davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

I have a Barclay 's Aviator Mastercard. I have always paid on time until the last 4 months when on 2 occasions my checks were delayed in the mail for 1 month either by the Post Office or on Barclay 's end. I have documentation from my bank that I have paid in full ( minus Barclay 's late penalties and fees ) for everything from XXXX until the present. In XXXX I made a wire transfer from my bank to Barclays on XX/XX/2020 because I received a call from Barclays that they had not received my check in the mail. At the same time I stopped payment on the check which had not arrived by XX/XX/2020. I have documentation from my bank and online at my Barclays credit card account that the wire transfer was received and the check was cancelled on the same day. Later on XX/XX/XXXX the lost check arrived at Barclays and they applied it to my account ... because the check had a stop payment on it, the check was returned and Barclays reversed the payment. BUT, Barclays never credited me for the wire transfer of over {$4000.00}. I have tried 4 times to contact the company, once a representative hung up on me. Barclays has my money, I have proof, and they will not give me credit. I have paid on time for several years until this trouble with the mail over the past few months.If you make a list of what my balances are since XX/XX/2020 and my payments, you will see that I have paid in full but still retain a balance for the wire transfer and late fees.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have been charged over {$800.00} of overdraft fees. I never enrolled in overdraft protection! I disenrolled and for some reason I am enrolled again. We are in a pandemic and they shouldnt abuse people the way they have been abusing me. Every time my account goes negative I made sure it was positive but I have been charged {$37.00} about more than 25 times and I feel like that is excessive
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

My name is XXXX XXXX. I opened my first BB & T account on XXXX the XXXX. I have been with XXXX XXXX XXXX XXXX for 15 years and wanted a back that I can use face to face. After depositing {$8000.00}. I had to use XXXX in the app to send my family member {$1000.00}. Once I tried to send the money, BB & T froze my account and will not tell me the reason or provide me a time frame of their investigation. I was laid off and that money was something keeping me afloat. I need that money for housing, food and bills. Could someone help me. XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis is attempting to collect an unverifiable and canceled debt. This is for medical services provided by XXXX founder and partner XXXX XXXX. Rash Curtis refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXX and XXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX Rash Curtis has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX XXXX stated that he would be the individual responsible for deciding if a bill went to collections. 

The XXXX is no longer valid for the practice and they have no information about the debt. Rash Curtis has refused to get current verification.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (MA)

BBVA has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. BBVA has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from BBVA ; 2 ) loan payoff guarantee for {$48000.00} from BBVA ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with BBVA through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, BBVA has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

Gemini XXXX XXXX has still not let me withdraw any of my funds due to an identity verification. 
I sent in all my documents weeks ago on XXXX and still have not gotten verified. I can not withdraw any of my coins and can not withdraw to a separate crypto wallet. They are essentially holding my money hostage.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

opened new account with 5/3 bank on XXXX XX/XX/XXXXXXXX  with XXXX. 

Opened account with promise of {$500.00} bonus if that amount of money is deposited into account. 

Had to take money from another one of my accounts to deposit sum of XXXX into the new 5/3 account. I explained this to bank clerk. 

On advice from bank clerk XXXX XXXX at the XXXX XXXX, FL branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX she told me to write a check for that amount knowing I did not have the funds, but since it was a friday funds would not be taken out of the account until Monday- her words from the account in which I was writing the check from to fund this new account. 

However, 5/3 bank took the funds out that day, causing the check to bounce and charging me fees. XXXX did fix that situation and told me that everything was fine. 

However, I have still not received the {$500.00} bonus. Upon investigation, XXXX said it was because I had that bounced initial funding and which caused my account not to be in " good standing '' and I was disqualified from the bonus. However, I acted upon her advice and instructions. I feel the bank is cheating me out of the bonus on a technicality. The funds did make it and posted on XX/XX/20 and have been there ever since. 
I would like the bonus.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2019 a demand was sent to pay {$2500.00} after a nissan XXXX was taken at the end of a lease. This information is on my credit record and needs to be removed or my attorney has advised me he will file suit against Nissan Motor Acceptance Corporation. The funny thing is the nissan dealer who leased the auto has since sold me 2 more autos and assured me this would be taken care. This will be my last effort with Nissan before suit is filed.
Consumer complaint received 2021-03-13
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: Santander Consumer USA Holdings Inc. (IL)

I submitted a dispute with XXXX about a paid and closed account with Santander Consumer USA. The account was paid in full and closed but was showing as open with no reporting of payment for 60 days. Due to this, I was denied a mortgage. After calling Santander, I was given a paid in full letter and told to dispute the information with the credit bureaus. I complied and submitted the letter from the company, payment confirmation numbers and emails for the total balance in question. The results came back today that Santander certified the wrong information as correct. I called them immediately and they said that was impossible because my account is closed. Also, if I have and submitted documented proof, someone at the credit bureau should have at least looked at it. They clearly did not. If consumers are reporting a creditor for reporting false information ( especially more than once ) why would the bureau automatically take their word and not really investigate it. Ive let it go for years and accepted the results but this is actually costing me opposed its wrong.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (FL)

I have documentation s of the dispute claims i filed from XX/XX/XXXX to XX/XX/XXXX totaling almost {$540.00} Netspend resolved the issue but blocked my account now i may not be able to even receive my economic impact payment or even my direct deposit for my job this is so inconvenient
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- XXXX and Equifax company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXX XXXX loans inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life
Consumer complaint received 2021-03-13
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. (TX)

I have a twin sister who's name is XXXX XXXX XXXX. Our birth dates are the same and social security numbers are 2 digits different. Her negative items reflect on my credit along with her accounts simply because our information is similar. 

