davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have spoke with different reps at Equifax in the month o f "  XX/XX/XXXX '' and given different confirmation numbers along with documentation in the mail stating the y have removed a incorrect address that I have never lived at which is "  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX  ''. This address keeps appearing on my credit report when Equifax states the address has been removed. I pulled my credit file today   XXXX - XXXX -2017  and address is still listed on my report. I have no credit history linked to that address. Equifax is the only  Bureau t hat lists this incorrect address.  <P/> Confirmation numbers advising address was removed are  XXXX   XXXX   XXXX   XXXX  PLEASE REMOVE ADDRESS I NEVER LIVED THEIR.  <P/>  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC (WI)

Im currently selling my home and in the process of buying a new one through contingency. The buyers of our current home we are selling are going through DAS acquisition company/USA Mortgage as their lender. Our first closing date was XX/XX/2020 and now here we are 4 different closing dates later and the lender is still having problems. It started off as 5 days before closing, then 3 days before closing, and now 14 hours before closing. I have personally tried calling them and was told someone else would call me back and still havent heard anything, the title company hasnt heard from them and neither has my agent. I want some answers and compensation! This is ridiculous and very very unprofessional. I would not deal with this company if I were a realtor!!! Im currently renting the new house to make sure the owner doesnt sell it which is $ XXXX a month PLUS my regular bills at our current house which is also $ XXXX. My husband is the only person that works in our house because I stay home with our child and this is getting to be way to much on our family. This company is horrible, it needs to be shut down!
Consumer complaint received 2017-09-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX/XXXX/XXXX I opened a Money Market Account with promotion code : XXXX. 

This promotion is for a {$200.00} bonus for opening my first Money Market account with Capital One and depositing at least {$10000.00} or more by XXXX/XXXX/XXXX. 

I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. 

Account Opening Date : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX This is my first Money Market account with Capital One. The terms of this promotion are outlined clearly and I have met all the requirements.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.
Consumer complaint received 2024-10-18
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. (NY)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (OH)

Under the accounts named " XXXX, '' and " First Progress '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named First Progress has inconsistencies and errors. XXXX has incomplete information under the account information. The term of the account is missing. Also XXXX is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX 's information doesn't give a term. Also, the account number is missing completely in my XXXX report. Under XXXX the last payment made is inconsistent with the information XXXX gave. My date of last payment is XXXX XXXX, XXXX while XXXX says that my last payment date was XXXX XXXX, XXXX. Also, XXXX has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While XXXX says it was charged off in XX/XX/XXXX. However, XXXX says it was actually charged off in XX/XX/XXXX. XXXX says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. XXXX listed the date the account was reported was XXXX XXXX, XXXX. XXXX and XXXX both says that the term was 8 months. However, XXXX says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

Thank you, XXXX
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (TX)

This company which is Check N Go has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is XXXX. They were the ones that refer me to FTC.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy
Consumer complaint received 2021-02-12
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)

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have over 84 inquires from car companies all over the united states. I advised all 3 credit reporting bureaus that there is no way I asked for all these attempted accounts. The items have still not been removed from my credit reports and I submitted letters asking them to be removed or I would come to the CFPB.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (AL)

I was in the process of refinancing my home, when the banker noticed that I had charges of a Credit Card from XXXX Compass Bank in the amount of {$8000.00}. 
I had a business checking account with XXXX Compass Bank, but I closed it in approximately 15 years ago. I don't remember receiving a card, but I know I did not make any purchases using a card from XXXX Compass bank and I never received a statement from XXXX Compass about any purchases or an outstanding balance. 
I have received many banks soliciting that I do get a credit card from them or that I was preapproved. I am not sure if XXXX Compass was one of the bankers who sent me a preapproved line of credit. Normally if I received a preapproved credit card, I just shred them without reading the details. 
Unfortunately, I had to file for bankruptcy 10 years ago and XXXX Compass was not on the list, neither was it flagged by the Bankruptcy Court, so this all seems like someone opened an account in my name or it may have gone to another address and someone used it. 

