davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I opened a " select checking account '' at Santander on XX/XX/2021. The promotion stated that the first business day after account opening was considered the " account opening date ''. Since XX/XX/2021 was a Friday, that meant that the following Monday XX/XX/XXXX was the official account opening date. I signed up for a promotion that required that I make a total of {$6000.00} in direct deposits within 90 days of account opening, to get a {$400.00} deposit to my account. I met the requirements on XX/XX/2021. The rules stated that I must wait 30 days from the last deposit I made, which was today, XX/XX/2021. I did not receive the {$400.00} that is due to me. I was also charged a {$25.00} fee that I would not have been charged had I gotten the {$400.00} deposit. 
I kept my end of the deal, Santander did not. Please deposit the {$400.00} to my account as well as the {$25.00} refund.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXX sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX  XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; DEPT OF ED Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXXXXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mortgage Research Center, LLC (FL)

Veterans United Home Loans, XXXX XXXX XXXX, XXXX, NJ XXXX has continued to indicate I was late six ( 6 ) times on my mortgage payment because of their mishandling of my account. No attempt was made by them to notify me of an issue because of their incompetent handling of my account. I complained directly to them and they refuse to even acknowledge the issue I raised responding only that their reports to credit bureaus was accurate. It is not.
Consumer complaint received 2021-11-26
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: NAVY FEDERAL CREDIT UNION (TX)

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 U.S. code 1692d ( 1 ), 15 U.S. code 1692j ( a ), 15 u.s code 1692e ( 1 ) ( 2a ) ( 3 ), 15 U.S. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud.

You/reporting agency are also in violation pursuant to 15 U.S. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 U.S. code 1692k for damages.
Consumer complaint received 2022-06-14
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 account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. State 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 instruction.
Consumer complaint received 2023-06-22
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: Access Credit Management, Inc. (AR)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Access Credit Management in the amount of {$840.00}, I am unsure of any account number regarding this collections ) has violated serval of my rights. 

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

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

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Neon Newco Corporation (CA)

I purchased a XXXX prepaid debit card at XXXX on XX/XX/22. 
I had {$500.00} uploaded on the card and I was told by the XXXX employee to call and activate the card. 
Upon my attempt to activate the XXXX prepaid debit card in which I now had {$500.00} on I was told that the card could not be activated and that it was a Netspend prepaid debit card. 
Nothing on the card, the inside or outside contents of the XXXX prepaid debit card indicated that it was associated with Netspend. 
I surely wouldn't have purchased it if it had. 
I was not given a reason why. I was told that I could not get an immediate return of my monies and that they would send me a check for {$500.00} in 10 business days. 
Netspend is using defective credit practices to sell these prepaid debit cards. 
They are not disclosing on the cards inside or outside that they are Netspend. 
They are doing the same thing they were doing when the FTC sued them and won {$930000.00} lawsuit. 
Yes, I did my due diligence. 
This company is a fraud! 
I have lost ti.e and money. I was to pay a state licensing to continue operating my company now I can't pay the fee because they have my money and refuse to immediately return it to my bank account.
Consumer complaint received 2023-06-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

On XX/XX/2021 I reached out to Dynamic Recovery Solutions , LLC and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

After reviewing my credit report, I noticed an amount on my credit stating that was owed XXXX from ARS ( ACCOUNT RESOLUTION SERVICES ). On my credit, ARS is claiming that there was a service received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX for {$1400.00}. I sent ARS a letter on XX/XX/XXXX, to VALIDATE this and provide me with competent evidence that I have any legal obligation to pay ARS. ARS ( ACCOUNT RESOLUTION SERVICES ) sent me back a letter on XX/XX/XXXX, only VERIFYING the alleged amount owed. That is not what I asked for.
Consumer complaint received 2022-08-01
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Regulator, A Company ( the details provided below ) having and account in Bank of America running an XXXX scam. I am living in XXXX XXXX, where I work in XXXX XXXX The below company offer education courses ( as per their marketing emails ), and once information provided by me they have sent me an email for courses details which i never responded not agreed to take part in this program. Later the people engaged with this account called me ( XXXX XXXX  ) and threatened me over the call that we have arrangement with XXXX XXXX XXXX ( Government ) and on behalf of XXXX XXXX XXXX we have booked a seat for you. If you haven't paid the fee there will be legal consequence from Finance Division of United States Education Dept ( as they mentioned on your letter head as attached ). Under this pressure I have paid a cancellation fee XXXX XXXX XXXX and just after the call I released that its scam. I called my Bank and logged the complaint in XXXX XXXX ( XXXX XXXX Bank ) to stop the XXXX transfer. I am following up with the XXXX however the funds has already been remitted to bank of America at below account. I have attached the the fraudulent cancellation invoice and payment details for your reference and seeking your support.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

THE CREDIT BUREAUS HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS ISSUE I'M HAVING WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT AND DRAGGING MY SCORES DOWN.
Consumer complaint received 2022-01-24
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. (FL)

I had received my credit report and seen that on the report there were inquiries that I did not authorize, so I called the companies and asked why they did a report on my credit, they all stated they had not done a credit report and have no idea what I am talking about, at one of the places XXXX the girl that spoke with me stated her company has me know were in there system, so I called experian credit reporting agency, the man was so rude and XXXX  and said did I purchase a car last year and I said yes with XXXX he said oh well they can run my report with out my permission, I stated no they can not, he said they do it every day and they can not take off the inquiries, I said I gave none of these companies permission to run my credit and actually when I spoke to these companies they stated they did not run a credit check. so how are these credit companies allowed to do this? say they ran the credit when they didn't and also with out permission? so they can keep credit scores down to help charge higher interest rates.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

I have been a victim of identity theft and have asked Lexis Nexis to completely opt out of my information but instead they have ignored me request on multiple occasions. My information should be surpassed.
Consumer complaint received 2022-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VEROS CREDIT, LLC. (CO)

I purchased my truck in XXXX of XXXX. My finance was offered through VEROS Credit out of Southern California. They offer online payment service for the loan but the online service servicing company changed processing platforms. The platform does not recognize all debit cards or bank cards. The company knows that the system doesn't work. I have submitted over 5 written complaints to the company regarding the inability to pay my bill on time due to their technology malfunction. I have now had a negative report on my credit for numerous payments VEROS considered late. I was told to get cash and pay my bill at a XXXX XXXX with the added service charge from the store. I have also been told to go to a XXXX pharmacy to make the payment or even get certified funds and mail it to VEROS. The distance from my home to any of the aforementioned businesses is XXXX miles and I shouldn't have to pay the added fees nor travel when my contract stated I could make payments online. They call on average 9 to 12 times daily and are rude and menacing. Threats of repossession are made and am told that they can take my vehicle at any time for any reason. I have attempted to contact VEROS management to no avail. The customer complaints department hasn't returned my calls, letters nor emails regarding this issue. The collectors that call tell me they are only involved with " getting the money '' that the rest " isn't their concern. '' I have asked for calls to stop as far back as XXXX of XXXX and the calls continue to this day. I have already received 3 calls as of XXXX am on XX/XX/XXXX after letting them know again last week to cease. I have recorded over 25 calls since I asked last week to have the calls both at work and home stop. These people are relentless and nasty when you answer calls. Their negligent practice has negatively impacted my credit and has cause severe mental duress. The abusive use of their autodialer makes answering the phone stressful.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I contacted Experian in regards an error with an entry of XXXX XXXX that appears on my credit report as charged off however this reporting is false along with the amounts that appear on my credit bureau Experian informed me that they contacted the company and they verified this information to be true. I decided to reach out to this said company and ask for proof of information that is being reported to Experian to my surprise the credit was shocked according to the letter attached that this reporting had been going on they stated they sent documents to all three credit bureaus to correct their error however time has passed and still Experian refuses to correct the inaccurate information
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NC)

We thought everything was resolved with PNC, only PNC did not follow through or do anything they said they would do! They did not send us a copy of their previous resolution, ( that they posted to you ) did not send us a XXXX packet so we would have something in writing about when payments would begin again, etc. We signed documentation on XX/XX/XXXX, emailed it to them XXXX XXXX XXXX said they received it.She was leaving that day and said that was all she needed. I asked if they also needed it mailed. I was told no and that they would send us XXXX tracking info with everything we needed. We asked to have that response in writing. Nothing came. I begin calling the first of XXXX to find out about it after receiving multiple collection calls and foreclosure letters. We received nothing we were told they would send. XXXX ( different member of escalation team ) was extremely rude and would not allow me to ask questions to find out what was going on. Emails, nor calls were answered, nor returned. Friday ( XX/XX/XXXX ) we got a XXXX  packet of exactly the same thing they emailed to us in XXXX and then they said there was an error in it, so we needed to sign it again. Yet they could not tell me what the error was. It was word for word the same. The executive relations team told me the packet would have all needed info in it. It has no information in it except previous info. They claim they XXXX  it to the wrong zip code. Clearly, they never sent it. I never received a XXXX tracking number until I called asking about it. ( XX/XX/XXXX ) The XXXX  number they finally gave me last week was incorrect, with transposed numbers. The foreclosure letter said they were moving forward towards foreclosure since they did not receive the modification letter back in time. On XX/XX/XXXX, via info from yet another rep is that XXXX XXXX now claims he needs a hard copy of our signatures, after lying about the supposed error! It seems he will say anything to cover up for not doing what they said they would do. It is difficult for us send anything back when we never received it. They are outright lying. They have not followed the Cares Act guidelines! This loan has been a mess since PNC purchased it! We have asked for a mortgage audit and it has not been done. We believe we deserve to have 30 days to know what amount our payments will be and when they will be due! The government has bailed them out and then they dont bother to communicate with us until we file this report. There is NO FOLLOW THROUGH of what they told you they would do! It should not be this difficult! We did what we were asked to do! This began in XXXX with our calls to them and is an absurd amount of time for consumers to try to resolve something! We received no paperwork from them when we deferred this loan. We kept being put off until we contacted you in XXXX. As you can see, PNC has not followed through. They simply told you they would do something so it looked like they followed the guidelines.
Consumer complaint received 2022-01-24
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I settled my account with XXXX confirmation number I was given is : XXXX. I was told that my items on the report would be removed with the XXXX XXXX reporting. Instead I received an alert that XXXX reported a " high balance '' and my credit score dropped. I called both XXXX and the credit bureaus to correct this and both pointing a finger at each other saying there is nothing they can do.