When her credit is ran it pulls mine also. Same as when mine is ran it pulls hers. Our credits are linked some how because of the credit bureaus
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC (NC)

Starting in XXXX, I reviewed my credit report and noticed Mariner Finance reporting inaccurate information. I have sent a letter to them on the dates of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. By law, Credit Reporting Agencies and Creditors are to respond within 30 days. I havent received any feedback pertaining to Mariner finance. This is a serious matter due to the fact that the inaccurate reporting is hindering my financial journey.
Consumer complaint received 2021-03-12
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. (GA)

I was so stressed I file Documentation last XXXX but I haven't received any response yet. I want those inaccurate and unknown accounts must be DELETED ASAP or I will file litigation.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2024-08-26
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. (WI)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
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. (PA)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I attempted to transfer the amount of {$2500.00} between XXXXXXXX XXXX and Wells Fargo bank. The funds were withdrawn from XXXX Bank on XX/XX/XXXX. The transaction was declined and marked as " fraud '' on XX/XX/XXXX by Wells Fargo, even after I cleared it with the bank first that it would not be an issue to transfer funds directly between banks. 

On XX/XX/2021, I received an email that the transaction was mistakenly flagged as fraud. In the email, it states that a woman named XXXX XXXX was to be managing my case, but yet there is no direct contact to her listed or any resolution provided. Additionally, she never reached out to me again, which the email also states she would do. 

I then went into the bank in person to file a complaint on XX/XX/XXXX in XXXX, PA because I was moving to Texas and I needed access to the funds immediately -- that is why they were being deposited. Management at Wells Fargo was not knowledgeable or capable of carrying out their function as staff, and they were not able to help me and told me I had to wait up to 5 business days for the funds to be re-deposited. This is my rent money. I waited the 5 days and proceeded to call back multiple times. It is now XX/XX/2021, and I STILL do not have access to my {$2500.00} or a resolution. I have called into the company over XXXX separate occasions and have been hold on the phone for greater than XXXX hours total, speaking with multiple representatives from Wells Fargo ( XXXX and XXXX being two of them ) and nothing has been done. 

It is completely unacceptable after filing multiple formal complaints that we are now going on the third week, and the {$2500.00} is missing from my account. I was promised on I have taken every step as a customer to ensure I get the money that I deposited put into my account. It is my money and I am entitled to it. Wells Fargo is not doing anything to solve this issue, and I will now be seeking legal counsel in addition to filing this complaint with the consumer Financial Protection Bureau
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XXXX, XXXX, XXXX, I sent an Investigation Request Letter to Experian, asking them to re-investigate my dispute against XXXXXXXX XXXX  XXXX Account XXXX, Date Submitted : XX/XX/XXXX, Date opened XX/XX/XXXX, Balance {$1100.00}, Date opened XX/XX/XXXX. Account number XXXX, Balance {$11000.00}, Account number XXXX, Date opened XX/XX/XXXX, Balance {$600.00}, XXXX Open/closed, Closed Date opened XX/XX/XXXX, as you will see, all three accounts are under one account number, as well as opening dates that has expired but company keeps updating from the original open date. 

Also, I call Experian on XX/XX/XXXX to dispute the previous addresses that doesn't belongs to me and the person I was speaking stated to me the addresses that are in dispute will be removed in 24 hours of our phone conversation and they did remove one of the addresses but added two more that was removed back on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX was re-inserted, XXXX XXXX XXXX XXXX, TN XXXX has not been removed and my credit score dropped another XXXX points because of this inaccurate information that is put on my credit report. 

The Credit bureaus all stated, The company that reported the information has certified to Experian that the information is accurate but how is that even possible if the open dates are all inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2021-03-23
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. (PA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I previously submitted complaint ID XXXX regarding fraudulent report freeze/unfreeze practices of Experian. In its response Experian said to go to www.experian.com/freeze to unfreeze ( the unwanted and fraudulant freeze they had imposed on my credit report ). On XX/XX/XXXX ( the date of the company 's response ) I opened that and was redirected to https : //www.experian.com/freeze/center.html where I selected Remove or Lift a Security Freeze, which went to https : //www.experian.com/ncaconline/removefreeze. I filled out the form but when I tried to submit it the web site reported missing previous address. The form had no fields for previous address. This form is a fake. It is designed to look like Experian is willing to lift an unwanted freeze while actually making it impossible without buying their " protection '' service.