XXXX XXXX
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I was asked to verify again in XXXX and provided them with a passport photo which was accepted and got the account unrestricted but then a few months later i received an email telling me my account would be restricted again as my account was under review, a process that they said would take a few days. I dont mind having my buy and sell capabilities suspended but i cant even send my assets to a different exchange. They ignore my emails, customer support requests and tweets and it seems like my money is gone forever, they have taken it with no route to get it back. Coinbase are doing this to many people and its unacceptable
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX  # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : 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 I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (GA)

Incorrect address XXXX XXXX XXXX TER XXXX XXXX, FL XXXX, incorrect address X CANCEL XXXX XXXXXXXX XXXX, UNKNOWN FRAUD ACCOUNT XXXX XXXX XX/XX/XXXX, UNKNOWN EMPLOYERXXXX, UNKNOWN FRAUD ACCOUNT- XXXX XXXX XXXX  XXXX XX/XX/XXXX, UNKNOWN FRAUD INQUIRY XXXXXXXX XXXX  XX/XX/XXXX, UNKNOWN FRAUD INQUIRY XXXX  INSTALLMENT XXXX XXXX, XXXX
Consumer complaint received 2021-02-12
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)

I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXX Ct, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mar Joe Enterprises (TN)

In XXXX of 2019 trump signed a bill that certain things be left out or credit profile. Another thing is failing to identify who holds the debt, they are three on one report. I have asked that my medical bills be verified and one the Veteran Affairs is responsible for. I request that the three I identified account be removed at once. On one report I chit them in a lie and they removed the address from the report and its back on there. XXXX  removed it from my report before the address was changed. Im so stressed over this XXXX.
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

To whom it may concern ; I do some banking with US Bank in XXXX XXXXXXXX XXXX. I usually use it to pay some bills online. Today I went online to discover that my checking account had {$700.00} in it that I had not deposited. I then saw that there was a monthly maintenance fee which is always put on and then waived that same day. I really do n't know why they bother since it 's not a real charge. I noticed that this " fake '' charge had put my checking account {$1.00} in the red. I then saw that the {$700.00} had been taken from my XXXX XXXX credit card as a credit charge against my card. This was termed " overdraft protection from card ending in XXXX ''. This was NEVER authorized by me, nor was I informed about it. Also, I had already deposited {$100.00} on XX/XX/XXXX and this {$700.00} was n't posted until XX/XX/XXXX, over two weeks after the 'on paper only overdraft ' had been posted on XX/XX/XXXX. I feel that not only is invoking overdraft for a 'technical ' charge unfair but the amount is absurdly excessive. I also had more than enough in my savings account with them if the felt they had to cover it. I called their branch office to tell them to take the charge off of my account and was told only the manager had authority to do this. I am very upset about this business practice. I was never told when I was encouraged to sign up for overdraft protection that they would do this to me. On a personal note I am dealing with a serious health crises which will put me in the hospital for several days this week. This is the last thing I need to deal with. I do n't want this to happen to me or anyone else again. 

Thank you for your attention to this matter, XXXX XXXX ( XXXX ) ( XXXX ) XXXX
Consumer complaint received 2024-10-18
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. (MI)

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts on my credit reports with Experian and XXXX. I do not recognize these accounts, and they are the result of identity theft. The details are as follows : Experian FICO Credit Report : Auto Loan Accounts : XXXX : Opened XX/XX/XXXX ( Account Number : XXXX XXXX XXXX XXXX : Opened XXXX XXXX, XXXX ( Account Number : XXXX ) Collections : XXXX, XXXX : Opened XX/XX/XXXX ( Account Number : XXXX ) XXXX, XXXX : Opened XX/XX/XXXX ( Account Number : XXXX ) XXXX XXXX XXXX : Opened XX/XX/XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX ( Account Number : XXXX ). 
OFFICE OF THE ATTY GEN opened XX/XX/XXXX Account Number ( XXXX ). 

I demand the removal of these fraudulent items from both my Experian and credit reports and that all collection activities related to them cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that XXXX block the information resulting from identity theft within four business days of receiving this complaint.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KS)

Citibank- I have two savings accounts with Citibank . One savings had {$26000.00} and the other savings account had just over {$500.00}. 
Today I tried to sign onto my online banking and it said there was a problem and I could not view my accounts. I called customer service 4 times ( total of over an hour ) before I finally got to someone who was able to tell me that my accounts had been closed. They would not give me a reason and told me that I would be sent a letter and a check would follow with my funds. 
I have done research on this specific situation and it looks like it has been months as some people still havent received their money. 
This money was my savings to purchase a house in the next month or so. How can they just close my account, cut off all access to my fund and tell me this can take 30-60 days to resolve. 
This savings account was a deposit only account, no negative activity and no account information was incorrect. NO REASON FOR THEM TO CLOSE IT. The funds deposited were strictly from my salary. This is unacceptable and I would like a reason and my funds in my hand ASAP. I have been working towards a goal to purchase a home for two years and this has now XXXX  me!
Consumer complaint received 2021-02-11
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. (GA)

There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX