davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, I received a bill from Macy 's informing me that I was past due 90 days. I called them and they told me that they had sent the bills to my address, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I did not receive any of the bills they claimed to have sent me. I took care of the bill ( including late fees, which brought the bill to three times what I spent on the credit card ) during the same call and thought everything was okay. I checked my credit report and found that Macy 's and/or their servicer, Citibank, reported me to the credit bureaus. I called Macy 's back and asked again where they sent me the bills. They told me that they sent me the bills electronically to my email address as I had agreed to receive electronic bill. I never agreed to receive electronic bills to my email address. I checked my email account and I did not receive any bills from Macy 's. They also said they called me about the bill. When I asked them what phone number they called they said they called XXXX, which is a landline where I used to live in XXXX more than 9 years ago. By the way, I had provided them with my cellphone number, but they never called me on my cellphone number. So, Macy 's charged me late fees and reported me to the Credit Bureaus for bills I did not know I had. Prior to this issue with Macy 's, I was always on time with all of my bills. The only reason I wasn't on time with Macy 's bill is because I did not know of the bill.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit bureaus states XXXX XXXX XXXX XXXX, Account Number XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (CA)

The issue is My ex wife ( XXXX ) is listed as a joint card holder on this account and we both feel that is an inaccurate description. I am the only person who ever applied for this credit card back in 1993. XXXX might have been added as an additional cardmember sometime over the course of the 26 years I've had the card. In fact years ago I cancelled all cards except mine and specifically requested that I be the lone cardholder with any and all responsibilities toward future charges etc. Since that time XXXX has not access or a card but has continued to be listed with credit companies as a joint cardholder. XXXX called Discover months ago and they specifically told her the only way to remove her from the account was for me to take sole position of all debts and responsibilities in the final divorce decree ( which I did ). 

On XX/XX/XXXX I spoke with XXXX XXXX at Discover 's CEG team ( this is supposedly the highest department that deals with disputes at Discover ). I also spoke on XX/XX/XXXX with XXXX ( who claimed to be the manager of the department ). I was told the exact opposite information, meaning they can not and will not remove XXXX from Joint responsibility because she is a joint cardholder. I have asked numerous times for proof of this information and so far have received nothing. 

My belief is that I am the sole responsible party for this card and request that XXXX be removed and have all credit reporting concerning this account cease in relation to her. 

If not, I am requesting proof in a timely manner that XXXX is in fact responsible for the account. 

XXXX, XXXX XXXX
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 an identity thief transferred {$35000.00} out of my Citibank Checking account to an account at XXXX XXXX. Thief then withdrew all funds from XXXX XXXX account. Theft was reported by me to Citibank on XXXX.Citibank conducted a fraud investigation and on XX/XX/2019 declared they would not responsible for refunding me the money, stating XXXX XXXX was responsible. XXXX  XXXX  believes Citibank is responsible for refunding me the money. Neither bank is giving me back my XXXX THOUSAND dollars, instead they are pointing fingers at each other. 
I have filed a report with the FBI, the local police department and the New York State Attorney General. I believe Citiba is trying to offset liability to XXXX XXXX but the legal obligation to make me whole lies with Citibank.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NV)

I am filing the complaint as I was alerted to a new collection reporting to the bureaus via my credit monitoring site for {$180.00} on XX/XX/22 and that I received no communication via USPS or phone attempts prior to it hitting my credit. I reached out to the collector who advised they would delete their collection with payment, with that understanding I then paid. However, my grievance is due to the fact they only updated the collection to paid status with the bureaus when it was paid with the intent and understanding it would be deleted with payment. Due to erroneous & misleading collection practices I would like the collection removed post-haste.
Consumer complaint received 2021-08-31
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. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan servicer, NewRez d/b/a Shellpoint, paid for Earthquake coverage from my escrow account in the amount of {$530.00}. They will not issue a stop payment on the check issued XXXX. XXXX 's acknowledges they have not received payment. Shellpoint acknowledges they made payment in error and the check has not cleared. My escrow account is short {$530.00} and will be reassessed erroneously for XXXX based on their incorrect payment.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (LA)

On the day of XX/XX/2021 wallet and phone was stolen along wit a friends old check i was waiting on a loan to go into my account. I was that i had money that was for the amount of loan. someone tryed to wire transfer money out so i sent it to my wife to where it would not get taken agin and now my account is closed and her account is having problems wallet had my ss card id and birth certifecate in it with my along with all my cards.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021, Synchrony Bank ( they own PayPal Credit ) cancelled my PayPal Credit Account due to inactivity without any advance notice or warning to me. This is not good as the closing of this account lowered my credit score. Synchrony Bank/PayPal Credit should be looking out for its customers instead of damaging their credit scores. I should have gotten some kind of warning or notice from Synchrony Bank/PayPal Credit asking me if I wanted to keep my PayPal Credit Account active. This company is a joke!
Consumer complaint received 2021-08-31
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. (WA)

Inquiries not mine, and they belong to someone else. Possible fraud. Disputed with Equifax and they refuse to investigage and remove inquiries. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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. (MS)

My mortgage with XXXX XXXX was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( DMI/Origin bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from XXXX. I was trying to secure a loan for my freshman college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over XXXX plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...
Consumer complaint received 2019-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (CO)

my daughter took out loans to pay bills while attending XXXX achool. 3xXXXX. i co signed. i with the assistance of an attorney have requested an agreement for a payoff since XXXX XXXX. i am still waiting for a response. 
my daughter has been making payments since she completed her XXXX and got a full time job. 
do i have any recourse? i am presently writing up a request for release. are there time requirements for a response? i am frustrated with their lack of response. thank you for any assistance
Consumer complaint received 2019-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-08-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

In XXXX I was made aware of payments not made by my wife due to illness. It was around {$300.00}. As soon as I found out I contacted XXXX  and told them what had happened and paid the debt in full. The company refused to remove the blemish from my record. I cancelled my card immediately and filed a dispute with XXXX XXXX. They have my debt to income completely wrong and my credit card debt wrong. They refuse to update costing me hundreds of dollars due to a {$200.00} dollar error.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NV)

I was charged a late fee on a new card before I had even received the card or an initial bill. I have sent an email as they requested over a month ago and have been ignored. Have tried to call on several occasions and was on hold for over 30 minutes without a representative answering.
Consumer complaint received 2019-05-09
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: DISCOVER BANK (CA)

On XX/XX/19, Discover had a XXXX deliver their credit card without a signature onto my front porch at XXXX. I was not home at the time. About 2 hours later, per Discover credit card, there were about {$700.00} on charges on my credit card. At 5 pm the same day, Discover called to ask if I received my credit card, which I told them I had not been home. They said they would start a fraud investigation. About a week later, after I gave XXXX  ( I was XXXX XXXX XXXX   when all the fraud happened ) Discover calls me to tell me that the card was activated from my cell phone number. I told them I did not make that call. 2 weeks later, Discover informs me I am liable for the charges on XX/XX/19-that same day I faxed them my cell phone bill with log showing I did not make the call to activate the card, as well as the police report ID I filed that same day. I feel that Discover has been negligible in investigating this incident as I did not receive the credit card, have proof that I did not make the phone call to activate the card, and is still charging those charges to me. If Discover works with the police to pull the tapes from the XXXX where those fraudulent charges were made, I am sure they wont see a XXXXXX/XX/XXXX lady trying to pull money out of an ATM ( which were a majority of the charges ).
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK (AR)

On XX/XX/2022 two debit card transactions were made with XXXX XXXX XXXX that had no relation to us. The transaction descriptions are as follows : XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$420.00}, and XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$110.00}. Both transactions were noticed before they were completed, the bank was contacted immediately, and the account was put on hold. All other accounts were also put on hold immediately, and all debit cards were cancelled. We verified with XXXX XXXX XXXX directly and confirmed that neither of the charges were related to us. A quick XXXX search shows that this is an extremely common fraud method that has happened thousands of times to others, in exactly the same way. After investigation, the bank explained that we have no ground to stand on, and that the charges would not be reversed.
Consumer complaint received 2019-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a complaint with the CFPB on XX/XX/19 regarding a dispute of erroneous information found on my credit report that I mailed to Equifax on XX/XX/19. I did not receive any response from Equifax regarding my dispute which was received by the company of XX/XX/19. I sent a follow up letter to Equifax on XX/XX/19 that it had been more than 30 days and I had not received any results from my dispute of the unverified accounts. Upon receiving the complaint from CFPB, Equifax stated on XX/XX/19 that they initiated an investigation into the items, and it would take 30 days to complete. As of today XX/XX/19 it has been over 30 days from my dispute with CFPB and I have not received any results from my original dispute directly with Equifax on XX/XX/19, nor have I received a response from Equifax per my complaint submitted on XX/XX/19. Despite my written requests and complaints filed with CFBPP, the unverified items listed below still remain on my credit report in violation of Federal Law. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish which has been detrimental to my credit reports. I demand that all references accounts must be deleted and completely removed from my credit report. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX and Account # XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXX XXXX  Date XX/XX/2019 - not authorized by myself.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Hello and thank you for reading this. 

I had a major issue with coinbase. After reading into it it seems I am not the only one.

Coinbase was hacked and my account was included in the hack. I lost {$3700.00} at the moment in the account overnight. 

After reaching out to coinbase they investigated and reverted blame to me. They claimed that my Emails were hacked. I confirmed with my Providers and on XX/XX/2021 ( date of hack ) my email was safe. Coinbase never sent a log in confirmation and I have a two step verification every time I log on. After looking at the transaction details there was XXXX stolen from Coinbase in one transaction several accounts were effected. They deleted the transaction report when I went to print it it was gone. I found this as a huge red flag and they now not only are not helping customers but they are illegally hiding documents from their customers. 

I really just want to make sure this doesnt keep happening to hard working people. I like many people who invest in these companies are not wealthy but its not about the money what they are doing is wrong. I hope someone reads this and can help. I just want some justice for people who have fell victim to this.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (IA)

I sent a letter to National Recovery Agency in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I have a collection account from I.C. SYSTEM, INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions