davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MN)

In XXXX of XXXX  I was accepted into a property tax deferral program offered by the Mn XXXXXXXX XXXX XXXXXXXX. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and US BANK still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX XXXX on a XXXXXXXX XXXX house. Well, they want me to pay the full amount and this is even after the head of the program contacted US bank. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me 30 rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I have a BestBuy Credit Card - serviced through CITIBANK.

My BestBuy Account was paid in full with XXXX Balance. 
Most recently I began receiving calls and voice messages from a recording stating the call was pertaining to a " balance due '' on my BestBuy Credit Card.

Odd, I did I have not made any purchases, nor have I authorized any purchases.

After attempting to call the CitiBank Credit Card Services for BestBuy, I was informed I could not file a " dispute '' until I spoke with a representative at Best Buy about the charge. 
I called the Corporate Number for BestBuy, after on hold for 94 minutes, without being able to reach a live person. I then called BACK CitiBank Credit Card Services for BestBuy and firmly requested a FRUAD DISPUTE be placed on my account. 
I representative stated that since this charge was made by the " XXXX  '' I was required to " Work it out '' with them directly! Whaaaaaaaaaaaaaat??? 
FRAUD, FRUAD, FRAUD! 
Please assist!
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IN)

StartingXX/XX/2022 discover sent me a request for my tax returns all IDs and XXXX months worth of bank statements from every account that I had and they needed to be notarized. Not only did they send it to me in an email but they also sent it to me to me through the US Post Service. My card was not usable at this time until I would submit all of this information and if I didnt, the card was gon na be closed in 14 days. With that being said, discover, then enlisted, the assistance of XXXX were then inXX/XX/2022 on the XXXX as well XXXX started sending me harassing information that was due by XX/XX/2022, and they were doing this on behalf of discover financial services. At no point in time was I asking for an increase. At no point in time do I feel that discover had the right to enlist the assistance of XXXX and I feel that my personal credit information has been violated by discover when they went in and made this request.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$950.00}
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, XXXX XXXX had a open vendetta against me and my roommate. I contacted the rental office XX/XX/XXXX, I moved out onXXXX and turned key 's in. The secretary said that she could not find a key sheet. I was with three people. She has fined me numerous times after having a small meeting and making agreements. I paid all the fines. I was unable to locate Ms. XXXX, it appeared we were being avoided. Me and two other people were there when I turned the key 's in because of the problems the rental office was having with being negative to me and other residents.. I took pictures of everything and how I left the apartment. I received and bill for this situation in XXXX. I contacted the rental office, they continue to dodge me. I saw her and I showed my pictures and told her there must be a mistake. She showed me pictures and said that was not my apartment. I had 3 people witness this. She will not accept proof. I did not own that stuff, and I had over 4 people with me during the process. I speaking XXXX XXXX, she was the debt collector for the case. I disputed the collections and showed them the pictures. She contacted me back told me that the rental office was not going to accept, they had there own pictures. That is not my apartment nor my belonging I had numerous people with me at the time I took the pictures as I was moving out. I sent pictures more than once. They refuse to accept my proof of the fact that is not my apartment in the pictures. I have shown pictures of problems with is apartment. They would not fix it or painted over top of the problem. I stayed on communication with them to the point I had no other recourse. I have to pay something because of a landlord who dis like me. They are making hard inquiry 's on my credit report causing problems, I can not moving in to anywhere because this marking on my credit. 

Account XXXX XXXX Move in XX/XX/XXXX - Move out XX/XX/XXXX. 
XXXX XXXX XXXX XXXX FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( toll free ) XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, Phone # not available. Office have multiple changes often.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

The accounts are not mine. I am a victim of an identity theft. REMOVE ASAP!
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX  ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX  ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and LexisNexis has certified the bankruptcies filed were confirmed as being accurate. XXXX the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying LexisNexis the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX  sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating LexisNexis has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information LexisNexis, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. LexisNexis had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my LexisNexis file, and the bankruptcies were removed I provided a letter from LexisNexis dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and XXXX ) verifying information with LexisNexis the furnisher of information that doesn't exist according to LexisNexis. Unless each CRA can provide to me a copy of their investigation via LexisNexis, that will show a valid and confirmed investigation report with LexisNexis confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or LexisNexis is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and LexisNexis. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

XX/XX/21 I was cold called by an agency XXXX XXXX XXXX XXXX XXXX XXXX stating that they were in charge of a delinquent bank ( Fifth Third ) account I once had. They mentioned the bank branch by name and they had my social security number, along with an old and current address I had. The amount they originally wanted was about {$1300.00}, and had been reduced to {$710.00}. After making the payment and receiving the emails theyd mentioned I would receive XXXX a settlement letter with case number and receipt for payment ) I decided to call the company to ensure all was well. The call answer had an automated response that seemed fishy. To my dismay, XXXX searches indicated the company was a fake.
Consumer complaint received 2021-07-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (FL)

Im XXXX, I purchased a XXXX vehicle that was stolen the insurance paid it off, also the gap insurance cover for the debt. Contacted XXXX several times and no response they said that I owed money even though I receive letters from XXXX credit and my insurance XXXX specifying it was paid off, they sold the so called debt to Credit Corp solutions all my information without my permission or authorization, they send out a post card on XX/XX/XXXX, I called them several times and they never answer my phone call, I just received a letter that i am being sued by them. How is this legit im retired and XXXX men, they got the money paid off, and now they trying to ruin my credit and my life.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

