davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$51.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2021-11-28
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (PA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2019-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i have a issue with the school charging me a fee fo a class i took and they got paid for it. I also dispute the company reporting this false debt to the 3 credit bureau, so i want to exercise my rights of the FCRA act. this debt or traNsaction can not be shared with these agencies due to the FCRA act rules. 

I want this debt removed from my credit bureaus and the debt charged off and removed.
Consumer complaint received 2019-12-03
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: GOLDMAN SACHS BANK USA (FL)

I was issued an apple card on the month of XXXX. On XX/XX/XXXX, a fraudulent charge on a XXXX in New York state for XXXX was made using the same number as my card. The charge was flagged and declined by Apple/Goldman Sachs ad a new card was issued. However, the declined charge was posted on my monthly balance despite beiing declined. I called Apple card 8 times and repeatedly told me that a provisional credit will be issued within days, but was never issued. Is mystifying to me that a charge was declined but Apple still charged me and is not issuing the provisional credit. This is theft.
Consumer complaint received 2017-09-30
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: Experian Information Solutions Inc. (FL)

I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my XXXX Experian and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a Khols Card underwritten by notorious liar Capital One Bank/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!
Consumer complaint received 2019-12-03
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. (FL)

THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE ACCOUNT.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I am having an issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, Equifax and XXXX to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.
Consumer complaint received 2021-11-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MI)

In early 2020, when covid first started, my husband 's hours were being cut. I called our mortgage company at the time, XXXX XXXX, to see if we could make a smaller payment, just for that XXXX month. I was told no. They told me about the forbearance option that they had. I asked for XXXX month and was told I HAD to do it for XXXX months. So we decided to go a head with it, since were unsure of what would happen over the next couple of months. I asked right then, about the repayment options. I was given XXXX. Pay in full after XXXX months, pay in a XXXX months of installments once the XXXX  months was up, by adding it to our current payment or add it to the end of the loan. Before the forbearance ended, in the third month, I called XXXX and told them that we no longer needed help, we would start paying our normal payment. ( I was getting calls from an automated system, asking if we needed a longer forbearance ) I asked if we could put those XXXX  payments at the end of the loan, and then was told that ours did not qualify for that option. Of course. Even though I was told before, that it was an option. So, we decided on the XXXX month repayment, which we are currently paying with our normal mortage payment. I saw that on our monthly statements, it showed we owed quadruple of our house payment. I called and I was told that they were in process of correcting it, they just had so many people with forbearance, that it could take time. I called one or two more times after that and was assured that I had nothing to worry about. Our loan was then transferred over to Shellpoint. It probably happened around XXXX. We wanted to look into refinancing or selling our current home to buy another, but were told that the report shows us XXXX days behind on our mortgage payments. I have NEVER missed a payment. We've only ever done the XXXX  day forbearance, which they made us do, even though I only wanted one month of a lower payment or one month forbearance. I also emailed XXXX regarding this issue. Our statement with Shellpoint, also shows the same that XXXX was showing. It says on the most current statement, datedXXXX, that our payment amount due is {$4100.00}. Our normal monthly payment is {$1400.00}. It says we {$2600.00}, is our " unpaid amount ''.
Consumer complaint received 2021-11-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and FCRA violations which is affecting the banking system and I am reaching out to the CFPB as an agent top remove this fraud information from my report.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I filed for Ohio XXXX XXXX on XX/XX/XXXX, and my US Bank Reliacard was mailed on XX/XX/XXXX. I have received XXXX weeks of payment in the form of a check, but there are XXXX weeks of outstanding payments that I am currently due and I am also going to be short on rent due to the extreme delay of the ReliaCard delivery. The website has consistently said the card will be delivered in XXXX business days, but that's been about a week now that it has said that and I have been provided absolutely nothing. I'm very concerned about making rent on the XXXX and my other bills that are due very soon after on the XXXX of XXXX. The delay of this card has caused intense anxiety and I truly don't understand why it's taken such a long time but I want an answer and an exact delivery date but XXXX and US bank haven't been able to provide me with any of that.
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

PayPal has permanently limited my account. 

No one will tell me why or what violation led to this. 


" " We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. '' ''
Consumer complaint received 2021-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC  is pursuing a debt that is past the statute of limitations. The debt is over 4 years old and is no longer supposed to be pursued. I recently asked a credit score company XXXX to get the debt off of my credit report and it was not accepted by Portfolio Recovery Associates LLC.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have regularly been mobile depositing checks into my account for XXXX years, and on XX/XX/XXXX I did a mobile deposit of a Cashier 's check for {$300.00}. The amount was held for 10 days for " confidential information '' that the check might not be paid. This hold resulted in a returned item fee for my student loan payment that was coming out. The next month, on XX/XX/XXXX, I made a mobile deposit of {$160.00}, that was also held for 10 days. This time the student loan payment came out the charged a returned item fee. When the student loan company attempted a second try at the payment, BOA paid the item, and charged an additional {$35.00} fee. And then, on XX/XX/XXXX, they charged an extended overdrawn charge, for holding the funds in my account. I called multiple times to ask for the hold to be removed and provided proof that the check that I deposited into the account had already cleared, but they were unwilling to refund the fees. During one of the calls XXXX, from Texas, said that when the hold was released and if the deposited item did not get returned that they would refund the fees that resulted. This morning, XX/XX/XXXX, I called when the hold was released and they refused to refund any fees. They acknowledged that XXXX said she would refund the fees, but said that she was wrong to say that and the fees would stay on the account. Essentially, Bank of America held good funds from my account to charge me {$100.00} in overdraft fees.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (NY)

I received a debit card and pin number for an account from SunTrust bank that I never requested. I called to report it and they told me I had to visit a local branch to file the complaint. The closest branch is more than 1000 miles away. After much insistence they told me they would report it and I would get a letter in 30 days. To my knowledge no bank should be allowed to open an account without the verification of some sort that the person opening the account actually wanted the account. This is a complete failure of this banking institutions to perform it's due diligence which impacts me the consumer and not the banking institution. This must be stopped. In the mean time they can not tell me anything about how this account got opened, if there was any activity on it. If it has been reported to the credit bureaus or anything because they are not permitted to share with me any of the information they have about me.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MO)

On XX/XX/19 I went to Macy 's at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX ) to purchase a coat. There was a promotion going on where you if you signed up for the Macy 's Credit Card you would get 20 % off. The coat was listed at {$340.00} and had a sale going on but I was happy to get an additional discount on a large purchase and I have a high ( over 800 ) credit score with a good income so I have never been denied for a credit card. The sales associate ran my information, pinged my credit ( I was informed of this by my credit card and credit monitoring services ), and told me I was denied and would receive a letter in the mail telling me why. I spend {$140.00} on the coat ( after the sales discount but with no 20 % for the new credit card ) and had to place it on my personal credit card. I got a letter in the mail dated XX/XX/19 from Macy 's at XXXX XXXX  XXXX, XXXX, OH XXXX indicating that I was approved for a credit card and needed to call to finish the process. When I called today XX/XX/19 to inquire about why I was denied I was told that I wasn't denied despite what I had been told in store and despite not getting the 20 % off my purchase. I asked that my application be canceled and to speak to a manager to ensure that the application was canceled and to lodge a complaint against them for pinging my credit to deny then approve me with no compensation. I was placed on hold then a CS rep came back to tell me that the hold would be indefinite as there were no managers available. I still am not sure if the credit card application has been canceled and I am very concerned about stores handling credit card applications this way. If I am denied tell me why, if I am approved give me the discount. Don't ping my credit the tell me I'm both denied and approved but refuse to give me the discount.
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

I received a notice from Professional credit services that a medical bill has been sent to them. I do not even know what is happening as XXXX was taking automatic payments out of my debit card. 

Has this been reported to the credit bureau? If so please give me proof of this debt- I am dis tubing this debt.
Consumer complaint received 2019-12-03
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. (NC)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine
Consumer complaint received 2019-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

I was sent {$1000.00} from my attorney using Cash App. I never heard of it and used it first time. This app collects way too much information than needed. Worst thing - it's only mobile. Not at all easy or good compared to XXXX or XXXX. Moreover there is absolutely no human being available to deal with. It keeps on redirecting to phone or email but there is no human being. There is a phone # XXXX but no human being there also. 

