davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (CO)

I am writing this letter in hopes you can help me. I am a XXXX-year-old senior citizen who performed a reverse mortgage with AAG in XXXX of XXXX. At the time this was a positive experience but that has completely changed. 
In XXXX XXXX we had a issue with water backing into my home. I contacted a plumber who fixed the issue then I contacted another to mitigate dangerous wastewater that had inundated a part of my basement. I called my home insurer who after damage appraisal provided me a check for just under {$14000.00}. I also contacted AAG to inform them of the claim, it was now the problem arose. 
The check was made out to me as well as AAG ( the insurance company said this was standard practice as the check was over {$10000.00} ). 
In late XXXX the mitigation contractor XXXX XXXX, began calling me asking for payment. It was then that I contacted AAG by phone and they said to contact their claims division in Texas which I did mainly by phone. By XXXX AAG still had not paid the claim to XXXX XXXX and XXXX XXXX threated to send me to creditors. It was at this point I reluctantly decided to pay XXXX XXXX  directly with the belief I would be repaid by AAG from the check my insurer paid them. THIS WAS NOT NOR HAS BEEN DONE. 
I have called multiple times and sent numerous emails to AAG and their claims department only to get the run around. 
It is now XXXX of XXXX and I have not been reimbursed for out-of-pocket expenses {$9200.00} nor has any work been started for repair much less completed. 
They have taken advantage of me, committed fraud and theft. Ive been suffered financial and emotional hardship because of their deceptive practices. It is my hope that you have the power to force them to do what they should have done, as well as press charges, institute fines and rescind their license to do business in the state of Colorado so they dont take advantage of other as they have me. 
I am willing and able to provide any documentation requested by you as well as to sign any formal criminal and/or civil complaint documents against AAG. 
Please contact me at your earliest convenience to let me know next steps. 
Regards, XXXX XXXX
Consumer complaint received 2023-06-28
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Bankruptcy Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX**** Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-27
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: Continental Finance Company, LLC (NC)

Company Paying : Continental Finance City/State : XXXX.If you have any questions about your application please call us at XXXX Monday Friday XXXX XXXX XXXX XXXX ET and Saturday XXXX XXXX XXXXXXXX XXXX ET. This company has been pulling my credit for over two years I have reported them to the XXXX  I had the freeze my credit because of them and I need something done. Please help me!
Consumer complaint received 2021-12-08
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-10-27
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-22
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. (FL)

An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

See previous complaint XXXX on Equifax failing to set up a Fraud Alert after being notified to do so by XXXX. SEE THAT COMPLAINT FOR DETAILS ON THE ISSUES, THE INAPPROPRIATE RESPONSE FROM EQUIFAX, AND MY FOLLOW UP COMMENTS. 
1 ) I initiated a fraud alert in my account at XXXX. 2 ) XXXX notified Equifax & XXXX  to do likewise. 3 ) XXXX set up a fraud alert in my account there just 1 day later. 4 ) 18 days later, I checked my Equifax account and there was still no fraud alert on my account there. 5 ) on that XXXX day, I logged in to my Equifax account and I set up a fraud alert there and then. IT WAS NOT INITIATED BY EQUIFAX LIKE IT WAS SUPPOSED TO. 6 ) I filed a complaint to CFPB about Equifax 's failure, hoping that Equifax would quickly resolve the issue and otherwise to have CFPB provide greater oversight & lead to corrective actions at Equifax. 7 ) Equifax only provided a very lame response / no apology / no acknowledgement or commitment to fix any issues for future improvements - in their negligent eyes just a non-issue because there is now a fraud alert active in my Equifax account - WHICH I HAD TO SET UP MYSELF BECAUSE THEY HAD PREVIOUSLY FAILED TO DO SO AUTOMATICALLY.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TN)

I made purchases of {$2200.00} through homedepot.com using a Home Depot store card on XX/XX/2021 due to the promotional APR of 0 % offered by Home Depot. However, I see a statement appears to have diverted {$160.00} or more to a XXXX Balance with an unknown interest rate. I am disappointed that I am having to spend more of my unpaid time getting Home Depot to honor the promotional balance when I made a single purchase of {$2200.00} through the website in XXXX distinct purchasing transaction on XX/XX/2021. On XX/XX/2021, I called the customer service number at XXXX to resolve the problem. I spoke with a supervisor named XXXX XXXX XXXX XXXX  that attempted to resolve the diverted amount of {$160.00}. However, XXXX started reading a long legal description for individual transaction amounts -- instead of the approximately {$160.00}. I initially agreed to one amount. I was hesitant on subsequent amounts since the legal description was not in writing. I requested the terms in writing. XXXX refused. I restated my request that I have a XXXX & was having difficulty following, so I need the legal description in writing. XXXX refused again & claimed because I gave prior consent that I could not revoke that consent. I restated my position & stated I would have to follow up with a regulatory complaint because there is no reason I should have to resolve individual transactions from XX/XX/2021 due to Home Depot 's error. I ended the call due to the XXXX 's refusal to provide the legal description of the verbal terms stated on the phone call. From XX/XX/XXXX through XXXX, 2021, I continued XXXX Home Depot 's card services through their website homedepot.com/mycard. Home Depot staff continued their refusal to resolve the error, continued their refusal to provide the the verbal terms from XX/XX/2021, and stated they " noted '' the problem but would not resolve it. I am submitting this complaint so that anyone else that makes a purchase through the website under the terms that it was under a 0 % promotional financing does not get deceived by Home Depot diverting their transaction from the 0 % promotional financing. Thank you for your time, XXXX XXXX
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-10-13
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. (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXv XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (IL)

I was solicited by BMO Harris bank to open a checking account and I would receive {$300.00} bonus. I opened account and added my husband as co-owner on online application. The offer was to have direct deposit, account activity, and paperless statements. The account type was selected by BMO per the offer. It was not disclosed in clear terms that I needed the maintain {$25000.00} balance to avoid being charged $ 25 month. 

The account opening was in XXXX or XXXX. XXXX and XXXX I see 2 {$25.00} fees. I inquire and I am told that is based on account type. I explained this is what I was told should be opened for offer for {$300.00} bonus that was made. Offer only referenced {$6000.00} or {$8000.00} of direct deposit over 90 days with debit card activity and online statements. Nothing about keep $ XXXX balance. 

They refunded XXXX of the fees and in XX/XX/XXXX or so confirmed request to change account type. XX/XX/XXXX they charged {$25.00} fee again. I asked for this to be returned as I already changed account type to online account. They refused! I further inquired about {$300.00} bonus and was told I was an existing client! This was not true I had never been a client before! This whole thing is so sickening! 

People are struggling. I am an unemployed XXXX XXXX XXXX due to COVID collecting unemployment. It is painful that I get solicited for my banking. I keep my side of bargain and not only do I not receive the bonus but I am out {$50.00}! I am sure this nickel and diming bank has received some type of COVID relief from government. Its a crime how they are treating people like me struggling with no help. 

Please help me recoup fees and the bonus that is owed.
Consumer complaint received 2022-02-18
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. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 I submitted an online payment for the power services ( around XXXX ET ). The same day at XXXX ET was contacted by phone by scammers that affirmed that my payment submission was declined and i needed to submit payment on the phone to avoid suspension of the power services within the next hour. They tried to make me submit a second payment from the original account I used to submit the payment using XXXX as the method of payment. The type of bank account did not support XXXX and I was forced to use my personal checking account from Citibank thad did have the XXXX service enabled. 
They made me submit 2 payments via XXXX  with the information below XXXX using the XXXX  number XXXX and XXXX with XXXX  number XXXX. 
Once I realized it was a scam, the individuals hung up and never answered the phone ( they used a fake caller id number ). 
I contacted Citibank and XXXX XXXXXXXX XXXX XXXXXXXX, submitted a report with both institutions. XXXX has not reached out, but Citibank opened an investigation under XXXX. I can not open a claim directly with XXXX since I get their service from Citibank. I gave Citibank the phone number/account information used in the XXXX  platform hoping that they would retrieve the funds and refund me. Today, 10 days after, I have received a letter from Citibank declining my refund request and asking me to contact the scammers directly. I do not have a way to contact the scammers but they do have a way to force XXXX to track the users behind the 2 numbers provided to prosecute and force them to return the funds to my account. XXXX will not take my claim directly, since Citibank is the intermediary between me and them. 
I have been a citibank customer with this same account for over 22 years.
Consumer complaint received 2022-11-07
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: SYNCHRONY FINANCIAL (TN)

