davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
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. (NM)

My name is XXXX XXXX. I would like to submit a complaint about Equifax. I was looking at my credit score. I found a credit card that has been reporting as opened XX/XX/XXXX I have never had this account. Last payment XX/XX/XXXX. 
I called XXXX XXXX they have no record of the account. So it is an Equifax error and I want it removed from my credit score immediately.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (OH)

We paid for a shuttle service in Florida on XX/XX/2020 using their website XXXX https : //XX/XX/XXXX for {$91.00} ). The next day our cruise was cancelled so we contacted the shuttle service to cancel the shuttle. No answer to the phone number, no answer to email and no return calls. We attempted several times in two weeks to cancel and they never responded. I contacted Ally Bank to dispute the charge. Ally told me it would take 90 days to investigate and had me fill out paperwork. Non of the scenarios on the paperwork fit the description of the problem. I called to ask for help and the dispute team told me to find the one that fits the closest and fill out that section. So I chose " that the service was not provided. '' After 90 days Ally Bank told me their investigation was complete and that the charge was correct and I had used the service. 
Well that is simply not true so I opened new dispute which they closed within a week with the same result. I asked to speak with someone in the dispute department to explain the problem and was told that I am not allowed to speak with that department. I sent an email trying to explain the problem and a reply email told me someone would be calling me on the phone. No one ever called and now I have a letter ( Dated XX/XX/2020 ) in the mail telling me the dispute is closed, the charge was authorized and the time frame to recover funds is now past. I reported this problem to Ally Bank 30 days after the transaction after I had mad multiple attempts to contact the merchant. Ally bank had plenty of time to investigate and correct this transaction. I have opened three disputes with Ally Bank and no one has contacted me to discuss the problem bu they have all been closed.
Consumer complaint received 2021-11-27
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. (NY)

I still have an account on my credit report from all 3 bureaus when the account is past 7 years and 180 days. and I can not get my parent plus loan or anything. it's affecting my credit score as well.
Consumer complaint received 2021-02-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION (PA)

I took out this loan back in XXXX to attend college. Currently the loan has been paid off in full, however, back in XXXX I missed a payment ( first payment Ive ever missed ), due to some financial difficulties. My mom passed away and I had to take care of her funeral and other major expenses, which I tried explaining to Sallie Mae. That late payment has been on my credit report almost 6yrs and its hurting my credit score and preventing me from getting better interest rate on my mortgage, auto loan and other credit products. Im kindly asking if CFPB can step In and help remove this late payment off my credit report.
Consumer complaint received 2021-10-04
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: U.S. BANCORP (CA)

Back at the start of XXXX i called because my prepaid card was been declined at various stores in XXXX XXXX, they told me to use it a few times before they cancel the card, I did and not work I made an online phone bill payment, and the payment went thru after that I tried using it again and did'nt work. I called customer service they cancel the card and they were gon na send me a new one by mail. I did received a new card with a different number and my name in the card when I called to installed the card it said I had a balance of XXXX dollars my first balance was of {$500.00} - minus the XXXX of phone bill I still had more than {$320.00}, I called customer service and they said it seemed someone did fraud with my card, which made no sense because they told me they cancel it, and nobody was gon na be able to use it neither myself. They said they were sending a dispute form and it would take 90 days to double check, made no sense because I said that it was cancel that it was their fault. A few days later I received a letter that said that they had check and I didn't have to fill out a dispute that funds were gon na be in the new card. Once again I checked and had XXXX balance, I called the around XX/XX/XXXX and the representative said that funds were in the card that got cancel which also made no sense he said he could transfer funds and that it would take about 7 days to have it in my new card. I called like 10 days after and the representative said funds were gon na be there at the the next day. I called the next day funds were not there and they said that the call was on excavation all ready. I called Saturday again and the manager said the funds were still not there, that the department was close but took no calls anyways. 

I have called various times in XXXX they just put me on hold and never get anything resolved, they don't help me or try to get me somewhere I am tired of having to call and not having my funds and a bunch of lies from the team and management they should have everything in their records and seen where my card and funds are it has been since XXXX so tired of this.
Consumer complaint received 2020-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

The debt collection company known as IC Systems purchased the debt of {$310.00} dollars from XXXX XXXX XXXX and did not send notices and correspondence regarding the debt. Instead, they reported the debt to the credit reporting agencies. I found out about the debt through XXXX XXXX. This is a clear violation of the Fair Debt Collection Practices Act. The debt collection company did not verify that the debt was mine. I never received any notices about this debt, and I do NOT owe this debt. Once I learned of the debt, I contacted the company to dispute it and the company refused to dispute it and remove the collection from the credit reporting agencies. Instead, they sent a letter threatening to report the debt to the national credit reporting agency. I am NOT paying what I do not owe.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

How can XXXX deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And Equifax has not corrected any of my credit report.

I dispute my credit report with XXXX and they haven't correct. So Equifax is still using incorrect information from them.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (MN)

I have 4 Gift Cards with a {$50.00} value each that were given to me from a friend as a gift. I tried to use them but they have no money on them. I was told the law says money can not expire or be taken but they were deactivated and drained of the money over time. 
They were from Paypal XXXX  XXXX  and were XXXX XXXX XXXX Gift Cards. I will attach both the original order to my friend from when he bought them a few years ago and my photo copy off all four printed out Gift Cards I called both XXXX XXXX who was nice and tried to look them up but showed no money on them. I called both XXXX XXXX and XXXX XXXX Customer Service which said the same thing. They were sold by Paypal XXXX gifts so nothing surprises me about Paypal and their common issues. I talked to someone there who blamed XXXX XXXX and said to call them which doe not work. Paypal needs to PAY ME. The cards were purchased in 2015 and given to me that year also are are supposed to never expire.
Consumer complaint received 2017-09-21
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. (HI)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2020-09-10
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (MO)

I received an offer from Commerce Bank in XX/XX/2022 ( Promo code XXXX ) to open a checking account with minimum of {$2500.00}, use card 10 times, auto deposit set up and receive {$700.00} bonus on XX/XX/2022. 
I opened my account in XX/XX/2022 with {$5000.00}. I set up auto pay, used the card and met all of the fine print requirements. However, on XX/XX/2022, I did not receive my {$700.00} bonus as promised. I contacted the XXXX XXXX branch and was told that there was a glitch due to the holiday weekend ( XXXX of XXXX ) but that my bonus would be deposited in the next 5-7 days. Those 7 days came and went, still no bonus received. I again contacted XXXX XXXX branch supervisor and he said it would be deposited in 3-5 days to be patient. Those days came and went, still no deposit. Last week I went in person to the XXXX location and spoke to XXXX, she assured me that there was a form she needed to fill out and that I would receive my money with 7 days. She gave me the confirmation page that she submitted the form and her business card to make sure I had a direct contact since I had so many issues getting ahold of anyone previously. However, those 3 days later, I receive a voicemail from XXXX saying that she needed proof I was on Commerce mailing list and needed a picture or original flyer sent to me. I sent her a picture of the offer with the promo code via email and then she said she needed the original document with my name on it to prove it was sent to me and then refused to respond to any further emails. I again went down to the XXXX branch today and this time spoke to XXXX, she stated that unfortunately without the original flyer ( which was sent to me 6 months ago ) that the decision has been made and I will not be receiving the {$700.00} bonus. I feel that if the original flyer is required then it should be requested at time the account is open, not 6 months later, after the bank has held my money for the entire time. If only the people on the mailing list are eligible for this promotion, then perhaps the account should not have been allowed to be opened with that promo code to begin with. If i'm not on the mailing list, why did I receive the mailer? and why didnt the other 5 employees see that I wasnt on the mailing list and why did they tell me that I would be receiving the bonus is 3-5, or 5-7 days etc?
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (FL)

I received a letter saying I owe {$150.00} to XXXX. 
I pay my internet bill to XXXX on time every month for the past 2 years plus. 

I do not owe any balance to any bill concerning XXXX.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (NJ)

I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. 

I have had a PNC Bank business credit card account for about 10 yrs. 

In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. 

PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. 

Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. 

In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. 

I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. 

On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. 

PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. 

On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. 

On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. 

On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IA)

33 out of 66 months from XX/XX/XXXX to XX/XX/XXXX have different monthly reporting across XXXX, XXXX, and XXXX. 

I have already filed a dispute though CFPB, I have contacted XXXX probably over 20 times. No one does anything about it. 

QUOTE DIRECTLY FROM XXXX " After reviewing your inquiry, we found no instances of misguidance. We reviewed your loan for payment assistance according to our lending guidelines. We found no inaccurate credit reporting for your loan. '' How is it possible to have 33 out of 66 months different between 3 credit bureaus? How is this accurate reporting? How has XXXX done numerous and numerous investigations and have found that they are reporting accurately when there are 33 differences? How is this possible and how is this legal to continue to lie and say its fair credit reporting? 

What good is this CFPB, If you contact XXXX and they say they report accurately and then you close it? Take 5 minutes and look at reports and it shows 33 differences.
Consumer complaint received 2020-07-10
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

On XX/XX/XXXX i received an email saying that my account had been closed due to inactivity. I contacted the company XXXX XXXX XXXX on XX/XX/XXXX to ask if this was a mistake and if it could be reversed. They told me that it was nothing they could do and they do not have to give any warning before closing out my account. I last used the card in XXXX of XXXX. I have not used it because typically it is my travel card but due to Covid i have not been able to travel anywhere.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

I contacted Pro-Collect after noticing they falsely report XXXX to the credit bureaus. I sent them a certified letter requesting debt validation. I was sent an XXXX energy bill from my previous residence. I sent back proof that I moved out of the residence in XXXX and that the debt is not valid. However, they have refused to remove the derogatory mark from my credit profile. I reported them to XXXX XXXX, State of Texas Attorney General. Also, I reported them to the XXXX XXXX XXXXThis debt is not valid and does not belong to me. It should be removed from my credit profile.
Consumer complaint received 2020-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I have been a victim of loan fraud on XX/XX/30 and lost {$680.00} from my Chime account with XXXX XXXX. I filed a complaint with the fraud dept through the account and they have told me that they cant give my money back. I have also filed complaints with the OCC, FBI, XXXX, and the bank. XXXX XXXX claims that I dont qualify for a provisional credit while they investigate which could take up to 45 days. All I want is my money back we are in a serious bind with that money not being accessible and should be given the provisional credit back.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (IN)

In XXXX I called Acima and told them I had been put on leave by my job to the COVID-19. I told them I was not working and there is no way I could make payments to my account. They told me that they would put my payments on hold until I started working again. However, for the past few months they have been reporting missed payments to my account after I told them I would not be able to make the payments due to being out of a job due to the pandemic. This is extremely frustrating and inconsiderate at a time such as this when people are not even able to pay their rent and put food on the table for their families because of such a deadly virus. It is not fair that my credit has to be impacted for something I had no control over.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

My problem is with CitiCards. On XX/XX/XXXX I mistakenly made an online reservation with XXXX for lodging at the XXXX XXXX in XXXX Utah for XX/XX/XXXX and XX/XX/XXXX. While I was led to believe that I was speaking directly with the XXXX XXXX I was instead speaking to a reservation clerk at XXXX. I did this on my XXXX and clicked on a site that said XXXX XXXX reservations. I am a senior ( XXXX years young ) and did not look carefully enough. I also believe XXXX purposefully makes clicking on their site an easy distraction for people like myself as a means of deception. However, my complaint is with CitiCards. Once I realized my error I immediately called the XXXX XXXX and explained what happened. As I was within the required 24 hour cancellation period, they agreed to refund my payment. However they sent it back to XXXX ( See attached ). Since then I have tried numerous times to get a response from XXXX and failing that have lodged my complaint with CitiiCards. I expected that they would act on my behalf ( See attached ).  Citibank charges are for {$750.00}. I don't understand why I have not received reimbursement as I have submitted documents substantiating the check from the XXXX XXXX back to XXXX. Thank you for consideration in this matter.
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CA)

since XXXX of the last year I got a credit line with Acima Credit which obligatiob number is XXXX, the payments i made are the followed, first payment XXXX XXXX, second payment XXXX XXXX, third payment XXXX XXXX, fourth payment XXXX XXXX, fifth payment XXXX XXXX, sixth payment XXXX XXXX, seventh payment XXXX XXXX and last payment to pay off the entire debt XXXX USD, everything was registered in their system. 
now on XX/XX/2020 they started to charge on my checking account amounts again for the debt that I consider was payed off since XXXX.I got the bank statement that shows the payments and they have the voice calls that I did with them showing my intentions to pay off the debt.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (KY)

On XX/XX/XXXX I have a transfer from a PayPal XXXX XXXX account for {$1400.00}. I dont use or have a XXXX XXXX account. The email I use for PayPal is XXXX and my phone number is XXXX. Any transfers using a XXXX XXXX account are being used for fraudulent activities I believe. 


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