davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened an account with citibank - specifically checking and savings account under a promotion which they were running, The terms of the bonus was to open a citibank account package between XX/XX/18 - XX/XX/2018 and within 30 days deposit {$15000.00} to new checking or savings account and maintain the balance for 60 days - Get {$400.00} deposited to your account. 

I opened the account package on XX/XX/2018 and funded my savings and checking account with {$100.00} and {$15000.00} respectively on XX/XX/2018. It has been over 90 days since I satisfied the conditions of the offer and I am yet to receive the bonus. I did chat with the customer service twice and I was given different information both the times. Once I was told it is not 60 days and it is 60 business days. The offer does not says 60 business days and it is clearly 60 days. The other time I was just told to wait. 

It appears Citi is just giving a run around for their customers and not honoring their promotion. I have all evidence that I satisfied all terms of the offer. I would like to get my bonus ASAP
Consumer complaint received 2024-02-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (CA)

Card Prepaid ; Card.com literally stole money out of my bank checking account. This happened in XXXX of XXXX  and I called when I noticed they took {$47.00} out of my account and told them I didnt approve of that. So they told me theyll refund the money back. I check bank statements and see that no money was ever returned. I call again and I speak to XXXX. I speak XXXX every time I call, and she tries to tell me the same exact thing she did the day before call your bank and tell them to send us your account number because we cant send the money back without that info I call my bank they say no we dont do that, I call card.com AGAIN and this time she says okay send an email. Well refund you we just need that info first. XXXX going crazy theyre scamming me and idk what to do. I even said okay just send me another card with {$47.00} on it and Ill use that atleast Ill get my money someway, she says no they cant do that
Consumer complaint received 2024-02-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (ND)

In short, American Express closed my savings account with {$150.00} in funds I was able to recover {$50.00} that was sent from my XXXXXXXX XXXX account. I also had {$90.00} I sent from my XXXX XXXX  account but XXXX will not recall funds nor do they have the option to for transactions that arent fraudulent. So in my case Amex wont issue a check for some reason to the address on file & XXXX quite literally cant do anything. My money cant just sit there thats theft at that point they have no system in place to get me my funds. Both accounts in which I sent money from My XXXX XXXX  and XXXX  checking accounts are in my name XXXX XXXX XXXX. So Im not sure how they came to the conclusion that someone else opened my account and transferred funds from accounts in my name totaling a mere {$150.00}. This info is shown in the photo Ive attached below from American Express.
Consumer complaint received 2024-03-22
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
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: Resurgent Capital Services L.P. (GA)

LVNV Funding and XXXX continues to report information they know is incorrect. LVNV Funding was transferred the contract which does not give them full rights furthermore the contract is the security that is being sued in this credit arrangement which entitles me to equitable relief since it is traded for profit. LVNV Funding cnnpt produce the ORIGINAL contract or collateral security because they are not entitled to any of it's profits and holding the security without a meeting of the minds violated my contracting right in commerce. Is LVNV Funding forcing performance? LVNV Funding is selling this alleged information to XXXX and they are reporting the information to damage my consumer report. All of this is done for profit which makes their investigation biased as they have monetary gain.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.
Consumer complaint received 2024-02-03
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

A face serum was ordered on the Merchant 's website on XX/XX/23, upon receipt of the item I used it, and found it to be ineffective and not as described by the Merchant. I contacted the Merchant and requested a refund. They asked for receipts, etc. I sent them the requested documents. The Merchant requested more redundant information on several emails, and after delaying the time frame for a refund, by continued requests, they said they could not process the return. They offered me to purchase more of their products at a discount. I said I did not want any more of their products, they can't be trusted. Then they stopped communication. I contacted the credit card company, on XX/XX/23, they ran me through a series of questions, continuous downloads to the website for " proof '' and then denied the claim, basically treating me like a liar. They refused to acknowledge all the evidence I sent them and said they would not charge back the amount to the Merchant. Any other credit card company, I have dealt with in the past, has always recognized the consumer and honored the dispute submitted above the Merchant, when the required proof was submitted. This Company is CAPITAL ONE. The representatives were very argumentative, rude and continued to deny the dispute on different grounds. I sent several submissions and uploads of documents, and spoke to them by phone, up until XX/XX/23. I showed them the false representation of the Merchant. They only repeated the same thing over and over, that I received the product. The point was NOT that I received it, but that it was NOT THE PRODUCT THAT WAS ADVERTISTED. They refused to acknowledge this or cooperate with me and denied my dispute and request for refund. I no longer use this credit card for ANYTHING. They do not support the Consumer or their customers.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AP)

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

I filed a complaint about this company XXXX and nothing was done about it. Their actions, fraudulant or not are the reasons why many students are in debt and unable to repay their loans because they do not provide solutions. I'm currently struggling to pay rent and other utilities while this company despite the number of complaints persists. It is amazing how this company is allowed to service federal loans and not offering solutions to resolve issues. I believe this loan taken out by my daughter, not me as I am a XXXX is a total sham maniupulated by XXXX College out in XXXX XXXX added to which my daughter left the school for health related issues long before her sophmore year began. These people do not cooperate and are not helpful in anyway or manner. They do not provide hard copy evidence or proof of the loan or supply you with physical hard copy mailings because they don't want to spend the money and purposely withhold information so they can keep the interest rates high to the point you'd have to starve yourself so they can get richer. It is a complete disgrace that they are allowed to service people who can not afford their unreasonable demands and have damaged my credit score because of it. I will not tolerate this any longer and I will file a second complaint.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Nelnet have taken over XXXX months period to my deferment, at this point interest been accrued over 200 % as it been XXXX months WITHOUT ANY progress done by Nelnet. Payment processing taking over 5 days to complete yet interest accrued EVERYDAY. Have called them MULTIPLE time to address this issue regarding my application for SAVE plan and IDR processing time without any adequate respond. Why am I bother paying taxes for these kind of service.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WA)

