davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MA)

I had an account with Citi Bank in the past, and now just applied for the Citi XXXX credit card, since my credit score according to my XXXX XXXX XXXX reported an excellent score of XXXX. The credit application was denied, however, and the letter stated that my credit score was XXXX, XXXX points below the actual credit score. Citi customer service told me that they use XXXX to calculate scores. I created an XXXX account and found out that the {$14.00} currently charged on my active XXXX card was represented by XXXX as a negative debt, and my student loans ( Dept of ED and XXXX ) from eight years ago were still listed as having been settled at less-than-full-balance, but were actually paid in full as part of a prior CFPB complaint. That complaint was related to a XXXX XXXX I had as a student and which the student loan department refused to give me an accommodation for the XXXX I developed, and so trying to file the corrections on the credit report is causing me to XXXX XXXX XXXX XXXX XXXX and I request accommodation for my XXXX by having those student loans marked as paid-in-full without me having to deal with the student loan company that discriminated against me. The XXXX XXXX line of credit was also settled in my favor through another CFPB complaint and I would like that complication to be disregarded from consideration of the XXXX card. 
Ultimately, I believe that my past, entirely positive credit history with Citi bank, my active XXXX card, and the eventual payment of all my debts due to complications beyond my control, and my correct credit score of XXXX means I should be approved for the Citi XXXX card.
Consumer complaint received 2019-01-09
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. (FL)

I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX  has fixed it but Equifax and XXXX  refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX can see that hers is incorrect as well.
Consumer complaint received 2023-07-25
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to XXXX XXXX XXXX XXXX ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the XXXX Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 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! 
These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN XXXX Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (AR)

Received promotional letter from U.S. Bank offering {$750.00} bonus for depositing $ XXXX or more in a business savings account. Opened account and wired $ XXXX to the account. Received letter a week later stating that the account had been closed with no reason given. Called U.S. Bank customer service and they stated the account had been closed for " fraud concerns '' but could not and would not provide any further detail. Customer service agent stated on XX/XX/XXXX they would mail a check for the funds from the closed account. After not receiving a check by XX/XX/XXXX, I called back. After waiting on hold for an hour, was told by a customer service agent ( and later their supervisor ) that the funds are being held for 15 business days after account closing before being mailed back to me. They estimated I might receive the check by XX/XX/XXXX, over a month after I deposited the funds with them ( deposited funds with them on XX/XX/XXXX ). 

So they supposedly had " fraud concerns '' with the account, but instead of just sending the deposit that went into the account back where it came from immediately, or at the very least calling me to determine if it was indeed fraudulent, they have held the $ XXXX interest free for over a month and I have had no access to this money. Not to mention I did not receive the {$750.00} bonus that was offered in their promotional letter. Not sure if this is an intentional scheme just to be able to hold a ton of people 's money interest free for 5 weeks interest free in an environment where banks are facing liquidity concerns, but seems to be some bad acting going on. Would love to see this apparent bait and switch scheme addressed.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus 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 was already included in my prior complaint, and I'm including it again. 
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 2019-01-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: EOS Holdings, Inc. (NY)

I was owed a refund. Check was sent to an old address. By the time I got it, it was no good ( bounced ). I wrote a letter to the company XX/XX/2018 with my new address requesting another check. They said they sent it ( to the wrong address again ). Eventually i went to the XXXX XXXX XXXX of XXXX. The repeatedly said they sent one but didn't. This time they said they sent it XXXX to my current address over a week ago ( so they lied again ) but said " the CFPB now has the funds '' and I need to contact you! 

XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX , XXXX, MA XXXX XXXX {$170.00} owed to XXXX XXXX by XXXX XXXX XXXX XXXX. XXXX  Case # : XXXX.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IA)

I received a text message on XXXX XXXX XXXX   and again on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed XXXX. 

I called XXXX XXXX XXXX  and spoke to XXXX XXXX. She claimed LVLN and Resurgent hired them to collect on an account that should never have been sold. As I shared with her, I would provide the complaints previously filed with CFPB in XXXX along with the documentation from the XXXX vice president stating they do not have an account for me. 

Following is a copy of the email sent to XXXX XXXX XXXX on XX/XX/XXXX : To Whom It May Concern : I spoke to XXXX XXXX the afternoon of Thursday, XX/XX/XXXX regarding a collection attempt. I have never received any letter, yet did get a text, which makes me suspicious. As I shared with XXXX when I called directly, the information she has is incorrect ; therefore, I am attaching some of the documentation from a case I filed with the Consumer Financial Protection Agency back in XXXX 

Of particular note, I corresponded directly with XXXX regarding this claim. As youll see in the letter dated XXXX XXXX XXXX, from XXXX XXXX, Assistant Vice President of Customer Relations, XXXX found they did not have record of any reports to credit agencies. 

