davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Sir/ma 'm This is XXXX XXXX XXXX i have created checking account with charles schwab on XX/XX/XXXX and i have deposited {$110.00} from my own XXXX XXXX XXXX account to my charles schwab account through XXXX on XX/XX/XXXX. 
I have verified my identity at XXXX branch ( XXXX XXXX XXXX, XXXX, ca, XXXX ) presented my driver licence with up to date adress XXXX XXXX XXXX, XXXX, ca XXXX, which is also on file with XXXX XXXX account. 
shortly after i was denied acess to this account, i was told it was because of my adress, i rent a room at this adress through airbnb, i live here long term and i recieve mail at this adress, this adress is also on my drivers licence. 
my account has been closed and the funds denied. 
im filing this claim because this is unfair and unethical business practice, im still looking to recieve the money i have deposited with charles schwab {$110.00}. 
thank you for understanding and have a good day.
Consumer complaint received 2021-02-18
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. (IL)

I viewed a copy of my credit report and noticed that it is reporting a late payment of 30 days for XX/XX/2021 and we are still in XXXX, and not only that I was never late in XX/XX/2021 yet this bureau is reporting my account with a late for XXXX.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Starting on XX/XX/XXXX I submitted a request online to XXXX XXXX for a " request for refund. '' I was unable to take the flight due to medical reasons. ( documents attached ) I also opened a request with Citi bank to help me obtain my refund since I was only able to interact with XXXX XXXX via internet website only. I have faxed Citi bank multiple times, I have called customer service a number of times to only be told that the " back office is working on it. '' I have faxed them on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and not to mention the phone calls into customer service. I am requesting that {$300.00} be returned to my account. I have also included a document from the XXXX XXXX accessed online on XX/XX/XXXX that the status of my request shows " refunded '' on the XXXX   website. For whatever reason these funds have not been applied to my Citi bank checking account.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR MONTH OF XX/XX/2019. I REACHED OUT TO THIS AND THEY WERE UNABLE TO VALIDATE THE ACCOUNT. THIS ITEM IS UNVERIFABLE.
Consumer complaint received 2021-05-10
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. (NC)

This complaint is not a duplicate nor am I using a credit repair service. I am filing this complaint on my own behalf and I ask that Experian address this correctly and accurately. On dates XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21 I sent letters regarding inaccurate and misleading information on my credit report. XXXX XXXX failed to validate the alleged collection account. XXXX sent some documents with inaccurate information specifically the name on the account is not my name. The FDCRA Credit reporting laws ensure that bureaus report only 100 % accurate information on a consumers credit report and Experian has failed to provide this accurate information after i have sent two letters and additional documents pointing out the inaccurate and misleading information. On XX/XX/21 I also pointed out the same inaccurate information to XXXX  by letter and they responded promptly by correcting the errors and removing it from my credit report. I feel like im being ignored and having issues obtaining credit at a reasonable rate because this false information on my credit report. I demand that this account be deleted immediately or I will file for litigation due to the financial stress and higher interest rate i have to pay on loans!
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OK)

XX/XX/XXXX-XX/XX/XXXX and before I was charged by " XXXX XXXX '' and total of at least {$380.00}. I had spoke with someone to cancel and it was never cancelled. I called and cancelled it again today. When XXXX XXXX switched to Citibank, I never agreed to anything from " XXXX XXXX ''. Back in XX/XX/XXXX, I received a letter from Citi saying I would received letter that I would receive credit of {$130.00} due to a similiar problem. It seems there is an issue with credit protection agreements and XXXX and/or Citibank.
Consumer complaint received 2021-11-05
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: Bread Financial Holdings, Inc. (OH)

I have XXXX inquiries on my XXXX credit report that are inaccurate. XXXX is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with XXXX on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX AM on XX/XX/XXXX. Both disputes were denied with minimal explanation from XXXX. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by XXXX. This is ridiculous and disappointing that I have XXXX potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by XXXX. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (WA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 52 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 52 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

