davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX I have been speaking with numerous representatives at Equifax regarding a block. I am in the mortgage process and my lender can not access any information from Equifax. He ran my credit in XX/XX/XXXX and XX/XX/XXXX. He ran the credit again end of XXXX working on final loan approval and has been receiving a clock from Equifax on his end. I can Equifax 1st representative says theres no block, 2nd representative same day says there is a block, speak to supervisor all in the same day which advises there is a block and social security/driver license is needed. I fax over per their request. Call the following Monday to confirm all documents were received as I am on a time crunch ; they advised they were received however I didnt need to do all of that, and he was lifting the block as we spoke on that same call. All the while every single call/representative has asked the same security questions which I provide the same answers and have always passed my security questions and validated my file. Every time I speak to my lender he advises he still gets a block from Equifax. He has even called the customer service dept asking how we can lift this block and he was told that I needed to call and request a release for core logic because that is the system my lender uses. I did just that, representative advised theres no such block. Now, after almost 2 weeks of providing same information all of a sudden I am unable to validate my security answers and questions and Im blocked from accessing my Equifax file. Please help as I need loan approval in 1 week! These people are all incompetent! Always giving you incorrect, inconsistent information.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

On Thursday, XX/XX/2022 I received a text message about a personal checking account I never opened. On Monday, XX/XX/2022 I received a Statement of Account in regards to the account I did not open with TD Bank. I immediately called TD Bank to report the fraud. They closed the account and guided me on the next steps to report the fraud.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma (IN)

I have a savings account with credit karma. 
I tried to withdraw my money from the account. {$100.00}. It says ( the account you are trying to withdraw from is frozen ). 
The first time i tried to withdraw the money was XXXX/XXXX/20 and i tried today XXXX/XXXX/20 with no change.i have tried withdrawing and cancelling my account and no reply from credit karma.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (VA)

On ~XX/XX/2018, I was trying to make a small purchase on XXXX, in the amount of {$14.00}. I proceeded to make my payment as Ive done many times in the past. My payment option is set up through PayPal, which pulls funds directly from my checking account. I had not purchased anything from XXXX in several months, and while going through the checkout process, I was asked to update my information. I believe an old address was listed, so I updated that ( and maybe a phone # as well ). Typical info that would be needed for purchases. I did not provide my social, my salary or anything thats typically captured during a credit application and in NO WAY did I believe I was applying for a credit line. The next thing I knew, the {$14.00} was added to a PayPal credit line that I was tricked into opening. I contacted PayPal right away. I believe the customer service rep blocked my line, but it couldnt be fully closed until I paid the balance due, and I couldnt pay the balance until my statement dropped ( something along that line ). I was then instructed to wait for an email, alerting me of the amount due and to call back and pay the balance off. So a month+ later, I received the email and had to waste more time calling, paying my balance and then closing the account. 

Now today, XX/XX/2018, I received another letter regarding this credit line, advising that my credit account moved from XXXX XXXX XXXX to XXXX XXXX. Not only have I NEVER heard of these financial institutions, but Im unclear why I would be receiving such a notification if my account was closed and who knows what kind of personal info these banks have on me. 

Im furious that this occurred. PayPal has wasted time I dont have, violated my trust and took advantage of the payment process to trick me. This was incredibly deceptive, to say the least.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland ( MCM ) has not provided documents from XXXX. XXXX also has missing statements XX/XX/2013 was the last statement I received. There was also a change of address made well before the XXXX statement was mailed out. There has been several attempts but no effort made to resolve the issue. I have disputed this account when XXXX had it with several calls and customer service saying one thing but did not follow up as stated by them. I also have proof I was living in another state and working. as well as electric car insurance all was change in change of address. MCM has not even in disputed stop reporting to credit bureau. They have not provided any letter of this debt since day one. XXXX has statements missing as well as no letter going back to XXXX as to there claim of mailing out a letter. XXXX never made any effort to resolve there error.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (NY)

This is my 2nd CFPB complaint for the very same problem. 
My prior complaint XXXX was closed with a promise of a full resolution by the company representative XXXX with Ref XXXX. 
The request has just gone to dust and Google still doesn't respond to any of my email. 

Description of the problem : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have purchased Google XXXX  Gift cards worth {$2000.00} from XXXX XXXX in XX/XX/XXXX with an intention of buying Google Devices from the XXXX website. I called the Google XXXX Customer service and they informed us that I can not use XXXX XXXX credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. So, right after we gave the gift card information, they have limited my access to our account " XXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the XXXX customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. Since XX/XX/XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google  XXXX, Google Wallet and Google Commerce requesting for reinstating my account so that the Google XXXX could refund my money. For over 15 months until XX/XX/XXXX, all I was being told is my Google Wallet account has been closed and Google XXXX being linked internally to Google Wallet, I can not use my Google XXXX funds. I don't really care for the Google wallet and all I requested was to refund my money. I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XX/XX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. I would appreciate all your help in this regard. 