Finally, regarding the ongoing harassment of the collection agencies, this account should not have been continued to be sold. The previous company posted this resolution to my case on XXXX XXXX XXXX : Good afternoon, In light of the consumers circumstances we have elected to permanently discontinue all collection efforts on this account. The account has been recalled from the servicing agent and is now closed. 

Please let me know if I need to reopen and file new complaints with the Consumer Financial Protection Agency. I will need to know exactly which companies are involved in this continued harassment to me. Otherwise, please respond letting me know that this case is closed and whatever account in question will not continue to be sold. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Again, all documentation to that email to include the following previously filed cases : XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Resurgent Capitol stating they are reviewing an account for LVNV funding. I called the number and spoke to XXXX. This person was asking for personal information including my Social Security number, as well, which I refuse to give as I believe these people are scammers. 

LNLV Funding, LLC is listed on the letter. As I told XXXX when I called the number on the text message, at no point have I received any previous communications about this from that entity, which again leads me to believe these companies are scammers, especially as this was resolved years ago. 

This was resolved long ago, yet I continue to get harassed by these companies, who want to know my personal information, where I work, and I have been contacted at work during the previous filed complaints.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-09
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. (CA)

Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.
Consumer complaint received 2019-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (TX)

Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.
Consumer complaint received 2023-07-25
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. (VA)

Experian WILL NOT address my concerns. For the last 8 months ; I keep being declined by creditors everytime I apply for credit or a credit limit increase. Supposedly, Experian can't verify my identity. If Experian can't verify my identity then why do I have credit inquiries? How did Experian accurately matched those inquiries to me if Experian can't verify my identity? I have 3 credit cards, student loans, etc that report every month to Experian. I have tried numerous times to address this issue with Experian to no avail. I want the inquiries removed as I didnt receive a fair and accurate report from Experian. This unfair business practice makes Experian a lot of money while it hurts people like me.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (PA)

I was an XXXX XXXX XXXX customer for 14 years. The equipment began to malfunction and I did not want to upgrade the system. 
On XX/XX/XXXX I paid an annual fee of {$350.00} for service from XXXX of XXXX through XXXX of XXXX. 
On XX/XX/XXXX I called to cancel my service. At this time I was still prepaid through XXXX of XXXX. I was told I would receive a refund of {$83.00}. To date, I have not received the refund. 
XXXX made a billing error and is trying to collect {$240.00} through Apelles. 
XXXX kept me on hold on the phone for over XXXX minutes several times. No one wants to fix this on their end. 
I requested additional information from Apelles, and they sent me a copy of the contract that was signed back in XXXX. There are no equipment fees owed on a contract that was signed 14 years ago. 
Apelles also provIded a list of all of the payments I made over the past XXXX years. This information backs the fact that I was prepaid through XXXX of XXXX and I do not owe XXXX money. 
No one has explained what the {$240.00} charge is for. No one is even reading over the information they provided, that substantiates my case. 
Please help!
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Did not make or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Did not make or authorize this charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 

I contacted Pal Pal Credit M/C about the charges that were not authorized in XXXX when finding the unauthorized charges on my statement. 

They said they would investigate and make a decision within 60 days. They contacted me stating that they found in favor of XXXX XXXX. I asked for copies of the charges in dispute. I was told that they could not give me that information. 

They said they would file a second dispute. I was once again contacted stating that again I was liable for the charges. Again, I stated, I had the authorized charge receipts in my possession and wanted to see the receipts the unauthorized charges they claimed I made. 
Again I was told they could not show them to me. 

They made an adjustment removing the charges on XX/XX/XXXX only to rebill them back... 
XX/XX/XXXX XXXX XXXX XXXX SC {$92.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX SC {$190.00} The representative I spoke to this time said the two disputed receipts had signatures that didn't match and that I should send in my receipts, I said I would furnish copies and was told where to send them. 

A third dispute was now open and again I was told 60 days for a resolution. When it was well over 60 days I contacted PayPal M/C and asked how the dispute was going. I was told they had no knowledge of the third dispute and hung up on me. 

I contacted them no less than 6 times in the last 2 weeks and I get put on hold and then disconnected. I have wasted numerous hours with this process and have been left with no alternatives except to contact your agency. 

I have had this credit card for many years, never been late with a payment which is paid in full every month through an automatic debit from my bank. I have never had a problem like this in the past and refuse to be a victim for {$290.00} of unauthorized charges.
Consumer complaint received 2019-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BB&T CORPORATION (FL)

I contacted XXXX XXXX XXXX while my car was being repossessed. 
The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. 
There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX  on XXXX XXXX XXXX . 
There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. 
The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.