davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (SC)

My dates are as close as possible if not correct. I didn't realize this was going to happen over trying to close an account. 

I realized XXXX XXXX that the savings account wasn't free as I had been told. There is a minimum balance requirement that I specifically asked about. I was told there wasn't any requirements as I had A Citi card and a Citi Invest account also. 

So the fee came out XX/XX/XXXX and I called and they reversed it XX/XX/XXXX and told me it was closed Then a transfer took place to move the remaining money to my brokerage account. 
XX/XX/XXXX I am charged another fee on the account that should have been closed. I panicked and sent XXXX dollars on XX/XX/XXXX when I realized it because I don't need derogatory marks of any sort. Called again. Money transferred account closed, fee refunded yet again. 

Now XX/XX/XXXX same fee charged on the same account that should be closed. I call again. They refund the fee and assure me the account is now set to be closed. 

XX/XX/XXXX Fee again. Account still not closed. Finally called tonight XX/XX/XXXX before the next one hits. I spoke to XXXX agents. The first one was very hard to understand but I love talking to customer service people, so I'm a fun guy. I even hate that it would get to this point. A strange letter arrived XX/XX/XXXX dated much earlier that I will enclose. 

So, fee refunded again and account will be closed. I ask how can I be assured after what I have been through so far. Not that I don't trust him, but it was the exact same conversation each time, given the script it makes sense. He told me it turns out it can't be closed and he doesn't know why. " Is there anything else? '' Yes. How do I follow up on this after it doesn't work. No disrespect to you, you seem cool, but, you know? " I'm sorry sir is there anything else I can help you with? '' I said Yes sir, there is. I still need to know what to do if or when this doesn't work. He said " Oh. OK, I understand '' and Hung up on me.

I called back to see if there was any way for me to file a complaint about the agent I spoke to previously and explained what had happened. " I'm sorry sir, What do you want me to do? ". I want you to tell me if there is a way and if so what is the way to file a complaint about an employee who was rude and hung up for no reason. He said ( very rudely ) " Sir, Is there something I can help you with tonight? I don't understand your problem. I said I don't have a problem, per se, I just want to know if they keep track of who I have talked to and if I can file a report on that agent. " I do not understand what you want me to do. '' I have to be completely honest here. I don't ever mistreat CS employees. I've been in that position. Anyway, I pretty much lost my mind and yelled at that point. If you can't understand clearly spoken, native, college educated, non accented American English why do you have this job? this is why I can't get my account closed. With some words I won't type here and hung up because I've had enough.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (FL)

I have not been able to access my Coinbase wallet. The error message states : " We're having connection issues/ We are looking into it right now. Please try again later. Your funds are safe '' This has been going on for XXXX days now. The " go back '' button is not clickable. I have a significant amount there. There's no way to speak or contact anybody from the company. The online form spits you out and the phone message directs you to the online form. XXXX XXXX I guess... Please help!
Consumer complaint received 2024-10-03
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. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have recently been working on my credit, when I got an alert from Credit monitoring service that I had an account with a company I had never heard of and a XXXX  account that I have never had. 

XXXX XXXX XXXX OPEN DATE : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

Received a notification of attempt to collect debt for XXXX. This is the third collection company on this debt. It keeps being deemed uncollectable and resold. This is not my debt. It does not belong to me. I received the letter on XX/XX/XXXX. I sent notification to them on XX/XX/XXXX that it is not my debt. 

I have received followup debt collection letters on this but not any information on it. It is now reporting with the credit reporting agencies, yet, they have not provided the required information for the debt. Nevada requires 60 days, i think, before reporting after the notification is sent. That time has not gone by.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (CA)

This complaint relates to Complaint No. XXXX filed against XXXX and XXXX XXXX Fire Department on XX/XX/XXXX. This collection agency is attempting to collect an amount that was already paid and the remaining amount is also being paid by my insurance. I was never responsible for this payment. My insurance called them and let them know that I am not responsible for the balance and insurance was reprocessing the claim to get the second check sent. We waited on hold for over an hour to get someone on the line and they refused to assist. At the time we had them on the line, I wasnt aware that they are collecting the entire amount and not including the insurances first payment that was provided to me and I paid already back in early XX/XX/XXXX. This is so unethical to have a patient with serious medical conditions dealing with all of this. This is completely unacceptable.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

So I have an account with Capital One bank and XXXX XXXX I suspect my XXXX XXXX was hacked because I got an alert that said it was being used on a new device, I reviewed my bank statement and discovered from XXXX XXXX XXXX XXXX transactions over XXXX dollars had been taken without my consent, I received multiple emails from capital one warning of fraud on my account yet somehow all of the transactions have gone through. I've contacted both institutions and both have denied my claims and told me no this wasn't fraud when in fact it was.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (NY)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 over 30 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 got into the hands of thewrongperson.|
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$110.00} XXXXXXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX {$4200.00} XXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX  XXXX | XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (VA)

WF CRD SVC Partial Acc # XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX ( XXXX ) XXXX Charge-off doesn't supposed to be on a consumer report. The company owed me a 1099c, for debt to be discharged from my ordinary income tax. Wells Fargo has been using my taxes at the IRS. All of the Title 15 USC 6181 ( a ) ( m ) ( i ) through as being applied. 
XXXX XXXXXXXX XXXX ACT # XXXX XXXX, XXXX XXXX XXXX XXXX, NM. XXXX, The same thing with this company, the use of Charge-off companies is using the same thing on taxes 1099c where I can not be discharged because they are collecting tax. 
( XXXX ) XXXX
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (LA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

There are unauthorized inquiries that are unlawfully being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (GA)

This account was charged off the following date XX/XX/year>. Since then the account been repeatedly charged off every month. This updated in payment history. A charged off account active payment history. This inaccurate information falsely manipulates the statute of limitations investigate this account properly after I asked you to do it twice and your neglect has violates the demanding a deletion of the following account XXXX XXXX XXXX XXXX and account number XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (AZ)

This was not authorized with my permission. I am oblivious to what this is about. Please remove this inquiry off my credit report. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : An explanation of what this alleged account balance is for or when credit credit card was applied for with consent and signatures A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt The Agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (NV)

Fraud and identity theft. Police report and FTC report submitted several times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

XXXX XXXX started foreclosure without notifying us the account was even past due. In XX/XX/2022 we found that there were checks that hadn't been cashed. When I called XXXX XXXX they told me that they did received some of the checks and were in their possession but were not cashed, after that I asked for an investigation and asked them if I could send them a new check for the amount required and put a stop payment on those checks because I did not know what was going to happen with those checks, they told me to wait until the investigation was finished because any check I send during that time will be put on Hold and not be cashed. After about 4 months no results of the investigation were going on ( I was calling monthly for an update ) we went to XXXX XXXX in XXXX and visited the XXXX XXXX ( it was Covid -19 season and they only allowed a limited number of people inside the bank ) there I tried to pay again but the girl in charge of mortgages told me that she could not accept the payment because of the investigation on course but she could contact someone who may help me. Finally by XX/XX/2022, we paid all the passed due and were told it would not affect our credit, and it has. It has been affecting my credit and its still showing " Foreclosure Started '', instead of showing a reinstated. We've always had the money and could even show proof that it was in the account.
Consumer complaint received 2023-10-12
Product: Credit reporting 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. (TX)

I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX