davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Opened a checking account with Citizens Bank online after discovering a sign on bonus of {$300.00}. The criteria- one {$500.00} deposit within 60 days of opening. 
Opened the account with the {$10.00} minimum deposit amount XX/XX/21 On XX/XX/21deposited {$500.00}. 
Since then- Ive had amounts from $ XXXX direct deposited into the acct. 
I have called several times recently and can not seem to get a person. Only an automated system when dialing the contact us number provided on the Citizens website. 
I was thinking of completely switching over from my main bank but I have reconsidered. 
It says I shouldve received the bonus within 90 days of my qualifying deposit. That wouldve been XX/XX/2021.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We received a prepaid XXXX  gift card and are unable to use or register the card. The website ( XXXX  ) doesn't work and calling the number on the card ( XXXX ) leads to an automated system that never answers. We are unable to reach anyone to resolve the issue.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IN)

this company has wrongfully damage my credit. i have attempted to have them remove this report because it was opened by my ex wife. they have failed to submit to me, in a requested timely manner, proof that this account is mine therefore violating federal law and committing fraud. i am prepared legally to fight this and will take any and all actions against this company. they are smart enough to know that they can not just enter things on a credit report because they feel it is my account.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I am being sued by XXXX XXXX for failure to pay taxes in XXXX ; and in XXXX. My bank, M & T Bank has escrow to pay taxes and insurance. It appears that M & T Bank has failed to make the tax payments.
Consumer complaint received 2018-03-03
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: Nelnet, Inc. (NE)

On XX/XX/XXXX I submitted a dispute with XXXX about 5 Dept. of Education/Nelnet accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 US Dept. of  Ed/XXXX/XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my XXXX  and XXXX   report as well.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

We suffered a flood which resulted, after several months, in an insurance payment. The insurance proceeds required endorsement of the Mortgage Company and the check was received by the mortgage company on XX/XX/2021. Mortgage company has been opaque in its communication, having failed to provide their procedures and refusing to communicate. Repeated calls to the " Loss Draft Department '' result in rude non-answers and the various representatives seem intent on continued delay. Despite having received the requested documents on XX/XX/2021, we were advised in a follow up call on XX/XX/2021 that additional information was needed. That information was immediately provided notwithstanding the mortgage company 's failure to follow up and request the additional information they desired. 

Initially, we were advised that this would be resolved by XX/XX/2021. On XX/XX/2021 the representative now advises that the " quick endorsement '' would likely not be completed until XX/XX/2021.
Consumer complaint received 2020-11-23
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)

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I dam not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (TX)

I paid my Avant card off as off XXXX. Recieved a bill afterwards on the regular statement date of the XXXX of the month for {$12.00} for interest on XXXX due by XXXX. Sent check for said amount on XXXX. They told me they received the check 13 days later on XXXX. They processed my check and my bank paid it on the XXXX. As of today the payment is still pending, I've received a late fee, and they tell me it will be another 14 days to be applied thus causing another late fee. So in this instance they tell me it took 13 days to receive the check and so far more than 18 days for it to be applied to my account. With their intentional delays ( total of 31 days and counting ) they are trying to make people that have paid their accounts off into a permanent payer.
Consumer complaint received 2021-10-22
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. (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (UT)

Deceptive advertising by chime falsely claiming that banks place a hard inquiry on your credit report when opening a deposit account with them through the three major bureaus, XXXX, XXXX, and XXXX. This is false, as most banks only do a soft inquiry on reports from the major credit bureaus. This misleads customers that dont want their credit report to be affected to think that they should open an account with chime because, chime does not check credit history, when in fact almost every bank does not make a hard inquiry on consumer credit reports for deposit products, i.e . checking, savings, etc. 

Link : XXXX XXXX XXXX
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

This company keeps harassing me telling me my credit will suffer and nobody will lend any money when i need it. They also keep telling me ill regret not paying them. They call and call and call all day and night they dont leave me alone and ive tried to dispute this with XXXX  and i dont think they take me serious ... they need to be dealt with i believe because they side with the company as if they know the details of the harassment!
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

I have been using my same coinbase account since XXXX. In late XXXX buys were locked on my account and I submitted a ticket on XX/XX/XXXX ( Case # XXXX ), the issue wasn't resolved for three whole months, they didn't even respond to my initial ticket until XX/XX/XXXX. However, my purchasing/depositing abilities were restored and up until now, I have been using the platform with no issues. However, two weeks ago, buys/deposits were randomly disabled on my account again with no explanation. I submitted a ticket ( Case # XXXX ) on XX/XX/XXXX and now support is claiming that I am BOTH not eligible to purchase crypto AND my account isn't eligible for a review until the end of XXXX ( XX/XX/XXXX ). They also explicitly state that they " are not able to elaborate on this decision-making process. '' They have restricted my account with no rhyme or reason and it is now virtually unusable.
Consumer complaint received 2018-03-03
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: CORELOGIC INC (CA)

Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a Visa Card issued by Bank Of America. I recently noticed they are charging my balance with the highest interest rate for Cash Advances. The problem is I have never made a Cash Advance on this card. I called the bank and they looked back of charges for the past 7 years and didn't find any but since they can't go back any further basically said " too bad '' Just out of curiosity, looked at another statement from this bank and they are doing it on this one too. Again, I have never made a cash advance on any card in my life! Thanks for any help you can give me. XX/XX/2020, charging cash advance interest on purchases {$8000.00}
Consumer complaint received 2022-11-16
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. (MO)

I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX  Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NY)

What a horrible experience with this store card this bank gives me awful experience from waiting for a letter to verify my indenting yk sending my card Ive waited weeks and havent received my card when I call they refuse to expedite they have me waiting thjs long after approval its ridiculous
Consumer complaint received 2021-06-01
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: SYNCHRONY FINANCIAL (TX)

I applied for paypal credit through XXXX because it was an option. Once I was approved for a XXXX credit score I could not used the card because it showed the purchase as being to risky. So I ran my credit which hurts my score for a card that I only got for this purchase because my phone is taking a XXXX on me. I think the fact that they are on XXXX XXXX but wont let a purchase go through is misleading and causes people to run their credit for no reason. I would have never run my credit had I not been able to use it.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX {$1300.00} ( XXXX ) XXXX XXXX XXXX {$540.00} ( XXXX ) XXXX XXXX XXXX XXXX {$8100.00} ( XXXX Reached out for documentation associated with the status of the accounts.Looked at my consumer report and we all closed and charged off.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE BANK has again violated my rights and has openly admited to knowingly and willingly dicriminationg against me based on information they recieved from a third party agency without my consent or knowledge. I DID NOT ask CAPITAL ONE BANK to re- evaluate ANYTHING in my previous complaint. Yet they took it apon themselves to ignore the actual complaint and violate my rights under FCRA. I did not consent to Capital one sharing my personal information with any third party credit monitoring agency. I applied for credit using the information necessary to do so. CAPITAL ONE gained from using and sharing my information and then denied me credit. When asked to provide information on why this happened, They proceeded to AGAIN share my personal information with a third party non government agency without consent and deny me for a second time. This is unauthorized use of my credit information.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (MN)

I received multiple emails reported under spam in my email account, from pinnacle credit services. The company stated that I owe the amount of {$190.00} from a previous debit with the company XXXX XXXX XXXXThe email stated that the account went into default in XX/XX/XXXX and was charged of on XX/XX/XXXX XXXX middle initial is not correct in the statement as mine starts with R not L. The year i was born in is XXXX, and in the years of XXXX to XXXX I would have been around the ages of XXXX XXXX years old and unable to open any accounts till at least 18. I have 30 days from XXXX to dispute the claim. I am concerned if there was any identity theft.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NC)

I received an email to my work email from an account that said it was my boss. He asked for my help on a task and for my phone number. I gave him my phone number and he texted me from the number XXXX. He asked me to purchase XXXX XXXX XXXX on his behalf. I purchased nine, {$200.00} on his behalf. I then found out that this wasn't my boss and that this was a phishing scam. My bank has rejected my fraud claim twice and has refused to give me the {$1800.00} back. When I realized this was a scam, People 's said that they could not because my ID from when I opened the account in XXXX ( my passport ) was expired, even though I provided People 's with my up-to-date passport back in XXXX when I got a new debit card from them. When I realized this was a scam, the charges were also still pending on my account. However, People 's refused to take any action on these pending charges.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

A company called my husband and I about applying for a loan after we were trying to apply with a different company who we trusted, we are first time home buyers and had no idea what was happening, a woman answered and connected us to an agent and the agent made us pay {$500.00} to lock in a rate they never disclosed to us that the {$500.00} was not refundable if we did not close the loan with them. They said it the disclosure was listed when we entered in the payment information though I never saw that and they never pointed it out verbally. When I asked them for the money back they refused.
Consumer complaint received 2022-07-20
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. (FL)

I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc. (TX)

I HAVE BEEN TRYING TO CHALLENGE THE REPORTING OF THIS ACCOUNT TO THE ONLY CREDIT BUREAUS REPORTS THIS TO VALIDATE THIS DEBT, IT'S BEEN 2 YEARS AND I AM STILL SUFFERING WITH THIS ACCOUNTS REPORTING. I HAVE SENT NEMO COLLECTION A DEBT VALIDATION ON XX/XX/2020 WHICH THEY REFUSED WI/ TRACKING # XXXX AGAIN SENT A MAIL WITH TRACKING # XXXX WHICH THEY REFUSED AGAIN. HOW CAN THEY KEEP REPORTING THIS ACCOUNT WITHOUT VALIDATING THIS DEBT THEY CLAIM I OWE. IN ADDITION TO THAT I HVAE PROOF OF MY CREDIT REPORT WITH RANDOM MONTHS THAT SHOWS BALANCE IS CHANGING. THIS IS A VIOLATION! PLEASE HELP ME REGARDING THIS ACCOUNT. I AM TIRED TI DEAL WITH THIS COMPANY. THANK YOU
Consumer complaint received 2021-10-22
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. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of 21. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I'm in desperate need of this account being removed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (NJ)

I have used the access via XXXX to request my credit reports. Every year since XXXX, I tried doing so with Equifax, and I have never been able to obtain one online. Equifax always responded with " Online Delivery Unavailable ''. The other 2 Credit Bureaus ( XXXX XXXX XXXX ) are able to provide my online credit reports every year.
Consumer complaint received 2021-06-01
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. (IL)

1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX  : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

CCS claims I owe {$780.00} to XXXX  XXXX. The policy with XXXX  was supposed to have been canceled on or around XX/XX/2021, it appears XXXX   rep ( s ) did not cancel as instructed, which is not my error. The amount they claim I owe appears to be for two months, XXXX and XXXX, coverage due to non cancellation as instructed.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (FL)

There is a collection listed on my credit report from Carter-Young Inc for an amount of {$10000.00} which is completely wrong. I have tried to resolve this but the apartment complex has changed hands and now no one can talk to me about this false collection. I received something from the initial apartment showing {$3500.00} no where near the {$10000.00}.