davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Experian Information Solutions Inc. (TX)

Experian shows credit cards on its website to apply for. I applied for XXXX credit card and was approved. XXXX sent me a card, but I was unable to activate it. I called their customer service. They said there was a hold until I submitted documents to verify who I was. I submitted the documents. I called a few weeks later. They had never called me to tell me there was a problem with one of my documents. They claimed the address on the utility bill I submitted did not match the address they had on file for me, which is not true. They sent me a bill which had a XXXX XXXX yearly fee included. I called them and said it was not fair to bill me for a card I could not use. They were unable to help me resolve the situation with my utility bill. I closed the account.

Two other credit cards on the Experian website required upfront fees of {$95.00} as part of the application process. 

I believe all of the credit cards that Experian offers are scams. I feel I would have opened these accounts, spent the money on the yearly fee, and never had a card to use. 

Experian profits from these credit card applications. Shame on Experian. 

I did email Experian with my complaint but never heard back. I also put negative reviews on a survey Experian sent me. But I think the Experian " customer service '' survey is just a ruse to identify products to offer and profit from. 

Experian is just out to make money and does not card about its customers.
Consumer complaint received 2023-03-28
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I received this text today : XXXX XXXX  : Your ClTldebit is Temporarily Frozen due to unusual activity. Review recent activity XXXX XXXX XXXXXXXX to unlock or visit your local branch. 

I immediately called my bank using the number from my Citibank app and they said it wasnt them that sent the text and there wasnt anything wrong with my account.
Consumer complaint received 2023-03-28
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. (CA)

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 XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020, Paypal restricted my account and prevented funds from being transferred to another person to purchase an item. Initially Paypal indicated this was a random action and it only applied to the individual transaction. Then a day later I received an additional email stating that it applies to the entire account and conducting any other transaction could result in account closure. The account is in good standing. Based on the changing restrictions on the account, it appeared as if something was done illegally. I filled out the request to unlock my account. 

On XX/XX/2020, I reached out to customer support to see why it was restricted. I chatted with " XXXX '' who initially ignored my request for information. A second attempt to get the representative to READ was not met with success either. I asked what federal regulation was allegedly violated or paypal policy. At this point XXXX replied it was to keep me and paypal safe. Now I have received three different answers for why the account is restricted. I then requested an email copy of the chat transcript. I was told that ending the chat would give an option to email it. That was false.
Consumer complaint received 2019-02-07
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. (AZ)

Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (CA)

Failure to take action on the Identity Theft Block request. 


NOTIFICATION OF IDENTITY THEFT & REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT Dear Credit Bureau, This is to inform you that I am a victim of identity theft and pursuant to FCRA Section 605B, 615 ( f ) and 623 ( a ) ( 6 ), an  identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or address from appearing on a victims credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent company from continuing to collect debts that results from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) Block of information Resulting from Identity Theft, except as otherwise provided in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of- 1. Appropriate proof of identity of the consumer ; Legible copies of Drivers License, Social Security Card, and Utility Bill are provided 2. A copy of an Identity theft report ; Copy of the police Identity Theft incident Report is provided. 
3. The identification of such information by the consumer ; and A list of accounts opened by identity theft FTC identity Theft Affidavit and complaints are provided. 
4. A statement by the consumer that the information is not information relating to any transaction by the consumer. An identity Theft Victims Statement is provided. 

I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, address, inquires, and other information that you reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f )  and 623 ( a ) ( 6 ) and mail me a new credit report to my address of record below. 

Thank you
Consumer complaint received 2020-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WI)

Dates : about XXXX XXXX. 
Amounts : {$440.00} Actions : 1. On XX/XX/XXXX. I placed an order of {$790.00} on-line of Bestbuy with Bestbuy Citibank Credit Card. 
2. I returned some products in the order, the value {$440.00}, to the Bestbuy Store in XXXX, WI right after I received them. 
3. On XX/XX/XXXX, I got the credit card bill statement but I found {$440.00} is still on the bill. I paid off the bill which I kept the rest of the order, and I contacted CITIBANK and Bestbuy to communicate with the wrong bill. 
4. Citibank said it knew nothing about it. Bestbuy admited it had received the returning products but the refund was supending. I spent almost three hours in communicating with Citibank and Bestbuy. They didn't give me any solution. I was disconnected on the phone eventually. 
5. By the above experience, I realized it is really hard for me to get connection to them. So I have to wait for the next bill and I guess they will sovle the problem soon. 
6. In XXXX, I got a call from Citibank and I was told I had a bill past due. I realized it is still the problem from the refund because I have never used the Bestbuy Citibank Credit Card since the beginning of XXXX. I talked to the service and told her what had happened. She said she could see my complaint for them in XXXX. Then, the phone was interrupted again. 
7. In XXXX, I found in my credit report there is a " delinquent '' of {$61.00}. I knew it came from the event above. Then I called Citibank Credit Card service and also talked to Bestbuy customer service. I was told by Bestbuy : 1 ) Service center had contacted the store in XXXX and it was verified the products were returned in XXXX of XXXX ; 2 ) However, the store didn't refund money back to the on-line shopping department. To be honest, I was confused with what I was told. Then, the service representative told me she can suspend that transaction and I have to wait. By now, no one solves this problem. At the end of XXXX, I have to pay {$150.00} of the minimum for the credit card bill in order to get rid of my bad record. I want them to return money back and give me some compensation. Meanwhile, they can fix my credit score. 
8. I want to complain for what they have done and how they made my credit score into " delinquent ''.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berndt & Associates, P.C. (MI)

On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX  XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian should not be reporting a current balance of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. XXXX is reporting correctly. This is a violation of the Fair Debt Report Act. A credit report needs to reflect accurate information. This false reporting of repossession with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to update this however, I have not been successful.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Dear XXXX XXXX, Good day!! 

I'm sorry the banks took a hit because of XXXX XXXX Bank 's management failed to maintain a proper balance of loans versus depositors. This is an isolated case. I would expect Wells Fargo, a company founded in XXXX, to be more responsible and return my {$8300.00} of retirement money to a XXXX XXXX  citizen. I need to pay RENT and survival expenses here in XXXX. 

I called and left you several messages. I write e-mails. I have updated the attorney general, US Treasury Dept, CFPB, Social Security Admin, etc..All inquiries are ignored. 

XXXX, you wrote you would return my money by XX/XX/2023. It has passed XX/XX/2023 to simply return my money from the Wells Fargo holding account to my savings account. It has now been 45 days since I was alerted to fraud by XXXX in XXXX. I have provided all contracts and details. 

I have opened an account here in XXXX XXXX, especially for wire transfers. 
XXXX XXXX XXXX XXXX XXXX. 

I opened an account at XXXX XXXX  with XXXX XXXX XXXX and the Executive Director. 

They are glad to help!!! 

Wells Fargo has been deterring my account withdrawals and closure for 1.5 years. 

This is an opportunity to send {$8300.00} ( currently help in your Wells Fargo holding accounts ) plus XXXX already in savings + brokerage account {$1600.00}. 

See attachment. Totaling {$10000.00} in current and liquid assets.
Consumer complaint received 2019-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have a loan that is being serviced by Ditech Mortgage, loan # XXXX. I've been trying to resolve an issue I found since XX/XX/2018 to no avail. A reallocation occurred in my account where {$9000.00} was debited from my principal, {$3200.00} from interest and {$2900.00} from escrow. I do not see any reason why this occurred. I need an explanation of this reallocation that I do not agree with. I always pay additional towards my principal to pay down my loan. I've been given the roundabout to no understanding of what they did. Please kindly assist me in this situation. I have my home under contract for sale and need to resolve so I am paid in full all the money I have put into my account.
Consumer complaint received 2020-06-22
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. (FL)

On XX/XX/XXXX I filed a complaint with Experian credit in regards to an account listed on my report with XXXX XXXX XXXX. 
The account # 1 shows as an installment loan. Of which it was not but a car loan. 
# 2 it shows charged off and has multiple late pays that are continuously reported each month on my credit report. 
The loan associated with this account was paid in full in the year XXXX by the insurance company since the vehicle was involved in a comprehensive claim due to hurricane damage. 
The company is falsely reporting the loan as a charge off. It is incorrectly reporting a balance due. And causes my credit report and score to decrease each month by reporting a past due amount on a closed account. 
Experian reported that the dispute had been handled on XX/XX/XXXX and that the company verified the reporting information and therefore no action was taken. How can I have this matter resolved if the credit bureau does not properly investigate the inaccuracies?
Consumer complaint received 2020-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from Capital One from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and Equifax, and XX/XX/XXXX with XXXX, XXXX  and XXXX. Capital One kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I have a VISA credit card with PenFed -- https : //www.penfed.org/ On XX/XX/2020, I added an authorized user to my PenFed VISA credit card account. The authorized user was added, and PenFed promptly reported the authorized user 's account on his credit report. 

However, PenFed refuses to provide the authorized user with online access to the account. The authorized user is unable to track his use of the credit card, verify purchases, payments received, etc. 

On XX/XX/2020 I contacted PenFed at their customer service number, and requested that the authorized user be granted online access to the VISA credit card account. PenFed refused, claiming that they are not required to provide him with any type of access. 

I believe that PenFed 's refusal runs afoul of the laws and regulations currently in effect, and that PenFed MUST provide the authorized user with online access to the VISA account, for the purpose of online account management. 

Please note : PenFed does NOT provide paper statements for the VISA account. As such, it is impossible for this authorized user to obtain any account information about this account.
Consumer complaint received 2020-06-22
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. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.