davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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. (MN)

Im receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2020-05-13
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. (FL)

I had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCE CORPORATION (IL)

I owed a personal loan. My income was greatly reduced, and I was unable to make payments. 
Approx : XXXX XXXX I called One Main, and asked if they would be willing to make a settlement offer. They agreed to take a lesser amount. 
Approx : XXXX XXXX I received a letter stating the amount and date of payment. 
XXXX XXXX money was available to withdraw from account. 
XXXX XXXX the amount was deducted from my checking account., XX/XX/XXXX I filed a dispute with XXXX that the settlement was paid and not corrected on my reports. 
XXXX XXXX results were given to me on XXXX. I have also filed with XXXX and XXXX, but no results as of yet. 
Approx : XXXX I filed another dispute with credit bureaus and One Main has not resolved this issue.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

I gave my ex roommate a deposit for an apartment share on XXXX of XXXX which was {$920.00} including utilities. She gave notice by bogus electronic means after she had already vacated the apartment and again, without my knowledge, that the lease was up XX/XX/XXXX. XXXX XXXX XXXX  XXXX was the legal tenant on the lease and gave me an illusory tenant agreement which led to a highly suspect eviction and my current XXXX. While my rent and utilities were included in my monthly payments to her- she or XXXX XXXX XXXX  company changed the utilities into my name without my knowledge or consent and now they are attempting to collect and ruin the credit I have been trying to rebuild for years. 

XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (IL)

XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.
Consumer complaint received 2022-03-31
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: GreenSky, LLC (IL)

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with 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  All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TX)

I signed up for autopay to pay student loans but somehow it never went through. 4 months went by ( XXXX ) and I noticed the late payments. I immediately got with Edfinancial and they had us sign up for forbearance to rectify the situation and back date those payments. I was assured by the representative that it would take care of the missed months as well as remove the late payments from my credit reports for those 4 months. I signed up got everything squared away and notice only the month of XX/XX/XXXX shows no reporting and the rest ( XXXX ) are being reporting late. I called again and they said it could take 30-60 days to show up on credit report. I called back Again after the time frame to explain the situation, and how i was told it would be back dated and those late payments would not be on my credit report. I was told they only remove from some people but not others and that they couldnt remove them from mine.
Consumer complaint received 2020-05-13
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: DISCOVER BANK (NC)

1.XXXX XXXX XXXX is reporting I have an account with them and I have never had an account with them. 
2. Discover Fin Svcs has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX in its usual fashion made false claims in consolidating student loans for nearly 20 years ago and reissued paperwork for me to sign alone even though it was no longer valid for collection purposes with the thought that I may have a chance to going back to school. Despite allowing them to get away with that fraud they now have ruins my perfect payment history by instituting XXXX 's payment during a pandemic and somehow miraculously charging me a hundred and twenty days late now. First and foremost this loan is inaccurate and has never then used for XXXX as they claim but also to ruin someone's credit during a pandemic when you ordered the president was to defer those payments is it illegal immoral and another reason why they shouldn't exist as a company
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TN)

The company is LexisNexis. My case number is XXXX. They sent me a letter with a pin code to access my report. It is not being recognized by their automated system. I tried to fill out the required info on their automated system only to be rejected. I tried to speak to an agent by selecting the prompt when asked. It terminated my call. This happen several times. I find LexisNexis of XXXX, XXXX to be willfully evasive.
Consumer complaint received 2020-05-12
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: JPMORGAN CHASE & CO. (NY)

I put in a dispute to my VISA Chase card when I did not receive the service I paid for from XXXX. The credit card said that they allowed the merchant to be paid without providing the service because the merchant provided an fake email from another person in my family, who is not allowed to use the card, stating that I no longer wanted to dispute the charge. If I didnt want to dispute the charge I would have contact the bank, not the merchant. Technically, The credit card allowed someone not on my account to cancell the dispute. Although no one in my house did. I asked to see the proof of this statement and they ignore my requests. I wrote to the Chase executive office, and the Dispute Department of several occassions with no answer. I requested to see the document they claim ended the dispute. My complaints are this : 1. No one should have access or any say regarding my accounts except the people on the account. I provided a signed statement from the person they claim told the merchant that I didnt want to pursue the dispute, stating that he did not such thing. THE DIRECTION TO CANCELL A DISPUTE I PUT IN SHOULD COME FROM THE CARDHOLDERS TO THE CARD, NO TO THE MERCHANT. I SHOULD HAVE BEEN CONTACTED TO ASK THAT THAT DOCUMENT WAS TRUE AND LEGITIMATELY FROM ME. The dispute department is in XXXX and so is the merchant. This is illegal. This has been going on for months now. I just keep sending the same things to then as second and third requests for an answer. Pls help I received no service for the {$400.00} charged. That should be proof enough.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened a new online checking account from Citibank in XX/XX/2020. A new checkbook was delivered soon after. I wrote a first check in XX/XX/XXXX. In XX/XX/XXXX, I got notified that the check was blocked/frozen and a returned check fee {$12.00} was charged from the other bank. I had to pay the original payment and the return fee. 
I called Citibank and asked about the returned check. The reps told me that it was blocked because I did not yet activate checkbooks/check writing. 

I have never heard of checkbook activation before. There was no notification regarding activation in the envelop with the checkbook. I was unable to find any policy about checkbook activation from the document/terms and conditions I received when I have opened the account. I was not able to find any policy regarding checkbook activation in Citibank website either. 

I activated the checkbook after long phone conversations. I also got refund the return check fee {$12.00} after another long phone call, on the discretion of the supervisor, even though the fee was from another bank, not Citibank. However I want Citibank to be more clear about rules so there would be no surprises for their customers.
Consumer complaint received 2020-05-12
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. (AR)

This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}
Consumer complaint received 2022-06-09
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: DISCOVER BANK (LA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (IL)

Today XX/XX/20 @ about XXXX XXXX  cst I attempted a international wire transfer with Western Union by phone and after giving some information I was then asked for an email address. I said Id like to have my receipt sent to my home address and was told I still needed an email. I was sure this was not the case as Ive made many transfers before so, I asked for a supervisor. A lady identified herself as Supervisor XXXX XXXX confirmed that that was in fact there rule. I asked and she was NOT able to tell me where I could read this rule but she couldnt honor my transfer without it. I feel like they only require this information of certain people and the rule discriminates against people who dont use the internet and email if, this is in fact there rule. In the past, I was always given the option of If I didnt have an email a receipt would be sent to my home.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

I have an auto loan from BRIDGECREST, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BRIDGECREST and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BRIDGECREST with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (AR)

My account has been closed for over a month now requesting that I upload my id and social security card. I uploaded the documents needed on the XXXX of XXXX And was told my account would be active to use in 48 hours. Then after 48 hours they said 5 days. After 5 days I uploaded the documents again because I havent been able to access my money for a month now and my power is shut off and I have a kid to feed this is ridiculous. Please help me I have called reliacard through us bank every day and the unemployment people said there's no reason why they are holding MY money. Its been a month!!!!!!!!!
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (PA)

I opened a XXXX XXXX checking account at M & T bank XXXX branch on XX/XX/XXXX. I'd received an advertisement from M & T a few days before that which said I could qualify for {$300.00} if I opened a XXXX XXXX account and fulfilled certain conditions. I've attached this advertisement. The condition to fulfill for earning this bonus was to set up recurring direct deposits from an employer and receive at least {$500.00} in direct deposits within 90 days of account opening. I set up direct deposits from my employer and received a direct deposit of {$1500.00} from my employer XXXX XXXX XXXX  on XX/XX/XXXX. I received further direct deposit of {$2400.00} from the same employer after the 90 days, but had clearly received more than the required {$500.00} in direct deposits inside the first 90 days from account opening. The advertisement stated that the {$300.00} was to be paid out within 90 days of receiving {$500.00} in direct deposits, which should have been XX/XX/XXXX. I was never paid this money. I should mention here that there was another condition in the advertisement to be fulfilled, and that was I could not have received a bonus on an M & T personal checking account in the last twelve months counted from when I opened the account. I did receive such a bonus in XXXX on a different account, but the last bonus I received an an M & T personal checking account was on XX/XX/XXXX. XXXX while I opened this account on XX/XX/XXXX so more than twelve months had passed since the last bonus. So it's clear I was eligible for the bonus and met all conditions but was still not paid the {$300.00} on time. I also made doubly sure that the banker I opened the account with actually applied the promo code to my account. Not only did I give her the code verbally and see her put the code on the application, I actually emailed her the advertisement while she was opening the account so I may have proof that I presented the promo code while opening.
Consumer complaint received 2020-05-12
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: CAINE & WEINER COMPANY, INC. (CA)

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.

I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Risecredit, LLC (AL)

I have been harassed by the company. Mr. XXXX had contacted me and also went on some type of XXXX system and found names and numbers of family members I havent spoke to in years and called them about my debt. He has continued to harass myself and family members. He says I owe over {$4000.00} and I told him thats not true. I paid that loan. He threatened to have the sheriff department to come to my home and arrest me and then sue me.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

XXXX  KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX AND EXPERIAN, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND EXPERIAN STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.