davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ZIONS BANCORPORATION (TX)

A caller from XXXX routinely calls my cell phone attempting to solicit information related to a credit card service. I have repeatedly attempted to opt out of the calls by selecting the automated option to " opt out '' in addition to confirming that I registered my cell phone for the National Do Not Call Registry on XX/XX/2013. 

Today I received another call from this same company and selected the option to speak to a representative. When the representative answered he stated he was with Visa Credit Card Services. I informed him he was calling my cell phone and that I had previously opted out on several occasions. He responded stating " go XXXX  yourself you XXXX XXXX '' then he hung up. I called the number back and asked for his name and employer id number which he refused to provide and hung up again. 

I have contacted Visa to report this issue and was informed this caller was not affiliated with Visa Credit Card Services. Instead, Visa alleges this is a fraudulent company who has obtained Visa 's customer information and is attempting to use it for fraud activities.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc. (AL)

SF/XXXX  XXXX needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. SF/XXXX XXXX  dont ever do this!
Consumer complaint received 2022-08-08
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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 an account without my written instructions
Consumer complaint received 2021-04-11
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. (NJ)

I originally wrote XXXX XXXX  ( XXXX  ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both experian and transunion in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the XXXX collections off my report. XXXX put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent XXXX XXXX copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, XXXX XXXX should remove the collections from my report. I even I called XXXX XXXX numerous times and they keep giving me the runaround and told me to call the XXXX  XXXX. XXXX XXXX is the collection agency for XXXX XXXX and there is nothing XXXX  XXXX can do. XXXX is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX, equifax and XXXX, but XXXX was the only one who removed the collections. XXXX  and Equifax will not take it off because XXXX will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at XXXX XXXX  they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KS)

I opened a savings account on XX/XX/2021. I transferred {$600.00} from my XXXX XXXX XXXX  XXXX XXXX  account to my new Citibank account. When the money posted into the Citibank account, two days later they blocked my account and accused me of fraud and blocked all my funds. I was not able to access my money. I called Citibank 21 times XXXX totaling almost 6 hours XXXX to resolve the issue with them to no avail. Some of the calls were disconnected by the Citibank staff and they did not give me any answers. They told me that they are closing my account and are sending the {$600.00} back. I asked them why they closed my account and accused me of fraud but no answers were given. They later told me that they were sending me my {$600.00} and it would take anywhere from 30-60 days and now it is over 60 days and still I haven't received my check. They have no physical branch near my location. The closest branch is about 5-6 hours away and that is why i couldn't go resolve this with them in person.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I used to have phone services with XXXX XXXX when I lived in XXXX XXXX. I move to XXXX in XXXX and had disconnected the service. The phones was traded in with XXXX  which, according to XXXX  paid the total of {$1800.00} to XXXX for switching carrier. XXXX contacted me multiple times in XXXX and reported the matter to the credit reporting agencies. I did file a complaint with the XXXX XXXX XXXX. I sent them a statement from XXXX that the phones were paid off. The matter was settled and the collection notice was removed from my credit report. 

On XX/XX/XXXX, I received a call from Jefferson Capital System, located XXXX XXXX. XXXX  MN and they indicated that they were a debt collector. I told them that the debt was invalid. On XX/XX/XXXX, I received an alert of a COLLECTION by Jefferson Capital System - XXXX XXXX XXXX XXXX, XXXX XXXX  MN XXXX on my credit report in the amount of {$1800.00}. This is a FRAUD as they are pressuring me to pay {$1800.00} which I do not owe. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I paid my account every month using my banks on line system. Every month i got notice that they received my payment but one month we got notice 30 days later that they never received my payment and they were going to report it as a 30 day late account. I have tried to work with them to get it removed since it was not my fault but they refuse to.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (TX)

This is the second time I'm reporting card.com prepaid card company. My family and I lost our home in a house fire last year in XX/XX/2021. We set up a XXXX account, out of almost 7k that was raised, they have with held XXXX of it since XXXX of XXXX. I have submitted legal documents, social security cards, driver 's licenses, current and past utility bills, along with ALL of the XXXX  account info. Because ONE payment came in from the deposited under my husband 's name, they locked the account down pending paperwork. It's been locked since XXXX. Contacted the FTC last month, within a week I received a call saying all money was being returned to the deposited.. XXXX. I called on XX/XX/2021 and was told they deposited {$1700.00} out of 2k.XXXX for " their fees '' back to XXXX. I have since received confirmation from XXXX  this is not true. Now they refuse to speak to me and have closed ALL 3 cards attached to the account out of spite. NOW saying I'm no longer a customer, they're refusing to speak with me. We NEED our money!! Please help!!
Consumer complaint received 2020-06-04
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: Neon Newco Corporation (GA)

I purchased a netspend card at the XXXX XXXX and loaded XXXX dollars on the card for my son to use. I put the card in his name and with difficulty could not use it. We were instructed to call the activation Department and was told that he had to submit another form of I.d . proving it was him. After the conversation a social security card was a acceptable form just to find out the money couldn't be accessed because they didn't accept his social security card. 
This was on the XXXX of XXXX. I have requested my money back and the only reply I received is that in 2 days I would be contacted by someone from netspend. I want a full refund and holding my funds is illegal and a horrible business practice. 
I am filling this complaint along with many others. I have corresponded through phone and email. 
XXXX XXXX
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have written several letters asking XXXX to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

