davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MO)

My unofficial credit reporting application XXXX  shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. 

I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. 

None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.
Consumer complaint received 2022-03-04
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: CORELOGIC INC (OK)

The company Creditco shows a hard inquiry on my credit report. I have no idea who this is and why they are on my report. I need the hard inquiry removed because I have never had any dealings with this company before. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (OR)

I have no idea who the firm is and requested that they stop contacting me especially while at wok. This request was sent in a reply to the text messages they sent me. I have received numerous phone calls daily at work after this request.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I have had an XXXX checking account since XXXX. Last year XXXX informed me I will be transferred to Citizens bank in XX/XX/XXXX. I closed my XXXX checking account on XX/XX/XXXX, before the transition happen in XX/XX/XXXX. However, I am not sure what happened, I still received Citizens bank 's checking account debit card, and mailed me a letter saying I have a checking account with them, although I never decide to open an account at Citizens bank. I try to contact Citizens bank customer support several times but can not reach a person to close my account. Please close any existing accounts under my name immediately in Citizens bank, and remove my profile in your bank. Thank you!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This complaint is a follow-up to an earlier complaint ( # XXXX ) filed on XX/XX/XXXX. On XX/XX/XXXX, I received a reply to the original complaint which instructions to get the information that I had requested. 
I have tried several times to obtain the information, first on XX/XX/XXXX, and XX/XX/XXXX via letters., On XX/XX/XXXX, via fax, and finally via registered mail on XX/XX/XXXX. 
Capital One was supposed to provide me with the information within 30 days of receipt of my written request. I verified that Capital One received the letter on or before XX/XX/XXXX. 
Today, XX/XX/XXXX, I contacted Capital One to inquire why I hadn't received the information. Unfortunately, after being transferred several times and waiting on hold for approximately XXXX minutes, the call was disconnected.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

My account went into a negative balance for 1 day and then the bank decided to close the account even though this was the first time. They then held up my deposits to cover the balance for 2 days. It's in positive balance now, but they still say they're going to close it. I got a letter saying they asked me for more information and because I did not provide it, it will be closed. But they did not make such a request. Now I get an email from them saying my deposit statement is available online for my account ending in XXXX. But my account ends in XXXX. They may be upset at me because I filed a dispute for {$4900.00} against a moving company that ripped me off and would not pay for damages. It's outrageous that the bank decided in their favor. I did email them one heated message. Then I filed another dispute for the 2nd charge of {$1400.00} against the same company and they rejected that one also in record time. I feel the dispute call center in the XXXX is against me. I explained to them that the movers used my own shower towels & linens to pack my fragile items and broke my stuff, but they didn't want to hear it. This moving company is mentioned in over 4700 lawsuits ; they're notorious. I expected the bank to be there for me at this time. What a let down.
Consumer complaint received 2022-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (AK)

On XX/XX/2021 I was contacted by phone from a foreign speaking man that I couldn't under stand very well and he had all my information regarding how much I owed to Capital One and my credit card numbers at that point he said that I could end paying my {$200.00} monthly payment. But he needed my XXXX code #. As soon as I was talked into giving the code he switched me to a lady that was trying to sign me up with an investment counselor at that time I told them that didn't want to go any further until I receive a contract. Unknown til Later did I find out they charged my Credit Card {$3700.00} that very same day! That's when I contacted Capital One to dispute the charge at first they removed the charge then this XXXX XXXX supervisor sent Capital One a forged contract with my Name and initials and they put the charge back on my Credit Card. I spoke to this XXXX XXXX on the phone and he told me he was going to cancel this phony contract but he lied to me several times about ending this. I canceled my credit card thinking he could possibly charge more. I was told by Capital One that this case is closed because I didn't follow up within a certain amount of time.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AP)

XX/XX/XXXX I was moving coins between my XXXX and Coinbase account to transfer them out until I got an error and was logged out of the system. Trying to log back into XXXX it again gave me an error but this time showed a splash that I should contact support. I called the support line and case # XXXX was put in for me about my issue, XX/XX/XXXXI received a reply saying that " A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause. We regret that we are not able to supply you with any additional information. Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. Again, I apologize for any inconvenience this has caused you. ". 

After reading this I assumed that I could log into XXXX to retrieve my coins, I saw the same error and splash saying I should contact support. I contacted specifically XXXX  support this time due to me not knowing at the time that support for Coinbase and XXXX  were the same. Given the case # XXXX, I received 2 responses that next day the XXXX. One from Coinbase support saying that my banking limit had been increased to {$10000.00} and one from  XXXX support saying that they have received my request in reference to case # XXXX. 

My next attempts to get access to my XXXX account was just me calling support, being told that " my case is getting escalated to a higher level '', and that " they're waiting on a response from the specialist ''. The last time I contacted XXXX/Coinbase support about this issue was XX/XX/XXXX. Until today XX/XX/XXXX where I wanted to verify that nothing has changed, the support on the phone gave me the same spiel as I had been previously getting.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

My XXXX  account shows a " Credit Report Alert '' for a closed Master Card credit card account I had with CITI, Citibank. The alert showed - Amount in h/c column is credit limit, this in the Account Type/Status. The Balance shown is {$920.00}. I contacted Citicards CBNA and followed their instructions to have the item removed from my XXXX  Credit Report. I sent them the information requested in XX/XX/XXXX( XX/XX/XXXX ), they then requested the same information in XX/XX/XXXX. In XX/XX/XXXX( XX/XX/XXXX ) I once again sent them the information they requested to correct this matter. Again they sent me a letter requesting the information, which I received in XX/XX/XXXX.
Consumer complaint received 2021-05-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is regards to a credit card dispute with my bank USAA. They did not adequately process the dispute even though I showed proof that it was a fraudulent charge. 