In XXXX of XXXX, I was lied to about internet service speed received from XXXX XXXX XXXX. Was told that they had the fastest internet speed in the area, but was not true. TV service stayed in buffer mode 95 % of time. Called to cancel service within 30 days and was advised that they do not have a customer guarantee program, but due to false advertisement of their internet speed in my area ( which interfered with my ability to watch TV free and clear of buffering ), I would only have to pay {$90.00} of the bill and they would credit off the rest due to the poor service received. I paid {$90.00} on-line. A few months later, derogatory information appeared on my credit report and I was contacted by a collection agency. I disputed and provided payment information and my credit report was corrected immediately. Now, 2 years later, XXXX XXXX XXXX has hired another Collections company to come after me. I disputed again and the results came back that the debt is valid. I also called XXXXXXXX XXXX XXXX regarding this and was advised that they would get back with me in 7 to 10 days. I am still waiting. The agent advised ( when I called to question the collection activity ) that they do have record of the {$90.00} payment I made with the transaction number. At this point, I am getting the run around and being harassed by XXXX XXXX XXXX about a debt I do not owe.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BOA refuses to disburse funds from my deceased XXXX  account. As executor I have sent in the requested documents twice by fax, once by mail, and twice in person. I have been attempting to handle this since XX/XX/2021 to no avail. I have all documentation proving they have not disbursed the funds despite receiving the info they have requested.
Consumer complaint received 2021-07-02
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. (VA)

I reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I have XXXX separate {$100.00} amex gift cards. I have tried to use them multiple times but they are declined every time. I reached out to customer service and they were not helpful. I would like to bypass the gift card somehow and just receive a check if possible. The gift cards seem like less of a gift and more like a cruel punishment.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We have been defrauded by this unethical immoral company. Their malicious actions has devastated XXXX economically and emotionally. They do not present nor operate in the ethical manner they present themselves. They need to be shut down and cancelled and bid from operating for their inhumane treatment. They have created all sorts chaos and instability for my household which has lead to my mother currently hospitalization as they have destroyed her retirement income. They do not operate in the likes of a financial institution. A financial institution that upholds its core values should know to mitigate an issue in order to minimize economic impact. Rather this evil company intensified the issue and prevented us from flourishing and now offering a solution that doesnt amount to our losses using XXXX systemic injustice as the basis of the resolution. They need to be dismantled for the pain theyre inflicting upon my household. Bank of America has taken advantage of unfair rulings from the XXXX court systems to defraud us and have prevent us from flourishing economically. The means my mother provided to provide for my household : a property value at {$450000.00} for rental income and a startup online business of which I was saving money for marketing destroyed as I was removed from my position with XXXX XXXX and relocated several hours away for a position that they claimed I didnt meet qualifications. However, they went ahead to apologize for their mistake and offered an alternative position and when I reached out to the recruiter for details of the new position she acted as if she wasnt aware of the new positions offering and proceeded to tell me theyre not moving forward with any positions. This evil company along with their evil employees has destroyed our lives & has made it difficult for me to obtain employment due to my civil filings as several employers referring to my numerous filings. I now have XXXX toddler boys XXXX on the way and the means my mother put in place to provide for my family and her retirement the bank has destroyed and here we are struggling with the high cost of living and housing whereas we had a plan place to mitigate the issues we are now facing. Theres no reason we should be renting and struggling whereas we had a great economic growth plan in place. Please help, please help me bring this issue to light. Civil injustices are just as important as criminal injustices. This evil bank needs to be cancelled for their malicious actions and using XXXX court injustices to destroy our lives and avoid accountability for their actions. The court system ignored important evidence ( voicemail messages ) and contrived evidence to benefit the bank whereas the XXXX used the same evidence and ruled on my behalf which this immoral unethical bank has taken advantage of to defraud and prevented us from flourishing.
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am writing this due to non-compliance with the XXXX, Experian and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

Synchrony bank closed my Amazon store card on XXXX per " management '' because of two failed payments. I was able to locate one payment that failed ( bank error ) but not the first one. When I requested this information over the phone the representative told me " It's not our problem, your account is closed. '' and immediately hung up on me after I waited 40 minutes on hold. I have made consistent, on-time, payments to Synchrony. Sometimes real life happens and mistakes happen. But according to Synchrony, that's unacceptable. Now as a result I am going to take a credit hit due to the " Closed by grantor ''. Thank you Synchrony. If my credit file is negatively impacted, I will be closing all of my accounts with this fraudulent bank. I also received NO warning that my account was being closed.
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

I went through the XXXX XXXX XXXX XXXX, financed through CitizensOne, using the retailed XXXX, and I was supposed to receive this item on Thursday, XX/XX/XXXX. I did not receive the items or an email explaining what was happening from CitizensOne, XXXX, or XXXX. 

I then checked my credit limit with CitizensOnes. It went from {$1900.00} available to {$2500.00} available on the 1st. I emailed several times to see what was happening and if XXXX cancelled me order. Again no answer. Now my line of credit took a hard inquiry for this and I can not cancel because XXXX XXXX XXXX  will only do returns. CitizensOne wont cancel because they see no order. 

I am not the only one encountering these issues. See XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX I have received no communication from CitizensOne despite multiple attempts to contact them. I have received not a single update from CitizensOne since the order was placed on XX/XX/XXXX. The Estimated Arrives By date for my order still states XX/XX/2021. Every service I attempt to contact points me to a different service saying they can not assist, and I am incredibly frustrated with all of it. CitizensOne placed a hard inquiry on my credit report that has proven to do nothing for me as I was not even given the product that the hard inquiry was for.