davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My debit card was lost and money was stolen from my account! I called on a Monday and reported the situation and was told to call back the next day to Escalate it. I called and escalated the situation and was told on Tues that i should receive my credits within 24/48 hours. I called weds and was told that i should check back again the next day ( thurs ). I called on thurs and was told that the 1st person i spoke with on tues Never put in my escalation so the supervisor told me that she was going to escalate it and push my credits through and i should see my credits the next day ( Friday ). I called on Friday and was told i had to submit and written letter and provide proof in order for it to be escalated! I wasted a whole week ( my birthday week ) dealing with this misinformation and still havent received my money back!
Consumer complaint received 2024-03-31
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. (TX)

I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my card report and noticed you are reporting the incorrect balance for multiple accounts on my report. Because XXXX and XXXX are reporting something different. My XXXX XXXX  card balance is {$78.00}. My XXXX balance is {$350.00}. My XXXX balance is {$450.00}. 
Also the collection XXXX was paid now is reporting by another collection agency. This account has been re-aged. XXXX XXXX is also a paid account reporting by a new company and also re-aged. They are reporting late payments as well. And 16 inquiries.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

On XX/XX/XXXX at XXXX my cash app took XXXX $ off of my cash apl card account. I tried contacting them. I wasn't successful at all. 0
Consumer complaint received 2023-10-31
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. (FL)

I appreciate you making an effort to remove and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have three collection or bad debts on my credit, XXXX XXXX and 2 from XXXX XXXX. They are from XXXX and too old to be reporting per Ohios statutes for credit reporting. Besides that, XXXX XXXX sold or got rid of one of the accounts per their own website yet they are still reporting it on my credit. If this CFPB complaint is not successful I will seek other avenues to get these items off my report. 
Besides that I filed bankruptcy in XXXX. It is 8 years old. It was removed from all of my husbands credit reports almost 2 years ago but remains on mine. We filed together. Why am I the only one it is still reflecting on? I understand it can remain for 7-10 years but it has been completely removed from his report, yet still reflects on mine 8 years later. That does not seem like equal or fair credit reporting to me. I want my credit report to accurately reflect information and it does not. I have disputed more than once with the credit bureaus and nothing happens.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Ive never been late on this account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

I was buying a laptop online and she said i need to pay her before she sends it and then I sent {$70.00} to her after that she said she already sent it but didnt give me any tracking number and now shes not responding
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (MO)

On XX/XX/year> I submitted a request to Moneylion regarding why I was not able to access my account. I received an email with a verification link. All documentation was submitted. A generic response said it would take 1 to 2 days to review. 

XX/XX/year> I called to inquire about my verification as it still was not done. I was told my account was closed and my payroll funds dir3ct deposited that day would be returned and additional documentation was requested. I send the same documentation I had provided before. I contacted my employer HR department to determine what my next step was regarding a returned ach if my paycheck. 

XX/XX/year> I received an email stating my account was on hold and I needed additional verification sent. 

XX/XX/year> I called again to find out this time I needed to submit a selfie with my arm showing and the license by my face. I was told it would be that day or the next day and my account would be upheld. I sent the requested info XX/XX/year> I called again because my account was still unaccessible. They said I had a hat on in the picture so I needed to send another one without the hat and the timeline would start over. Another XXXX to XXXX business days. I provided the picture. I called again later in the day to get further clarification on what was going on and was told again the pictures were wrong because the word screenshot was in the file name. This was following a statement by the reprentative that the everything would be resolved tomorrow ( a Saturday ). I asked to speak to a manager because the rep could not provide me the details I wanted to know. Which were : The number directly to the fraud department The policy that states how many days they have to notify me of a hold. 

I spoke to XXXX the manager who offered zero assistance and instructed me to contact their Trust and Safety department listed in the email. He also told me that Saturday was not a business day so it would likely be another week for verification. No resolution was found. 

Further information to include. Three different emails had timelines for resolution. 1 to 2 days, 4 days ans 3 to 5 business days. 

The trust and safety department number listed in the Email provides no option to speak to a representative. XXXX I felt discriminated against as if I was a criminal. I don't even have a debit card to this account to run any other transaction but had yet to change my direct deposit. The only transaction that comes in is my payroll, that has happened twice a month for over a year. 

My entire access to Moneylion was put on hold so if there is suspicious activity how can I even see it to dispute it if I needed to. This cuts into the timeframe of time to dispute. What if I had a loan payment due? I can't even access the account to pay a loan I have with moneylion. 

Twice they told me my account was closed but never returned my paycheck to the originator. Their definition of hold and closed are confusing and being used interchangeable but have different meanings.
Consumer complaint received 2024-03-01
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. (CA)

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. 
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 Account name : has violated my rights. 
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 2024-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Last year I have decided to close my Coinbase account. The option to cash the account wasn't available so I have asked the company to cash in full my account, close it and erase all my personal data. The company refused to cash my account saying that I need to connect my Coinbase account to a XXXX because they will not cash my account via my debit card. I have raised a complaint with Coinbase since there wasn't any way to connect a XXXX account. They have totally disregarded my complaint with the attachment of the same email saying that I need to create and connect a XXXX account. I have then raised the complaint to the XXXX Financial Ombudsman which refused to take this complaint since Coinbase hasn't [ known as CB Payments in the XXXX ] apply for full regulation within the e-money in the XXXX. Again, I want my account to be cash-out within my debit card and then my account to be fully closed and my personal data to be erased from any Coinbase database
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute inaccurate information on my credit report. According to the report provided by " XXXX XXXX XXXX XXXX' on XX/XX/2024, there is an entry from XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX stating that I have an auto loan with them. However, I want to emphasize that I have never had an auto loan with XXXX XXXX XXXX XXXX. 

This entry is inaccurate and is negatively impacting my credit score. I hereby request a thorough investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you promptly verify the accuracy of this information with XXXX XXXX XXXX XXXX and take necessary steps to remove this erroneous entry from my credit report. 

Enclosed with this letter are copies of documents supporting my claim. 

I appreciate your prompt attention to this matter and request that you notify me in response to this particular complaint ( CFPB.GOV ) the results of your investigation. If the investigation confirms the inaccuracy of the reported information, I expect the entry to be removed from my credit report immediately. 

Thank you for your assistance in resolving this issue.
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX Ive ordered Macys gift cards # XXXX {$190.00} e-gift card, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys delivery history,2- 3days ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take 7-10 business days. Than Ive contacted again, I was told wait a few more days. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him Im going to file complaint about Macys, he asked me wait until XXXX XXXX and as accommodation issued {$30.00} Macys XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After 2 months struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).
Consumer complaint received 2024-03-31
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (VA)

I now have Moehla from XXXX. I have never been able to speak to a human. When loan repayment kicked in XX/XX/XXXX, I prepared by submitting my IDR back in XX/XX/XXXX and asked to have my PSLF recertified. I am 7 payments away from full forgiveness and meet the 10 year of federal government service. My ide results which were not provided in XXXX so I did it again in XXXX and was quoted {$930.00}. Now I started with $ XXXX in loans for grad and undergrad and already paid off all my private loans ( my mom paid that ). In school I also paid {$25.00} a month since XXXX until XXXX when repayment begin. With help from my employed Ive paid off over $ XXXX and never paid more than {$600.00} a month. Well, Moehlas statement was {$920.00}. I used savings to pay it in XXXX, fearing I would have a hit to my credit. It was hard. I immediately emailed them and asked for a review. I did not provide the link to my taxes, instead providing my pay stub in which more than $ XXXX is taken out of my check. Moehla the quoted me {$230.00} a month then a week later they said I was in the SAVE plan and that ended up being {$1300.00} - thats completely unreasonable and this is basically like a payday loan place or a loan shark. I cant imagine how any of this is legal. As a former XXXX XXXX and employee of the federal government I am disappointed that this program cripples so many people. We can never plan for a future if our 4-6 year degrees plague us for years to come. I am not opposed to paying until it is forgiven but I want to pay a fair amount.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

i applied for Chase United Club Infinite visa which promised 2 free bags when ticket is purchased using the credit card. but the terms of the offer also stated that the purchase requirement will be waved for 90 days so free bags would be offered to flight purchase with other cards before i apply for the card i used XXXX miles to pay for 1 checked bag round trip. 
when i checked in for the flight i was able to check in 2 free bags as the credit card had promised later when i tried to get my XXXX miles back, since i did not have to pay for the bags, they told me i have to buy the ticket with the credit card i called twice and filed requests online twice but they kept refusing even though i sent them pictures of the stated 90 day waiver.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

A company called Sequium Asset Solutions placed a debt in collections out of nowhere on my credit report, saying I owed over {$4000.00} from a debt with XXXX XXXX XXXX XXXX XXXX XXXX ) that isnt mine. I have never had any account with XXXX XXXX XXXX and this debt is not mine. I disputed the debt with the credit agencies and the collections company, Sequium Asset Solutions, has refused to remove it from my report.
Consumer complaint received 2023-05-22
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I need help! 

I am writing to express my deep concern and frustration regarding my application for XXXX XXXX XXXX XXXX ( XXXX ). I have been diligently paying my student loans to XXXX since graduating from college in XXXX and have dedicated the past 20 years to serving as a public school XXXX for the New York XXXX Department of Education. As such, I believe I clearly meet the requirements for XXXX. 

Unfortunately, I have encountered several confusing interactions with representatives and a complete lack of clarity regarding my application status. Despite submitting my application and providing all required documentation, I have been unable to get a definitive answer regarding my eligibility for forgiveness. I have been continuously directed to apply for consolidations without any explanation for why these additional steps are necessary. 

This lack of communication and transparency is extremely stressful and disheartening. After faithfully fulfilling my commitment to public service and diligently making loan payments for over 20 years, I find it unacceptable that my application remains in limbo without any clear explanation or path to resolution. 

I urge you to review my application and provide a detailed explanation of why my loans are not being forgiven. Additionally, I request that you investigate the communication breakdown I have experienced and ensure that I am connected with a knowledgeable representative who can address my specific concerns and provide clear guidance on next steps. 

According to XXXX website XXXX XXXX XXXX XX/XX/XXXX. I am available to provide any additional information requested and look forward to your prompt and thorough investigation into this matter.