davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (PA)

XX/XX/XXXX, my current card, which PA Unemployment payments are deposited at US Bank Reliacard, was declined for ATM withdraws and transfers to my personal checking account at XXXX XXXX. I called XX/XX/XXXX to find out what was wrong. They informed me as of XX/XX/XXXX, without notice, PA apparently changed withdraw and transfer amounts to far less then they where allowing XX/XX/XXXX which is the date I made transfers to my XXXX account because I was back funded a substantial amount for unemployment benefits from XXXX XXXX XX/XX/XXXX. They requested I fax them a copy of my driver 's license front and back and that it could take up to 10 business days to reinstate my account. I faxed the document XX/XX/XXXX. Waiting patiently for 10 business days, I called XX/XX/XXXX wondering why my account wasn't yet reinstated. They told me they never received the fax! I have confirmation the phone number they gave me received it. They said to use their website to upload the driver 's license and it could take up to 10 more business days to process. I did the uploading and did NOT wait 10 days to call them. I called XX/XX/XXXX, XXXX, and then XXXX. XX/XX/XXXX, they said they did not receive the upload and asked me to do a verify upload from my phone of my driver 's license and a selfie. I did that while they were still on the phone with me. It would take another 10 business days. I called again XX/XX/XXXX - their systems were down for routine maintenance! Who does that on a weekday? I called XX/XX/XXXX. They escalated it a 4th time which is an email to the department who processes the reinstatements. I called XX/XX/XXXX. I was told the department who processes the reinstatements posted a note to my account on XX/XX/XXXX a XXXX that I needed to be patient while they worked through the backlog of the faxes and re- fax my driver 's license and ssn card again! I did that. It costa money to get these faxes done. 

I have been patiently waiting over 30 days and counting for this to be fixed! No other source of income but the unemployment benefits. I have rent and other bills to pay. I am going into the hospital for a medical procedure and want this fixed before I do it. I have to pay late fees and additional interest. Not fair. Are they hurting because i can't get to money I am entitled to have and use? They should be! 

This is totally unfair. I seem to have to recourse, no place to go for relief. I can't work because of underlying medical conditions. Coronavirus closed my contract in XXXX, they did not restart and I have limited ability to find new contracts because of coronavirus. There is nothing locally. I have applied everywhere for everything. I am over qualified. 

I have a file to share showing my documentation of the situation. 

I provided the card number as requested however everytime I enter it on US Bank Reliacard called system it says it it inactive and the customer representatives have to look it up on my ssn. 

Please help!
Consumer complaint received 2017-12-06
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: SYNCHRONY FINANCIAL (PA)

Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with syncrony bank/ XXXX  XXXX that is in collections and showing up on my report.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MD)

CAINE WEINER is claiming that I owe them {$280.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was trying to sell a knife set online. I was approached by a XXXX XXXX who agreed to pay the full price of the set : {$2000.00}. He then sent me a cashiers check of {$3400.00} and told me to transfer {$1400.00} to a XXXX through XXXX. I sent the payment to the supposed shipper and check my account to find that the check bounced. And when I contacted the shipper they declined the refund.
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 — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (SC)

I have a loan with XXXX, ACIMA CREDIT XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-03-25
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. (GA)

My name is XXXX XXXX XXXX. I filed bankruptcy last year. My bankruptcy has been XXXX months ago but my credit report still has previous debt. I have contacted the creditors and credit bureaus. The information is still there. I need help resolving this problem.
Consumer complaint received 2020-07-13
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. (CA)

XXXX, Equifax, and XXXX refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, Equifax, and XXXX to have them remove the account due to inaccuracy. All three agencies ( Equifax, XXXX, and XXXX  ) stated that they verified the  information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my Equifax, XXXX, and XXXX  credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX  / XXXX XXXX XXXX to settle the debt XXXX ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency did not delete collection information, negative accounts and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2 . XXXX 3.XXXX 4 . XXXX InQuiries 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5. XXXX 6.XXXX 7.XXXX 8. XXXX 9. XXXX 10.XXXX 11.XXXX 12.XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (IN)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (ME)

