davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (HI)

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from XXXX and Experian. I have not received a response from XXXX. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (IL)

I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years. 

I wrote a letter asking them to validate the debt with no response. 

I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points. 

I do n't know these people and I have since sent a second letter with no response.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (KS)

In response to an online application for a credit card, I received a letter dated XX/XX/2022 from Barclays stating that my application was denied because of a negative credit history with their company. 

I sent a letter to Barclays on XX/XX/2022 stating that I had no negative credit history with their company -- in fact with no company -- and asking for further details so that I could understand their records and have the opportunity to resolve the incorrect information. 

I have not had a response from Barclays.
Consumer complaint received 2016-12-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONS LENDING CORPORATION (OH)

Sales Manager keeps asking for same info repeatedly and some info that can not be obtained. Have been supposed to close on the loan for past 5 weeks and still nothing. They have everything I can give and what they have asked for has been sent 2 or 3 times already.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I made a charitable contribution on XXXX using PayPal. Now, I'm getting messages from XXXX XXXX XXXX app for every transaction I make through PayPalXXXX those that are made outside of XXXX that have nothing to do with XXXX. I asked PayPal what to do. They said to " unlink '' my account and gave me instructions on how to do that. I followed those instructions and it didn't work. I'm still getting notifications from XXXX with " receipts '' for every PayPal transaction I've made recently. I do not want XXXX to have this data and PayPal is sending it through their platform without my permission.
Consumer complaint received 2022-11-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (ME)

The collector has not been able to properly identify with me through written communication the validity of this debt. In addition, attempts to collect this are invalid because this was sent over by a school Ive been to that incorrectly billed me instead of the XXXX amount I had. In addition, the creditor refuses to acknowledge any information I have sent to them regarding this matter and will only correspond via email. I have received no letters, mail, or calls from these people.
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: EQUIFAX, INC. (IN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-24
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 am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Consumer complaint received 2022-11-16
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$11000.00} XXXX XXXX
Consumer complaint received 2022-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-11-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

My wife and I needed new checking accounts. I was sent a promotion incentive email for Citi Bank to open new checking accounts, maintain a {$300000.00} bonus for 60 days and they give you {$2000.00} incentive for doing so. I opened my account on XX/XX/XXXX and funded it with my savings money from XXXX XXXX XXXX in the amount of {$260000.00}. On XX/XX/XXXX my wife opened her checking account from Citi and I funded it with my savings from XXXX XXXX XXXX with {$59000.00}. I then transferred {$150000.00} from my Citi account over to her Citi account to maintain a higher balance and receive a higher incentive from the Citi checking account promotion and Citi Bank has blocked my account. Since, they have not provided me the reason for blocking nor have refunded my money. They blocked the transaction from completing so, Citi currently has {$340000.00} of my life savings currently blocked. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This savings money is everything we have as a family. XXXX college tuition, down-payment for our next home ( in which we XXXX  soon and need access to our funds to find our next home ). I called and made a complaint to Citi XXXX XXXX XXXX, they provided me with a reference number XXXX. They claimed I would get a letter within XXXX business days but those days have passed and I still have no letter or no confirmation as to when my account is going to be unlocked or more importantly my money refunded back to me. I called the XXXX XXXX back, since it has been about 19 days and since they have closed my case again with no information as to when and where my money is. Also no indication as to why my account was blocked or if its going to be un-blocked?
Consumer complaint received 2016-10-28
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: BANK OF THE WEST (CA)

I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. Thank you..
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (MI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I moved from XXXX  to XXXX  in XXXX, XXXX. I closed my account with XXXX on XX/XX/XXXX and paid my final balance in XX/XX/XXXX. 
I, in XXXX just had a company, without ever contacting me or providing me the opportunity to dispute this or get verification of this, added this to my credit and refused to provide proof that I in fact owe this. 