Synchrony Bank via Pay Pal Credit Card allowed a fraudster to open an account in my name using a fake e-mail address and an old home address that I had not lived in for almost 6 years. 

This was identified by me being denied a legitimate card request through XXXX XXXX via Synchrony bank. This process started in XXXX, first fraud reveiw was filed in XXXX, XXXX was in XXXX XXXX, and now the 3rd one just started on XX/XX/XXXX. The Fraud department denied the first filing because they said I RECIEVED BENEFIT and MADE PAYMENT which I did none of. The 2nd Filing was denied because they said that they could not get ahold of me to verify that I did not start the account???? Now the 3rd time they advise that it will be reviewed and corected by XX/XX/XXXX. 

Each time I have had to update my credit reports that the account is fraudulent, I have had to lock down my credit completely, my credit score has dropped 40 points, and I have been denied a car loan and the obvious credit card. Forcing me to use invested savings in a down market.
Consumer complaint received 2021-09-09
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: Bread Financial Holdings, Inc. (FL)

I have written letters over the years in regards to this account. I have never lived in the state of Georgia. This account was opened when I was barely 18 and credit was not even a thought. I am also a XXXX male who would not have any interest in obtaining a Victoria Secrets card. Someone has opened two accounts in my name I sent a new letter and identity theft affidavit back on XX/XX/2021 and the item finally got removed Comenity Bank then illegally re-inserted the account back on my credit report afterwards. I have no idea how this account was opened however it's caused a tremendous amount of harm to my credit scores. I went to XXXX Police Department and they stated that I would need to provide additional information for an investigation that leads to an arrest as of today they have not sent me the information requested. This is a serious matter that I would like addressed immediately. Please see attached documents.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

Attempted to pay my Express bill ( via Comenity ) through the Express app, however, it immediately asked for my bank account info to add the pay method. I could not add it as it already existed. I could not go on to a different screen to make a payment. I tried logging in via a web browser and it did not recognize the password. Attempted to reset but my phone number and email were not listed so I could not receive a reset code. Tried using ComenityXXXX  XXXX, but the site said my information did not match an existing account. I called the numbers listed on my statement, as well as on the website, but the automated system disconnected each time after a message stating they are working to resolve the intermittent disruption in service and to use XXXX ( which does not work ).
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have sent more then 2 rounds of dispute letters to Experian regarding a account ( XXXX XXXX ) that is being inaccurately reporting on my credit report that needs to be removed. Its not been fully validated and should be remove immediately.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I am creating an additional claim due find out more information. 
I recently was scammed by a person posing as a renter for an apartment in XXXX. This person refused to let me see the apartment and I backed out of the lease agreement. The person told me that I could submit a document to get a refund, but I have not received it. Zelle won't do anything about it because I authorized the first initial payment because I thought I was getting an apartment. The security deposit was {$1700.00} on XX/XX/2022. This week I found out that this person has scammed people before, and Zelle is fully aware of it. A woman I spoke to was scammed by the same person. She was not only scammed of {$5000.00} but this person stole her email, and her name, and froze her bank account. This happened before I was scammed, and Zelle already has a report on this person yet they still continue to let this person use Zelle with no protection for those who aren't scammers. I can provide more details, and I wanted to emphasize how Zelle gave me the blueprint if I ever felt the need to scam  someone.