davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WA)

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. But I still haven't received any useful documents from US Bank yet besides some promotional mails. 

I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side related to their mailing system.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

Got an alert from XXXX that a company Carter-Young Inc XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX ) XXXX Placed an item ( subrogated medical bill account # XXXX ) on my credit report dropping my credit score. However, I had no knowledge of this bill until I did my research- this said the bill is supposed to be sent to a law firm and be dealt with by an insurance agency for the individual who caused my accident and was in the wrong. 
Quite obviously Carter-Young Inc didn't due their due diligence, nor did the hospital who had reached out to me early in the cause of the or event of the accident wherein I articulated to them and did their groundwork in getting all bills over to the law firm who in turn have did get back to them to sort matters out. 
However, it seems as if the hospital doesn't want to wait to get paid and sold my information to Carter-Young Inc who in turn has harassed me with numerous calls. 
Furthermore, upon seeing the report via XXXX I reported it under they in turn revoked it and still have it on my credit report. I would like for this to be resolved by Carter Young and XXXX XXXX XXXX- the original creditor.
Consumer complaint received 2016-07-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

I am a Wells Fargo bank customer for the last 16 years. On XXXX XXXX 2016 I used the SurePay program to send money to my XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}. According to the website ( XXXX ) an email is sent to the recipient, they confirm the bank account and then the money is sent to this person. I did this but XXXX never received an email. Apparently since we had do this 2 years previously the money went straight to a previous joint account she had and was no longer on this account. ( It was a joint account with XXXX 's ex-husband XXXX ) Again no email or text was sent to XXXX verifying the correct recipient as the website indicates will happen. 
I filed my 1st complaint on XXXX XXXX 2016. 10 days later it was denied. I filed 2nd complaint and XXXX filed complaints as well. All denied. I involve the XXXX branch manger XXXX. Also denied. This violates the XXXX XXXX XXXX Wells Fargo publishes. ( XXXX ) At this point {$400.00} has gone to XXXX and he is not going to give it back. ( I asked ) The problem is that Wells Fargo did not follow their own published process which would have avoided this error. 
A XXXX issue is this is a clear AML ( Anti-Money Laundering ) issue. Their system allows and facilitates the flow of funds to recipients not listed in the request. The criminal element is likely exploiting this flaw already.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

There is a discrepancy on my credit report that I have been disputing for a while ; from XXXX XXXX XXXX XXXX ( d/b/a XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, d/b/a XX/XX/XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The reported debt is neither private nor federal student loan, rather an institutional loan granted by the college for which I have written notification ( dated XX/XX/XXXX ) from the XXXX XXXX, Vice President of Student Affairs, stating the balance was forgiven and XXXX  out. 

Despite such documentation, the school continues to negatively report on two of the three credit reporting bureaus, adding {$89.00} to the balance each month, causing it to reflect a current past due balance of {$9600.00} as of XX/XX/XXXX. 

I have supplied the supporting documentation to XX/XX/XXXX and Equifax and tried to dispute the account so that it can be removed from my report ; however I have been unsuccessful. 

I am reaching out for you assistance in getting this collection removed from my credit reports.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

My client I work for asked me to answer a call from XXXX to verify her Venmo! I trusted her and answered the call, the man had me on the phone over an hour and had me do a fake transfer to my clients venmo, meanwhile asked me to download an app that I assume give him complete access to all my apps on my cell phone! He withdrew {$1200.00} and left me with {$74.00} to my name! I knew something wasnt right the whole time but I trusted my client and assumed this was a legit call! My I opened a fraud case with my bank and they assured me theyd get my money back to me! Well they denied my claim! Id never give a stranger that kind of money or any kind of money! Im a single mom and now I cant even afford my bills! Not to mention the XXXX thats set in due to being so harshly scammed!
Consumer complaint received 2020-11-10
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. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. ()

We went into Forbearance XX/XX/XXXX due to Covid after the first six months I contacted the mortgage company requesting additional forbearance it was pending still as XX/XX/XXXX I contacted the mortgage company XX/XX/XXXX to make the payment to come out of forbearance. I was told I need to make a payment of {$26000.00} and since my second for Forbearance was never granted. We we giving no such notice nor did we received any notice to state that.and I was told I had to pay that money upfront and nothing was put on the back end of the mortgage. Ive now tried to make two additional mortgage payments the past two months and the {$26000.00} has not been deducted from my account. I am currently trying to refinance my home and this is stoping it
Consumer complaint received 2019-10-09
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. (FL)

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX Reported : XX/XX/2019 - {$780.00} Closed XXXX XXXX Reported : XX/XX/XXXX XX/XX/2019 - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-15
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. (PA)

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, XXXX and Experian. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Consumer complaint received 2023-03-16
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: Kikoff Inc. (ME)

I previuosly requested a late payment be removed from my credit report that occurred during covid. On XXXX XXXX, I received an email from XXXX XXXX who did not identify herself in the email and stated that they were not removing the late payment. After receiving the email, I checked my credit report and notice 2 accounts with KIK OFF lending. I found that both accounts reported late payments in XXXX and XXXXXXXX XXXX XXXX. This is where I get confused because I don't recall having two different accounts with KIK OFF. My main complaint here is the second account that is opened and the two late payments that occurred during Covid 19 which is a natural disaster and late payments from my understanding were not to be reported during this time. I am requesting that KIK OFF lending provide proof of late payments and ownership of both accounts. These two late payments have been damaging to my credit and character as a consumer.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

On multiple occasions I have requested a credit line increase with Citi Bank on my credit card ( I only have one ) on dates : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 Each request I was declined for a different reason, and all were in accurate reasons. 
1 ) At this time we are unable to approve this request because theres a late or missing payment on another Citi credit card account.

( I only have one credit card ) 2 ) At this time, we're unable to approve this request because your current income and/or monthly mortgage/rent payment information was not provided. ( Citi automatically collects income since it was previously entered, and I have no mortgage payment ) 3 ) We're unable to approve this request because a review of your account ( s ) shows there's been a bankruptcy and/or charge-off on one of your credit cards with us or one of our partners. We did not obtain information from a credit reporting agency in making this decision. ( There is no bankruptcy or charge off with any Credit card I own ) I have called Citi twice about this. The first representative said that she will file a complaint so that this can be investigated and I never heard anything back. The second time I called, the represent
ative said there is no way to dispute this, nor do they have any credit analyst/specialist who review the request.

This goes against The Federal Equal Credit Opportunity Act. I have never missed a payment on any line of credit that I have. I have no mortgage, and I have good credit and income. I want to be evaluated fairly.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (VA)

Ive been a victim of identity theft and someone who stolen my identity apply for a XXXX account for the amount of {$2100.00} that account is fraud I never apply for that cellular company, the action that was taken was go tot the police department and file a identity theft report and a federal trade commission report.
Consumer complaint received 2020-11-10
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. (TX)

I applied for a credit card from XX/XX/XXXX XXXX last week but it showed application failed to submit. In this week I found that there is a hard inquiry made by this company. I tried to contact this bank but no one answers.
Consumer complaint received 2022-12-14
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-14
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious uncooperativeness. I'm including the items which still remain on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-23
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: CITIBANK, N.A. (NY)

I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been working with wells fargo since XX/XX/XXXX regarding my mortgage and my sicuation wells fargo did nothing but toy around with me and waste time buy time by lie and until XX/XX/XXXX they sold my loan to XXXX they are not good refuse to send me statement stopping me to work on my loan and get help from other organization I asked wells fargo for mortgage forgiveness because do to my health issues I will never be able to work currently I am waiting for my benefit to go through. 
wells fargo did not care and did n't look into my situarion. 
I do n't want to become home less if its happens its purely wells fargos fault this loan was a Wachovia loan with been bought by wells fago and currently owned by wells fargo I was cheated and person and the invester who got this garbage are made tun if money and walk free and I am stuck with this loan XXXX is not good they are very slopy and not help
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MI)

I have never been presented with any affidavit that would provide validity to this assessment, and its my understanding and belief that no such paperwork exists. Every account noted has failed to provide complete accounting of charges from records of all accounts. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Experian have failed to delete even though the alleged creditors have failed. 15 usc 1692g HARD INQUIRES EXPERIAN XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX, XXXXRemoval date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2019-06-27
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: Experian Information Solutions Inc. (IL)

I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES