davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TX)

XXXX XXXX ( ) said that there are no upfront fees for the service they provide. They are paid by receiving a portion of the reduced settlements they negotiate on your behalf. I recently cancelled by account with them, because I didn't feel like they were actually getting results. Upon cancellation they informed me that I would receive the funds in my deposit account in 14 business days. I spoke with them on XX/XX/2022. I have yet to receive my funds as of XX/XX/2022 and when I checked my account with their partner Global Holdings LLC ( XXXX ) There is a small amount of the money that was being deposited with them left in my account. They claimed to have made a payment to one of my creditors ( XXXX XXXX XXXX ) on XX/XX/2022. According to my most recent credit report dated XX/XX/2022, there have been no payments made to XXXX XXXX XXXX. Some other payments are showing to a creditor ( XXXX XXXX XXXX ) that I do not recognize.
Consumer complaint received 2021-09-18
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. (PA)

Equifax displays false information regarding my name, address and employer. I have contacted them multiple times, disputed the information multiple times and they refuse to update them. My credit Card company has even tried contacting them and they refuse to update. 
I have sent them W2 's Paystubs all proven my legal name address and other information and they claim its false. THey're in direct violation of the fair credit reporting act and they dont care. 

They claim my W2- is not accurate... So The IRS my job SSm XXXX, XXXX XXXX XXXX XXXX, XXXX are all wrong but they ; re correct. 

THey're screwing with my life... with an inaccurate report, I cant get a first-time home owners loan. 

The only information they will use to update is based on creditors...
Consumer complaint received 2018-12-05
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. (FL)

My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in XX/XX/2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I applied for a home refinance with Wells Fargo and received my Loan Estimate on XX/XX/2020. I had a phone conversation about the details with the loan officer and it was communicated that my credit score was low which impacted my interest rate. I understand this and the affects of the credit score on interest rates. I asked for a copy of the credit report that was used to determine the rate associated with the offer of extension of credit. I was told that I am not able to get a copy of the report that the lender used. I was verbally told the 3 credit scores used by the lender but did not get anything in writing. Again when I requested over the phone I was told no. From my understanding, section 609 Disclosures to Consumer - 609 ( g ) the lender is required to disclose the credit scores upon request along with factors affecting that score. In addition subsection 609 ( g ) ( 1 ) ( D ) requires the " Notice to Home Loan Applicant '' which was not part of my initial disclosure package. I am uncertain if this notice is required at the point of application or anytime prior to loan closing. I would like to understand if Wells Fargo is permitted to refuse to provide the consumer credit report used to determine a credit decision upon request from the consumer.
Consumer complaint received 2018-12-05
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. (NJ)

To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS  TO BE REMOVED XXXX XXXX  XXXX Transunion Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX  - no balance, credit limit is showing as {$3000.00}, account partially listed - XXXX, dates opened XX/XX/XXXX and last reported XX/XX/XXXX.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened this account with Suntrust in XX/XX/2021, with the banker XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. Since that date has been impossible to enroll in online banking, first with Suntrust and now I received the new visa debit card Truist. I tried to enroll on the new online banking page and is the same issue. 
I put the debit card number, my pin, zip code and email address. Also I tried to reach the bank by ustomer service, I was verified with the pin but that is not enough for them and they are unable to send me a SMS code to the number registered with the bank XXXX XXXX XXXX A long time ago the bank gave me the security word and even that is not possible to enroll.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

I have been struggling for over a decade to get affordable payment options for my student loan. 4 years ago I was set up on a payment plan to repay my loan. It would prevent my account from going into default, lower my interest rate and make my payments much more affordable. I signed up in a couple years went by. I get phone calls I need to reapply for this loan payment plan, It was quite a hassle to get them to put me on the same program again and involve lots of threats on their end but they finally put me back onto a payment plan. They never told me there was a time limit on this program so I dont know how long it lasts for and they never sent me a form of the contract besides one document that says theyre taking the money out that they said once a month. Apparently the plan expired in XX/XX/XXXX I have not re-signed up for a plan because they are no longer offering it to me and I am looking at getting a lawyer to deal with them because all the promises that they made have not shown up on my credit. My loan went into default even though I was on the program and now only a few months after this repayment plan expired my loan was sent to a collect Agency. To my understanding they should not have sent my loan to collections in such a short period of time after a payment as it is less than 270 days. Name of the collection agency is XXXX XXXX XXXX XXXX in XXXX Florida
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted to dispute inaccurate information on my credit file with TransUnion. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. Each time I sent a dispute to TransUnion I have asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Furthermore, it has been well over 30 day since TransUnion has provide the results of the investigation. TransUnion 's total disregard for federal law has taken a toll on my life regarding my finical wellbeing and access to improve my credit worthiness.
Consumer complaint received 2018-12-05
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. (AL)

XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

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. Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16661 B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (FL)

On XX/XX/2021 we requested to close our Banco Popular Puerto Rico savings account. Was informed that it would take 5-10 days to receive the funds. Have made contact with them on a weekly basis and have been informed that we would be receiving the check shortly. To date, we have not received anything from them. I have documentation from the bank of when the request was done and information they requested from me.
Consumer complaint received 2023-04-10
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. (CA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-04
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)

I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my Equifax reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my credit report.
Consumer complaint received 2021-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2021 I applied for Home Equity Line of credit with PNC Bank on the banks website. I called on XXXX XXXX for a status update and was told that everything was received but it can take up to 60 days. Today is XX/XX/2021 and no updates. I did receive a call from a manger stating that the loan officer that was working on my application is no longer processing my request. Its been 78 days since my initial loan request. No where in PNC website does it state that HELOC are taking 60 days or longer to process. If I was provided with that information, I would went with a different financial institution. Today I was told because of Hurrricane IDA that the banks is waiting for another property preview. It shouldnt take over 2 months for a HELOC loan decision. Thats unacceptable and unfair. I have submitted all the stipulation right away. The last stipulation was a recent paystub which they requested because so much of time passed after I submitted that stipulation. Every time I called the bank says we are just waiting for underwriter review of the second property report. The storm came 2 months after a submitted the application.
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (MI)

We paid a debt for medical services and provided a receipt and bank statement proof that it was paid. They called threatening to send our debt to collections several times despite us asking to only communicate by certified mail. We then paid the debt a second time, due to the threats. Now, we are being harassed by a collection agency with calls and mail asking for the debt. When asked, the original creditor would not contact the collection agency to retrieve the file.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (IL)

I received a prepaid debit card for a purchase I made from XXXX XXXX. The card is from XXXX and seems to be issued by XXXX ( in conjunction with Blackhawk Network ).

The card was misplaced and when I found it, it had expired about two months previous. When I tried to activate the card, it said it was expired, so I'm trying to get a new card. The card may be expired,  but the funds are not ( as it clearly says on their website ). I am unable to log onto the website to request a card, and their automated voice system also declines any attempt to access it. 

I would like a new card. This is the agreement on their website : XXXX XXXX XXXX   Specifically this section : Post-Expiration Card Issuance Fee The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. For specific card issuance fees please see log in or see below.
Consumer complaint received 2021-09-18
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. (TX)

My credit report for XXXX and Equifax has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted XXXX to find out why my report went down and could not get an answer from them
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I filed a dispute back in XX/XX/XXXX with Experian for reporting inaccurate information on my credit report. I was denied credit due to them. XXXX  and XXXX  are accurate. Then, XX/XX/XXXX, Experian comes back and say they will not remove or change the information as their reporting agency determined it to be accurate. The information in question is showing an open ch XXXX BK filed in XXXX. That was discharged in XX/XX/XXXX. It is now XXXX and they still can not report correctly. I also had an issue several months ago when I put a fraud alert on my account. Experian some how changed my phone number to one I used about 5 years ago which was not active and was causing issues trying to get a car. I am putting them on notice they have violated my Rights and will be seeking legal damages and legal fees when this goes to court. I tried to get a XXXX XXXX, XXXX Visa and XXXX XXXX XXXX and was denied because Experian was reporting an open BK when it was not open.
Consumer complaint received 2018-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditor ( GA XXXX XXXX XXXX XXXX XXXX ) ... grave errorfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..