davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ). 

A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX. 

Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account. 

On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day. 

I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check. 

On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021. 

On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service. 

I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.
Consumer complaint received 2019-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (LA)

I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.
Consumer complaint received 2021-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I tried to transfer money from my Citi savings to my external account at XXXX on XX/XX/XXXX. The XXXX account has been on file for years and was the account I originally funded the citi account with. 

I had massive problems logging into Citi 's platform when trying to do this. Couldn't log in on my phone, XXXX, desktop, or laptop. Had to reset password a few times and get security codes. I'm assuming this looked like fraud, but it was me just trying to access my funds. Citi put a hold on my account and I called them. They gave me a total runaround on the phone, saying " someone will look into this and call you back ''. Nobody called me back. I tried to log in today XX/XX/XXXX and now I'm locked out and someone on the phone said my account has been closed and I'll get my money in XXXX days! Unacceptable. That's my money. Nobody will tell me anything. If they want to close the relationship, that's fine. But you don't get to keep the money for XXXX days. Also, nobody would tell me what the status of my credit card account with Citi was. It's just super shady. 

Please help me understand what is going on and help me get MY money.
Consumer complaint received 2022-05-23
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)

Over the past year now, I've made several attempts to dispute the inaccurate Personal Information that's being placed on my credit report by Experian, and nothing has been done, despite the notarized document I sent them back in XX/XX/2021 with my correct personal information and the inaccurate personal information, for which they failed to respond too. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XX/XX/2021, which I'm going to do again here. I requested that only one name, one address, and one phone number should be present on my report, and that any other personal information other than what I put on my notarized letter should be removed immediately, being that it's inaccurate. Simply put, they ignored my dispute and notarized document all together and should be held accountable. So here I am stating that the credit bureau failed to properly investigate and correct the problem. Surely this is grounds for removal, and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2. I've attached documentation to help solidify my claim.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (WI)

Made online purchase on with XXXX XXXX onXXXX XXXX for $ XXXX.Product not received .Attempted contact revealed company out of business. Initiated legitimate dispute with Barclays ( dispute # XXXX ) in late XXXX. To date have received no credit to my account, and no resolution.Several contacts wit Barclays dispute department have met with same unconcerned scripted replies of " still under investigation ''. Contacts advise I can not speak or Email the individual that is actually handling the dispute? Have noticed many social media posts from consumers who have experienced basically the same issues.
Consumer complaint received 2021-11-20
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX
Consumer complaint received 2022-05-23
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: Affirm Holdings, Inc (TX)

In accordance with the fair credit reporting Affirm account number # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-20
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (GA)

after carefully reviewing most recent credit report from Experian, XXXX, & XXXX I noticed iquiries that did not belong to me. After reaching out to creditor, I was advised that they did not have a record on file of me ever applying with credit from their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 
Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Im XXXX 2021 I received a Visa direct credit insurance claim payment on my Merrill edge XXXX account. It was approximately {$8700.00} I think I cant remember I dont have access to the account. I also made a cash deposit for I think {$750.00} that night In my Bank of America account and transferred those funds into my XXXX account at Merrill. These funds were to go towards replacing my car that had been deemed a total loss. I had just received them after a long XXXX week insurance claim. My plan was to get up in the next day or so and take those funds and purchase another car so that I could get back into my work pattern which had been severely hurt without a vehicle. The next day goes by and I logged into my account make America but it said that my XXXX account at Merrill was locked or blocked. I got on the phone with XXXX it took me about a little over an hour to speak with someone who told me that my account was locked because I just changed my address to my address that Im moving to this week and not to worry it will be unlocked the next day so Wednesday goes by and I get up Thursday and I called again and a gentleman tells me it looks like everythings fine its just some lock has not ibeen finalized. On XX/XX/XXXX I call into Merrill and was sent directly to Customer Service and ustomer service and the customer service I said all I needed was to take my identification into a branch and have a Merrill employee verify me since I just change my address. I went over there and the XXXX XXXX told me that I was not verified he got my information so everything should be fine that it was a password reset and finally discovered that my entire account was locked and that they were closing it and it was an unknown amount of time before they were going to hand me my funds. I havent had this account open for a month maybe six weeks. The funds that went into that account were obviously deposited from an insurance company it is the deposit even showed the claim number. My complaint today is the back office employees told the bank the branch employee that its an unknown amount of time before they close out the account so I am held her hostage by Merrill Lynch with money that Ive only had in there a couple up at all of a day and then they lead me all over the place with all these misconceptions of what was going on with my account being just locked or needed to be verified and the whole time theyre closing my account down. I literally spent XXXX hours on the phone and XXXX hours at a branch to find out they stole my money and were gon na get it back whenever they want to. So right now the money that I was using to buy a car this week has left me to rent a car and I cant rent I cant afford a rental car. I had to pay {$700.00} just this week for my rental car. So what I need is a Merrill Lynch to unlock my funds And I need a reimbursement for the rental car since I did not have my funds to go purchase my car
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WV)

On XX/XX/2021 at XXXX I purchased the crypto currency power ledger in the amount of XXXX coins the following day they removed my coins and my money XXXX the XXXX and delisted the XXXX XXXX companys name is Coinbase.. The reference code to the receipt is XXXX they seem to have done this to many people!!
Consumer complaint received 2021-11-20
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent several requests to Equifax Credit Bureau but still no response from them. That means Equifax has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove this account completely from my credit report : XXXX XXXX XXXX - XXXX {$1900.00} Reported : XXXX XXXX, 2021
Consumer complaint received 2023-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-20
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Charge-off : XXXX XXXX XXXX XXXX Balance {$7000.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$5400.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX A XXXX Balance {$2200.00}
Consumer complaint received 2021-11-20
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: SG and Associates (PA)

My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.
Consumer complaint received 2024-02-17
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. (MI)

These companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.