davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (TX)

XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX  ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.
Consumer complaint received 2017-06-15
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. (AZ)

EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I attempted to use my credit card while traveling, but it had been shut down. I called capital one to resolve the issue, but they said that my account had been compromised. Additionally, they have repeatedly printed my name incorrectly on my credit card..My LEGALfirst name is a letter and a number ( XXXX ), yet despite repeated requests and numerous document submissions ( including a divine l certified court document ) they continue to print my name as " XXXX. '' This is NOT my name, and the phonetic spelling of XXXX is XXXX, which is also stated on the legal document. 

I am still currently traveling, and I spent nearly 2 hours going back and forth on the phone regarding the fact that my card was shut down and the name has NEVER been correct..then, they started demanding I resubmit MORE documents proving to them that my name was incorrect ( even though I had just done this less than 2 months ago ) .. 

Ultimately the representative forced me to shut down my credit card, and I am NOT happy about it..I paid an annual fee for this piece of garbage card with the worst customer service in the history of mankind, and I have never been able to properly use this card. 

I have a negative balance, and now I am stuck for the next 3 months in a foreign country with no access to my money. This is out of control!
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX
Consumer complaint received 2022-01-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (OR)

I received several emails from Citibank to make a deposit to open my " free checking account ''. I ignored and deleted the emails as " spam '' I then sent payment to Citibank on a " secured credit card '' that I do have with Citibank. The payment I made was {$100.00} on a {$200.00} credit card balance, on XX/XX/XXXX. 
I sent the payment through XXXX XXXX 's bill pay, which is an electronic payment. I also sent two other credit companies payments at the same time. 
On XXXX, XX/XX/XXXX, I checked the credit cards. All of the payments were received, posted and my available credit except Citibank 's. 
Then I checked my emails and saw an email from Citibank, stating that the funds available to my credit card may be withheld to a a negative balance on my checking account. 
I phoned Citibank but they were closed or I stayed on hold and no one picked up after an hour of waiting. 
I went to the mobile app and nowhere did it state that I had any checking account linked to my credit card nor any information regarding this " checking account '' I never opened. 
Today, XX/XX/XXXX, I received an email from Citibank stating that there was a monthly fee of {$15.00} charged to my checking account and since I did not have the money in the checking account I never authorized to open, Citibank was charging me an additional {$34.00} for overdraft fees for the {$15.00} in fees they charged me, therefore, demanding I submit payment in the amount of {$49.00} to put my account in good standing.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (NC)

XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  Property was missing critical and costly disclosures to new owners ; There exists a  4  foot diameter by  30  foot length pipe in a very long easement on the property. Former owners should have disclosed the problem area and future maintenance obligation. New owners are stuck with a sinkhole and a failing and costly Storm pipe repair. Will title insurance protect us from these costs? This seems like a huge ethical issue going forward. New buyers in my neighborhood should be informed of this huge cost before purchases, not after.
Consumer complaint received 2018-01-12
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. (TX)

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While no account was established the application left a fraudulent related inquiry on his Experian credit report. Attempts have been made to remove the inquiry as it is fraud related however even with a clearance letter from XXXX, Experian has verified a fraudulent inquiry as being accurate and factual which is a violation of federal consumer laws under the FCRA.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advantage Credit, Inc. (AZ)

I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. 

This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. 

I'm strongly requesting that it be removed immediately from all credit reporting agencies.
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

On XX/XX/2021, I paid a XXXX payment on the web to NEW REZ LLC SHELLPOINT. I requested to have the payment credited back to my account since I was refinancing. They stated they would. On XX/XX/2021, I see the XXXX was reversed on XX/XX/2021 and as of today XX/XX/2021, I have never received the money. I have called repeatedly and have been lied to, hung up on, promised the money would be back in my account, would be mailed to me (? ), credited to my account for the mortgage. Please check on this and let me know how can this be resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LOAN NUMBER XXXX
Consumer complaint received 2019-10-21
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. (TX)

