davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: Synovus Bank (CA)

This is a secured credit card with my investment of {$1000.00} I have had this account since XXXX. Had a fraudelent charge disputed XXXX  months ago that still has not been resolved. The card was locked for XXXX months because that department line is constantly busy. 
I have a XXXX $ plus available credit but the card is always declined. Now the general information number is not even active. 

Something is not right.
Consumer complaint received 2017-05-16
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)

I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the   XXXX   XXXX   XXXX   account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both Equifax and   XXXX   have refused to remove stating that   XXXX   XXXX   XXXX   has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in   XXXX   XXXX  . It is my very strong belief that this balance is an attempt by   XXXX   XXXX   XXXX   to extort money from its customers and that the resulting charge off was an act of retaliation by   XXXX   XXXX   XXXX   as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in   XXXX   XXXX  ,   XXXX   XXXX   XXXX   has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction  history ) to another  account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX    XXXX   XXXX   XXXX   management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a   XXXX   XXXX   XXXX   complaint in   XXXX   XXXX  , which also went unanswered.
Consumer complaint received 2017-05-16
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)

Today  XXXX   XXXX  I spoke with a   XXXX    Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him  XXXX  had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but   XXXX    has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (MD)

On XXXX, I submitted a CFPB complaint to receive the data that was shared to XXXX XXXX XXXX XXXX XXXX. SafeRent Solutions LLC is a reseller consumer reporting agency that provides tenant screening reports to its clients who are typically property management companies, landlords, and apartment complexes in the multi-family housing industry to support their evaluation of housing eligibility of an applicant. I'm concerned about my privacy as I do not recall signing anything to give SafeRent Solutions LLC my consent to to share my personal information. If I am mistaken, please send documentation with my acknowledgement and signature of agreeing to this. If I never consented to this, who authorized these transactions? I do not have any POA or authorized rep on the record who I've authorized to speak on my behalf.
Consumer complaint received 2022-01-05
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. (GA)

Sent a letter to the credit bureau about incorrect information on my credit report. They replied with a letter that claims an account is not reporting however, it is still on my credit file. They never replied with the request made in the letter.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: STERLING JEWELERS, INC. (VA)

I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. 

I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX. 

I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the XXXX.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (SD)

In  XXXX  of  2016 we found  out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2  payments to  XXXX  at this time.  One  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the majo r Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /   16 makin g  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with   Credit Reporting Companies.
Consumer complaint received 2022-11-17
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. (NJ)

I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX report the account as Closed ; Equifax reports it as Open XXXX reports a different balance than XXXX/Equifax All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I sent a letter to XXXX XXXX, XXXX, and experian regards to this debt let them know that I dont have an account with XXXX XXXX and never owed any balance to the company that they are mentioning in there letter. I would like this removed from my credit immediately.
Consumer complaint received 2016-10-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SLM CORPORATION (NH)

On XXXX/XXXX/16 I deposited XXXX by wire transfer to Sallie Mae for a one year cd. 
On XXXX/XXXX/16 I received an email which said my statement was available. copy attached. 
They gave me no previous warning that they were imposing onerous conditions on me that were unnecessary since they had my money. I then told them I did n't want to do business with them and to refund my money. they propose to charge me a fee that they call early withdrawal. and I feel is wrong and due to their fumbling.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through XXXX XXXX
Consumer complaint received 2017-05-16
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)

I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of the o rganizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization   XXXX   XXXX   XXXX   has been highly uncoorperative. They have been contacted over 6 times since   XXXX   /17  when the report was run. I can not speak to anyone higher in the corporation than a flo or manager, who te lls me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX /17   ,  two more times  with dates I did not document.On   XXXX /17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   XXXX /17    I spoke to   XXXX    who opened a case, took down my information and told me someone will call me . Noone called.  On  X/XX/  17  I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60 day late ch arge and reported to  XXXX ,  XXXX , Equifax lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.   XXXX   XXXX   will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-16
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. (LA)

XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old .  XXXX   XXXX   XXXX  said to me call Credit Bureaus.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I have reached out to XXXX XXXX multiple times and he has yet to return my phone call. I am being evicted and just want my money out so I can afford to move home. They have created claims randomly on dates I had no access to my account. So did I just come up with a number to claim fraud? How does that work? They refuse to balance my accounts out by putting money from my checking into my savings so they can continue to charge me overdraft fees. I lost my job and have no income and them holding XXXX from me is causing me to lose my apartment and have to move home. All I want is my money back after trying to move my money from another bank but closing my old bank too soon ( not knowing it takes 7-10 ) days for a check to clear. It is a simple check but XXXX XXXX of LA US Bank XXXX in XXXX, General Manager and Assistant VP, refuses to talk to a customer after I reached out to him multiple times to have a XXXX. But of course, he is as heartless as they come. Most of the employees I have talked to have said " that sucks '' when I tell them I am being evicted. All because they will not give me my money back and close my account so I have nothing to do with this illegal bank ever again. How they are not in more trouble is shocking to me but I guess that is how America rolls. Creating XXXX of personal loans, credit cards, accounts is not a violation of the law. So the FDIC is not there to protect consumers. None of them are. When I become a lawyer, I am coming after every bank and it's illegal activities.
Consumer complaint received 2022-11-17
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

PayPal is not letting me login to my account to access my funds. When I try to contact them there is no one available, they don't offer a reliable or helpful way to get assistance for the problems they cause, thus my problem has not been fixed. The problem originates when I try to login and they demand this : " We just need some additional info to confirm it's you. '' I did not turn on, nor do I want 2-step authentication, but they force this feature on me and the result is I'm being locked out of my account. They're illegally blocking me from accessing the funds in my account. To successfully login they want me to use a code that they send, but they are unable to actually send me one. To send a code they offer two options, 1 ) they can call and give me a code, or 2 ) they will text a code. But the reality is they do not call when I request a call. My phone remains silent. I've tried several times, always to no avail. Then they tell me I must get the code via text, there is no other choice. I'd rather not share any more personal info with PayPal because, for obvious reasons, I can't trust them. But they give me no choice and I'm forced to add a phone number to get a text. When I add my number they tell me " This type of phone number isn't supported. Check your number and try again. '' So now I'm totally locked out of my account and they are illegally preventing me from accessing my funds. I don't know why they can't accept the phone number I want to give them, it's the exact same U.S. phone number I use for other accounts ( e.g. bank accounts ) to receive security codes via text. But PayPal refuses to use this number. The only other number I have available is a mobile number that I can't receive texts on because I've permanently blocked all texts on that number. So they won't call me on my preferred number, and they won't text me at that number either. In effect they are discriminating against me for not having a phone number that they like. PayPal is abusing their position of power to deny me access to my account and my funds. If I could I would cease all business with PayPal, but unfortunately some of the work I do can only be paid via PayPal, so I'm trapped dealing with them. I'm sorry they are such a horrible company who leave me no choice but to file official complaints just to get them to perform basic functions like allowing access to my account. They should be heavily fined for wasting valuable government agency time, and they should be made to compensate me for the time I've had to take away from other productive activities to write this complaint. PayPal is a drain and a scourge on America and all the people who have to deal with them. If you are unable to fine them for their bad behavior, at the very least I still need access to my account, I want them to quit playing games with the login procedure and let me in to my account without hassle or delay, now and in the future.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (AR)

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MN)

We are continuing the previous case ( CFPB XXXX No : XXXX Ref : XXXX ) because the irresponsible and unprofessional response from XXXX XXXX from Customer Advocate Services Team of American Express XXXX 

After we provided the evidence from our payer 's bank, it's so ridiculous to see " There is a {$100.00} credit on XX/XX/XXXX '' as another explanation here. DOESN'T XXXX XXXX KNOW COMPANIES ' SELL SAME PRODUCTS WITH SAME PRICE? OR AMERICAN EXPRESS NEVER TOOK/PROCESSED DEPOSIT WITH SAME AMOUNT? 

We provide products/service to our patients, it's VERY NORMAL to be paid with SAME AMOUNT of check from time to time and even at the same date. And the amount of {$100.00} has been paid multiply times since we opened an account with Kabbage. 

As attached, please find three photos to support our claim for the deposit of {$100.00} paid us ON 12/2/2021 that has NOT been credited to our account due to your banking malfunction.

Photo 1. Check paid {$100.00} on XXXX XXXX, XXXX, which is the one credited on XXXX XXXX. 

Photo 2. A DIFFERENT CHECK paid {$100.00} on XXXX XXXX, XXXX but has not been credited to our account yet. This check number is XXXX and IS THE ONLY ONE we have been contacting with Kabbage. 

Photo 3. The proof shows that the payer has never received {$100.00} but Kabbage claimed that this check with # XXXX has been returned to payer 's account on XX/XX/XXXX after " Mobile Deposit Reversal '' from our Kabbagge account. 
This evidence also shows that Kabbage cashed {$100.00} on XX/XX/XXXX from payer 's account. 

So, who stole the {$100.00}???????????? 

Hope Kabbage/American Express can get someone who is capable to understand and straight this out. Otherwise, we will continue the complain.
Consumer complaint received 2016-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I just went to pay my mortgage payment. I do it using a online system, was surprised to find my mortgage not there. When I called I was told my mortgage had been sold. To my knowledge I was supposed to be notified 15 days prior. I have no clue who owns my mortgage now and who I pay. I have never been late in five years of owning this home loan on XXXX payment.