davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Consumer complaint received 2018-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

I submitted an application to open a checking account. The bank sent me a card and I activated it and started making deposits. I deposited {$470.00} in total. 

However, the account was locked because I apparently had not submitted some additional documents - Social Security card, utility bill. Unfortunately I need to order a replacement social security card and won't have a utility bill with my current address for a few weeks since I just moved. 

So I called Citibank and asked if I could just close my account and get my funds back since this was really too inconvenient for a bank account that was supposed to be a convenient way of tracking weekly spending. They said I could go to a branch and close the account and receive my money. 

I did that and the bank refused to give me my money, claiming that they would not distribute my funds until I provided my social security card and a utility bill. 

I believe it is patently unjust that an account would be active enough to accept my despisers but not active enough to give me access to my funds. I just want to get my {$470.00} back and be done with Citibank.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have mailed XXXX on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that XXXX investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



XXXX XXXX XXXX
Consumer complaint received 2020-09-14
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. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (CA)

Sun trust bank has held onto my funds since XXXX after they said my checking account was being closed. Since that time period its been under review before closing the account which was already supposed to be done in a timely manner. I have called them repeatedly to get updated on closure customer service says its still under review everytime I have called since XXXX..this is obviously a serious problem with closing the account and returning my money to its rightful place.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I received a letter from XXXX XXXX regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with XXXX  that they sent the report to Equifax on XX/XX/XXXX. In the letter attached, it clearly states that XXXX is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my XXXX account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that Equifax and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called Equifax on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that XXXX XXXX did not send them any information to clear up my records.  I went on for 6 1/2 hours going back and forth with XXXX and Equifax! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with XXXX XXXX. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to Equifax today. The agent informed me to reference this number when I called Equifax. Again, once I spoke with the agent from Equifax, he would not accept, confirm or deny the AUD # and continued to direct me to contact XXXX XXXX to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!
Consumer complaint received 2022-04-05
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. (NY)

I have mailed XXXX on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that XXXX investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX/XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

I was shocked to find late payments on my credit report. It's unfair because I have NEVER missed a payment. 

30-days late XX/XX/2019 30-days late XX/XX/2019 I'm not sure how this happened. I believe that I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2018-03-30
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: U.S. BANCORP (NC)

I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.
Consumer complaint received 2020-06-28
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)

The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield and associates keeps calling everyday at least 10 times a day repeatedly, and I have told them to stop contacting me because my hours of work are   XXXX   XXXX   to   XXXX   XXXX   and when I get off of work it is inconvenient for me to get a call so late at night.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Im making a complaint against XXXX XXXX XXXX XXXX For some reason this account ended up on my experian report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau experian this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau experian the truth, its not mine and needs to be removed
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

I have had the Paypal card for several years. 

I have always paid on time, never once missed a payment. I use the card regularly and have never had an issue until now. 

My account was closed. No reason was given other then it was a business decision. However, I had earned a substantial amount of cash rewards. These rewards can be redeemed directly into the corresponding paypal account. I usually redeem these rewards every few months, there is no deadline. 

When they closed the account, they seized the cash rewards I had already earned. These are not pending rewards, they are rewards earned from the last few months. Again, I have not been late or missed any payments on this card. 

I have no control over whether a credit card company wants my business. However, using the financial gain of seizing rewards I had already earned as a primary reason for closing the account is fraudulent.
Consumer complaint received 2020-06-28
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)

The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I have 3 collections on my credit report from AmeriFinancial Solutions from XXXX XXXX XXXXXXXX XXXX P A. They are in the amount of {$830.00}, {$830.00}, and {$570.00}. I believe one of the {$830.00} is a duplicate. I do not have full account numbers but they end in XXXX, XXXX, and XXXX. The two {$830.00} claims started XX/XX/XXXX & XXXX, XXXX. The {$570.00} claim started on XX/XX/2017. During this time I was on a XXXX plan and should have had coverage for all of these bills according to my insurance plan. When I found that these were on my credit report I was to work with my insurance provider because the debt had already been sold to AmeriFinancial Solutions. The reason I was told the bills were not covered is that XXXX had a record of Me moving out of `` county '' and that simply did not happen. I can verify all my addresses and they all reside in " XXXX County. '' I did not receive a single letter regarding my debt or a letter that I had debt and a way to dispute It. XXXX will not do anything for Me regarding this matter. I would like these debts removed from my credit report as they were incorrectly labeled as debt when my insurance provider should have covered the bills.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (GA)