Thanks, XXXX
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX is reporting to TransUnion credit bureau that the account is still open and it should report as closed. The balance is showing 100 % paid in full. Please have them close the account and report it correctly on my CB report with TransUnion Total shows owed. {$3800.00} The other account that shows incorrect reporting is still XXXX XXXX XXXX it is also reporting this as open account with a XXXX balance and should show XXXX  and closed status.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX

3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-10
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. (UT)

Experian is reporting a collection for XXXX XXXX XXXX - XXXX and it is not valid nor is it mine. - I have been disputing this already and they claim it is valid. How did you verify it? XXXX XXXX IS NOT VALID VERIFICATION!! 
They are the only ones reporting this erroneous OLD debt that is also past the statute of limitations based on the dates!
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I make payments that cover my accrued interest plus some. I just noticed on my statements that Navient says I accrued over {$1000.00} in interest in five days two times in XX/XX/2018. There could be more, I have not gone through all of it. I keep track of my payments and accrued interest on my own spreadsheet and have asked them to explain and provide documents to show how that much interest accrued in five days. Nothing yet.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX  and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2020-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services (ID)

I had a mammogram done that was paid for with a grant from XXXX common fund. Then they called me in for a second mammogram because I had aXX/XX/XXXX I was assured this would be paid for through the Grand as well. A few years later I received notice from aams that I had a debt with them. I had never received a bill and did not know I had a bill that went to collection but they told me there was nothing I could do at this point except pay it. So I made payment arrangements and I've been paying them monthly straight from my checking account every month without a missed payment. They show I am late every month on my payment to them. However I have not missed one payment or been late since I found out about this debt. I don't feel this is right as I have been making the payments as agreed every month. This is affecting my credit and making it impossible for me to rebuild my credit so I can buy a house.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT CREDIT XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I used a non Regions ATM 3 times to withdraw money, but then I tried to take out an amount I believed to be in the account and it was declined several times and, despite the transactions not being approved, Regions Bank still charged me for them.
Consumer complaint received 2019-04-22
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. (OK)

I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the XXXX website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from Experian, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit report.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This morning [ XX/XX/XXXX at XXXX XXXX  ], I noticed on the BOA app that my Bank of America Travel Rewards Credit Card has been changed to the Bank of America Unlimited Cash Rewards Visa Signature credit card. Both of these cards have {$0.00} annual fee. On their website, it states that the travel card has no foreign transaction fee, whereas the unlimited cash rewards card has a 3 % foreign transaction fee. 
I have received countless offers to switch my travel card to the unlimited cash card and I never authorized this change. 
My last transaction made on this credit card was on XX/XX/XXXX, almost 2 years ago. I suspected this change might be targeted to less active accounts like mine, similar to their unauthorized account openings scheme. 
I called customer support about this issue and the support agent told me there was a notice that was sent to me on XX/XX/XXXX notifying me of this change. However, in this notice, supposedly, there was no option to opt out of it. I do not see any such notice on my online account, where I should have a digital copy of all notices that are physically mailed to me. 
The support agent tried to convince me to stay on the unlimited cash credit card by telling me I have an introductory offer of {$200.00} cash back if I spend {$1000.00} in the first couple of months of my account being opened. He also mentioned that this was an upgrade to my old card. At this point, I told him that this is actually a downgrade due to the foreign transaction fee. He looked into my account and saw that my specific account doesnt have foreign transaction fees and this was part of the complementary change to honor the no foreign transaction fees on my old card. 
I asked to have my card switched back to the travel card since I never authorized this change. He read the disclosure about accounts and offers becoming invalid. Wanting more time to think about this, I asked for documentation to be sent and he said he can send the documentation specific to my account. However, his only option is to send it via physical mail and it should arrive in XXXX weeks.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

The issue is causing me significant distress and XXXX  to the point where I'm having XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SLM CORPORATION (VA)

Savings account on XX/XX/XXXX, was told it would take a long as 30 days for balance refund. Called Bank on XX/XX/XXXX to advise did not get balance refund, was told that check was mailed out on XX/XX/XXXX, but the Bank would need to investigate. 

XX/XX/XXXX Bank called to say they would stop payment on the lost refund check and reissue check, will take another 30 days, I asked for the check the be expedited, they refused. This is really poor service to wait 60+ days for a balance ( {$31.00} ) to be refunded.