davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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. (NY)

I am trying to rent a home for myself and my XXXX children I have sent numerous dispute laters and made numerous calls to the credit bureaus to have them remove negatively affective account on my credit that has not be validated. The negative reporting is hindering me from providing a stable home for myself and my children. Also according to law 15 U.S.C. 1681 et seq., requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (FL)

In reference to account number ending in XXXX. 
I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by Military Star card XX/XX/year>. I was really having some personal issues as I am a victim of fraud and the XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc. (NE)

XXXX has been giving me an extremely hard time, I have already had this account removed from both My XXXX XXXX XXXX reports because the debt couldnt be validated. XXXX has chosen to continue reporting it, even after it shows to be past 7 years. The debtor ( Procollect has been illegally refreshing the debt.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (KY)

I am a victim of identity theft and have found entries on my credit report that i do not recognize and were not authorized by me. I've reached out to the credit bureaus and have gotten no response. I continue to be harassed by creditors.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (WI)

XXXX XXXX XXXX XXXX received and cashed payments for over XXXX years and did not post the payments to the account. instead, they stole my money and placed my account into collections with Capio XXXX deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I received notification from Portfolio Recovery Associates, they claim I owed a debt to XXXX XXXX. I have sent three certified letters and they have signed the return receipts, requesting my signed original contract and proof of their license to do debt collection in Virginia. 

They told me that my request was " frivolous '' and they on their end, have proved " validity '' of the debt. They have not provided me that validity nor the signed original contract or proof of the license to collect in Virginia. 

They have now added a collection to my credit report without any further contact and I believe that is illegal under the XXXX in Virginia. Again, I sent XXXX certified letters requesting the information to validate the debt and not once have they sent the signed original contract or the proof of their license to collect in Virginia.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

The balance of my Citibank account is currently not accurate. I have noticed that when there are pending transactions, they are being deducted from my available balance at the time of the transaction. However, these pending transactions are then deducted again from my subsequent deposits. Despite contacting Citibank and being informed that it would be fixed by the following morning, three days have passed and my account balance is still incorrect. Furthermore, I have observed that pending transactions are being posted a week later than their actual transaction dates.

This is not the first time I have experienced such issues with my Citibank account.
Consumer complaint received 2024-04-20
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Every time I call Citibanks toll free number to check the status of my credit card payments, I encounter problems with the interactive voice response system ( IVR or automated system ). The IVR understands what Im requesting because it responds I understand you want to speak with a customer service agent but then continues to ask unnecessary questions. How many times do I have to keep asking the IVR to transfer to an agent? The specific questions I have are too complex for the IVR to assist. If you dont press the correct prompts in the right order or by a certain allotted time, Citibanks IVR will deliberately disconnect on the consumer. The IVR will say thank you for calling Citibank, good bye. This is egregious. Its inappropriate to disconnect on a consumer. The consumer called for assistance. I have been disconnected by the IVR on innumerable occasions. This is not a one time isolated event. This is a pattern and practice for years.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I called Citibank on XX/XX/year>, and XX/XX/year>, and was told by a supervisor Im unable to create an online banking account to review my credit card statements without my credit card number. I was told my : first name, middle name, last name, address, date of birth, social security number, including two-factor authentication with my email and phone number is not good enough to create an online banking account because it requires my credit card number. This is unfair. I dont keep my credit card on me XXXX. Citibank is prohibiting me from using online banking simply because I dont have my credit card number on me. Now Im forced to call Citibank each time to confirm if my last payment was received, and go through Citibanks horrible automated system. This is an unfair, deceptive, or abusive act or practice. I now regret having a Citibank account. The way Citibank treats its customers is terrible.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX adjustment - {$1100.00} XXXX XXXX  - {$2000.00} XXXX XXXX- {$2100.00} XXXX XXXX  - {$1000.00} Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX  standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (MA)

XX/XX/XXXX {$8000.00} in XXXX was transferred into a new Robinhood account from XXXX. I wanted to experiment with Robinhood as their trading fees were supposedly lower. I was not impressed with the site whatsoever as swapping coins was not an option. I decided to transfer some XXXX coin to a new account outside of Robinhood. Somehow this triggered a fraud response and my accounts were restricted. I have spoken to them twice on XX/XX/XXXX and XX/XX/XXXX. They say they will get back to me in 7-10 days when their review is complete. No logical reason has been given. I have no history of fraud. I am unable to rectify the issue whatsoever as I'm transferred to an agent outside of the XXXX. My money is being held by them and I have no power whatsoever. Please help. This company 's actions should not be permissible.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TN)

I checked my credit karma money spend account today and it was closed. When I called the customer service representative I talked to was very rude and pretty much told me there was nothing they could do. They lied about sending emails. Ive seen that this is happening to a lot people with the same company. And they arent getting their money. Something needs to be done about credit karma they shouldnt be getting away with taking people money.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On or about XX/XX/ I reported to my bank that there is an anuthorized user listed on my account that I am unfamiliar with and never received notice that anyone was added. USAA initially told me they would investigate and respond within a week. When I followed up, they changed their story to much longer. They told me the person added does not have access to my account and USAA will reach out to me with their conclusion. Approximately XX/XX/ I called back with an update for my report. This added party still had access to my account and USAA still did not address my concern. The representative blocked my account preventing anyone else to be added and was not sure why no one took these steps previously. They reassured me that USAA is working on this and I should hear from them any day. Today, XXXX XXXX I called to follow-up since I have not heard from the bank. This unknown person is still on my account! The representative also notified me that they had complete access to my account, which completely contradicts my previous call. She reviewed the account and stated the case is closed and she has no further details for me. She stated no one ever notified me and shes unsure why. I am in total shock that USAA does not have any safety measures in place and allows for strangers to add themselves to your account without any verification or confirmation from the account holder. I feel like they acted foolishly in addressing my concerns and passively dismissed each one. I feel extremely insecure in holding USAA as a bank responsible for my finances.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (FL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXXXXX  and I noticed that this unauthorized inquirieshad been made. 

XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

I opened an account on XX/XX/XXXX and deposited roughly XXXX in my account of checks to set up all my account access. But when the debit card came I tried activating it they said I need to call to verify myself. so i called and they said they needed me to come in to a branch with documents and id. but i was out of country for a while so I couldn't make it to a branch so account stayed closed So when I came back to usa I went into the branch and was told that they shut the account after 30 days and they would try to get the account back open. we verified all my documents and all my ID that they needed, and I still haven't heard back and haven't gotten my XXXX dollars back and have no clue what to do from here
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NC)

I opened an checking account in XX/XX/XXXX with Wells Fargo there was a bonus for new customers of {$100.00} after you met a few requirements which were met within days of opening the account ( have so many deposits of XXXX amount and make XXXX amount of debits with your card ). I was supposed to receive the {$100.00} after 40 days of meeting the requirements. It is XX/XX/XXXX today and I still haven't received anything. I called in XX/XX/XXXX they told me it would be between XX/XX/XXXX and XX/XX/XXXX I called them again on the XX/XX/XXXX they said if I didn't receive it by the XX/XX/XXXX to call back. I called back on XX/XX/XXXX and they never returned my call.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc. (IL)

Today, I am writing this complaint to THE BUREAUS INC regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I currently bank with Randolph Brooks Federal Credit Union for checking, savings, auto payment, and credit card. 
I am currently on leave from work and my primary checking account is overdrawn. Also, I am late on my car payment. 
The issue I am having is with my brother 's Social Security Account. My brother is XXXX XXXX 's, and Social Security has designated me as his Representative Payee for XXXX payments. The Credit Union ongoingly tries to offset my debt with his account. Legally those funds are used solely to pay his expenses and not mine I just oversee rental payments, electricity, cable, phone, food and other necessities. Regarding my brother 's account, The credit is constantly overstepping their boundaries and trying to place my debt along his payee account ( which is illegal ). 
Today, I woke and noticed that the XXXX deducted XXXX from his account and paid my past due auto note. Again, legally these are not my funds. That issue was cleared over the phone. Later on I went the bank and the branch manager refused to release his beneficiary funds to me because based on my accounts being in a past due standing. She stated the collections department was closed and she refused to provide me access to his account. Again, this is technically not a joint account this is a XXXX Account. Anytime I am pass due or overdrawn on my debts, the credit union goes through the collection process on me by not allowing me to withdraw funds until they speak with someone at corporate. Today since i came at closing, via drive thru, I was not provided access to his funds therefore according to SSI they are acting in negligence on behalf of my brother. Also the XXXX has XXXX my bankcard access to my brother 's account. This is always ongoing every time one of my accounts are past due. When I tried to explain, over and over, the branch manger disconnected the connection and did not even allow me to access my account nor did they give me my driver 's license back. About 30 minutes later, I contacted XXXX Police department and filed an information report. Tomorrow, XXXX, I will have to undergo this same treatment when it comes to my brother 's beneficiary account. 

This issue occurred with the Branch Manager at the XXXX location around XXXX on XX/XX/2024
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/23 I updated my phone number and now I am locked out from signing into my bank account online for 14 days, is this legal XXXX, do you have the government regulation right to do this? Several hours with several customer service, changing and changing my password and as no one knew this new policy - My second complaint is I put in my dispute with the bank for a XXXX refund. XXXX picked up everything on XX/XX/23 and today a supervisor in XXXX dispute department stated they have 90 days before even submitting the dispute to XXXX, THIS IS NOT CORRECT OR EVEN LEGAL XXXX, you have 90 days to complete the task period and 5 days later you are still working on what to do. XXXX will only refund the money upon receipt of the dispute and I want it sent immediately {$660.00} dollars I am waiting on and XXXX has the refund confirmation letter, WHAT MORE DO YOU NEED XXXX. This bank has unethical practices and I as soon as all transactions are complete, I am leaving the bank. LOCKING SOMEONE OUT OF THE ONLINE ACCOUNT FOR 14 DAYS IS BS FOR ANY REASON!