davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bread Financial Holdings, Inc. (FL)

Despite multiple attempts to remedy my issue, the company Comenity Capital Bank operating as Comenity , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone XXXX has not reported my account information accurately. They have given multiple reasons for this negligence. This lack of reporting accurate balance information has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services. 
Comenity advised me I would receive a satisfaction of balance message in my inbox from Comenity Rewards but I instead received an error message. Attached you will see the failure to produce any information from this company.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (OH)

XXXX before making purchases I had a credit balance $ XXXX my actual purchase totaled {$590.00} Subtracting {$74.00} from {$590.00} equal {$510.00}. When I call the credit card it has my current balance {$510.00} / fine. 
There are items not received and some showed delivered that were not delivered. 
I will list all details : Order numbers and dollar amounts charged : XXXX {$320.00} I received XXXX {$110.00} XXXX received last XXXX items today XXXX = XXXX canceled XXXX = {$47.00} XXXX received XXXX XXXX / XXXX XXXXr was missing it was re-shipped / delivered credited & recharged XXXX {$21.00} XXXX received XXXX {$49.00} not delivered/ not received gift to other state Macys was to email me Papers on the mot received item. I made request twice still not received.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I lost my card and they refuse to issue replacement card when I called customer service they tell me they cant issue new card that they need to change entire account number horribke experience BEVAUSE I have exhausted all card number I need a replacement and their refusing to issue me one give me hard time what type of customer service is this then their was fraud charges transactions made on the card I lost they never reimbursed me
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX/XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX  ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX  ( XX/XX/XXXX ) 08 XXXX  XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP (WV)

XX/XX/XXXX Received account letter from KeyBank in prior legal name of XXXX. I have a legal name change. I further contacted KeyBank for the 3rd time ( I kept notes. 1st time on XX/XX/XXXX, 2nd on XX/XX/XXXX ) to close this inactive account in the wrong legal name of which the new card mailed was never even activated by me. I contact KeyBank and was informed that I can not close a prepaid benefit account and that it must be handled by the benefit provider ( who in this case is WV XXXX XXXX XXXXt Bureau ). I again contacted the WV XXXX XXXX XXXX requesting the KeyBank account be closed again this year. My children are all adults and there will be no need for any future services. The account has had a zero balance since XX/XX/XXXX. WV XXXX no longer services the KeyBank account as their vendor has changed. No funds will ever be deposited to the benefits account as confirmed on the WV XXXX XXXX XXXX website and the funds are not transferable to their new vendor. I do not want an open account in my name that further contains my personal information in case there is ever some sort of breach of KeyBank. It should not be this difficult to close an account that is stale for this long! There should be a policy protecting individuals and inactivity of an account should not be left open for fear of fraudulent activity that could somehow occur with an account I no longer monitor or even have access and I no longer have the actual account card in my possession but have been unable to CLOSE the account myself.
Consumer complaint received 2023-06-13
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: EQUIFAX, 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 15 USC 1681. 

The letters are stated with items and issues. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 which antedates the report by more than seven years. 

15 U.S.C. 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.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I received emails from Experian starting XXXX, that showed re-inserted or reappearing accounts on my credit report that were DELETED several months ago between XX/XX/2019-XX/XX/2019. Their were two accounts by XXXX XXXX XX/XX/XXXX & one account by XXXX XXXX XXXX XXXX that was Deleted. Experian has for some reason decided to re-insert these accounts onto my credit report without legal justification. Please help see to it that these accounts are removed or I will pursue a legal suit against Experian. Experian is in violation of the Fair Credit Reporting Act under Section 611. Thank you.
Consumer complaint received 2021-05-11
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 started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to XXXX & Experian and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to XXXX & Experian showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I had a crypto investment with Binance.com, a company that eventually got banned in the US. We were given time to withdraw funds to Binance.us. I followed ALL protocols to transfer the funds. Binance.us gave me a disbursement confirmation request. I confirmed the disbursement. The funds left Binance.com but never arrived into Binance.us. 

I have all documentation to prove the withdrawal and deposit request, as well as the disbursement confirmation. 

XX/XX/21 Binance.com Withdrawal Request " Youve initiated a request to withdraw XXXX EOS to the following address : useosbinance MEMO XXXX " XX/XX/21 Binance.com Withdrawal Confirmation " You've successfully withdrawn XXXX EOS to the address. 
Your withdrawal address is useosbinance, txid is " XX/XX/21 Binance.us Disbursement Verification " NAME, we have received your disbursement request made on Binance US and need you to confirm by following the instructions in this email before we can process it. 
ACCOUNT NAME BAM-Linked Account-__________ DISBURSEMENT AMOUNT US $ XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Confirmed Disbursement, and no money was ever deposited. 

XX/XX/21 Created Support Ticket Support Ticket XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 Created Support Ticket AGAIN Support Ticket XXXX XXXX XXXX XXXX XXXX XXXX - new ticket merged with previous ticket I have since learned that MANY MANY people are in a similar situation. I have received ZERO HELP
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Credit Corporation (VA)

The issue I am having is not truly listed above. Today, XXXX/XXXX/2015, i received an alert from my credit monitoring service that a collection account had been added to my credit report. I immediately called the collection agency to find out what the debt was and why I never received the notice in the mail. They told me that the letter was sent to XXXX XXXX XXXX XXXX but I moved from that address and now live across the street at XXXX XXXX XXXX XXXX which was why I had not received the mail. XXXX XXXX XXXX is vacant so no one gave me that mail and I never received any forwarded mail from USPS. 
They also informed we that a wage garnishment had been sent to my previous employer which i no longer work for and I dont understand why i would not have been contacted via phone or email before involving my employer. 
I asked them if they could remove the account if I paid it over the phone and they said I could not dispute with them which I found very strange. I then asked if I could receive a letter stating that the account was paid in full but they said that I have to wait 30 days to receive this and I feel this is unfair since I never received the correspondence to begin with. i am in the process of obtaining employment and since I work in the financial industry, I can not have a new collection account listed on my credit bureau as this would prevent me from being hired. 
Given the fact that I paid the account in full ( reference number XXXX ) and the correspondence was sent to an old address i think this collection account should be immediately removed from my credit bureau report. having it on there will prevent me from finding employment in my field!!!
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/2021 I issued a check from my investment company XXXX XXXX in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my XXXX XXXX investment account. XXXX XXXX stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by Bank of America on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from XXXX and the money was successfully deposited into a bank account through Bank of America on XX/XX/2021. I have the sequence number the bank account number but when I called Bank of America they would not disclose any information to me as to where my money went. I have been in contact with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (FL)

good morning I have an account with NetCredit financial. The amount of the loan is {$1900.00} and my monthly payment is {$160.00} For over a year I got laid off from my job so I called Netcredit asking for hardship. They told me not to make any payments but they kept sending me bills anyway. 
I called them and begged to settle this account, they told me to pay {$2000.00} to catch up and resume my monthly payments. 
Because of their predatory lending now my balance went from {$1900.00} to {$4000.00} and we still have 2 years left. 

I understand NetCredit is a part of whats called XXXX XXXX XXXX XXXX and they must be stopped. 
Could you please help with this matter. 
My account number with them is XXXX Thank you so much. 
XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

ON XX/XX/2021, I received a notification from my credit monitoring service the XXXX inserted an negative account in the amount of {$4200.00}, on my Equifax credit report without any prior notification. 

I immediately reached out to XXXX for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe XXXX, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB XXXX intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and XXXX held accountable for the aggress act.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX  I received online offer from Amex to open Delta SkyMiles credit card, spend {$1000.00} within 6 month and receive XXXX miles. 

I opened the card and spent miles however Amex refused to provide promised XXXX XXXX miles. 

Amex charges {$99.00} yearly fee. 

If XXXX miles were not offered to me I would not open card
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (NY)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Neon Newco Corporation (WA)

In XXXX of this year I received a XXXX check from the IRS, not knowing what it was for I contacted the IRS. I was told.it wasn't a mistake and the check was for the check tax credit. They then asked how many payments I have received. I said just 1 check. At that time the IRS agent informed me that 3 payments were sent to a netspend card and the account number ended in XXXX. I then contacted netspend, I was told someone transferred the money off my card onto ANOTHER card in my name. I IMMEDIATELY asked to dispute this transfer as it was not me and I was not.in possession or control of either of these accounts. I asked that I receive a provisional credit and I waited for 14 days for an update, only to be told they found no errors because the person who did it was able to answer my security question that was ( what is your dad 's name ) this blew my mind. I was so.upset at how this was handled I then contacted my local police department to file a report and get help. After contacting nwtspend to ask that they reopen my dispute. They said I had to.wait 7 to 10 days to get and call back and ask them to reopen my dispute. I am.up in arms over this and I need my money back. I have offered to send a picture of my license so they could check ATM pictures and see this was not me. I want netspend to reopen this dispute and issue me or Provisional credit.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IL)

Simple Bank corp merged with BBVA and they said our accounts would be trasnfered over the weekend. I followed all their instructions to use their online service and have access to my account but they locked my account and have no access to my funds or can deposit my check. Their phone lines are not working and I can not get in touch with anyone. I am not the only one, there are tons of people on XXXX XXXX that are in the same situation.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I Sent a Letter Off On XX/XX/2022. Here is my reference # XXXX. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people.

These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2021-12-15
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. (NV)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
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. (NV)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, XXXXXXXX XXXX XXXX, has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 which antedates the report by more than seven years. 
15 U.S.C. 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.