davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

CITI bank confirm sit closed my CIT-AA account on XXXX and a COMPLTE freeze of my account. 
but the account was opened multiple times fradultenly XX/XX/XXXX and XX/XX/XXXX -- all got closed latest XXXX another card was issued and i never got it but for charges they call me all are Fraud charges and they are asking me to make minimum payments
Consumer complaint received 2021-12-17
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)

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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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. (NJ)

I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.
Consumer complaint received 2022-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I have called my student loan institute several times in regards to my loan and needing information to access my case in regards to payment and other information. I was given incorrect student loan ID number twice and not once was I sent any type of letter or email with correct information or apology and still have not been able to do so. 
I have called several numbers as I was trying to make a payment more than once and was not helped in the manner I should have been to properly access my account. 
Also I have had to file reports for identify theft and was trying to do so with my student loan institution and told them I was an identity theft victim and again got nowhere and no help. In still in the dark as to where my payments stand it my current status of my loan as I am struggling right now and not sure what my options are to get this taken care of.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MO)

In XXXX Barclay sued me for an outstanding credit card balance of {$2500.00}. 00 that had went to collection. Through my attorney and Barclay 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I believe Barclay did not report this account status in a timely fashion and as of today XX/XX/XXXX. The account status remains incorrect.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC ()

Celsius held my cryptocurrency, promising interest. They have prevented me from withdrawing my crypto, and have now field for bankruptcy. I was lead to believe that eg : >funds are held by third-party custodians such as XXXX and XXXX. Customers assets are protected by both companies, as safe as a bank.
Consumer complaint received 2019-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NV)

Barclay bank has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX  because of their failure to verify this with Barclay. They did not attempt to contact Barclay. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company (VA)

RECEIVED A LETTER FROM: FROST-ARNETT, XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX, ATTEMPTING TO EXHORT XXXX FROM ME AND THRATENING LEGAL ACTION.

I DO NOT OWE MONEY TO ANYONE.
Consumer complaint received 2022-08-23
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. (OH)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXOn my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2021-10-10
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. (IN)

XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.
Consumer complaint received 2022-10-15
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)

XXXX XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2022-08-23
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: U.S. BANCORP (CA)

Purchased two ( 2 ) XXXX XXXX XXXX from XXXX. Nearly 6 months later the items arrived and they are counterfeit. I contacted the XXXX XXXX rep and he confirmed the items as counterfeit. I contacted US Bank regarding the transaction on XX/XX/2022 and was issued a provisional credit of {$500.00}. I submitted documentation requested by US Bank. On XX/XX/2022 I noticed the provisional credit had been revoked. I called US Bank and was told the documentation I submitted was received but incorrectly formatted. I then reformatted the information and submitted it again via fax. Per the suggestion of the US Bank associate, I asked for a return call from the case processor. I did so for the express purpose that any additional information or requested could be fulfilled. I was told by US Bank to answer all calls even suspected spam calls because it could be from the claim processor. I followed these instructions to a T. Each week, usually on Tuesday I call US Bank and speak with another associate ; XXXX, XXXX, XXXX, XXXX and XXXX. All very nice people but despite what their notes may say I have never received a call from the case processor. Today, I called and was told the case was closed yesterday due to time. Any time limit was never disclosed. US Bank does not allow me to contact the case processor. US Bank has never initiated a single call or request for further information. I have explained that the US Customs and Boarder Patrol instructed me to not attempt to return the item as it is a felony to ship or return ship counterfeit merchandise. What US Bank is doing is re-victimizing me when they should be an advocate for me as a consumer. US Bank could have asked me at anytime for more documentation but instead they have stonewalled me again and again.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC (WA)

I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my credit score but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And XXXX did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (PA)

I received a debt collection notice from Diaz and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX regarding a loan balance of {$1000.00} from XXXX ( acct # XXXX ) that is not mine. XXXX, the debt collection agency, sent me a letter stating that if I pay {$350.00} to them, the debt will be resolved. I called Diaz & Assoc and they said that it is a loan from 2011, they had my name and last four digits of my social security number. I told the representative that this is not my debt, that I have never done business with XXXX, nor taken a loan out with that company. The representative, XXXX, said that the loan would be closed but I want to make sure that this is not fraud, and that the case has actually been closed and will not affect my credit rating.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (IL)

I am filing about money transferring company detail below : REMITLY INC XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Tel : XXXX XXXX XXXX www. REMITLY.com Money was supposed to be transferred in real time on XX/XX/2021 at XXXX XXXX but the money is not delivered till XX/XX/2021, time now is XXXX XXXX. 

The money was taken out from my bank account immediately on XX/XX/2021 They charged me extra fee as express for in real time transfer and it has been 3 days now that the money is not available for recipient. 

They are not refunding my money or transferring to recipients. 

I made more than half a dozens calls to the company but no results. 

Please look into this matter seriously. 

This company is not trustworthy and should be out of business. 

I suspect that the company is involved in fraudulent activities.
Consumer complaint received 2021-10-10
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: DISCOVER BANK (MN)

Discover 's fraud department had credited {$3900.00} during the monthly statement of XX/XX/XXXX- XX/XX/XXXX. 
The balance as of todays date still does not reflect the credit for the fraud and or unauthorized transactions. 
We refuse to pay for transactions that were not authorized by us, nor made by us and never benefited from those fraud and or unauthorized transactions. 
The Discover account needs to be properly credited from those fraud and or unauthorized transactions plus any fees associated with those transactions and any interest that Discover had applied. 
I've contacted the fraud department several times and even 6 years later, the dispute has not been fully resolved. 
The most recent contact with Discover was in XXXX XXXX. I spoke with XXXX in the Discover Charge Off Department explaining that the entire balance Due is of Fraud and or Unauthorized charges/transactions. 
I explained to XXXX that the fraud department has been negligent to properly credit all fraud and or unauthorized transactions. That I have been dealing with the fraud department for years and will no longer contact them since they aren't doing their job. 
I also explained that we will not pay for any charges/transactions that we did not authorize, nor make and most certainly didn't benefit from. 
As of XX/XX/XXXX, there has been absolutely no contact from Discover from my call in XX/XX/XXXX.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KS)

I was just informed today randomly after sending money on XXXX XXXX via my account with Chime, that they have closed my account effective immediately today XX/XX/22. No warning or notice was given, which is very strange and feels like a scam in my book due to my direct deposit hitting as well as me having almost {$900.00} already in the account, and then right after my deposit hits my account you all just close it? And then tell me I have to wait 30 days for MY MONEY THAT I WORKED FOR! I HAVE TO PAH MY BILLS TO WHICH YOU ALL ARE HOLDING MY MONEY AND CAN NOT GOVE ME A REASON AS TO WHY YOU JUST CLOSED MY ACCOUNT! I have seen numerous complaints of the same tactics with this online bank and thought after being a valued customer for the past XXXX years it would never happen to me.! I NEED MY MONEY IMMEDIATELY!!!!! I DONT HAVE TIME TO WAIT FOR 30 DAYS AS I HAVE BILLS AND FOOD TO PURCHASE FOR MYSELF AND MY FAMILY!!! THIS IS RIDICULOUS AND IT NEEDS TO BE RECTIFIED IMMEDIATELY!!! I CAN CARE LESS IF THE ACCOUNT IS CLOSED, BUT I DO CARE THAT I GET MY MONEY TOMORROW! I need it NOW!!!!!
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

On XX/XX/2021 my card was stolen and fraudulent charges were made to my card. Multiple authorized activities took place. I explain to XXXX that my ID was stolen as well. I have asked that these unauthorized charges be reversed. I have contacted multiple merchants regarding the time and places of these unauthorized transactions. I am asking Chime XXXX to refund and correct my balance from XX/XX/2021 - XX/XX/16-2021
Consumer complaint received 2022-10-15
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)

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK (GA)

I was notified in XXXX XXXX that I was behind on mortgage payments in excess of {$4100.00}. This is inaccurate since I have made every single payment on-time as scheduled since notifying the bank in XXXX of XXXX that I would not be needing further assistance by way of deferring payments enforced by the fed guidelines in the Cares Act and that I would be resuming payments as of XX/XX/XXXX. On XX/XX/XXXX, I resumed my mortgage payments as shown online using the United Community Bank website for payment reference. United Community Bank initially started refusing bank teller payments after my first 2 payments and stated I would need to use the online banking payment option to make my payments on my mortgage, which i started doing around XXXX, XXXX. It was not until around XXXX XXXX that I was threatened to make an over {$4100.00} payment to bring the account current. After several attempts to contact the bank I was told that due to Covid the bank was severely behind in account reconciliations and they were working on the issues, yet they have still taken severe Steps to intimidate me by posting notices to my door, taking pictures of the house m, and delivering threatening letters of foreclosure.
Consumer complaint received 2022-08-02
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 (FL)

I made a payment to US Bank for {$520.00} on XX/XX/XXXX towards my credit card. And it has not applied yet. This is the second time happening my money keeps disappearing. I call them they first kept telling me that they dont see the payment I think that was about 6 different people. Then I mentioned to the supervisor that I was going to file a lawsuit immediately she found it and found out that there system messed up! and that shes glad she found it and that this is simple she will refund my money back to my card I paid it with and plus the XXXX {$41.00} return fees that was changed for nothing and it will be back on my card 3 to 5 business days which was XX/XX/XXXX still nothing. I called back Friday XX/XX/XXXX a different supervisor said I h shes sorry that she put another rush in that will take 2 business days still I havent seen my money. It was debited from my account on XX/XX/XXXX 3 days after I made the ach payment :
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The three credit unions XXXX, XXXX XXXX Equifax are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-10-15
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)

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates