davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My credit account is with Citibank. Account has always been in good standing with no delinquency. I have not used my account recently as it is for emergencies. Citibank closed the account with no notice. This action taken by the bank without my knowledge caused my credit score to drop by 25+ points. When I called to request that they reinstate my account they informed me that they would need to pull a hard credit inquiry further dropping my credit score In order to reopen the account. This bank also has my primary checking account that I have had for 17 years, one feature of the account is a credit tracker in which I can see my current credit score which is now XXXX, down from XXXX. My checking account has not dropped below {$15000.00} in the past 5 months, and the line of credit I am requesting be reinstated is in the amount of {$300.00}. I dont understand why they must pull a hard inquiry and further lower my score in order to undo an action that they performed without my consent. Especially since they can research my credit worthiness by using information they have readily available from my checking account and an additional credit card I hold with the company which is in excellent standing. So to reiterate, What I would like is for Citibank to reopen the account and remove the item from my credit report which caused it to drop by 25+ points and to do so without further damaging my score which I have worked incredibly hard to build.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOANS OR LEASES XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2020-12-18
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: EQUIFAX, INC. (TX)

Since XXXX of 2018. Office of the Attorney General of Texas has reported a incorrect amount about child support and arrears. Since then custody has change hands in my favor. I have custody of the child. I am still paying the other parent but the AG off is till reporting that I am paying late. Been trying for almost 2 years to get this matter back before a judge and still no action has been taken. My credit has been damaged because of this matter and the credit bureaus has not done or addressed the reporting.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (AZ)

Elan Financial Service Account number XXXX Account status Closed Date opened XX/XX/2016 Credit limit {$1000.00} This account does not belong to me and is currently involved in litigation. 
This account is incorrectly placed on my credit report causing harm to me. I have reached out and disputed the accuracies of this account. 
I demand this be removed from my credit report.
Consumer complaint received 2020-12-18
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 deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. Thank you! I also noticed some inquiries that do not belong to me.
Consumer complaint received 2020-12-17
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. (NY)

I'm tired and very frustrated of disputing the same two incorrect Addresses listed on my credit report. I've sent numerous disputes removing these inaccurate/incorrect addresses which have been removed previously only for it to be put back on my report. I need EQUIFAX  TO STOP reporting false/fraudulent and incorrect information to my credit file. This is my final attempt to reach their dispute/complaint department requesting to make corrections and remove them. I just submitted my last and final dispute request via their online dispute portal with CONFIRMATION NUMBER : XXXX. If this issue is not resolved via this complain I will move forward with litigation with the district court for negligence on their duty to reasonably investigate disputed incorrect information. I've attached my ID for verification of current address and identity
Consumer complaint received 2020-12-17
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: BARCLAYS BANK DELAWARE (GA)

I entered into a DMP with XXXX XXXX  in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now Barclays XXXX last 4 numbers reported me late without notifying me. I got reported late for under XXXX dollars. I paid XXXX XXXX which then turns around and pays Barclays. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after Barclays excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.
Consumer complaint received 2023-06-09
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-12-07
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. (TN)

On XX/XX/XXXX I testedXX/XX/XXXX At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately XX/XX/XXXX email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in XX/XX/XXXX reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to XX/XX/XXXX I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect 4021 of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.
Consumer complaint received 2020-12-17
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: BARCLAYS BANK DELAWARE (CA)

My wife and I have been XXXX XXXX members for over 30 years and in XX/XX/XXXX we were on our annual vacation at a XXXX XXXX timeshare XXXX XXXX location. During our visit we attended a NO obligation tour to get for additional points. XXXX XXXX provided false information about the additional points and pressured us to buy XXXX additional points. At this time I was XXXX years old. Mr. XXXX told us, we have 7 days to change our mind with no penalty. The very next day we went to the office to cancel the additional XXXX points. We were told XXXX was not available and he was the only person who could help us. We left the resort, returned home and immediately called, sent an email and a certified letter including the two Barclays cards stating we did not want the additional points ( please see attached ). The cards had NEVER been used and we never received a bill, nor phone call from Barclays. On XX/XX/XXXX we received a letter form a collection agency. After several attempts to resolve this matter we were forced to hire an attorney. On XX/XX/XXXX we agreed to surrender and XXXX XXXX agreed to take back our XXXX points. In addition to the XXXX they took back all of the points and weekly rentals we had accumulated over 30 years!! XXXX XXXX is reporting this account with a XXXX balance, however Barclay 's is reporting we have a balance of over XXXX and it is in a charge off status. I am now XXXX years old, I have lost all of my vacation time, and have lost thousands of dollars in attorney 's fee 's and now an in jeopardy of loosing my home to foreclosure effective XX/XX/XXXX. For three weeks I have been trying to resolve this with Barclays. I have sent documentation to both Barclays and XXXX XXXX and have had no success. I don't not want loose my home. Please help.
Consumer complaint received 2020-12-05
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)

I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (NY)

This horrible bank closed my accounts when I told them I have a disability which caused me to not remember calling them To report I dont have my card when my mom was using it with my permission Im on medication now for this medical condition I have but they still chose to close everything they dont want me As a customer anymore its very sad after years of being with them this is the first time this has happened
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Towards the end of XX/XX/2020 I tried to transfer money from my relia card to my bank account and for some reason the transfer did not go through and I was contacted by text message to verify my identity through a picture document and a selfie which I supplied. I was told my money would be released in about 5 Days it is going on about 6 weeks and numerous phone calls to no avail I really need my money and cant get it.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AZ)

I am a victim of someone claiming to be me and started service with the power company at a completely different address, I was never informed of this other account until I got a final bill after the other address had already had the power shut off and bill never paid. And it was a completely different account number. Then I had to file the police report and fight to prove my innocents. I finally get the case closed and found that I was a victim of FRAUD, Identity theft. Only to now find it on my credit report for up tp 8 years Unacceptable ... After this is taken care of I need to know whom I contact for a lawsuit regarding punitive damages, harassment etc? thank you..
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

Bankruptcy in 2014. Reaffirmed both the mortgage and the equity loans. Paid off the mortgage. Made regular payments. Pay regular payments on equity, plus extra principal amounts on regular basis. 
My credit reports do not even acknowledge that the equity account is being paid. They all show an ending date with no further activity and the balance is still showing {$17000.00} owed. 
I called Wells Fargo Home Equity 's main office and talked to the head loan officers twice about correcting this information. They both said the amount owed and payment history can not be corrected because it was in the bankruptcy-. Even tho I am making the payments on time. They said Wells Fargo 's " system '' requires them to show the loan this way and it can't be changed. I told them that this isn't fair to me and that their " system '' sucked and it is affecting my credit score. They both agreed but said Wells Fargo " system '' for reporting bankruptcy information can't be changed. 

This is the stupidest thing I have ever heard of. Can you do anything to make them correct their " system ''? I wonder how many other if their customers have run into this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX Department of Education has failed to place the correct loan status of forbearance on my credit reports with XXXX, Transunion, and XXXX XXXX XXXX XXXXXXXX XXXX has failed to furnish all Promissory Notes and Master Promissory Notes and all Payoffs received on all loans be serviced by XXXXXXXX XXXX XXXX Department of Education.
Consumer complaint received 2020-06-28
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

Hello, I am one the millions of Americans whose credit scores have been negatively affected by the Great Lakes Borrower Services glitch in their student loan reporting after passage of the CARES Act. 

https : XXXX I have always had good credit, and make my regular monthly payments and my credit score took a nosedive and has still not been rectified. 

I thank you for your help in this matter.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft on which a fradulent collection was added to my credit report by XXXX XXXX for {$650.00}. Upon filing an identity theft report and going through the proper authorities, this has since then been removed from XXXX and XXXX  report for almost a year now. Equifax still refuses to remove this information and is single handedly ruining my credit as well as many life opportunies due to my credit. 

Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Because of your refusal to do so, I have filed a report with the CFPB, FTC, and my local XXXX. I expect this issue to be resolved, or I will not hesitate legal action through my attorney general 's office as well as a specialized law firm. 

Please respond and resolve my complaint as soon as possible, thank you.
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (IN)

C

ontacted discover bank to report unauthorized charges. Discover provided provisional credits for charges
.

Weeks later -credits were reversed contacted discover again and was told charges were found to be valid based on my information was attached to the charges I advised them my information was compromised and the card was stolen, they told me nothing can be done. 

Another charge was from XXXX from a previous order I had returned XXXX has issued the refund and later on I found out they recharged me without my authorization. I told discover about this they closed the card and issued me a credit on that witch was reversed and they told me later on XXXX took back their credit because I returned the wrong item?! I said they issued me a refund after the merchandise was returned. Then weeks later with out my authorization made a completely new charge manually entered and recharged the amount they still have the returned merchandise! That is fraud and discover will not fix this.
Consumer complaint received 2020-03-13
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: U.S. BANCORP (CA)

I have called US Bank no less than 6 times regarding a dispute I filed for a charge on my credit card. US Bank says that their supervisors are calling me back, yet they REFUSE to leave a voicemail, and they do not accept incoming calls. I have never once seen a missed call from US Bank, and have no proof that they have EVER returned my call. Additionally, they have incorrectly read evidence regarding my dispute, and are avoiding allowing me to talk to a human being to explain. Additionally, the merchant has provided NO evidence to counter my claims, yet US Bank has ruled against me. It's as if they could not possibly try to service me less. Terrible business practices. 

I purchased tickets through XXXX for XXXX in XXXX XXXX in XXXX of 2019. I selected tickets for DAY 2 on the website, for a SUNDAY, and was charged, but emailed tickets for SATURDAY, the wrong day. Fearing they would sell out, I made the purchase a second time and received the correct tickets for Sunday. I immediately contacted the merchant but they would not help. I disputed the charge with US BANK, and send them an email exchange between myself and the vendor where the vendor ADMITTED that they received 2 ticket orders for SUNDAY, the correct day. Even after the vendor admitted their error, US Bank would not properly process my dispute
Consumer complaint received 2020-12-05
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. (MO)

I have tried several times to get my free credit report from Equifax. Not only this year but last year too. 

I'm thinking it's because of them my credit was compromised and several cards were opened charge up and my account was sent to collections. 

My credit is over 800 with the other companies like XXXX XXXX but with them they are making my life very hard for no reason. 

Why don't you as our rep. kick them out ... .I want a copy of what they are hiding from me.