davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-02
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: AES/PHEAA (FL)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 90 to 120 days late in XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-06-02
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: U.S. BANCORP (CA)

XXXX XXXX XXXX I purchased 3 US Bank visa gift cards on XX/XX/XXXX for {$500.00} each. 
Upon opening the packaging, I noticed these US Bank gifts cards were tampered with. I tried spending them in store, but the magnetic strips were defaced with glue. I called in to the number of the back of the card to inform US Bank to close the cards down and send me replacements. 



I was assured this would happen. It did not. Replacement cards were eventually sent to me, but a hold was never placed on the original cards. They were used fraudulently the very next day ( XX/XX/XXXX ) and a week later, I received cards worth a few cents instead of the {$1500.00} I had loaded on each one. 



It is now almost a month later and there is no sign of resolution. 

I am staying at my address of XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX until the XX/XX/XXXX. Please ensure that if resolution is sent via mail, it arrives before then. I would also accept the full {$500.00} being transferred into the replacement cards I was sent. 



Thank you.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1 ) Bank of America hung up on me two times when I tried to close my credit card account.

2 ) I have a $ XXXX credit due a refund for mattress purchase on my account after the account closure that they make difficult to request. I have been waiting on hold for 4 HOURS on the line for a customer service agent, waiting for anyone to pick up the line. I'm willing to bet that, should I let the call continue, l will progress through the night on hold. Strangely, I can't email them to request a refund, leaving me only with snail mail as an option for a refund. 

A process for a refund for my closed account credit is absent, after several searches.
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

i sent a letter to XXXX XXXX XXXX ER physicianequesting that they validate Not verify a debt that that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that im asking to be deleted
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (NJ)

Agreement with the creditor that authorizes you to collect on this alleged debt : XXXX. Theagreement bearing my signature stating that I have agreed to assume the debt ; XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the statute of limitations has not expired ; XXXX. Complete payment history of this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state :
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 2018-06-02
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PA)

Subject : Payment Posting Company : Home Depot attach is the statement which I honored the {$25.00} due which was due XX/XX/XXXX, it was paid XX/XX/XXXX and cleared ; However when I went back on line to observe how payment was applied it wasn't applied to promotional balance ( XXXX, ends XX/XX/XXXX ) and it should have. Now, on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I made additional purchases totaling {$100.00} which will show up on next statement and per term & conditions of Home Depot you have 25 days from close of statement to pay in full and not incur any interest. When you look at my total balance on line it reflects promotional balance ( {$2100.00} ) the purchases couple with interest they have already added on from purchases ( {$100.00} ).  The purchases were made after the close of statement XX/XX/XXXX-XX/XX/XXXX. I did try calling customer service/credit dept. of Home Depot, after speaking with representative & alleged supervisor, I was unable to resolve. 

Please, I need your intervention. 

All correspondence please send to my private email address which is XXXX XXXX
Consumer complaint received 2018-06-02
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (PA)

There was a fraudulent credit card account opened in my name without my consent on XX/XX/2010. I dont know how it was opened, but Ill assume it probably was opened online. When I first noticed the credit card on my credit report in XX/XX/2010, I contacted both discover card and all three credit bureaus to file a dispute. I filled a police report with the XXXX Pa, Police department. I sent discover card and all three credit bureaus copies of the police report. I ask them all to remove that fraudulent account off my report immediately. I also ask discover card to provide me with proof as to how was the card opened without my consent/ signature. They never was able to provide me with that information. They did put in a dispute on my behalf and said the results was that it was my account anyway. The only credit bureau that removed it from my credit report was XXXX. Ive been disputing this with XXXX and XXXX ever since.. and its still on my report. Ive ask XXXX  and XXXX to send me information on how did they determine that XXXX and XXXX proved that the account belongs to me. They never sent me that information, because they dont have it.
Consumer complaint received 2024-10-01
Product: Credit 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 (NV)

On XX/XX/year> which was a Monday I was working all day. I got off at XXXX and had to go to the grocery store to pick up a couple of items I needed to make dinner with, I spent {$14.00}. I went home after that and maybe an hour later my fiance alerted me to an email he received that said our account balance reached XXXX dollars. While we were both sitting at home, someone else had gone on a shopping spree with my card. Unauthorized purchases made were from XXXX for {$130.00}, XXXX XXXX XXXX for {$92.00} and {$32.00}. The 4th charge made for XXXX which did not go through because my account was already in the negative was for {$230.00}, they had tried to charge that twice and it declined both times. I still had my card on me so all I could think of was someone used a scanner while I was at XXXX and stole my card information. I called Wellsfargo and filed the dispute, they shut off my card and mailed me a new one. About a week later they had deposited the {$260.00} back into my account. I thought it was resolved at that point. 

On XX/XX/year> I got a letter from Wellsfargo stating they finished the investigation and determined those charges were authorized and they would deduct the {$260.00} from my account on XX/XX/year>. I called them to find out how they determined they were authorized and they told me that they could not find any evidence of fraud and the fact that I still had my physical card on me. The only thing they could suggest was to go to the businesses directly and ask them to give me my money back, which does not make alot of sense because stores don't do that. They would have to take my word and what business would do that. Them being a financial institution, I am sure they have seen of and know of just about every scam or possible way people can steal credit card info and use it. I can't even remember the last time I stepped foot inside a XXXX, I rent an apartment. I also don't spend that much money at gas stations, my small car only holds about 13 gallons of gas, and I might buy a snack or drink there but not {$120.00} worth. I have been a loyal customer with Wellsfargo for well over 10 years and this is upsetting for them to decline my claim when I am very careful with my money. I have a ton of bills and rent due at the beginning of the month, I'm not about to spend all my money and put myself in the hole like that at the beginning of the month right when all these bills and rent is due. I am very responsible and watch my account diligently.
Consumer complaint received 2024-09-19
Product: Credit reporting 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. (TX)

Subject : Request for Assistance in Removing Inaccurate Inquiry from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with Equifax. This Inquiry is associated probably with XXXX and XXXX XXXX  attack on my behalf, which I believe was the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with Equifax, the XXXX XXXX  inexact inquiry remain on my report, negatively affecting my credit profile. I kindly request your help in erasing these inexact inquiry to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2018-04-22
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. (SC)

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to XXXX  CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to XXXX. And also followed by this new report here..
Consumer complaint received 2018-04-22
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. (FL)

I have sent - faxed and mailed a copy of my DL, proof of address numerous times and Equifax has not updated my address or employer. It has been over 30 days. In addition, I faxed, mailed a copy of my bankruptcy discharge paperwork and they refuse to report the bk on my credit report. This has been the worst company to deal with. I just received an email that my dispute results are complete, using the 10 digit confirmation # it is all of a sudden saying my information does not match their records and will not allow me to view my results. This is a failed attempt on their part to meet the 30 day requirement but not update the information.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NM)

I have been enrolled in automatic payments for my student loan repayment through XXXX XXXX XXXX  for over a year. Today on XX/XX/XXXX I checked in on my account to see if they had received paperwork I submitted several months ago to renew my enrollment in the Public Service Loan Forgiveness program. When I logged onto my account, it said my last posted payment had been forXX/XX/XXXX. I double checked my bank statements and there has been no automatic withdrawals on my account since XX/XX/XXXX. I received no notifications from XXXX XXXX XXXX   that my payments through automatic payment had been suspended or that I had late payments. When I attempted to reach a loan service officer via the toll free number, no option was given to me to speak to a representative. I am highly concerned I will now be billed {$600.00} in back payments for payments that should have been billed and drafted from my account automatically over the last 3 months, or that these late payments will be submitted to credit reporting companies. Additionally, I have gotten no confirmation of my enrollment in PSLF program and no assurance that I am making qualifying payments.
Consumer complaint received 2018-06-02
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. (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX with no successful resolution. XXXX, Experian and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to make a deposit with Bank of America on XX/XX/XXXX. I initially wanted to deposit 11 - {$100.00} bills, 40 - {$20.00} bills, 1 - {$10.00} bill and a {$300.00} check. When I reached the counter I remembered that I had an additional {$200.00} that I wanted to add to the {$2200.00} that I had already written on the slip. I handed the two {$100.00} bills to the teller without realizing in the moment that I needed to adjust the amount I had written on the slip. The teller didnt adjust the total amount either.

The following Tuesday, XX/XX/XXXX, I made a call to Bank of America customer service. I was told that they would open a claim and that I would be contacted within five days with a solution.

I didnt receive a call, so on XX/XX/XXXX I had my daughter call them as my English is limited. Through her conversation I learned that there in fact was no claim that was filed and I needed to go into the branch to resolve this issue. 

On XX/XX/XXXX I went into the same branch with my daughter and spoke with the branch manager. She checked the tellers and the banks records that day and said that there was nothing off about their records for that day and that theres nothing that they can further do.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I recently checked my credit report and found a debt from a debt collector called XXXX XXXX XXXX. First and foremost, I have never received any form of phone calls or letters at all from this company. I have never spoken to anyone from this company either. So when I saw XXXX XXXX XXXX has listed the open date for this debt on my report as XX/XX/XXXX, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX as it states on my credit report. I have not had a XXXX XXXX account since years and years ago. And in all actuality, I have had a XXXX account since XX/XX/XXXX. I believe, XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year the XXXX XXXX account actually fell behind ( I'm thinking it was around XX/XX/XXXX-XX/XX/XXXX ). Which, if I am not mistaken, 5 years is the cut off mark for Florida statute of limitations. So if they did re-age my debt, XXXX XXXX XXXX can sue to collect a debt that may be time-barred. I have a image of my credit report showing the new incorrect date ; as well as, a copy of my original contract with XXXX reporting the date that I started my current account with them that I will be supplying.
Consumer complaint received 2018-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

I attended XXXX-XXXX  XXXX, Ga from XX/XX/XXXX until XX/XX/XXXX. I feel that I was coerced, and misled in signing for student loans. I graduated with a {$40000.00} XXXX XXXX that no one really honored. I was never told about the amount until it was too late. They constantly called until I decided to attend. After about half way through the program, I wanted to quit because I felt I wasn't adequately being trained for real world job field situations. They constantly changed instructors, who allowed favored students to cheat, while others really studied. There were a couple of good instructors, but most were not. I continued with school because I didn't want a loan without the reward of a degree.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (VA)

Im not sure if this is the right place to report this complaint but this is the direction I was pointed to ... the formal complaint is not with my bank as they are already working on an investigation ... my complaint is with coinbase at this time as I am at a dead end until I hear from my bank about the pending investigation. 

Today ( XX/XX/XXXX ) I tried to purchase a pair of tickets from a seller on XXXX   for the XXXX game tomorrow ( XX/XX/XXXX ) night. Initially the seller told me to use XXXX friends & family - which didnt work ; next we tried XXXX XXXX which took too long ( according to the seller ) to receive the money ; then I tried the app I use XXXX XXXX and all four transactions were refunded immediately as they canceled the payment for my protection ( all three were red flags from the beginning ). Finally the seller asked if I had used bitcoin via XXXX ; the seller told me it was secure with a paper trail just in case anything goes sour. Well theres no paper trail of the bitcoin transfer, just an address to where I sent the bitcoin. After both transactions ( two separate transactions for {$300.00} ) went through, the seller stopped responding and wouldnt answer any phone calls. I immediately called my bank & they canceled my checking card and put a hold on my account ; they opened an investigation into bitcoin to try to prove the scam. I called XXXX to report fraud and they said there was nothing they could do ; they also said there was no way to cancel or reverse any transaction. 
I also contacted DC XXXX police & they told me there was no point in opening an investigation with them, that that was the banks issue. 

I have a name ( s ) and associated email addresses that will be provided. The name he used to access XXXX XXXX, and I have the address in which he had me send the bitcoin. I also have a cell phone number he was using - not sure if anything is real or not, but all will be provided. 

Attached are copies of the emails they tried to get me to send money to, along with two different names via XXXX XXXX, XXXX XXXX and bitcoin. Attached also is a copy of the refunded email I got via XXXX XXXX which they canceled the transaction four different times for my protection, a few text message threads with associated phone number and associated bitcoin address.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. Equifax and XXXX has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.