davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
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: CITIBANK, N.A. (NC)

I have an XXXX CitiCard which was closed in 2014. It is being reported as Inactive rather than closed by XXXX. I have contacted XXXX several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked Citi on numerous occasions to report the account to XXXX as closed which has not occurred.
Consumer complaint received 2021-03-02
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (CA)

I booked a rental car in XXXX for XX/XX/2019. The reservation confirmation email ( attached ) shows the booking confirmation for the reservation with the total cost of the rental car {$280.00} - which I have paid in full. A deposit of {$56.00} upon making the reservation and the balance of {$220.00} was due to be charged to my card. Instead XXXX charged {$340.00}. I disputed the additional {$120.00} through my credit card, an appropriate channel, and XXXX did not respond to the dispute or justify the additional charges. See letter from credit card company dated XXXX XX/XX/2019. If XXXX believed the {$120.00} overage was due them they had 90 days to respond to the letter from my credit card company which they did not do. XXXX XXXX ( my credit card company ) found no liability for the {$120.00} and reversed the charges on my credit card. 

I have paid the agreed upon amount ( {$280.00} ) in full and no claims of outstanding monies owed are justified. 

Now XXXX has handed this {$120.00} debt off to Cedars Business Services for collection who sends constant emails ( and I believe phone calls, although they will never leave a message ) despite me giving them the facts of the case. 

My credit is impeccable and as you can see from my credit report, I pay legitimate amounts I owe in a timely manner. Always.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid {$580.00} to pay off a credit card balance. BANK OF AMERICA BILLED ME 4 TIMES. YES, 4 TIMES {$580.00} I have tried since day XXXX of the problem to contact and resolve the matter. They are non-respondent. XXXX Bank to say the least!!! They refuse and will not show proof they refunded the {$580.00} 3 times as they legally should have. Instead, they ignore me and will not do their job ethically. I ONLY OWED {$580.00} XXXX TIME NOT 4 TIMES!!!! I AM TIRED OF THEM STEALING MONEY FROM MY BANK ACCOUNT.
Consumer complaint received 2020-07-24
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FAIR COLLECTION AND OUT ( I assuming its a collection agency ) call me several times to collect the amount of {$2400.00} and {$500.00} claiming that I owe that money to XXXX XXXX XXXX XXXX locate at the state of Virginia and I explain a thousand times that I never live in Virginia State, every time that they call they try to collect my information with the excuse to verified my information but I never give to then. 

I don't Know how I can stop this collections ... they also report to my Credit and its affecting me big time, they don't want to hear what I said when I explain that its a Fraud and they still calling me and reporting to all credit boar. 

Please How can I stop this FRAUD on my Credit Report?
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I started a " cash out '' refinance of our existing mortgage with Wells-Fargo (  whom I have been a customer with since XXXX ). I began the process XX/XX/XXXX and worked over the last 3 days an average of 4 hours a day to provide, process, expedite and finish the application. Every form, every document I signed, read, discussed was as a " cash out '' refinance and our loan application even showed us with a cash balance due at closing of some {$40000.00} +/-. We locked in the rate yesterday ( XX/XX/XXXX ) and paid about {$530.00} for the lock in, credit report, and appraisal. Today ( XX/XX/XXXX ) our agent XXXX XXXX XXXX ( who sometimes likes to give his mortgage license number but hasn't in the last 2 days ) called to say " He made a mistake '' and our lock in rate of 3.625 % would not be honored because he forgot it was a " cash out finance '' deal. He offered to put us in at a 4 % rate. This is clearly a case of bait and switch. I demand satisfaction and nothing short of this individuals license revocation will satisfy me.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MN)

They suddenly came back and re-charged me for all of my previous purchases on my debit card, resulting in being charged twice for every single one. Since XX/XX/XXXX, I have purchased exactly {$500.00} worth from Coinbase using my XXXX debit card. You will see in the screenshots, that I was charged a total of {$2000.00} within the past 2 days.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX 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 2021-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Hi this is an on going issue that has been going on since XX/XX/XXXX. Chase has closed this case because they feel I had something to do with this. I had fraud activity going into this account. They took my paycheck to cover the funds. I feel that Chase did an extremely poor job on investigating this matter. They want me to pay the remaining balance of something I had nothing to do with. 