We had closed our business. The liquidation process included a Citibank business bank account and we kept it open for few months after business closed which was XX/XX/XXXX. The account had the last of the business funds for clearing all outstanding debts. The business had a XXXX XXXX merchant  card account which was originally referred to us by Citibank banker and merchant services employee. Since the business closed, me and my partner asked the XXXX XXXX branch, where we opened the account, to cancel our merchant card account and close the bank account XX/XX/XXXX. The XXXX XXXX merchant credit card service, customer service number they gave us kept us on hold or sent to voice mail. After two months of runaround my partner went XX/XX/XXXX and asked to close the account. She is a signer in the account and they refused and asked to keep it open until the transaction posts. That would leave a balance of {$5.00}. They ignored the request and did nothing about it. No follow up, no actions. All these time they have been charging the merchant card fees.Request for help over phone again was not reciprocated. Only reason we assume is that unwilling to help due to the fact that XXXX  is not our first language and XXXX is. My partner changed addresses and in order to update the address for personal account and close business account she went to bank and requested to business account to be closed. She was told there is charge again ( - {$160.00} ) or so. We closed our business and are rebuilding our lives. This unnecessary expense which was not our fault was upsetting, and my partner went to talk to the manager. The emotional request was no helped. My friend a translator knew our plight and came to help translate on our behalf. His insistence immediately caused the manager to call XXXX XXXX and close the merchant card account. The translator friend just stated the unfair mistake on their part and requested remedy and close the account today XX/XX/XXXX. The manager became combative and starts making threats that he will not close the account and send the fees to collection, and he can escort my translator friend out of the store. Request for contact info of superior officer was denied. The disrespect and bad customer service compounded with refusal to help and threaten financial attack using collection as a conversational piece made my partner livid and hurt emotionally. Its not our fault the merchant card account was not closed. I hope a business agency like CFPB would hear our plight and help us resolve the issue.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau Dear XXXX XXXX XXXX write to express my acute frustration and disappointment with your flagrant mishandling of my previous request. Your egregious errors have not only violated Section 611 ( 15 U.S.C. 1681i ) and Section 623 ( 15 U.S.C. 1681s-2 ) of the Fair Credit Reporting Act ( FCRA ), but they have also put me at a significant financial disadvantage, causing unnecessary stress and emotional turmoil. 

The accounts I demanded to be added are as follows : XXXX. XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX- [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. SYNCB/AMAZON PLCC XXXX XXXX XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX XXXX XXXX - [ XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] The failure to include these accounts in my credit report adversely impacts my creditworthiness, hampers my financial planning, and obstructs my eligibility for loans and credit applications. This is an unacceptable and grievous error, which I demand be corrected immediately. 

I insist upon the following : XXXX reinstatement and addition of all the accounts listed above. 
Written confirmation acknowledging this correction. 
An updated copy of my credit report reflecting these changes, as per FCRA Section XXXX. 

Failure to comply within the XXXX FCRA-mandated window XXXX force me to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX and pursuing all available legal remedies under Sections XXXX and XXXX ( XXXX U.S.C. XXXX and XXXX ) of the FCRA. 

This is your final opportunity to resolve this before I take further legal action. I expect immediate and effective resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-17
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: ALLY FINANCIAL INC. (PA)

I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KS)

My name is XXXX XXXX, paypal case number : XXXX I am respectfully requesting that the hold on my funds/account be lifted. i contacted paypal, speak to a supervisor, she made it seem promising i would receive my funds being held, she said i would receive an email with an answer 7-10 Business days, i have yet to receive the email. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case over the phone, which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Friday XXXX, XX/XX/2019 if I am not satisfied with PayPals response to this request to release my funds : The United States Federal Reserve XXXX : XXXX? XXXX ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) The XXXX XXXX XXXX : XXXX : XXXX The Florida Office of the Attorney General XXXX XXXX XXXXcontact Consumer Finance Protection Bureau https : //www.consumerfinance.gov/
Consumer complaint received 2019-04-17
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. (FL)

This agency- an alleged computer protection agency - will send me a email stating- this looks like a previous complaint. NOW get this- if this agency ever did anything to act and correct the problem there would be no need for another complaint but this is the season we are in. HELLO! Yes my score went down again on incorrect and dated information and their posting of 4 inquiries from one car dealer, which the state of Florida allows you to do to SHOP- otherwise how can you? Yes they send you an alert and the alert says - get this - DUH - CURRENT XX/XX/2018 HUM what month are we in? XXXX HUM OH sorry! to the date a negative happens its RIGHT IN THE REPORT- immediately but they are current on old balances and information without recourse! Now do you who may read this actually think they care? And they that work for them- '' I'm only doing my job. '' Now they will ask me what I would like as a resolution HA, HA, HA, HA, HA, HA SORRY. Just opinion by experience. After all they only report what the lenders give them - two months late. OH Well XXXX it up!
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (UT)

The card XXXX XXXX XXXX  card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX. 
I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it from them.
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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, XXXX, Equifax Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Financial, Inc. (NC)

Just Military Loans referred their debt to a collection agency who listed the debt as a collection on my credit. This date was listed in a Ch XXXX Bankruptcy prior to this. Just Military Loans was named in XXXX NC XXXX XXXX Bankruptcy and they allowed XXXX XXXX XXXX to buy account and list on my credit report. They have not removed the item after multiple attempts to remove it.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Office of Edwin B. Parry (UT)

Tried calling XXXX XXXX 's office to workout a payment arrangement and they were rude and demanded the full amount in judgement and refused to allow payments on it. XX/XX/XXXX they tried to garnish my entire check from a previous employment but we're not successful. On XX/XX/XXXX they had me summoned to court for more than the original amount owed by 3 times.
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. (CA)

Made a wire transfer of {$15000.00} transferred on XX/XX/2018 and it has not yet posted on my account. I tried multiple times and the company has not responded. It is on Coinbase through their XXXX platform. 

Case ID : XXXX
Consumer complaint received 2019-05-26
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. (HI)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NY)

On XX/XX/XXXX at XXXX A collection notice was just placed on my credit report. 
I immediatley call the agency American Profit Recovery speak to representative XXXX XXXX He informs me that 5 collection notices were sent regular mail to XXXX XXXX XXXX XXXX I asked what the zip code was he did not know, then says '' it's the XXXX so it must be XXXX '' The notices were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.He claims none of the notices were returned.i quesioned him on the zip code ... ..It did not correspond with the mailing address.Judging from his response I doubt the letters were sent.I did confirm my address he claimed the XXXX XXXX address was provided by the creditor XXXX XXXX XXXX. 
The manager XXXX XXXX intercedes admits there was a mailing error. Promised to remove the Collection from my credit report. I asked to have it removed immediatley because it will affect my credit ... I'm shopping for a mortgage. He says it will removed the next time they report. did not give me a dtae
Consumer complaint received 2019-04-17
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: Security Credit Services, LLC (FL)

SECURITY CREDIT SERVICES A COLLECTION COMPANY, ILLEGALLY PLACED A COLLECTION INTO ALL MY 3 CREDIT REPORTING BUREAUS DAMAGING MY CREDIT FILE. THE COLLECTION IS ( XXXX XXXX, AMOUNT {$1500.00}. 

THIS COLLECTION WAS IN MY CREDIT REPORT OVER 7 YEARS AND UNDER FEDERAL LAW WHEN THE NEGATIVE REPORTING REACHED THE 7 YEAR, IT WAS DELETED FROM ALL CREDIT BUREAUS. 

ON XXXX THE ABOVE COLLECTION COMPANY AGAIN REPORTED THIS COLLECTION AS A NEW DEBT. 

ALSO THEY VIOLATED FEDERAL STATUES FOR NOT GIVING ME THE RIGHT TO DISPUTE THE COLLECTION WITHIN 30 DAYS AS REQUIRED BY LAW, THEY JUST WENT AHEAD AND REPORTED THE COLLECTION INSTEAD AGAIN. IF THEY WOULD OF FOLLOWED THE LAW OF GIVING ME THE RIGHT TO DISPUTE THE COLLECTION, IT WOULD OF NOT BEEN REPORTED FOR THE 2ND TIME TO ALL 3 CREDIT BUREAUS DAMAGING MY CREDIT