davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.XXXX}
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX received a targeted promotion from Citibank, offering me XXXX American Airlines miles as a bonus for opening a Citigold checking account and completing simple requirements. I opened the account using the promotion code, and promptly completed the requirements. Now, in XX/XX/XXXX, one year later after having satisfied the terms of the offer, I have yet to receive the bonus. 

In XX/XX/XXXX, I contacted Citibank regarding receiving the bonus, and I was told that they could not locate the promotion code in association with my account, and began an " investigation ''. In a separate communication from Citibank, I was told that the " investigation '' was ongoing and would complete on XX/XX/XXXX, after which I would be contacted with the results. After hearing nothing by XX/XX/XXXX, I contacted Citibank again and was told that Citibank 's promotions investigation unit was " experiencing a delay ''. It is now XX/XX/XXXX, with no response from Citibank.
Consumer complaint received 2021-11-26
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX XXXX-Balance {$0.00} XXXX XXXXXXXX {$78.00} XXXX {$3500.00} XXXX {$3300.00} XXXX {$3100.00} XXXX {$3100.00} XXXX {$2200.00} XXXX {$3900.00} XXXX {$3100.00} XXXX {$6300.00} XXXX {$650.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2016-10-27
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I was contacted by Trandworld Systems attempting to collect a debt that was being collected by another collections agency. When I was contacted by them the amount they said I owed was more than the original debt. I sent them a letter advising them that the debt was already being collected by another company, provided them proof of the other company collecting the debt, and that they had increased the amount I owed. I asked them to cease attempts on collecting this debt. I have not heard from them since but they have now added the collection to my consumer report and it is now showing in collections on all XXXX bureaus.
Consumer complaint received 2017-01-05
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX/XXXX/XXXX at XXXX XXXX Contacted AMEX BLUE BIRD the call was outsourced to XXXX XXXX the XXXX fellow instructed me on what to do. I did as told and XXXX gave me online confirmation order # XXXX I was told by XXXX fellow I would received deposits within a day or so to the Bank account I gave him. On XXXX AMEX made XXXX deposits # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Days later I deposited. I opened XXXX sub accounts and deposited over {$2000.00} dollars days later The Bank account was tampered with for abut the same money. On XXXX/XXXX/XXXX AMEX refused to allow me to take my money. They send e-mail to XXXXXXXXXXXX with my Social Security and Pay stubs via fax to XXXX. I send the data requested and waited for my money but it was never send every time I called thereafter they would tell me then send the money to US government. They never provided a government agency phone, name and or address. I recently called AMEX BLUE BIRD a staff answered in XXXX XXXX ask for my name and account number # XXXX XXXX security code XXXX exp XXXX. The Fellow said account was suspended by security but I can opened same. I said I want my money back. He said that was the fastest t way to get my money back. He placed me on whole while waiting I XXXX/research similar issues with AMEX. The stories on line were all the same AMEX keeping people money and the outsourcing country XXXX and XXXX were accused of tampering and
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of america reordering my debit card transactions and holding small transactions back until big transactions get my account low and then pushing through the small transactions to see how many they can charge a NFS returned fee for. The returned fee is {$35.00} and these crooks have stolen XXXX from me over the last few short months by showing me a debit card transaction is paid on my account page and i have x amount of dollars left but then they say thats not accurate and magically those small transactions are witheld from debiting until it would create a returned nsf fee. This company is crooked!
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (CA)

Santander is currently reporting an account that was XXXX in XX/XX/XXXX on my credit report. There have been several attempts to get the account removed from my credit report without any resolution or response from Santander. 

As you can see in the attachments, Santander just settled a Class Action case in XXXX, for Deceptive/predatory lending practices. According to the agreement, my debit is to be forgiven and the account status updated to positive or the account to be removed from my credit report. 

After reviewing the Deceptive Auto Loan Practices CLASS ACTION SETTLEMENT WITH SANTANDER CONSUMER USA. This is a direct violation on the settlement agreement. Because of what they agreed settlement this needs to be corrected within 30 days of receipt of this complaint.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

Navient is unable to provide fair payment plans I have been charged as high 15 % interest rates on my private loans. 
I have paid XXXX in interest and my principal has gone up each year now exceeding over XXXX I would like the same fair repayment plans as the federal government or at least the opportunity to refinance.
Consumer complaint received 2021-01-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services (NY)

Mercedes Benz Financial Services called 3 times on a Public Holiday - XXXX XXXX XXXX XXXX. I complained after the first call but received XXXX more. This is not only calling at an unusual time they knew, or should have known, was inconvenient but it is also harassment. " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is against the FDCPA practices.
Consumer complaint received 2021-11-26
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. (DE)

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. My request for the correction and removal of the inaccurate information about my inquiry has been neglected by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of inquiry that needs to remove completely from my Credit Report. 
Inquiry : XXXX XXXX BANK XXXX of Inquiry XX/XX/2021 2021
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TN)

Conn 's XXXX XXXX calls my cell phone no less than 4 times a day. They called me at work last week and I told them I was not allowed calls like this at my place of employment. I was assured my work number would be removed. Today, I receive yet another call at my place of employment, along with XXXX calls to my cell phone. I 've had enough of their harassment!!!
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WA)

The last payment made in full was made to target and due to a problem with our bank and Target receiving the payment although it was on time their processing center was closed. When they did open up the payment was then considered late by Target. 

On three occasions I negotiated a settlement only to be later denied. 

The last time was when they told me to get a letter from my bank explaining the situation they would remove the late charge only to be denied once they received the letter. 

Please review Targets tapes they have on all our conversations back and forth. 

How do they continue to assess late charges and interest on a closed account. Is this not illegal? 
Although this is my account my husband was added. This account was issued in my name and based on my credit was issued. It should be not be allowed to be reported on my Husbands name.
Consumer complaint received 2021-11-26
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I sent a letter to Credit Bureau  but I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX  within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

The Money Source has been overcharging me for my loan. Since XXXX of XXXX, I should have paid {$180.00} towards my yearly insurance, nothing more. I have been sending them my tax exemption documentation repeatedly. 

I have requested this from the company and now I am enlisting the Consumer Finance support.

I would like an escrow analysis ran from XX/XX/XXXX because I have overpaid the following amounts : XXXX XXXX XXXX : {$100.00} Totaling : {$1200.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} Totaling : {$7200.00} As a XXXX XXXX  veteran the handling of this loan has not only created a hardship but my family and friends have supported me and watch the disinformation and obscurity that I have been met with by their representatives. It is nothing short of criminal. 

I am requesting the return of the overpayments for this mortgage. I am requesting a written explanation and copy of the $ XXXX check sent from the City of XXXX and cashed by TMS . This is not reflected on either escrow analysis that the company sent me. Again, I am met with disinformation. 

I will be making several complaints and leaving this company upon the return of these funds. Lastly, I am requesting that ALL late fees documented for this account be removed. 


Respectfully yours, XXXX XXXX XXXX
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank changed my account type with a monthly fee of {$25.00} XX/XX/XXXX. Since that account is dormant, I did not notice until XX/XX/XXXX. They ripped me off {$200.00} for absolutely nothing and I have no way of recouping
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A CAPITALONE BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-01-05
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: Duvera Billing Services, LLC (NJ)

Duvera Financial has been reporting my account as past due monthly although this account is in the collection phase. I have complained previously about predatory lending practices such as excessive calls and being harassed about a debt that I did not agree to. The interest rate and continuous fees were not explained to me properly and I feel that this lender should not be in business. The bill of {$1500.00} has ballooned to over {$7000.00}. In this climate, those fees are ridiculous. In addition, the account is being reported as open and past due with is incorrect. Please remove this account from my credit report.
Consumer complaint received 2022-01-05
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. (CA)

've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-07-02
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (MN)

I opened up a Netspend account and you can access reload locations in Minnesota at most XXXX XXXX XXXX. I was at the XXXX in XXXX MN yesterday on XXXX/XXXX/2016 and store clerk XXXX assisted me. Store # XXXX XXXX XXXX XXXX XXXX XXXX MN Phone number XXXX. I was trying to put {$500.00} on my card and there is a {$3.00} transaction fee. He said it went through took my money and I thought that was it. I went out to my car and realized I never got the instant text message alerting me to my funds being added. I immediately get on the phone to call Netspend Customer Service and they were clueless. I went back into the gas station and XXXX told me that he could not help me my money was in the safe and that I would have to speak to a manager XXXX or XXXX on XXXX/XXXX/2016. I called the store at XXXX this morning on XXXX/XXXX/2016 and spoke to XXXX. He told me could I come in there with my receipt. I did just that got there around XXXX. He looked into it and found that he was getting a failed message unable to load my pre-paid debit card. I just want my {$500.00} back. XXXX took my only proof in my receipt to take my Name, Phone Number, & Address down. I have contacted Netspend via e-mail will be calling them back. I have called & emailed XXXX XXXX XXXX corporation but I 'm afraid I 'm not going to get my money back. Please help me.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I sent a letter XX/XX/21 and no response from the company ( LVNV FUNDING LLC ), I sent the actual letter the I received from credit XXXX XXXX letting them, know that I was not liable for the account because it was open due to identity theft. No response from the company.
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX  XXXX was paid 2 years ago. 

XXXX XXXX  was sold to a third party without my permission. 

Medical bill was paid 4 years ago
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

Where do I begin. The credit bureaus service no purpose. They are created to destroy peoples lives and there is nothing we can do about it unless someone in power takes a stand an abolish all three of the companies. Since the pandemic, my XXXX XXXX  and personal life has been affected due to the Covid-19 and the credit bureaus are making the matter worse. I reported with all my credits my financial situation and how my XXXX XXXX has shutdown due to this crisis. The government has instructed the credit bureaus to not report consumers late on their credit report and they have disregard that request and my credit has dropped 250 points. I now have poor credit and I can't do anything to reverse this. I've made numerous disputes and the credit agencies keep saying it's under reinvestigation. Please hear me scream at the top of my lungs. How can these worthless folks still have jobs and they have ruined the lives of millions of people. I know I'm not the only one affected by this inhumane behavior. 

Due to the agencies reporting my creditors as late, many of my accounts were closed, the credit limit was reduced and my credit is messed up. Due to the incorrect reporting on my SSN, I was denied for both the PPP and EIDL government loan for my XXXX XXXX. The lender refuses to reconsider due to my poor credit. This undue hardship to my life is devastating. My XXXX XXXX  is in limbo and my personal life is no more. I need someone to take this complaint serious and help me. I don't know what else to do. These agencies need to be held accountable for their bad practices.