On XX/XX/XXXX i sent a ceases and deist letter to CBE Group XXXX XXXX XXXX XXXX IA XXXX instructing based upon the Fair Credit Collection Practices Act, 15 USC 1692g Sec.809 ( b ) that this claim is disputed and validation is requested, Proof That i owe XXXX XXXX I have never had account with XXXX XXXX, nor have i entered into any agreement with CBE group to pay them for any transaction i may or have not entered into. 
After giving fair warning they have continued to send letters and calls as of XXXX XXXX without any verification of the debt, this is threatening my lively hood by damaging my credit rating,
Consumer complaint received 2021-11-23
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2021 - we purchased with XXXX XXXX. This purchase included an additional fee for expedited shipping ( XXXX  days ). 

On XX/XX/2021 - the day of expected delivery, nothing arrived. We attempted to contact the vendor a few times throughout the day but had no luck. Our final attempt of contact was through email, where we asked XXXX XXXX to cancel the order and refund the charge. Still no response. We purchased the same item through another vendor named XXXX XXXX XXXX and used the same card on this same day. 

On XX/XX/2021 - the shipment from XXXX XXXX arrived. 

We made multiple attempts to contact XXXX XXXX, and when they finally answered, they claimed the shipment was sent in error after cancelation. However, pool XXXX asked us to ship it back, so we did. 

On XX/XX/2021 - the item was sent back to the vendor through XXXX Tracking # XXXX. 

On XX/XX/2021, @ XXXX PM - The shipment arrived at the vendor. 

On XX/XX/2021 - I did not see a credit appear on my account as promised by the XXXX XXXX, so I contacted Barclays and filed a dispute. A credit was issued against the charge, and Barclays told me they would handle it. 

On XX/XX/2021 - I noticed a charge on my account for {$400.00} from XXXX XXXX dated XX/XX/2021. I contacted XXXX to find out what was going on. After speaking with a couple of people who gave differing stories, I asked to speak to a XXXX. I was told there was no XXXX available, so I asked to talk to someone in the XXXX, which was not an option either. I was told they would have to message a XXXX, and someone would get back to me. No one ever did. 

On XX/XX/2021 - I received a letter from XXXX stating they attempted to reach me on XX/XX/2021, and XX/XX/2021. These claims are false. I have no missed calls, nor did anyone leave a voicemail from these alleged calls. Additionally, there was an alleged statement from the vendor claiming they ( the vendor ) did not receive the returned item within the XXXX day return policy. We received the item on XX/XX/2021, and it was shipped back to the vendor XX/XX/2021, and received by them on XX/XX/2021. This is well within the XXXX day policy. Please see attached documentation. 

Would you mind helping fix it? 

Thank you
Consumer complaint received 2021-10-08
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. (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I have be unable to activate my USBank unemployment befits debit card XXXX XXXX XXXX USBank claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the XXXX XXXX XXXX and complied with further instruction from USBank but my card has still not been activated.
Consumer complaint received 2022-06-26
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.
Consumer complaint received 2021-10-08
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: AVANTE (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-08
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. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (CA)

Hi please help, I sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Consumer complaint received 2022-08-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
Consumer complaint received 2022-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NH)

I was affected by the XXXX that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. https : XXXX Please remove any late payments from my account due to natural disaster.
Consumer complaint received 2021-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My credit score dropped 89 points after paying a credit card balance down from 95 percent usage to 7 percent usage and nothing negative added and all open accounts paid on time for over a year. Even people on the phone from Equifax can't explain it and say they can't fix it. Should have went to XXXX at the least not drop to XXXX and ruin my loan chance this coming week.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Store credit 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: Sezzle Inc. (WA)

Sezzle Inc refuses to acknowledge and follow its own published dispute policies. I have had 2 recent issues with merchants where they clearly violated the merchant guidelines published on Sezzles website resulting in a case that clearly qualified for a dispute. In both instances, the company completely refused to even open a dispute and investigate the now fraudulent charges. 

The first instance was a merchant named XXXX XXXX. This merchant shipped the package to the wrong address and admitted it via email, but refused a refund. Screenshots of all conversations with the merchant, including their admission were submitted to Sezzle and they refused to investigate the dispute. 

Most recently, I used Sezzle to make a {$730.00} purchase from one of their merchants XXXX, and paid for expedited delivery with an advertised delivery date of XX/XX/2021. As of XX/XX/2021 this purchase still has not been shipped by the merchant, a clear violation of the published Merchant policies on Sezzle.com, and a situation that is specifically pointed to in their customer dispute policy. Documentation and requests have been submitted to Sezzle Inc via their online portal multiple times. As of XX/XX/2021 Sezzle responded stating that they would not open an investigation. This company refuses to support customers when there is an issue and instead continues to withdraw funds from customer accounts in an effort to support fraudulent merchants.