My mother was still the custodian of an UMTA minor account even though I am of age of majority ( XXXX year ) when she passed away. I did not transfer custodianship to myself within the three months allotted by the financial institution. They will not allow me access to the funds or the account without court issued transfer of custodian in spite me being beyond the age of majority.
Consumer complaint received 2017-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

I signed a contract with XXXX XXXX to assist me with modifying my mortgage loan. I was informed by my account manager with the company XXXX XXXX that I was entitled to a full refund if the modification was not successful. The promise of a full refund was my main reason for signing the contract to do services with this organization. In the end the modification was denied and I was referred to other agencies and other services which required more money however the modification was denied and my home went into foreclosure. I went to the company owner XXXX XXXX, he stated that the company was now out of business and that I will not be receiving any refund. After doing more research on XXXX XXXX, I later learned that he has opened several companies such as this and he has taken money from unsuspecting consumers and left them in an even worse situation. 

Please help me put an end to this gentleman 's scams and obtain a refund for myself and other helpless consumers. Please contact XXXX XXXX at XXXX or XXXX.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

I scheduled a payment in full when applying for loan. The loan amount was {$390.00} and was a payday loan with an approved ach for the full amount on the due date as part of the application. When due date came they charged me a non-payment fee and continued to do so every 2 weeks a total of 3 times instead of taking the full amount. No reduction of principal or balance was made as a result of payment of the fees. I ended up having to pay the full amount of the loan plus {$270.00} in fees they debited from my account as a result. At no point in time was any notice provided that these {$90.00} fees were being assessed. 

I did several loans with this company previously and had no issues with the full payment being deducted at the due date as requested during the application process. This was a change in service and clearly meant to get far more than the agreed amount from me as the customer. 

To make matter worse when I called to figure out what was going on after noticing the full amount hadn't been deducted and that there were instead 3 {$90.00} charges on my account, I was faced with someone who informed me that all this was within the terms of the contract. Further the individual I spoke with would not answer a direct question asked over a dozen times " are you going to help me or not ''. Instead the representative kept repeating the supposed terms of the agreement, which I am unable to review. Even when asked multiple times just to give me a yes or no answer if they were going to help. 

I do not dispute that the terms allow for late fees. I DO dispute that I did not request payment in full be ach deducted from my account. I DO dispute that I should have been assessed any late fees. I DO dispute that no payment at all was applied to the balance due when changing the fees. Further, their website does not allow for review of loan documents once the loan is approved. So I have no way of verifying any claims from MyPayDayLoan. 

This customer service experience is one of the worst I've ever had. My Pay Day Loan has done nothing short of stolen {$270.00} from me.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (IN)

Bill Negotiator by experian. The way they have the picture laid out on the service shows that you will pay a {$16.00} fee for a {$500.00} savings for them negotiating your cell phone bill so I signed up and gave them my debit card number. I even thought it was such a great deal that I went ahead and started signing up my second account. But in fact for example upon looking past the tricky way they have it laid out if they saved you {$500.00} a year on your bill they would charge you a {$200.00} fee!!!! That is a ridiculous amount. So quickly on the second one before I hit submit I was able to delete my 2nd bill. However when you go to cancel the first one it says it can not cancel it because it is already in progress then it says your negotiation will begin in 3 to 7 business days. Well obviously that to me means that it is not in progress it has not been started and my money should be properly refunded. They are to be ashamed for a credit card company to proclaim that theyre actually trying to help people w bad credit loose any money they have left and cause them more bad credit!!!
Consumer complaint received 2017-12-07
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: TD BANK US HOLDING COMPANY (FL)

I began disputing the TD Bank, NA account that is reflected on my credit report, in XX/XX/XXXX with XXXX Credit Bureau. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising them that this account did not belong to me. As the report ( see attached ) from XXXX themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that XXXX delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XX/XX/XXXX, I contacted XXXX by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact TD Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted TD Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my XXXX report. To my dismay, I was placed on hold in excess of 3 hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/XX/XXXX, I again contacted TD Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

There are 2 Affirm accounts reporting on my XXXXXXXX XXXX XXXX : one that has a balance of {$400.00} and the other account has a balance of {$75.00}. These are not my accounts can you please assist in getting them removed. I don't know where they came from. It may have been a mistake on the creditors end but all in all, please remove them.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (SC)

