davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

Please refer to my complaint ( XXXX ) on XX/XX/2017 against XXXX XXXX. Spoke to XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX   CST. Have the entire recorded conversation and could share with you. 

Previous complaint XXXX My tenant sent me the rent via ACH using his XXXX XXXX account using XXXX. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX   checking account. But then XXXX asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. When i did that - i come to know that XXXX is only mobile based app - it's not something that can be done via computer browser ... it's strict no no for me. Worst thing - it cancelled my XXXX profile and cancelled my incoming transfer. Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform? 2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers? 3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. This is plain simple ridiculous. Customer service seems to be operating from XXXX and doesn't even know how to deal with customers in this kind of situation. They are taking customers for granted. 
============================================================= Till now this issue is going on. 
My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, XXXX XXXX and XXXX-XXXX is taking the accountability and responsibility ). 

I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. 
XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. 

Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. 
It's very dangerous and chaotic. 
Worst wait time on the support is too much ...
Consumer complaint received 2018-02-03
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. (IL)

Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX loan
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked XXXX XXXX to remove the account they have reporting on my credit report and its been almost 2 months and they have not done anything to fix it. It still says investigation in progress. I would like it removed!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX is reporting lates on my report and I am not responsible for said account. {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX They are reporting an account that does not belong to me on my credit report. I disputed this account and they verified the account with the bureaus and I am unsure how since it do not belong to me. I would like someone to show what they verified this info with.

XXXX XXXX XXXX XXXX XXXX   DE XXXX ( XXXX ) XXXX XXXX is reporting a medical bill that i disputed and showed proof of insurance. They still have not removed it.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have multiple issues with Bank of America to start off with. I have had to cancel my card multiple times due to fraudulent activity with the same company ( XXXX ) twice already, taking money out of my account and once with another company. Is n't that what the chip is for? For better security? This has n't only been frustrating but a pain because I ca n't use any of my money because my card is cancelled, also frustrating because I 've had a new card 4 times already and it has n't even been 2 years! Another thing is, I use an app called XXXX, which allows me to access my paycheck early so I can pay bills, etc. It relys on Bank of America to send information in a timely manner such as account balance and recent transactions in a timely manner in order to do this. Bank of America highly slacks in speed towards their customers, even on business days, it took them almost 3 days to relay information during the week which is unacceptable when I 'm trying to manage my money. One last thing is, I honestly think it is outrageous how many fees Bank of America charges to use YOUR OWN MONEY. If you withdrawal too many times you 're telling me you 're gon na charge me a fee? That 's ridiculous. And if I transfer MY money between MY accounts too many times you 're gon na charge me a {$10.00} fee? I think this is ridiculous and all of these issues should be looked at. Not all banks operate this way.
Consumer complaint received 2017-06-15
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. (RI)

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX    )  . Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had Transunion re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (RI)

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with Navient ( formerly  XXXX   XXXX  ). Because the of the account status,  Navient  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (  XXXX  ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and Navient would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from Navient to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I ha ve a Sears MasterCard an d have been trying to make a payment and the site has been working at all. I have tried other browsers, clearing my cache, refreshing my page, using a different computer, and nothing works. It stays  on one p age and you 're not able to make a payment. My account is now past due. I have called the number on my card and they said the site is currently down and no one is able to process there payment online and the bill pay department is not able to receive my call because there is such a high volume of calls! They should of sent nification if their site is not working! How else woud anyone with e-statements know to pay?! The person on the phone was not able to take my payment, as the payment is now past due and when transferring to the bill part department, no one picks up. This is extremely frustrating and unnerving for a credit card company to not have any ability to pay either online or over the phone! Below is the website I have been trying to pay my bill on.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX   2016  my credit was pulled  XXXX  by a rep for  XXXX   XXXX   XXXX  without my knowledge. The  manager said t hey disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a   negative on my credit profile.
1st req  uest sent certified mail  XXXX / XXXX / 17  ; response was " verified  '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct.     * These negative records are also listed on my report as duplicate recor ds (   XXXX   times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Consumer complaint received 2016-08-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a Home Equity Loan with Citizens Bank. This was paid off with about {$200.00} extra. 
I contacted Citizens and they said loan was not closed and property was still leaned. They said there would be a {$160.00} charge to record deed. They are claiming they never have been notified to close the loan. If you look at the " Principal Balance '' it is - {$200.00}. The " Total Balance '' is - {$45.00}, a difference of {$160.00}, which means they have their records mixed up. They took the {$160.00} but will not close the account, and issue a refund.
Consumer complaint received 2017-06-15
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. (IL)

Received letter from XXXX XXXX XXXX dated X/XX/17 that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on X/XX/17. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XX/XX/XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at Consumer this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XX/XX/XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that consumer just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

I have multiple American Express cards which earn me membership points. Yesterday as of XXXX XXXX I had XXXX points, today I have only XXXX points. XXXX points have been deducted from my account today without any justification or explanation. 

Despite removing these points, additional XXXX points are also not available for use. Earlier also Amex had erroneously not allotted me points and later after a complaint to CFPB had released those points.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (VA)

I will like to file a complaint with Experian credit reporting with the CFPB to investigate I have a issue with Experian credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXXXXXX XXXX XXXX, Account # XXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account # XXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXX XXXX  XXXX, same issue, XXXX XXXX account # XXXX This account was paid, Account status incorrect, XXXX XXXX account # XXXX, information inconsistent and inaccurate, XXXX XXXX XXXX account # XXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation.