davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (OR)

On or around XX/XX/19, I called Citibank requesting closure of two of my three accounts. I transferred the cash from the two accounts into a new Citibank Accelerate Savings with a higher APY. For some reason, one of my accounts was not closed. When I logged into mobile banking today, I noticed that the account balance was -$XXXX. It's so unfair that they charge me a fee for an account that I requested to be closed and that was at a $XXXX balance. When I called to get the account closed again today (XX/XX/19) the representative informed me that the charge is still pending and can't be either investigated or reversed until it's posted to my account, so I'd have to call back in tomorrow. When I asked them if they could just post it, she declined and offered the same solution. I'm extremely frustrated that 1) I've attempted to close an account and that it never happened. 2) I was charged a fee that brought my account balance negative.3) That the representative couldn't refund me $XXXX for their error.4) That I'd have to call back in to get the fee reversed. I'm not sure what your account agreement says, but it's unbelievably unfair that you'd charge a fee when the account balance is $XXXX.
Consumer complaint received 2023-02-01
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Yesterday XX/XX/2021, XXXX XXXX, had sold me something she had for sale on XXXX and after she contacted me on XXXX. She had told me to zelle her the money in order for her to mail it to me through XXXX. She kept asking me for money saying XXXX kept asking her for money in order for them to send it to me. She said asked me for more money I order for them to start the process, but it was way to much money she was asking for, and so she never gave me the package or my money back, she said she was going to give me the tracking number but she never did. The total amount I had sent her was a total of {$300.00}.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (FL)

ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  XXXX, AND EXPERIAN. TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (FL)

ON XX/XX/XXXX I WROTE AND SENT A LETTER EQUIFAX, XXXX, AND XXXX TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.
Consumer complaint received 2018-02-26
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. (LA)

I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MA)

My IRA funds were moved from TCF bank to Huntington National Bank due to some type of merger or acquisition. First our funds were to be available after XX/XX/XXXX, then after calling they said it was XX/XX/XXXX for IRA 's. After that time I set up web access. 
I have used the Huntington website, which was not helpful. It states that statements are not available for my type of account. NO IRA Statements are provided. I do not leave near a branch. As in one phone call the person on the line started to say I had to go to a branch, but there are no branches in my area. 
I have called the bank more than 10 times. Most times never getting through. Leaving call back numbers was not working as I am at appointments and calls all day. I have tried to call at night, before 8. 
The one time I spoke to someone I thought was helpful named XXXX on XX/XX/XXXX, I thought I was successful. This was on XX/XX/XXXX under confirmation number XXXX. He told me he would get a statement out to me. None came. 
Today, XX/XX/XXXX I used the call back feature early in the morning. I was called back, waited 9 minutes for someone to pick up, then spoke with XXXX. I explained my frustration, he put me on hold and then 31 minutes later disconnected me. I had asked to speak to a supervisor because I did not want to hang up until I could obtain a statement. The IRA institution that I wish to roll the funds from Huntington into requires a statement from the current bank. This is common practice for all transfers. They will not complete a successful phone call, their online services are not adequate to handle IRA 's and I feel they are trying to keep my funds against my wishes. I tried to use screen shots of my account with my new Financial institution but they could not use that. Thank you for any help that can be provided. XXXX XXXX My phone number is XXXX. 
XXXX XXXX XXXX, XXXX, MA XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I was contacted by CREDIT CONTROL CORP in XXXX of XXXX for a medical debt originating from XXXX XXXX. I asked for copies of bills to sent to me I had moved in XXXX of XXXX and XXXX of XXXX. I updated my address with CREDIT CONTROL CORP on a phone call in XXXX. At that time, I made a good faith payment of about {$100.00} while awaiting copies of the statements. I gave the phone operator my credit card to keep on file. I never received the copies of the statements. On XX/XX/XXXX I was alerted via email from XXXX and XXXX that this account for about {$150.00} was placed in collections. I called CREDIT CONTRO CORP the same morning XXXX XXXX, XXXX and paid the balance in full. They said they had my card on file and that I had made a previous payment. When I asked why I didn't receive the statements they refused to give me an explanation. I asked for this to be removed from my credit report asap as I am going to settlement on a house on XXXX XXXX. They said they will not remove the debt collection from my credit reports. 
I feel I was not given proper notice and statements AFTER making a good faith payment in late XXXX of XXXX for about half of the debt.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX XXXX XXXX XXXX REPORTED ON CONSUMER FINANCE.GOV THAT XXXX XXXX XXXX BORN XX/XX/XXXX MEVER RETURNED MONEY STOLLEN FROM MY BANK ACCOUNT AT CITIBANK IN XXXX XXXX CALIFORNIA THEY FORCED ME TO CLOSE MY BANK ACCOUNT WITH NO FUNDES RETURNED CITIBANK WITED XXXX XXXX XXXX FUNDS TO XXXX XXXX XXXX XXXX AS A TESULT PF THIS XXXX XXXX XXXX NEVER GOT HER XXXX XXXX DOLLARS RETURNED XXXX XXXX XXXX DIED IN THE RESULT OF FRAUDING MY CITIBANK IN XXXX XXXX CA XXXX OFF XXXX XXXX
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/2021, I received a letter from our mortgage servicer stating that our loan had been transferred to Mr. Cooper Group Inc. ( " Mr. Cooper '' ) and that the transfer would be effective as of XX/XX/2021. Since then, we have received no communications at all from Mr. Cooper despite my calling their customer service department and inquiring, as well as contacting our prior mortgage company ( The XXXX XXXX ) for advice on how to make our XX/XX/XXXX mortgage loan payment, which was of no help. I have been on the Mr. Cooper website several times- including today - and have entered our former loan number and my SSN into their online database for " Transferred Loan '' information. Upon submitting my information, their database returns an error message stating that it has no information and to wait for " up to seven business days '' from the effective date stated in the letter for the transfer information to show up. Meanwhile, I can not create a customer loan account online. See the attached screenshot.
Consumer complaint received 2020-09-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have contacted Equifax on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Equifax on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 
So, I questioned Equifax and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 
So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Equifax was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 
I reached out to both courts to discover that Equifax and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I was in a XXXX  XXXX bankruptcy that was dismissed in XXXX of 2020. I had a vehicle that was part of the bankruptcy and the original account was sold to a collection agency, Portfolio Recovery Associates. I never got any notice claiming that there was a balance owed and didnt know that until I called to inquire about the title. I was told that there was a balance on it. I asked for written verification but never got it. I still have the vehicle and I am trying to sell it to a dealership but they need a 10 day payoff letter. I have called and emails the person that I was referred to at Portfolio but she has not gotten back to me with a payoff letter or any other debt verification. I can seek the vehicle quickly and get them their money quickly but they dont want to help by getting me a simple payoff letter. All I need is a 10 day pay off with the per diem and an address to send the money to but again they dont want to help.
Consumer complaint received 2021-05-20
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX ( Listed over 14x ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

As of XX/XX/2022 MIDLAND CREDIT MANAGEMENT INC. sent a letter attempting to collect debt against me of {$2200.00}, the consumer, and additionally threatend to take the debt to an attorney for a lawsuit. they have consistintly tried calling me and sending mail. this is against the FDCPA.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION (PA)

Submitted XXXX disputes to my financial institution regarding transfers out of my account to money transfer platforms such as XXXX, XXXX and XXXX. These transfers were over a period of several weeks. I put in disputes with the platforms as well as my bank. I spoke with a representative on Monday XX/XX/XXXX and it was made clear to me that she would let me know her determination in 1 to 2 days. I did not hear from the representative. I called the bank on Friday XX/XX/XXXX and to my dismay the disputes were denied. I called on Monday XX/XX/XXXX and spoke with a different representative asking that a manager please reach out to me regarding this matter. No phone call was received. I called again on XX/XX/XXXX and spoke with a supervisor who escalated this to a manager with high regard, again no phone call was received from a manager at WSFS. I submitted a police report to my financial institution and have screenshots of the unauthorized transactions/transfers from my bank account through these platforms.
Consumer complaint received 2020-09-07
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have an auto loan with AMERICAN EXPRESS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMERICAN EXPRESS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMERICAN EXPRESS with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.