davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
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. (CO)

NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I opened a Citibank checking and savings account with the agreement that I'd be given a {$400.00} bonus. Citibank 's requirements : " Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts.

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' By XX/XX/XXXX, I met the requirement of depositing {$15000.00} in my checking account. 
I have kept the {$15000.00} in my checking account to this day of XX/XX/XXXX. My balance never dropped below {$15000.00}. After 60 days, I called Citi to check on the status of the bonus, and confirmed that I have met the requirements. The customer service rep said I'd have to wait 90 days from the day I met the requirements. After 90 days I called again to check the status, and was given another delay. They said they'd open an investigation. Their investigation determined : " Unfortunately, your account does not qualify for this promotion because the linked savings account closed. '' Well, Citibank closed my savings account without my consent! They closed it because it had a {$0.00} balance. It was closed after 90 days due to inactivity. I had already met the requirement of keeping a {$15000.00} balance between my checking and savings account for 60 days, so it's irrelevant that it was closed after 90 days. 

Furthermore, the document they sent me explaining why they denied the bonus was incorrect in saying I opened the accounts with the {$50000.00} balance requirements. I opened the accounts with the {$15000.00} requirements for the {$400.00} bonus. 

Citibank customer service phone number is impossible to connect to anyone who can help. One rep tried to transfer me to a " supervisor '' and I was placed on hold for more than an hour.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I wired {$2000.00} on XX/XX/2018 to be deposited into my Coinbase account, but no funds ever showed up in my account. I have confirmed with the receiving bank that they credited Coinbase with my funds. I have emailed Coinbase multiple times in an attempt to resolve this issue, but they have never responded, and the funds have been unaccounted for for over 3 weeks at the point in time. I have asked the receiving bank to reverse the funds, but they have been unable to reach Coinbase for approval. I have also tied to reach Coinbase by telephone, but I only get a recorded message to contact them through XXXX, which is where I have been sending my previous messages. It seems to be effectively impossible to contact Coinbase.
Consumer complaint received 2022-07-19
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)

On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.
Consumer complaint received 2016-10-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

i had all my exemptions removed from prior property tax years all at once. DEspite the fact i have legal options regarding this citimortgage is threatening to set up an escrow account with penalties and interest wihtout letting me avail various legal remedies and avenues i have available to me. this is wrong. no escrow account. i do not even have back up for what these taxes are based on and i know there are legal protections out there regarding this. I am tried of the one size fits all approach in how they are dealing with this. i value my home and obligation but to have all exemptions removed at once. is a hardship.no escrow account is to be set up. i am not going to let it happen. i want to talk to someone at my convenience about my plans and the accountability to which i have a right. and am entitled to do not set anything up do not bully me. i have legal options.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION (MS)

I created the background report on XX/XX/2023 now its XX/XX/2023 and the estimated time to finish is XX/XX/2023 but everytime its about to finish they push it back and back like they cant get my information im trying to see why its taking so long to finish it and they told me it would take no more than XXXX weeks it is holding me back because they dont want to do their job but i didnt know it was that hard to look up my information if they had my social security number
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (SC)

Auto debits were taken out of my account even though it was no money in the account. There was XXXX debits taken out, which resulted in XXXX {$36.00} charges ( {$100.00} ). When I did not pay the overdraft fees in XXXX days I was charged another {$36.00} for a total of {$140.00} in overdraft fees. I went to the bank ( XX/XX/XXXX ) to see if I could get any help or get one removed, after waiting over a hour I was told no. I paid the fees so I wouldnt get anymore fees. I asked to close the account that day as well. On XX/XX/XXXX I was charged a {$1.00} service charge for prior period. I have never heard of this charge before, I went to the bank on XX/XX/XXXX to ask what the fee was for and the teller said it was unusual and did not have or offer an explanation. I paid that fee. The account was still not closed on that date. I have since called to get account closed and Im awaiting documentation of closed account.
Consumer complaint received 2020-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDYK MORTGAGE CORPORATION (NJ)

The loan officer XXXX XXXX NJMLS # XXXX for VanDky mortgage company was disclosing my personal financial information through phone communication with my realtor XXXX XXXX, from XXXX XXXX XXXX XXXX NJ. The information that was shared was about my income, bank account withdrawals, and child support that I receive for my child. I have recorded evidence of this exchange. As the realtor recycled back to me the exact identical information that I only disclosed with my loan officer in order to apply for a home loan. I have both complaints with mortgage company and XXXX XXXX XXXX. However, my privacy have been violated and I was taken advantage of because I am a first home buyer. I am in need of assistance in order to officially report this and seek help. Please may someone get to me in this matter. My number is XXXX. In addition, the loan officer left stranded with my lawyer and seller with no information on whether I was approved for the loan or not. This was after in retaliation to reporting to the mortgage company what was going on. I have recording evidence and can send that you email. Please can someone contact me. I appreciate it. 

Thank you XXXX XXXX
Consumer complaint received 2023-07-31
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below 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 2023-07-31
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-07-31
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. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (WI)

Scheels Visa customer support number is : XXXX. 

I accidentally dialed XXXX XXXX, And this number is posing to be VISA, and took all of my info. 

I noticed the misdial and eventually hung up.
Consumer complaint received 2023-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NC)

My credit report is showing 9 to 10 entries from Medical Data Systems Inc. for the same amount of {$280.00} and date of service. The only difference is they change the account number so it looks like a unique item when its not. If I contact the company directly the statue of limitation start date will be readjusted. This seems to be a new tactic to create multiple entries on ones credit so they are severely impacted by the medical debt. 

Their info is Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2023-07-31
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

A checking account was opened in my name with TRUIST. I did not open this account. There are several transactions under the name XXXX XXXX XXXX XXXX I called TRUIST XXXX and they refused to close the account and said they would monitor it.
Consumer complaint received 2019-01-04
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. (OH)

I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID ans SS info for proof of address.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID XXXX SS info for proof of address.
Consumer complaint received 2019-01-04
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. (OH)

I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID ans SS info for proof of address.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-13
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)

I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, XXXX and Transunion are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

4 hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. Two of : XXXX XXXX XXXX XXXXXXXX of : XXXXXXXX XXXX, and another of : XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: 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: Block, Inc. (GA)

There are ( 2 ) transactions that I have been disputing for the last 8-9 months. On XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$1500.00}. Understanding that the transactions are quite old, I was making payments on a vacation package that was scheduled for XX/XX/XXXX. On XX/XX/XXXX, the merchant XXXX XXXX, cancelled the event. 

I have called and emailed the merchant with no response. They have since filed for Bankruptcy. 

I have reached out to CashApp filing several claims siting Non-Receipt of Goods or Services. Each claim has been denied within less than 24 hours stating that no error has occurred, despite all of the evidence that I have presented to them.

I paid for this vacation using ( 3 ) different financial institutions and have received my money back from the other two - XXXX and XXXX. Having provided them with the same documentation as I have CashApp.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (MI)

Called cash app on the XX/XX/2023 the Representative told me that he couldnt find no information on why my account was closed and he will have to get with the tech team to see what happened, creating a support ticket. If it was a valid violation, it should be on file but its not. Someone did something under my social security number at cash app to make me not able to open any accounts.