I still get these emails saying someone is trying to access this account. This is clear that these scammers are doing this and you guys don't want to rectify this situation. They want me to pay for something I didn't do. This is the third email I got about regarding an account that I no longer have access to or the card. I cut the card up once you guys failed to help me on this. Attached is the email I received. I can't pay this amount because I'm currently losing my apartment which is a result of this nonsense.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, I received an e-mail stating that if I didn't make any payments, my card will be suspended 30 days from the date. On XX/XX/XXXX I submitted a payment, and it posted on the XXXX. On XX/XX/XXXX I submitted a payment for XXXX dollars. And it posted on the XXXX. On XX/XX/2020. I was notified that my card has been restricted. I called Capital One, and they said that my account was suspended after I made the first payment on XX/XX/XXXX. However, by then my car was on satisfactory statues. They also continue to applied late fees and interest charges. I spoke to two different people looking at the same screen and they both provided with two different answers. Per the e-mails that I have received from capital one my account closure was unjust.
Consumer complaint received 2019-03-19
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: WELLS FARGO & COMPANY (OH)

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Consumer complaint received 2019-03-19
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: HUNTINGTON NATIONAL BANK, THE (OH)

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Consumer complaint received 2020-07-24
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. (NJ)

XXXX credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and exper and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AR)

Late last year, I received a letter from a collection company called Phoenix Financial stating that I owed {$1200.00} to a company called XXXX XXXX XXXX. Shortly thereafter there appeared entries on my XXXX and XXXX credit reports as well. I contacted the collection agency via is mail in XX/XX/2018 asking for specific information about the alleged debt, as I had never heard of any of the companies involved and in no way felt it could be owed by me, and that if they could not verify the information as requested the were to cease communication and remove the credit reporting entries. To date there has been no further communication from Phoenix, yet they still fraudulently continue to report the account that isnt even mine to the above referenced reporting agencies. I would be happy to provide you with a copy of the letter that I mailed back in XXXX as well. Please have this company stop reporting an account on my reports that doesnt belong to me.
Consumer complaint received 2018-03-07
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: CITIBANK, N.A. (WI)

onXX/XX/2017. I received a statement saying that I had a refund coming to me. In the amount of {$450.00}. The refund was because Citi card had improperly charge too much money or interest on a product that would pay your credit card balance, in the event that I would get sick, hurt or lose my job. So some government oversight group made Citi refund back monies for that product. Due to what ever they did wrong? So after 2 months I never saw the refund check. I called Citi 4 times. 1 call was brief. And they would check on the status. They said I got the money and the check was cashed. I went to My bank and researched no money was processed. 3 other calls were made At Painful length. I got a copy of the check. It was not my signature..and I had not cashed it. I tried working with Citi for a Fraud or  illegal cashing of the check. I asked for the record of what bank cashed the check.. so I could start to figure this out. They Can't tell me who cashed it. 
I told them the endorsement of the check was not my signature, and that I still want the refund coming to me. 2 Times they sent me the check copy when I asked for resolve. So they keep going to step 1.. and their investigation team was going to look deeper for answers..And I have heard nothing. Now their in the news for charging a High Default rate for extended lengths of time.. I did make some late payments due to work issues.. So I may fall into that category as well. But one thing at a time. Very frustrating ...
Consumer complaint received 2019-03-19
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: WESBANCO BANK, INC. (OH)

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Consumer complaint received 2018-03-07
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: JPMORGAN CHASE & CO. (MD)

Chase Card  has been inquiring on my credit every few months for the last two years. I was a customer from XX/XX/XXXX - XX/XX/XXXX but have had no relationship with them since that time. I filed a dispute with the credit bureau in lateXX/XX/XXXX but there was another inquiry. These are hard inquiries against my credit that I did not initiate. Dates are showing as XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. This has the potential to impact my credit score. 

I am also on the opt out list for promotional offers.
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (NC)

My husband and I recently separated. On XX/XX/2019, I paid my car payment ( {$620.00} ) out of mine and my husbands joint account. On XX/XX/XXXX, I noticed the payment had been reversed and put back into our joint account. I called Navy Federal Credit Union and found out he had called and reversed the payment. On XX/XX/XXXX, I transferred the {$620.00} to my account ( his name is not on that account and has never been on that account ) and paid my car payment again. When I checked my account the next morning, the payment had been reversed again. This time, the money went back to an account that I do not have access too. Therefore I was unable to get that money back. NFCU told me that since his name was on the loan, that he was entitled to the money on that loan. However, my problem is that when the payment was reversed, it should have never been put into an account other than the one that it came out of. I spoke with a few different people at NFCU and was never able to get this resolved.
Consumer complaint received 2019-03-19
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 (OH)

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.