This app is pretending to work with person to person money transfer without each other knowing each other 's account number etc ... So it ask the recipient to provide Debit card # with all the details - expiration date, zip code etc ... 

But even after that - there is no idea where the money is went? 

And there is no human being hired by this cheap folks in XXXX from this company called Square.
Consumer complaint received 2017-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (MA)

The caller from " Financial Recovery Services " called and without disclosing began asking my name, address, social security number, indicating that this was a financial matter and that this line is being recorded. I did not pursue the call any further following this introduction. 
I subsequently looked up the Consumer Finance protection ( this service ), and was advised my rights, i.e., requiring of a written notice, and an chance to not discuss any further without a written notice. The caller was quite aggressive and did not allow me the chance to have a business like discussion of this matter. The telephone number for the caller 's office is : XXXX, and I believe the organization is located in XXXX, XXXX 
Thank you so very much for your guidance. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (IL)

My debt was paid in full in XXXX and account was closed as I XXXX after left for the military. Since then I have been XXXX, XXXX XXXX and various states. Since XXXX I have not received any bill, letter or statement. I am not being called asking for XXXX dollars which I do not owe or ever received any bill. The credit company since had threaten to take away my father vehicle and continue to ask for payments and have failed to assist in sending a any bill. I do not owe any money to this comapny and they are treating of serving me to take me to court is their anything I can do?
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC. (TX)

When a third partys error has caused my account to go negative, Prosperity Bank resists disputing the charges, then the bank refuses to refund any negative balance fees that were not due to bank error ( instead, they ask YOU, the customer, to do the legwork and call and argue with the company/request that the company refund negative balance fees ). After escalating the issue, they have now agreed to refund two of the four. But that is not good enough. If its not my error, its not my responsibility to pay the fees. This has now happened twice in two months. I have also been told to take responsibility for actions that are not even mine ( fraudulent charges ). Customer service is deplorable.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Well when we opened the account my ex put a check in my account and since that day which was XXXX XXXX my account says that it 's going to be closed and it 's restricted now. I did n't give him permission to do anything to mine and our daughters account. So now their trying to close it.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I was at XXXX XXXX checking out and the clerk offered to give me a discount on my purchase if I opened a *store* card. I asked her to confirm that it was a store rewards card ( rather than a credit card ) and she did. She filled out the application for me ( asking me for my details ) and submitted it. I completed the checkout with no additional payment required, since she told me the opening bonus would cover the entire balance. 

I later checked my credit report with XXXX, and saw that they had opened a store credit card ( XX/XX/XXXX according to XXXX ) with Synchrony Bank and the amount that I had spent at the store was listed as past due ( the amount that should've been covered by the reward in the first place ). Since I had not knowingly opened a card, I was unaware that it existed up until this point, and obviously could not have paid the balance, nor did they contact me to make me aware of the late balance before reporting it to the credit bureaus. 

I contacted their customer service early in 2021 when I discovered the issue, and they referred me to their fraud department. The fraud department assured me that the balance would be zeroed and the account would be removed from my credit report. They instead closed the account and left it on my report showing paid and closed ( but previously past-due in XX/XX/XXXX ). I contacted them several times in the ensuing XXXX months and they repeatedly assured me that it will be taken care of, but to date it has not. It has been several months since my last attempt to resolve the issue.
Consumer complaint received 2021-11-27
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. (NY)

I the consumer original creditor never gave XXXX or any other credit reporting agencies written or verbal permission to have a credit report on me. I want all negative remarks and accounts removed. I requested on several occasions to remove XXXX XXXX XXXX from my credit report due to fraud and violating the FCRA and FDCPA. I never gave them written or verbal permission to give any of my information to any credit reporting agency and I want them removed my credit report and all hard inquiries. I AM SEEKING MONETARY VALUE FOR DAMAGES.