I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on XXXX  as XXXX, and this shows on Experian as XXXX XXXX - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both XXXX  and Experian -- but shows as reported to the Credit Bureau of XXXX  on XX/XX/19 and Experian on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion should be taking steps to help alleviate this issue with XXXX fiasco. They deliberately tried to take advantage of this situation by making it harder to freeze everyones ' credit by selling their own services. This is highly immoral.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports transunion, XXXX and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My bank ( XXXX XXXX XXXX ) sent a SEPA payment of XXXX Euros to Coinbase on XX/XX/XXXX and one SEPA payment of XXXX Euros on XX/XX/XXXX. Coinbase stated that the name of my coinbase account was not the same as my bank account so said they would return the funds. They said these funds will be returned back to the sending bank within 1-2 business days. 
My bank advised me that these funds have not been returned. After providing Coinbase with additional payment details to make a SWIFT Payment on XX/XX/XXXX, may bank still stated they have received the funds. 
On XX/XX/XXXX, I received an email from XXXX at Coinbase to say that payment have been reversed. Again my bank has no evidence that these funds have returned. 
On XX/XX/XXXX, I had further discussions with my bank. They stated Coinbase need to provide the XXXX of the returned payment to they can investigate the payment from our end to try to locate it and get it returned. 
I have had no response from Coinbase since XX/XX/XXXXCoinbase case ID 's are XXXX, XXXX, XXXX
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

This is a formal complaint against CITI CARDS. I had a COSTCO CARD with American Express and CITI CARDS bought all the COSTCO portfolio. When I was with AMEX, everything was on automatic payments. When Citi took over the account, I received a statement from Citi that showed that an auto payment had been proceeded from Citi ( See attached statement ). After this I took off out of state to XXXX for work for a few months, where I kept using my Citi cards. All the while I didnt check my statements, given that I thought the auto pay was still in place. Months, late I receive a XXXX notice from a collection company stating the account was charged off by Citi and I need to pay the account off in full immediately. I just recently sent in my last payment installment to the collection company. I called CITI Cards for several days and spoken to a number of representatives, transferred me from one department to another and was provided with different information. One representative even claimed that I cancelled my account last XX/XX/XXXX 2016. I NEVER CANCELLED MY ACCOUNT. In fact, I was able to use my card last XX/XX/XXXX when I traveled. I was able to confirm that AUTO PAY is active and they took and AUTOMATIC PAYMENT FOR {$220.00} last XX/XX/XXXX 2016. I questioned them, why would my account was sold to collections if AUTO PAY is active and I ALWAYAS, ALWAYS have money in my bank? I have confirmed that they have my correct address and phone number and they said that auto alerts ( for payment reminders, auto payments etc ) were not active. I questioned them why I never received any call, text mail or even email to notify me of anything about the account and why, if they need my bank information, why they did not contact me. They just said that the transition from AMEX to CITI started from XX/XX/XXXX 2016 and took them until XX/XX/XXXX 2016 to complete the transition and they do not have my bank information. I went ahead and asked them again why they did not contact me to get information needed, they could not answer this either. This account should have never gone to collections. I ALWAYS have money in my bank. Ive had several accounts with Citi, loans, car loan, student loan which was ALWAYS paid on time. Even my credit report shows nothing derogatory not until CITI CARDS ruin my score!
Consumer complaint received 2018-01-12
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. (LA)

I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX, XXXX, and Experian. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, Experian, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2023-10-19
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. (NJ)

This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (NC)

On XX/XX/21 I submitted letters to XXXX and Transunion disputing accounts that were inaccurately reporting on my credit report. It has now been over XXXX days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please help.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation (SC)

World Finance s old an false account to  XXXX   XXXX   XXXX   XXXX . After to speaking with  XXXX   (   XXXX   XXXX   )  on  XXXX / XXXX /  XXXX   at  XXXX  she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance  in  XXXX  SC that location which I open the account and spoke with  XXXX  on  XXXX / XXXX /   XXXX    at  XXXX , she told me that account was renewed/paid out on  XXXX / XXXX / XXXX  then I reopen anothe r one t he same day. So why di d World Finance s ell this account to  XXXX   XXXX  which they are reporting to   credit bureaus as well?
World Finance will   not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to  XXXX   XXXX  to all credit bureaus. I had to pay off/renew this account which they sold to  XXXX   XXXX  before they would even give me another account!!!!   
World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f  or defamation and financial injury!!!
Consumer complaint received 2019-10-21
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: LEXISNEXIS (UT)

XX/XX/2019, Lexis Nexis has willfully lied and sent investigation results on XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX stating they contacted XXXX XXXX Courts and verified the above information. I contacted XXXX XXXX Courts on XX/XX/2019 and spoke to a supervisor named XXXX who stated to me Lexis Nexis never contacted them nor would they verify to a credit reporting agency any information as they are prohibited by federal law to do that. So Lexis Nexis needs to verify or DELETE immediately if they can't produce the NAME, CONTACT PERSON, and DATE they contacted XXXX XXXX courts to the CFPB portal. So I can contact the Utah attorney general office against the person who gave them this information. Please provide the proof or DELETE the above files from my lexis nexus consumer report immediately!
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Granite Edvance Corporation (PA)

Granite State Management incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and  interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.