davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A. (GA)

Hi brand new customer here. I received my card XX/XX/XXXX, activated it & completed the online enrollment process and immediately attempted to access my account through the mobile app. I was only able to login to the app once. I tried again a few hours later and I keep receiving the error message " temporary delays ''. This has been going on for me for 2 days now, and Citi 's IT department was unable to resolve the issue. The best solution they could offer was to uninstall, reinstall the app, and if that did not work reboot my phone. 

I tried using the app on another XXXX phone and the same message is displayed. Out of curiosity I XXXX " Citibank temporary delays '' to see if others were having this problem. It turns out this problem has existed for YEARS. As far as I can tell the " temporary delays '' issue with the mobile app has been around since XXXX. So fast-forward 7 years later and it still persists. This prompted me to start reading reviews of their mobile app on the XXXX playstore, and I unearthed a treasure trove of complaints. The vast majority revolving around not being able to login to the app. People can't even pay their bills, or unlock their card. To put it simply, it is freaking XXXX and this is ridiculous. If a customer is late with their monthly payment, all XXXX breaks loose. So why is it okay for Citi to knowingly neglect and ignore this on-going issue? How can a billion dollar company, struggle with such a simple and core feature functionality? 

And ... since I'm here. Would someone please explain why Citi performed 2 hard inquiries on my account from the same credit bureau ( XXXX  )? I'm asking because when I pull my credit report, I can see my score drop by -3 points from the first inquiry ( XXXX ). Then a few days later, it dropped again by -3 points for the 2nd inquiry ( XXXX ). All for the same credit card ( Citi double cash ) that I'm writing about right now. Had I known their " IT '' was this bad, I never would have applied for the card in the first place. 

Anyhow, I say all that to say this. Citi, you couldn't even keep me as a customer for a week. One week. 

Reconciliation is not an option, as I fully intend to close my brand new account as soon as your remote offices open. Going forward please acknowledge and address the many complaints from your other customers, especially ones as serious as bugs with your software and IT systems. There is a special kind of helpless, when you've experienced fraud and the only thing your card provider can do is recommend you try again tomorrow.
Consumer complaint received 2020-01-10
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. (TX)

On XX/XX/XXXX, I mailed Equifax and XXXX   disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because Equifax showed I first became 30 days late in XX/XX/XXXX, but XXXX  showed I first became 30 days late in XX/XX/XXXX. Equifax also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, Equifax responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. Equifax did not fix the error and the account is now entirely incomplete. If Equifax actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from XXXX on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK (IL)

I unfortunately can not view the records of my TCF account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually TCF bank owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for TCFs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.
Consumer complaint received 2020-01-10
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. (NY)

I requested validation of XXXX XXXX account by requesting a balance and a signed contract or application making me liable for said account as allowed by the FCRA. 
XXXX XXXX failed to validate account with a signed agreement or application and continued reporting the account on all 3 credit bureaus. 
XXXX  XXXX sent a letter datedXX/XX/2019 further stating that they could not send me a copy of application because they did not have a copy. 
They continued by apologizing for the inconvenience but yet continued to report the account to credit reporting agencies despite my request for the deletion of this account.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IL)

Hi Experian and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ditech Financial LLC (CT)

In XXXX, the Consumer opened a case against XXXX within the CFPB 's dispute mechanism. The subject of this case was the right to collect a debt alleged to be secured by the Consumer 's home. Matters were adjudicated between both parties wherein XXXX certified to both the CFPB and the Consumer that they no longer claimed the right to collect. They further stated that it was their understanding that the alleged debt was sold to Green Tree ( now, DiTech, LLC ). 

In XXXX, upon reviewing a Consumer report indicating the alleged debt from XXXX to Green Tree [ # XXXX ... ], a cease and desist was issued and an investigation as to the validity of the alleged debt in question was initiated by XXXX. The investigation returned unverified and subsequently said item was removed. 

In XXXX, upon reviewing a Consumer report from XXXX, the same unverified debt was still being communicated to a third party over and above a cease and desist vacant a notification as required under federal law.
Consumer complaint received 2021-06-16
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)

Ive sent several letters since XX/XX/XXXX asking for things to be verified and if they were, I requested proof but never got it. I can clearly see serious errors still reporting to my credit report like wrong personal information and account information. 

Dates letters were sent : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I keep having this collection come up on my report - I have disputed this many times from many different creditors and this same debt keeps coming back onto my account without notice. When I try to dispute this in written form ( 3 times ) I do not receive anything in return - just pop back up from a different creditor. I do not own this debt and I need it off of my report.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

TransUnion was notified several times by XXXX XXXX that all delinquent payments are to be removed and I have a letter from them affirming such. Despite the fact that all other credit bureaus have updated their file, TransUnion continue 's to report the delinquency despite being notified with the attached letter.
Consumer complaint received 2023-03-28
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. (FL)

The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-20
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: WELLS FARGO & COMPANY (NV)

There is a XXXX XXXX XXXX that I have found out using my identity information, which is from Lender, WellsFargo Home Mortgage , Inc. in XX/XX/2003. Its a Deed Of Trust, provided by XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
Abrevate legal discrimination XXXX XXXX, XXXX XXXX. Same address as the others, which is at XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Hello, I am submitting an Education Debt Reduction Program ( EDRP ) form through my employer the XXXX One of the requirements is that the loan servicer signs off my loan verification form to confirm my loans. 

I have submitted my form to MOHELA but they have yet to sign the form and they keep saying it is approved but there is still not signature. 

I have tried contacting them multiple times without success. 

I need them to sign this so I can start the process for loan forgiveness through my employer.
Consumer complaint received 2020-01-10
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: BARCLAYS BANK DELAWARE (PA)

Today, XX/XX/XXXX, I received a report that a new account was opened in my name with Barclays Bank Delaware for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called Barclays and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (MA)

I had a family death of my mother and she is in XXXX. My family in XXXX does not know how to take care of her so I had to do everything. Around this time we are having difficulties controlling our finances and business. We talked to AMEX and they told me after financial review that once I pay off the whole balance my cards would be reinstated. Instead 3 weeks later I still see it as cancelled. Please help me reinstate it.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NE)

XXXX. About XXXX, experian especially, XXXX XXXX, since XXXX they had discriminated me of my credit reports since XXXX, still not fixing everything right. I send i to you as well about my score, and experian is not taking off all of my student loans off because she had lied and changed the name and dated on their since XXXX XXXX nothing is suppose to be wiped off. And you are not being fair about my score and she keeps on dropping it. It 's why I need someone else to help and of my emails on phone as well. They respond back cause XXXX wan na sue you about my credit reports and they keep on ignoring to hold me back and to have someone else to get done for me. I know what I 'm doing by myself stuff. And ignore to me. So help me now please. I ca n't d it by myself. Or phone or emails. XXXX XXXX.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (CO)

I made withdrawals ( wallet to wallet for XXXX and XXXX ) from my BlockFi account that were not honored. They are still in a " pending '' status with an expected delivery date of XX/XX/2022 ( which has since passed by 5 days ). I contacted the company on XX/XX/XXXX th ( Untitled ticket XXXX ) with no response. Later, I found out withdrawals for all accounts were " paused ''. I was not aware they could hold the currency in my accounts. In fact, in the disclosures it says that money in my wallet was held and controlled by me.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In the past month alone, I have received almost XXXX offers for a new credit card that is " preapproved '' by capital one. Concurrently, I have been absent of anticipated and expected mail from other parties, in addition to numerous other signs and symptoms of financial abuse. ( Mail fraud being most severe, as it is considered a federal offense ). It seems apparent that CapitalOne, no less than excises unlawful practices in interstate debt collection. I have been consistantly seeking employment since XXXX, and I believe CapitalOne may be merely XXXX party involved in detaining my ability to gain lawful, gainful employment.
Consumer complaint received 2022-11-20
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: Nelnet, Inc. (GA)

My student loans are being reported on XXXX and XXXX with one erroneous 90- day late payment in XX/XX/2019 ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Hello, I am a victim of a large fraud of stolen checks deposited into the wrong account. So this is forged check fraud. In many examples, the checks were clearly made out to my company and then deposited into an account with a different name. I have copies of the fronts and backs of a number of checks to prove this. Also, Wells Fargo bankers have been able to check on-line and confirm the forged checks were deposited into the wrong account. 

Both my business checking account and the account where the forged checks were cashed belong to Wells Fargo. Working through my local bank manager, this issue has been raised to the highest levels of Wells Fargo. Although they see the fraudulent activity, they refuse to report it and refuse to take any action. 

I do have an open case with the XXXX CA police department. The case number is XXXX. Wells Fargo refuses to cooperate with the detective. 

My contact at Wells Fargo is : XXXX XXXX. 
Her phone number is XXXX. 
Her email is : XXXXXXXXXXXX I would appreciate any help you can provide in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
La XXXX, CA XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

When applying for a job I learned that there are XXXX unidentifiable Bankruptcies on my Experian credit report in XXXX 2014. XXXX is dismissed and the other is discharged. I have been disputing this with Experian and every month for the past 9 months ( XXXX times ) it comes back as verified. Finally called experian and they told me that have verified the information as correct. I asked them to call the courthouse. XXXX came back on the phone and said the number is busy. I asked her to verify the number which she said XXXX. The number is incorrect I advised her the correct number is XXXX. Which also led me to research the address Experian had for the courthouse on my credit file. The address Experian has is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is the XXXX XXXX not the courthouse. The correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I asked Experian how can the verify the Bankruptcy 's are mine with the incorrect information they have for the XXXX courthouse to be able to verify the accuracy as correct. They could not answer my questions. I have spoken to XXXX different employees. I as also rudely treated. I also noticed that the dates they have changed from month to month. I called the courthouse and spoke to XXXX. She said XXXX called and only asked for information on XXXX XXXX and gave docket number. The courthouse is not permitted to provide information on the social security numbers. Federal Bankruptcy Law Rule 1005 and Rule 9037 does not permit full social security numbers to be either given or provided to. Can verify with an address. The address the courthouse has is not my address nor has it ever been my address. Because of Experian Unlawful practices they are putting a tremendous hardship for myself and my family. I am unable to obtain gainful employment in the industry of been in for over 25 years. I am unable to obtain credit etc. They are breaking the law FCRA. If this is n't taken off my report I have an attorney ready to take my case which is cut and try. I have all supporting documents and a file XXXX feet high.
Consumer complaint received 2020-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc. (NC)

On XX/XX/XXXX I received a {$1.00} fee for administration costs. From XX/XX/XXXX through XX/XX/XXXX by Moneylion 's own admission my MoneyLion Plus Membership was transferred to their new Credit Builder Plus membership. I was receiving a 1 $ day and still now have a 390+ consecutive day logon streak, they owe me a {$1.00} to my investment account from XX/XX/XXXX through XX/XX/XXXXwhen I was forced to the new membership structure. Moneylion was unable to fix my funding account to allow me to fund the account from XXXX only withdraw to XXXX when I attempted to switch to XXXX where my direct deposit it, I switched back unsuccessfuly to XXXX and it is still not working as of today ( XX/XX/XXXX ). I have found a way through XXXX to get money to the Moneylion checking account so I can meet their new requiiements to get the membership fee waived. For all of XXXX and XXXX, they owe me {$19.00} to either my investment account or checking account. As a courtesy they are saying they will give me the membership fee for XX/XX/XXXX, but that has no value to me since I know the requirements to get it to {$0.00}. 

I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because :. I did hear XXXX was assigned as my complaint contact and she left one voicemail letting me know that fact but did NOT explain the outcome of any inestigation that the letter refers to. 

The first membership payment was made by me on a XXXX account a day before it was due ( XX/XX/XXXX ) as I knew it would fail since I could not get any funds into the account. The XX/XX/XXXX date must have been when it actually hit your account. Until the last four days in XX/XX/XXXX ( over a month later ), I have been fighting about this XX/XX/XXXX membership payment continuously showing as past due on my account for over a month. I had to send screenshots of the XXXX Account it was deducted from more than once to agents of Moneylion support to have it removed. This XXXX payment is finally resolved. The issue IS on your end and not with XXXX nor XXXX. I am still due the {$1.00} a day from XX/XX/XXXX through XX/XX/XXXX. It appears Due Diligence was not done by XXXX or Moneylion and while the XXXX Membership waived as a 'courtesy ' is actually due with no courtesy ( It is legally due when no service was provided ), I called back XXXX and emailed her and have yet to get a return call. This matter is not considered 'closed ' and will escalate if necessary. My compromise will be to correct the membership credits to my investment account for 2 months or the checking accounts PLUS the {$1.00} a day deposits to the investment account per your agreement. 

I have been a supporter for over a year and hope we can continue a civilized and productive relationship.