I have been disputing an ongoing issue with XXXX, Experian, and XXXX that has been going on for well over a year. XXXX, Experian, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, Experian, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, Experian, and XXXX are in violation of XXXX. XXXX ( XXXX XXXX. XXXX ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (PA)

Hello, BinanceXXXX is a cryptocurrency exchange. I have attached a file with all of the information I could find on this company, including address, parent company name/info, etc. 

I have deposited {$1000.00} over several separate transactions and used the money to buy multiple cryptocurrencies. As of this email, I have over {$1800.00} based on the current trading prices. 
About a week ago, binanceXXXX locked my account with no real explanation. Any trade, deposit, or withdrawal transaction that I try generated an error that my trading is suspended ( screenshot attached ). I received an email with instructions to upload a video, a copy of my ID, and a bank statement in order to unlock the account. All of which I have done and since then any of my emails to the company are not returned. They have no phone number listed, no direct email to customer service, no way of talking to a real person. Everything is done through 3rd party customer service website by opening a service ticket. My ticket number with them is XXXX. 

At this point, I just want to be able to withdraw my money and close my account. If there is anything you can do to help me deal with this company and let me access my money, would be greatly appreciated. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NC)

There were multiple issues that I had with NetSpend this previous week. It starts on Monday XX/XX/2018 I realized that there were multiple charges that were made on my accnt that were not mine and I disputed such charges. I also disputed a charge for an ATM withdrawal where as usual no money came out and I was still charge the amount. So I disouted such charged that totaled over XXXX dollars and was advsd that I would get a provisional credit in 10 days. Ok thats fine however I called them to order a new card and paid to have the card express shipped, Which was done. However once I received the card I could not activate the card. I called in and was advised that the card was closed and my balance wa mailed to me which means that every dollar that I had no longer is accessible and once the credits are placed on the accnt that they are going to have to mail that check as well. All I am looking for is the money that belongs to be overnighted in a check to me and no more dealings ever with Netspend. This has been the worse exeperience ever.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting a payment as late over 90 days from XXXX, XXXX, and XXXX of 2018 on my credit report. The payment was late due to a problem getting the autopay to work through their website, which was not my fault. I couldn't get the autopay through my bank to work either, though it works for all of other recurring bills. Once an agent from Capital One was finally able to get it set up herself, the payments started drawing. I did not realize that one payment was missed and sat overdue in the confusion. They didn't notify me of this, either. I have attached the receipt from XXXX and the bill reminder from XXXX, neither of which mention an overdue amount. When an agent called me in XXXX and advised me of this, I paid it immediately, but they are unfairly reporting late payments which were not due to my error, but to their own problems getting the payments to go through even though I made every effort to use their system and received messages that my auto-pay setup was complete. 

I have contacted Capital One, and one agent admitted to me that what I'm saying is reflected in the call logs, but that she couldn't do anything about the problem. They escalated the issue to " the President 's Office '' but all they have done is send me multiple copies of my promissory note and payment history. They won't listen to the real issue. This was an error by Capital One and I have a good, clean, on-time payment history other than when they were having this issue. They are unfairly hurting my credit history report. 
I am not disputing that I agreed to pay the money, nor the dates when the payments were received. My problem is that the reason that the payments were late is not my fault as I was trying to use the systems that Capital One provided, but through no fault of mine they wouldn't work. I couldn't get the payments to go through. I want them to do the right thing for a long-time customer and adjust this report since this was not my error.