XXXX alleges that this is an accurate bill even when they wont provide me the information It has been almost 7 years since I shut down this service and there would be no reason for me to have continued to keep proof I paid this
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TX)

I purchased a appliance from Home Depot and they talked me into getting a Home Depot credit card for a reduction of the original price. I agreed and when the bill came due for the remainder I paid it off in full. They kept sending me statements and charging late fees. I faxed a copy of the bank statement showing where and when the full payment was deducted from my banking account. Now they have placed this debt on my credit rating. I havent charged anything else on this card.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (IL)

I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I had lost everything in hurricane Irma. I would normally have been in Florida but due to health I was still in XXXX XXXX. I had made the decision to become a full time Florida resident so I closed my accounts up here. Because I was going to be in Florida within a matter of days I decided to open a new account in Florida. I'm retired so the account was going to be just for my social security. After the hurricane I stopped receiving any mail from Florida. My home in Florida is gone. It will be years before I can return. So I reached out to social security. Because I hadn't opened a new checking account social security suggested I open a local account. They need a few weeks to process a new direct deposit and said my direct deposit would be sent to my recently closed account but that bank would send the deposit back to social security and they would then send it to my new account. So I go to the us bank on XXXX XXXX XXXX XXXX XXXX and open a checking account. All goes well but the woman clerk tells me I need to bring in an official us mail so they can verify my address. Never heard of that before and I had been clear in that I have no mail. I used my dad 's address in stetting up the account so she said at some point thet I'd need to bring something in. I told her that social security was sending some forms and I'd bring them in. 
This morning, XX/XX/XXXX, I called to see if my social security check was deposited. I was shocked when they informed me that my account was suspended because apparently I had two days to bring in some mail. I spent the entire on the phone with 8 us bank employees and got the same story. They even said it was mentioned by the woman in my application. 

Now here is where it gets really odd. The first woman I talked too then mentions I had opened another checking account this morning. I was shocked and she couldn't explain anything about the account. Now I opened my account one week ago, I received two letters ( by the way they would not accept their mailing as official ) one was my new pin the other my debit card but I didn't open them till today. So after spending all day on the phone with them. No one could explain this new account. Finally one person said I had must have been hacked and it was my responsibility to resolve this with their fraud dept. 
Did some research and it turns out us bank had been fined XXXX XXXX for taking client data and opening account with out customers concent. I believe they are still doing it. 

In closing I finally gave up. The last person I spoke with I told him I would go to the branch tomorrow and close the account. The response,, because my account was suspended I could not close it until I brought in an official mailing address to me..
Consumer complaint received 2022-11-16
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: GOLDMAN SACHS BANK USA (FL)

On or around XXXX XXXX my son who is a cardholder on my account set up automatic payment on the account, however, he didn't know to realize you needed to select pay the minimum due or statement balance. The system drafted from his personal checking account the statement balance of {$1600.00} dollars. When he realized that his personal checking was overdrawn he immediately contacted the credit card company and explained exactly what happen the credit card company immediately reversed the payment and returned the money back to his bank and the following day he made the payment of the minimum amount that was due. However, the outstanding balance increased on the credit card in the amount of {$1600.00} dollars bringing the total outstanding balance to {$3600.00} dollars with a credit limit of {$3000.00} dollars. I have made a total of 5 disputes with the credit card company about the outstanding balance being totally wrong. I told them if they add up all the transactions from the time the account was opened all the transactions do not add up to {$3600.00} dollars, therefore why is the outstanding balance {$3600.00} dollars? They are telling me the outstanding balance is correct and it's not.
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

I have a complaint against Ally Financial that was lodged with CFPB yesterday XX/XX/2021. 

I got a call from Ally Financial today, and it went well until the end where they were asking me for all sorts of things that were not pertinent to the situation where they put down the wrong odometer reading on my title. 

It's a mess and am VERY UPSET AND shaken. I was harassed just now by the person who called from Ally Financial. His name is XXXX XXXX. Phone number XXXX, option XXXX, option XXXX, ext. XXXX. His name is on the physical lease of my car that needs to be corrected. 

He made me very upset and I said, just fix the title. He admitted that an error was made. He started asking me all this stuff about the lien and I said if you have questions, ask the lienholder, XXXX. He refused. I said, I do not work for XXXX. I told him I am aggravated by this conversation and he needs to just fix the title. 

I DO NOT WANT TO BE CALLED BY THESE PEOPLE. It's XXXX pm CT. I will not be harassed. This is insult to injury.