On XX/XX/XXXX, I went to the LexisNexis XXXX XXXX website ( XXXX XXXX XXXX ) where I completed the " Online Request Form '' to receive a copy of my credit report. Approximately ten days later, I received a letter from LexisNexis refusing to provide a copy of the report ( Consumer Number : XXXX, Case XXXX XXXX ). The company claimed it was unable to process my request and cited three reasons/possible reason for their inability to process my request. When I completed the company 's online request form, I provided ALL information required to complete the request. 
On XX/XX/XXXX, once again, I tried to obtain a copy of my credit report ; however, this time I telephoned the company. The automated machine cut me off and said the information I entered was incomplete as I tried to answer the question it posed. After several tries and several times of returning the call once the machine concluded the telephone call, I again resorted to the company 's online request form. Once again, I completed the online form which included providing my social security number, date of birth, drivers ' license number, and my street address. Today, XX/XX/XXXX, I received yet another letter from the company claiming it is unable to process my request ( Consumer Number XXXX, Case Number XXXX ). As with the XX/XX/XXXX denial, the company again denied my request while claiming several possible reasons for its inability to process the request but failing to identify the SPECIFIC reason for the denial. Given the exact information that I provided based on the information identified in the company 's online request form, without a SPECIFIC reason for the company 's alleged inability to " process request, '' I can not provide the information the company allegedly needs to provide the report. As a result, I am continually denied access to the report.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have invested in XXXX XXXX through Coinbase and have been trying to withdraw the rest of my money for a month and cant. They keep telling me that the problem is with the crypto as opposed to coinbase, but does not offer a solution. They just say there is a problem and dont know when its going to be fixed. This should be ilegal. I just want to take my losses and be done with coinbase, but they cant help me.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX  has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX 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
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

On XX/XX/XXXX, I had recieved a letter from XXXX XXXX XXXX, for an account with Citizens Bank. We had XXXX camera equipment through Citizens. The letter was a settlement to pay off the account and close it, for the amount of XXXX. I took the deal, and was under the impression it was settled then closed. On XX/XX/XXXX, I recieved a letter from XXXX XXXX XXXX, stating I owe XXXX for an account with Citizens Bank. I have the bank statement showing the amount was paid on XX/XX/XXXX.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (MD)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX  XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX Theft report number. XXXX
Consumer complaint received 2024-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (MO)

XXXX calls on behalf of XXXX XXXX. I have an auto loan with them, it is due the XXXX of each month they will autonatically start calling on the XXXX and call me multiple times a day sometimes back to back.. upwards of XXXX times a day and even calling me well after XXXX. In the span of a week they call well over XXXX times. They call from different numbers or use software to discuss numbers
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Department XXXX EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Reporting of Student Loan Transfer Dear Department of Justice , I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the inaccurate reporting of my student loan transfer from the Department of EducationXXXX XXXX XXXX for Public Service Loan Forgiveness ( PSLF ). This matter has resulted in significant harm to my financial standing, as it is preventing me from attaining a mortgage due to the duplicated reporting on all three credit bureaus. 

My student loan account, with the reference number [ XXXX ], was transferred to XXXX in accordance with the PSLF program. However, despite this transfer, both the Department of Education and XXXX have failed to update the reporting on my credit file, leading to the duplication of the outstanding amount of {$68000.00}. This discrepancy has had a severe impact on my creditworthiness and is impeding my ability to secure a mortgage for the home that my great great grandfather built with his own hands. 

I have made multiple attempts to rectify this issue by contacting both the Department of Education and XXXX, even XXXX, but regrettably, my concerns have not been addressed, and the inaccurate reporting persists. This situation is not only causing financial harm but also hindering my ability to pursue the benefits rightfully granted through the PSLF program.

I kindly request an immediate and thorough investigation into this matter, along with the prompt correction of the inaccurate reporting on all three credit bureaus. Additionally, I seek assurance that measures will be taken to prevent such errors from occurring in the future, ensuring that borrowers are not unfairly burdened by the consequences of inaccurate credit reporting. 

I appreciate your prompt attention to this matter and expect a timely resolution to prevent further damage to my credit and financial well-being. Please provide confirmation of the actions taken to address this issue at your earliest convenience. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-22
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. (FL)

I recently obtained a copy of my consumer credit report and was concerned to discover two instances of late payments on an account for which I have never been late. As you know, the accuracy of consumer credit reports is crucial for individuals ' financial well-being, and any inaccuracies can have significant consequences. 

The account in question is under the name : XXXX XXXXXXXX with the account number : XXXX. I want to emphasize that I have a spotless record of timely payments for this account, and the reported late payments are entirely inaccurate. 

Therefore, I am formally requesting a thorough investigation into these discrepancies. I expect your agency to provide proof, in the form of statements or documentation, showing that these payments were indeed late. If such evidence can not be provided, I demand that these late payments be promptly corrected to reflect the accurate status of on-time payments. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

Thank you for your cooperation and understanding.