, I released the freeze when wanting to obtain a loan so that my credit report could be obtained. According to Equifax, there is no freeze on my account and yet they don't have an explanation as to why companies are not able to pull my credit report. The problem with companies trying to obtain my report started after this breach or after the freeze was initially placed and released. 

In an effort to fix this problem and aside from reaching out to Equifax directly over the phone, I have also supplied Equifax with numerous emails and faxes proving my identify with drivers license information, utility bills, tax records, etc. ; again, with no resolution to this problem or reply. 

I am at a loss on what or who to contact to resolve this issue as I am making absolutely zero headway with anyone at Equifax. I need help to FIND the problem and resolve it.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NY)

PNC bank has made a change that prevents me from linking my bank account to my investment account at XXXX. I've attempted several times to log in, but keep receiving the message that PNC is not going to allow me to access the account. I'd like the be able to access my financial data and spend my money as I would like by investing!
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Hi, I opened a BestBuy/Citi card in XX/XX/2019 to purchase an XXXX  at BestBuy. I had cash and the guy talked me into this Citi card. I was told I could make cash payments and Citi would credit my XXXX account first. I had 6 months to pay off the XXXX or interest charges would apply. 

I paid off the account in full before the XXXX due date and Citi XXXX  me around, XXXX  me around, XXXX me around. denied all reality ( just like the president! ) XXXX  me around and made up a XXXX late fee ... they reversed and sent me an email saying so. I've asked them to close my account multiple times and now they want to charge me interest on the late fee they invented two   months ago and reversed. I made a payment when some bully XXXX customer service person insisted my payment be applied to the previous month ... the conversation became so nonsensical I felt XXXX. I mean it, XXXX is the right word for these XXXX. 

I want this account closed. I owe NO late fee and they are making up pure XXXX. This account is paid in full. In XXXX I owed a balance of {$170.00}. for work on my car. I transferred that full balance to XXXX   XXXX  so I would be completely DONE with the XXXX known as Citi ... but they won't close my account, re-invented the late fee after crediting my account properly, and demanding payment like it's legit. It's NOT legit. 

Honestly, Citi repeatedly makes it intentionally difficult to make payments, have those payments credited properly, and I don't have the time or energy to mess with them any more. They will hurt my credit and hurt me financially, like the pandemic hasn't done enough ... in XXXX my credit score was XXXX, now it's XXXX. XXXX the big banks for making life a nightmare for regular people. I'm not paying this made up late fee, extra interest and fees. I hate Citi and just want this account closed. I can not believe they're not doing this to thousands of people. 
XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These are fraudulent accounts and need to be removed ... .please be advised that I have supplied all the proper documentation ... ..see below : Account Numbers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$630.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX  XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX