davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (GA)

I had purchases in the amount of {$640.00} on a promotional balance that expired with the XX/XX/2019 statement. I called the credit card company in XXXX inquiring as to when I needed to payoff the promotional purchase to avoid interest. She said I needed to make the payment after the XXXX statement closed. I made my XXXX statement payment in full of the expiring promotional balance of {$640.00} on XX/XX/2019, 8 days prior to the due date of XX/XX/XXXX. Rather than my payment paying off the expired promotional balance, my payment was applied to two other younger balance transfers and I accrued {$10.00} interest on the {$640.00} of purchases on the expired promotional balance on the XXXX XXXX. I called the credit card company today, XX/XX/XXXX, and they tell me I now need to make the payment in full plus interest to avoid further interest on the balance and that I made my payment too early as the balances were all 0 % promotional on the XXXX statement, yet I was accruing interest on the {$640.00} as of XX/XX/XXXX. I asked how come the payment wasn't applied to the balance accruing interest, and they said it wasn't accruing interest last month yet there is interest accrued on this months statement. They refused to fix the issue. Im not sure how I could have avoided paying this interest as they would not extinguish the expired promotional purchase balance with the payment in full I made before the due date. This can not be in compliance with the CARD Act of 2009, as I had a balance accruing interest and my payment was not applied to that balance.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I opened a line of credit with Brand source in XXXX of XXXX. On XX/XX/XXXX I made my last payment to close out my statement balance of {$170.00} All my bills are set on auto pay through my bank. I had never been late on my payments. Brandsource claimed they received my last payment a day late. I had never received a phone call from them and until I came across an email in late XXXX stating I had a past due balance of {$100.00} which I paid immediately and asked them to please remove the late payment they reported to the credit bureau as it was an error. I even offered to share my bank statement that shows the date I paid them. They refused to help me.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (AR)

This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX and XXXX attorneys for XXXX XXXX XXXX.XXXX
Consumer complaint received 2020-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MS)

The Institute closed after I graduated in 2015. I have over {$20000.00} in student loans and I cant use my degree. I cant even transfer my credits to another college. I went to XXXX XXXX for 2 years for nothing.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MS)

I got a cancellation notice from sears in XX/XX/XXXX I would call the company and never get through and no one would come to fix anything so I discontinued my warranty today I got a bill for the amount of {$300.00} never knew anything about owing this company a dime until they filed bankruptcy they never came to fix anything and would refuse to answer the phone. The last time they came to fix anything they advised I did not owe anything and it was a mistake on their part for having me wait 3 months for paying for the service and no one coming to fix my house.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX  ( and most likely other credit reporting agencies ) are reporting a debt shown by JEFFERSON CAPITAL SYSTEM, a collection agency, for a XXXX account opened in 2019. I disputed the account online with XXXX, days later they sent a status and said the account was VERIFIED AS ACCURATE. I contacted XXXX, and they say they have no obligation to ask for any proof of the account, if a creditor provides my name, address and social security number they will report it as a debt. After they asked me for paperwork to prove it wasn't my account ( I asked them, how am I supposed to prove a negative? Shouldn't the obligation be for them to ask Jefferson Capital for proof?? ). I also contacted Jefferson Capital, and after asking for all of my information, new  address, etc., they simply went into debt collection mode and asked about me paying off the account. I stated that this was not my account, I've never had an account with XXXX, and asked them to please send me whatever documentation they had relating to the account being established ( my signature, where was phone sent, etc. ). They said they couldn't do that and hung up on me.

How do I get this cleared up??? This is a ridiculous system where companies can submit faulty information and then aren't required to provide documented proof of the account when challenged.
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

On XXXX I received a notification that my account has been closed and pending disablement. In the email Coinbase stated, " We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business '' ... " As a result, weve unfortunately had to close your Coinbase account. '' I 'm a lawful citizen of the United States and and currently reside and employed inside the states, and my account should have not been closed.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (PA)

On XX/XX/XXXX at approximately XXXX I was alerted by text that international transactions were taking place on my US Bank credit card account. I call the credit card company immediately and they said they could do nothing about it but close the card, until after the funds actually left my account. At XXXX that same day the bank released the funds to the unauthorized transactions. I have since filed several disputes to which the Bank has agreed the transactions were unauthorized and claimed to returned the funds back to me, but I have never received the money back in my account nor has it been refunded to me in any other way. I have waited on the phone for several hours trying to reach someone in person most of the time in vein. I spoke to XXXX on XX/XX/XXXX who assured me my dispute was being handled. Around XX/XX/XXXX I received a complaint form from the USBank to fill out, which I did and faxed back the same day. On XX/XX/XXXX received a letter dated XX/XX/XXXX saying the issue was resolved and the money would be refunded into my account. I spoke to XXXX on XXXX and she stated she saw where I was supposed to be refunded but she also saw no funds were ever returned to my account and put in a research to find out what happened to my money. I have had not response. I have faxed the dispute department of US Bank on several occasions to no avail no response.
Consumer complaint received 2017-07-24
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: ACS Education Services (MI)

For ACS/XXXX to remove the 120 days late reporting status. The credit bureas to notice ACS/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All XXXX bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.
Consumer complaint received 2020-10-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Hi XXXX  and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

This is a follow-up complain to yesterday 's complain : XXXX.
I was able to finally talk to someone yesterday after I submitted the complain. I explained to them that I will get paid this coming Friday, etc. but they did not want to reverse the 2 overdrafts in the amount of {$72.00}. Today I am being charged again with another {$36.00} overdraft fee.
This is really abusive in their part after I called and explained the situation.
The resolution for these two complaints would be to reverse the charges.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

For over a week I have been unable to access my account online. This appears to be a widespread issue with Ally. This online-only institution apparently can't manage to keep a website functional. 

Clearing cookies and browsing incognito didn't work for both XXXX and XXXX XXXX, which together make up about 70 % of internet users per statcounter.com. For the past week I receive the following error when attempting to access my account : " An error occurred while processing your request. 
Reference # XXXX '' I contacted Ally a week ago, and again today, and they have no solution or promised fix. I was able to access the account by downloading XXXX and the page properly loaded. XXXX users make up 4 % of the internet market, so this doesn't bode well for the public 's ability to access their accounts for at least a week. 

This is wholly unacceptable for a financial institution whose only means of access is online.
Consumer complaint received 2021-01-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX. In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but Equifax  and XXXX  continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2020-10-06
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. (NC)

Equifax continues to report a {$3100.00} credit card collection from XXXX XXXX on my credit report. I am no longer an authorized user on this account, nor am I responsible for its repayment in any way. I have been contacting Equifax about this issue for months, but they refuse to take that account ( that does not belong to me ) off of my credit report.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IA)

The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. 

exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX   XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

I needed help paying my student loans so called Navient to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.
Consumer complaint received 2020-10-09
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. (PA)

I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated,  verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.
Consumer complaint received 2018-01-25
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: BB&T CORPORATION (FL)

On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (IN)

Someone tried to open at least one credit card in my name. XXXX XXXX called me to verify and I was able to stop it. However, I have had serveral reports on my credit report of attempt to open credit cards that I did not initiate. One with barclays Bank, and XXXX XXXX. Fortunately nothing has happened that I am aware of yet. I reported it to XXXX ID theft. They told me to report it here.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX  in XX/XX/XXXX. 
Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX  and given me the unlock code for my phone to switch over. 
I assume this was a discrepancy found later, which leads me to believe of identity theft.The other  scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections. 
Another point is that collections never contacted me, ever. 
I contacted them when I saw my credit score on  XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later. 
In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything. 
i can't talk to XXXX directly about the matter. 
ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount. 
Thank You -XXXX XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NJ)

It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in XXXX
Consumer complaint received 2022-10-04
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. (MD)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

In XX/XX/2018 I filled out form in order to open an account at Suntrust Bank considering I was about to start work and needed an account to receive my wage. 
As per the teller information, my account was opened. They gave me my bank details and copies of documents related to the account opening. I also made a {$100.00} deposit. 
When I started working on XX/XX/2018 I gave my Suntrust Details for my employer for Direct Deposits purpose. 
In the other hand, my debit card never arrived. I got in touch with the Bank on the first week of XX/XX/XXXX and was informed that my account had been closed. Ive never received any explanation about that. 
For my Surprise, for the time being my deposit was not returned. 
Suntrust cancelled my account and never returned my money. 
I would like to file a complaint to get my case solved and my money returned.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (MD)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i 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, aswillful negligence and non-compliance with federal statutes. Please update this account :