davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MA)

On XX/XX/21 I contacted Cardmember Services to close my secured credit card account. I was told I would have a check. in 7-10 days. On XX/XX/21 I received a letter from them stating they will not close the account until XX/XX/21. I contacted them today and said it is policy to wait 30-60 days until they process the request. So now I have an account I can not use and {$310.00} tied up for these 30-60 days. It seems unjust that they take money immediately and assess fees and fines immediately but sit on refunds and return of funds for this length of time. 

The card was issued through XXXX XXXX  but they disavow any association with the card who is handled by Cardmember Service out of XXXX, ND. They direct all correspondence to Elan Credit Department, XXXXXXXX XXXX XXXXXXXX, XXXX, ND - XXXX with a phone number XXXX.
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NY)

On XX/XX/2019 I reached out to XXXX  regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account.

I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after. 

I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment.

I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all. 

XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account. 

Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another. 

Thank you.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION (VA)

I received a phone call 2 weeks ago that a third party company would be reaching out to send modification documentation. I have been calling to follow up because I have not heard anything. No one answers the phone, it gives the option to leave a message, which I chose to do, however no one has ever called back. I really just want to get the modifications documents and pay my escrow shortage if possible. It seems impossible.
Consumer complaint received 2019-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

On XX/XX/2019 I called the ERC company to send documents through the fax machine. They told me they're a paperless company and they don't have a fax number. I than ask for an email she keeps on about if I have an account with them. Than I ask again how can I get something to them. She keep on wanting to know if I had an account with them. I said I really don't have to answer that. She than got her supervisor on the phone XXXX XXXX than I ask him for a fax number. He told me an email at XXXX so I emailed ERC. Just give others the right to get information to them. I have no idea who these company are. I not going to just give up {$1000.00} to everyone that come on my doorstep. Anyone could be praying on anyone these days. ANYONE can get information off the internet. Being overly cautious isn't a bad thing.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IN)

the exact same, everyday i power off my device, and this # XXXX is the first number to call with out fail, even though i have this number blocked through other means it still calls, and from that point throughout the day it calls. this has become an issue that is now disturbing my peace, and i would like it to stop
Consumer complaint received 2021-10-13
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. (CA)

I had a XXXX XXXX Credit card with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XX/XX/XXXX, which eventually turned into a judgement. I have paid the judgement in full according tot he amount they requested, they cleared off the amount but still are showing an owing balance of {$650.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.
Consumer complaint received 2022-08-24
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. (FL)

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

An unauthorized charge was made for a resort stay to my account. The bank temporarily issued a credit, then reversed it. The resort was paid for via a 3rd party and I was able to stay at the resort from XXXX XXXX XXXX, and only provided my debit card for authorization for security deposit. I was subsequently charged by the resort on XX/XX/2021 for the full resort stay, even though they were already paid for my stay by the 3rd party. I essentially paid for the stay two times, the bank did not rule on my favor despite detailed documents clearly showing the resort charge was unauthorized. They refuse to acknowledge my appeal or make any updates on the investigation and I have been requesting my money back for 6 months.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

I have 20 years of perfect credit history this one account with PNC was a couple months late due to covid and my being on unemployment it was negotiated and paid in full and I believe the federal government protects consumers against this negative credit reporting during covid and I want it removed
Consumer complaint received 2021-12-20
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. (TX)

I have made several requests via mail disputes for EQUAFAX to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EQUAFAX credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. XXXX  should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify XXXX with the letter to update my account but they have yet to fix it. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX  Update account XXXX  XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2019-06-14
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: Credit Karma (GA)

Contacted XXXX on XX/XX/2018 about another account. But I checked my credit report later that evening and there was a new inquiry on my report hard inquiry from XXXX XXXX. Never heard of this company.can you help please.
Consumer complaint received 2021-12-20
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. (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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

On Thursday evening I bought a mini bike from XXXX  XXXX  XXXX  XXXX  in XXXX, michigan. I applied for a credit card was approved for {$1000.00}. I denied the 24 month no interest deal. This deal was {$100.00} to pay 0 % interest for 24 months. I did not want that. I wanted the basic deal of 12 month 0 % interest. So I was charged right from the beginning a {$100.00} fee for my mysychrony account credit card. This is still showing on my balance. I returned to the store and told them I wanted to keep my utilization rate under 30 % so I make a {$760.00} payment. Now my credit score has dropped over 100 points because it is showing a double charge on my account.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kramer & Frank, P.C. (MO)

I would try to reach someone in the company and they are hard to get a hold of. I made 4 payments and they stopped taking the payments out. Then I repeatedly tried to get a hold of someone and their phone system is useless. They have now garnished my bank act instead of place of work which I have never heard of.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

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

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX THESE INQUIRE IS NOT MINE! 
SYNCB/LOWES 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 XXXXSYNCB/LOWES 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 

( Make sure you put the Account Name and Account # ) has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AL)

I will skip over all of the nefarious practices that Navient has been engaged in since ( at least ) the life of my Joint Spousal Consolidation Loan plan. My main goal now is to have a copy of my Master Promissory Note. I received a letter on XX/XX/XXXX stating the XXXX would be sent out within 10 days. I have yet to receive it.
Consumer complaint received 2022-08-12
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. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (SC)

I tried to open a new bank account online with Citibank in XX/XX/2021. I was able to open the account and deposit {$950.00} into this account via online transfer. I also submitted all of the documentation they requested with regards to my ID and address. I kept receiving emails from them requesting the same documentation over and over again which I submitted multiple times. When I called them to find out what the problem was, I was told that they were not willing to open a new account for me because I was living outside of the US. This was in XX/XX/2021. So at that point, I told them to close the account and send me a check for the money that I had deposited into the account. But they never closed the account and I never received the check. Since this time I have called them every 2 weeks to try to resolve this problem. They keep telling me they will send the check, but the check never comes. This has been going on for 5 months now with me making repeated calls to their customer service department. No matter what I do, I can not get Citibank to return my funds to me.
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MO)

I am suffering from Covid and dealing with numerous deaths in my family. I notified the bank of a hardship and that I was out of town due to family XXXX and XXXX. They decided to request more information then originally after I told them that I was handling funerals. Us bank is intentionally causing infliction of pain and suffering. They stop me from doing the loan forgiveness a year ago while in the middle of applying to change the terms multiple times which had me confused. I told them I would just pay it back due to the hassle and their deceit and they are ignoring it just to cause any suffering to me possible while I deal with death.
Consumer complaint received 2021-10-12
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (CA)

I got a notification that I had a collection account on my credit report and it was from National Credit Adjusters with XXXX XXXX. This account was included in my bankruptcy in XX/XX/XXXX. I called XXXX XXXX XXXXXX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with National Credit Adjusters. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from XXXX XXXX that I will attach to this claim.
Consumer complaint received 2021-10-12
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. (CA)

I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly. I demand a proper investigation or the removal of the account above mention
Consumer complaint received 2021-08-30
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: JPMORGAN CHASE & CO. (VA)

I disputed 2 fraudulent XXXX  charges with Chase, my credit card company and they claim that these charges are not fraudulent. I asked them to review this a second time and they state that they have reviewed it and I indeed receive the service. 

The charges were on XX/XX/2020 for the amount of {$560.00} and XX/XX/2020 in the amount of {$1000.00}. 

I am even willing to show them my XXXX account that doesnt have any of these rentals. I have attached a screenshot of my profile and the trips to this complaint.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (TX)

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to XXXX and Experian notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and Experian are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. XXXX, Experian, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Consumer complaint received 2021-12-20
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: Incomm Holdings Inc. (NY)

I cant even explain how terrible the customer service reps are within this company. On XX/XX/XXXX I attempted to register my card online and send money to myself using it on XXXX. My XXXX. It wasnt working so I called to see XXXX dollars had been taken off by some random consulting company. I told the rep I didnt take that money off to which he told me maybe I should stop putting my card in random websites. Like what? I asked for a supervisor to which he blocked my card and hung up on me. I called again and again and again over the next couple of days until I just gave up. All I got was some rude replies and telling me I have to wait 90 days. Today XX/XX/19 Im like let me check and see if anything changed, again a rude rep, when I asked what happened if this false company doesnt respond he says I assure you its not a false company, to which I said ok so what kind of company is it, he said wait 90 days and they will tell you after they investigate, Im like Im not sure you understand what Im asking, he kept repeating 90 days 90 days 90 days. What is up with this company? I only used my card once at XXXX XXXX and then registered it on their website, now my money is gone,. The reps are rude, vague and just sketchy, they are all over seas completely unregulated and unchecked in the way they speak. Im upset because my money is stolen right before XXXX and a rep is telling me I need to be more professional as it is human nature to be professional. I want my money back and I dont want to wait 90 days and I will be seeking out a lawyer because I feel they enabled the debiting of my money. I literally had to sell my phone and that was the money from my sale for my XXXX kids XXXX. I was belittled and mocked by their over seas agents. I would never recommend this gift card to anyone.