I have spoken with all three credit bureaus in addition to the companies involved I sent paperwork proving that I did not open these accounts. Also, there are addresses that are on my credit report that I have never lived at, still, the credit bureaus refuse to remove them from my credit report. I placed a fraud alert on all three of my credit reports, but still, accounts are being opened without notifying me.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

I was contacted via cell phone. I was addressed by the wrong name. I was accused of owing for a XXXX XXXX account. I explained to them that I have never had XXXX XXXX. He kept disputing with me and I hung up the phone on him.
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have an account open with the company Coinbase where I bought {$300.00} of bitcoin at the price of {$9600.00} per coin, so I received XXXX bitcoins. I noticed that on XXXX XXXX, when I tried to log into my account it said " your account is temporarily disabled '' and I was unable to log in to my account. I contacted the Coinbase customer service line, XXXX ( XXXX ) XXXX and spoke with a representative who said " Some red flags were raised on your account, but I do not know what they are, I have forwarded your case on to a specialist who will work with you to reopen the account ''. Since then I have received no contact from the website that would indicate that they are working on my case. I called again today XXXX XXXX, and spoke with another representative " XXXX, '' he said that he raised the priority of my case and that I would receive some type of response before Monday. It is a bitcoin exchange, and due to the time sensitive nature of fluctuating bitcoin prices, I need to be able to log in if I want to sell my bitcoin. I have read on the internet that many people have this problem ( i.e. " account temporarily disabled '' and Coinbase taking multiple weeks or months to unlock their accounts ). I find it highly distressing that Coinbase is not working to resolve this issue expeditiously. And I stand to lose money if the price of bitcoin goes down and I am not able to sell my units.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (NY)

I purchased a phone from XXXX through XXXX XXXX XXXX. I read their terms and conditions and then I finished my purchase which led to them automatically applying for a XXXX XXXX XXXX XXXX on my behalf. I was notified that my XXXX XXXX XXXX XXXX was approved with {$3200.00} credit line. I was given an account number and I am registered in their system. I got the confirmation for the purchase and was notified that the order will be delivered within 2 business days after shipping. XXXX never shipped the phone! After waiting a week, I talked to XXXX customer service and they told me there is some unknown issue with the XXXX XXXX XXXX XXXX and I have to talk to them and advised me to cancel and reorder. I eventually canceled the order and tried to reorder in their website but it wasnt working, telling me that I dont have any credit line available in my account. I checked my account and it was showing {$0.00} credit line available and no record of any purchase or transaction on my account. Then I talk to TD Bank and they said the problem is not from their side and my account is under review and they are waiting for XXXX to confirm my order and there is nothing they can do about it. They kept passing me to the other party, XXXX and TD Bank, and none of them was taking any responsibility for the matter. Right now, I have a credit account opened in my name with {$0.00} credit line and a hard inquiry on my credit record as a result. It seems that they prefer to do nothing about it. I didnt get the product I ordered. I didnt get any credit line. Just an account opened in my name with zero use for me. 

I checked XXXX online forum and there are so many people having the same issue and they all got nowhere and very unhappy about it. It is definitely a known issue for them, XXXX and TD Bank, and it seems they decide to ignore and not recognize it. 

Here is some other people who experienced the same thing and got no help : https : XXXX https : XXXX https : XXXX https : XXXX
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MS)

About Citi AA Credit card. 
In their website, it is stated that Plus new cardmembers can earn up to {$100.00} in statement credits on eligible XXXX XXXX purchases in the first 12 months of account opening. See website : XXXX But I never got this XXXX credit back to my account. Today, I called citi. The agent played word game with me. He said that " new member '' is not a new member to citi AA credit card but CITI credit cards as a whole. If I applied any Citi credit card, I am not eligible for XXXX dollars credit back.
Consumer complaint received 2023-01-26
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)

Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX - OPEN Balance {$750.00}. 
Acct Status : OPEN Remarks : Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time..
Consumer complaint received 2020-11-30
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. (OH)

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.