On XX/XX/XXXX I booked a room through XXXX. Conrmation Number XXXX for hotel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. 

When I arrived the hotel did not have a reservation for me and the front desk agent states that the hotel was sold out. I called XXXX for a refund and they have refused to issue a room or give a refund. They stated that they need to call the hotel, but no one answers the phone. I contacted the hotel and they have also refused to reach out to XXXX to issue a refund. I believe that taking a customer 's money and refusing to provide service or a refund is fraud.
Consumer complaint received 2020-02-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Loan Science, LLC (CA)

In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While nearly all of my other private lenders allowed for a 3 to 6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, LOAN SCIENCE has refused to assist me during this exorbitantly difficult time due to a technicality of the disaster being listed as " NATIONAL EMERGENCY '' as opposed to Disaster ; and, they have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Executive Office in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and speaking at length with a LOAN SCIENCE  Manager via  phone several times to attempt to resolve this matter either with an honored forbearance or significantly lower payment options during this tim e . LOAN SCIENCE
has caused me extreme mental and emotional distress during this very difficult time after  experiencing a natural disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with LOAN SCIENCE  's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time, in the form of an Administrative or Natural Disaster Forbearance as previously promised.
Consumer complaint received 2018-05-16
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. (FL)

XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

On XX/XX/2020, I booked a cruise with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I paid with my debit card from Wells Fargo. Account number : XXXX. 
Because of COVID-19, my wife and I decided to cancel our cruise and XXXX  refunded our money back in XX/XX/2020 to my account. 
This account was blocked because I had not used it for a while considering that I was not able to visit the USA since XX/XX/2020 due to COVID-19 pandemic. I am a XXXX person living in XXXX and I was not able to use the account because I could not cross the XXXXUSA border XXXX 
Once the border reopened, I went to Wells Fargo to reactivate my account, but the bank said it was not possible since it had to cancel all the bank accounts that belonged to people living outside the USA. 
The bank gave me the money I had in my bank account but there was not the refund from XXXX. Also, I asked for my bank account statements and the bank did not give them to me. 
Since the reopening of the border, I have gone several times to Wells Fargo in XXXX, CA and once in XXXX XXXX, CA for any information regarding the refund from XXXX. Wells Fargo claims that it does not have the money, but XXXX shared with me the XXXX number and, still, Wells Fargo does not give me my money and it does not provide any proof that it does not have my money. 
Please, I need help to get my money back.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/18 I deposited approximately {$30.00} in loose change at the Bank of America branch at XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX as the Bank had suggested I do in the past as they explained that they accept responsibility for accurately counting the change and crediting my account with the correct total in a week or less. While this worked correctly on two prior occasions, on this occasion, the Bank has still not credited my account for the deposit after 12 business days and despite emailing the CEO, XXXX XXXX XXXX to request assistance on XX/XX/18, I have not received any response to date.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC (UT)

On XX/XX/XXXX I call Preferred Credit to pay off my remaining loan balance early. It was listed on my credit report owing {$170.00}. I call and advise I wanted to pay it off. I was told I couldn't and would have to allow my payment due on XX/XX/XXXX to process and then I could call after and make the payment to pay it off. This did not make sense to me, so I question a supervisor who approved the payoff to be completed on XX/XX/XXXX I was advised that to payoff the balance I would need to pay {$170.00}. I provided my bank information and a payment of {$170.00} cleared my bank on XX/XX/XXXX. On the evening on XX/XX/XXXX I received a notice of my credit score changes. When reviewing the changes I notice I was still being reported of a {$2.00} balance with a minimum payment of {$5.00} being due. I called the automated system and it stated I had a payment due on XX/XX/XXXX. I questioned a representative about this and she stated I was given an incorrect pay off amount. I told her that is not my fault that it was wrong because they did not process the payment until 4 days after I authorized the payment. I asked for a supervisor and the supervisor refused to take the call. I then stated that for the small amount of {$3.00} that they say I owe in order to fully payoff the loan, to satisfy the issue and correct the error on there behalf they should adjust the balance to {$0.00}. They refused. To be done with the company I gave my payment information again and was told the payoff balance was {$3.00}. When the agent went to submit my payment on XX/XX/XXXX she stated that I only need to pay {$2.00} and they would process the payment that day. Then she stated the payment will process on XX/XX/XXXX. She assured me the payment will pay the account in full this time. I would expect a company that provides a payoff amount to take that payment as payment in full. Due to the error on the company behalf the small balance should have been adjusted and an apology provided. Instead I am told I have to pay the amount and didn't even get an apology of any kind for a company error. For working for a XXXX   XXXX  myself I am truly disappointed with the customer service provided and would hope that Preferred Credit gets it together and stops XXXX people over. I would have never known I owed anything if it wasn't for a credit monitoring alert.
Consumer complaint received 2022-06-18
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. (NJ)

Several letters and disputes were sent from XXXX XXXX XXXX XXXXo Credit Agency Experian XXXX This has not been resolved. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 USC 1681 sec. 602 A states that I have the right to privacy.

15 USC 1681 sec. 604 section 2 also states that a reporting Agency can not furnish my account without my written instructions.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (TN)

I recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.