davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (CA)

I have been using the CreditKarma Spend account which also includes a debit card to make POS purchases. I feel that CreditKarma is laundering the money transferred from my bank account by withholding the money transfered for several days after my bank already paid the transfer to their systems. According to my bank, that money should show up the same day or next day in CreditKarma account. Recent example. Initiated transfer of {$25.00} to the CreditKarma Spend account on XX/XX/21. My bank paid that transfer out on XX/XX/21. As of today, XX/XX/21, CreditKarma does not reflect that money is available even though they have been paid for over 5 days. This has happened every time XXXX transfer money. It feels as though they are funneling that money through some other account ( probably collecting interest ) and waiting several days to make it available. this does not seem right in todays fast paced electronic digital world. I am submitting this so perhaps an investigation into CreditKarma 's practices can be started. I am also contacting other agencies including FCC and the FBI. Each time I contact the company regarding this issue, I get no response from their online contact submission but usually the money suddenly appears in my CreditKarma account really fast after complaining. I wonder if I didn't complain how long they would wait to transfer the money? I am sure they are doing this to tens of thousands of their customers and the amount of interest they are illegally gaining through this money laundering scheme is probably in the millions. I am also likely to contact a local news channel to do an investigative report. People need to know about this scam going on.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I HAVE ATTEMPTED TO RESOLVE THIS DEBT WITH CREDIT COLLECTION SERVICES ON XX/XX/XXXX. ON XX/XX/XXXX THEY STATED THAT THEY COULD NOT LOCATE THIS FILE IN THEIR SYSTEM. IF THEY CAN NOT LOCATE THE FILE HOW OR WHY IS THIS ACCOUNT REPORTING ONMY CREDIT? AS I STATED ON XX/XX/XXXX THIS ACCOUNT IS A RESULT OF IDENTITY THEFT AND IT NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. THIS COMPANY CONTINUES TO VIOLATE FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. THIS IS MY LAST ATTEMPT TO FIX THIS ISSUES BEFORE I SUE THIS COMPANY FOR 2X OF THIS ALLEGED DEBT WHICH IS COVERED UNDER THE FCRA AS WELL AS ALL ASSOCIATED LEGAL FEES. I HAVE ATTACHED A COPY OF THIS ACCOUNT STILL REPORTING ON MY CREDIT AS WELL AS THIS COMPANY RESPONSE THAT THEY CAN NOT LOCATE THIS ACCOUNT. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

There are XXXX liens showing on my Equifax report. The federal tax lien has been withdrawn. XXXX and XXXX have removed the Federal Lien as the IRS withdrawal notice requires. Equifax has not. In addition There are XXXX State of Ohio Tax Liens on my Equifax that have not been deleted or updated as far as I can tell. XXXX and XXXX have deleted these liens as requested by the State of Ohio.Equifax has not.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (TX)

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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00}
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (WA)

I was trying to buy a condo and my seller agents email got hacked, and the scammer impersonated that agent through email, then sent me the fraud wire instructions which I sent {$760000.00} to on XX/XX/year> which is a Friday. On Monday, XX/XX/year>, I realized it was a scam and called my banks and the receiving bank to report the fraud.
Consumer complaint received 2022-05-20
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. (TX)

I reported a credit reporting issue to all XXXX credit bureaus regarding XXXX Arkansas reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received XXXX  letters ( XXXX  is attached ) stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and XXXX, and nothing from Equifax. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit reporting companies continue to report incorrect information.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I just logged onto my account with Citi to find a payment was 36 days overdue. Ironically I never missed a payment with any company in years and just received an email about that earlier today. I checked my email to see if I missed a notice but couldn't find any from Citi. I was having a difficult time trying to find a statement on the Citi site and finally started a chat session to find out what's going on. The first person led me to my statements and I saw a {$39.00} fee and asked about it. They said it was because of a missed payment. I say I never got a notice, email or otherwise, it goes back and forth until I realize there was a fee on the XXXX bill as well. When I looked more at the statements I saw two purchases from XXXX AND I DON'T HAVE A XXXX ACCOUNT. I mentioned this to the person and they say they are making notes for another department to waive fees and want to transfer me to them. Someone else comes on and says they tried to waive the fees and was denied. He gave me a number to call and speak to someone about the fees and says he will issue a new card. Then he says he can't issue a new card or the fees won't be reversed. It has been nothing but confusion to this point so I call the number. I try to speak to a person and get a computer-generated message saying " fees can not be waived '' and the call disconnects. Now I admit I've been having trouble seeing since I had XXXX  XXXX for a XXXX XXXX on XXXX XXXX, been back twice for additional XXXX and still can't XXXX   clearly but if I had gotten an email I would have responded and paid my bill. Citi just opened this account 3 months ago and I'm sure they saw that I have never been late on any payments and this situation is going to ruin my good credit. This experience has been horrible. Even when I asked for a copy of the chat they tell me to click on an icon on the top of the chatbox, BUT THE ICON WASN'T THERE. I hate to say they are taking advantage of a senior citizen but they are doing absolutely nothing to resolve the issue, just conflicting information. 
I had to copy and paste it before the chat box was closed. Horrible company for customer service.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denefits LLC (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2021-11-14
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 — Was not notified of investigation status or results
Company: CAVALRY INVESTMENTS, LLC (TX)

I've been in contact with Cavalry Portfolio since XX/XX/XXXX they are located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX they have been reporting on my credit report for an amount of {$430.00} I don't know this company and never done any business with this company I've asked them to provide the following ; -What is the money you say i owe you is for - Explain and show me how you calculated what you say i owe -Provide me with copies of any paperwork that i agreed to pay Cavalry SPV I, LLC said debt -Prove that the statute of limitations has not expired on this account -Show me that you are license to collect debt in my state -Provide me with your license numbers and registered agent or agent service -Provide proof of my signature that i owe you this debt the only response was that they conducted an investigation and found that I owe said debt and sent false statements with my name but with no signature
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MD)

I opened a Citi checking account on XX/XX/2024 with a new checking account opening {$300.00} bonus promo and deposited {$1500.00} to full fill the bonus requirement. 
After a few days, my online account was locked. 
After a few weeks, I received a mail from Citi dated XX/XX/2024 that my account was closed without providing any reason and that the funds will be returned to me within 30-60 days. 

It's now more than 60 days, however I have not received my funds back yet.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2021-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

A debt validation letter was sent to the company LOCKHART MORRIS & MONTGOMERY. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. A follow up debt validation letter was also sent out on XX/XX/XXXX and received on XX/XX/XXXX. As of today, XX/XX/XXXXI have not received the correct information to validate this debt. The company is failing to validate this debt but is still reporting the account on my credit report.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I received an email from Citi that my credit card had been closed due to inactivity. I did not receive prior notice of this event, and was surprised because the expiration date on the card was for the year XXXX. I called Citi to reverse this, and was told that the reversal process would create a " hard '' credit pull on my credit history, and the reversal was not guaranteed, but would be essentially reapplying. I have several concerns : 1. An unexpected loss of a line of credit ( which could be needed in an emergency ). 2. A hit to my credit due to reapplying and a hard credit pull. Also, this is my oldest credit cards, and I know this factor is taken into account in determining my credit score. I worry my score may further drop without this account 's longevity. 3. As there was no prior notification and the expiration date of the card stated out into the future ( XXXX ), I feel there was no reasonable way I could have prevented this card 's closure. I asked what Citi 's policy was on inactivity, and they could only vaguely state it was something " after a few months of inactivity. '' How can I guess what this vague statement means? I believe this may fall under the purview of UDAAP related regulations.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (VA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-11-14
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. (DE)

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX, XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is a written notice to agent and principal that I XXXX XXXX have requested credits for unauthorized transactions that took place on my card. The dispute was received on or around XX/XX/XXXX case number : XXXX, email XXXX, last XXXX of ss XXXX, birthday XX/XX/XXXX, XXXX XXXX still has not given me my provisional credits for the unauthorized transactions am its been more than 10 days since I requested it. They are not following the billing error procedures cfr XXXX and I need that money. I demand credits for those transactions, I want relief for damages and financial injury an I am alleging the following things : XXXX dollars for damages should be paid to me because of the breach of warranty, XXXX for negligence because of the breach of warranty, and XXXX for breach of contract damages, XXXX for breach of contract negligence, XXXX for damages for product liability. Please be advised if you do not agree I wish to pursue arbitration for the maximum amounts of equitable an monetary relief according to the policy an this should serve as a written notice to that fact. Please respond in 10 days.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (NY)

I would like to dispute certain information in my file which I believe is possibly Identitytheft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OH)

WELL, I PURCHASED ( 4 ) OF NETSPENDS PRE-PAID CARDS. I PURCHASED THEM XXXX XXXX, XXXX & XXXX 2021. SO, THE CARDS WERE LOST/STOLEN & THE THIEF USED THEM & PURCHASED ITEMS ON LINE WITH MY CARDS. I CONTACTED NETSPEND BUT THEY DID NOTHING. THEY TOLD ME SOMEONE ELSE '' S NAME WERE ON THE CARDS & IT WAS NOTHING THEY COULD DO. OTHER WORDS THE THIEF REGISTER THE CARDS IN HER NAME BEFORE I WAS ABLE TO. NOW LISTEN TO THIS!! NOW TWO OF THE CARDS THEY REFUNDED, CAUSE THE THIEF DID '' NT REGISTER THOSE SHE JUST SPENT THE MONEY OFF THEM. THAT '' S WHY I THINK THEY REFUNDED THOSE. NOW, THEY ALSO TOLD ME THAT THE THIEF CONTACTED THEM AFTER I CALLED & REPORTED MY CARDS STOLEN. AND REGISTERED THE CARDS I '' M COMPLAINTING ABOUT. NOW THEY KNOW THIS WAS '' NT ME SO WHY ARE YOU NOT DOING YOUR JOB!!! INVESTIGATING THAT PERSON!!! YOU SAID IN YOUR OWN WORDS I WAS '' NT THE ONE WHO USED THE CARDS AND MY NAME DID '' NT MATCH ... .I ALSO SENT THE PICTURES & RECEIPTS OF THE CARDS BEFORE THEY WERE LOST/STOLEN. I HAD SENSE TO TAKE PICTURES OF MY CARDS & KEEP MY RECEIPTS RIGHT AFTER I PURCHASED THEM!!!! THE ( 2 ) IM COMPLAINTING ABOUT WERE {$500.00} EACH.!!! THAT '' S ABOUT IT.. THANKS!!
Consumer complaint received 2024-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

After viewing my credit report Capital One ran my credit 6 times with XXXX, XXXX and XXXX, I need sign documentation that i gave them permission to run y credit, the s fraudulent and needs to be deleted off of all of my credit reports.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account : XXXX XXXX  XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX : # XXXX 15 USC 1681 section 602 A. States I have the right 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.

15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate