davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

XX/XX/XXXX, I submitted a dispute to the credit bureaus, also a letter to the company, IC SYSTEM, about the three collections accounts it is reporting on my credit file. {$640.00}, {$240.00}, and {$240.00}. Instead of deleting these items which are reporting that I did not have an account or agreement to pay IC SYSTEM, they continue to report it. My report now says " affected by natural disaster. '' But I never said that, what I said was that reporting it is a violation of HIPPA laws. The original creditor listed as " XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MIDWEST BANCORP, INC. (IL)

On XX/XX/2021 it was discovered that 3 fraudulent charges were made to my debit card. I went to First Midwest Bank immediately after noticing them and got a new debit card. I was told they would review the 3 charges and return my money. On XX/XX/XXXX I was mailed a letter saying that one of the charges will not be returned for a total of {$77.00}. When I called customer service they said their is no appeal nothing I can do but call the company that the charge was made and fight with them. The company is XXXXXXXX XXXX XXXX. They can not give me any information because I do not know what phone number the charges were applied to. First Midwest will do nothing to assist in these charges or let me appeal.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (NY)

I was robbed of my personal belongings and personal info back on XX/XX/2020 which included information to my PayPal mobile app which allowed the robbers to change all information to my mobile app and gmail XXXX preventing me to recover it. 
The robbers also unauthorized transaction that was disputed and credited back to this account. 
I have have spoken to the message center at PayPal on many occasions due to the fact that PayPal want allow consumers to speak to a live rep on the phone and tried to get the remaining funds transferred to my new account I signed up for with the my new email account XXXX but PayPal refuses to give me back my money.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (WA)

Robocall before XXXX. XXXX from Discover called we have been trying to reach you to lower your interest rate. We dont have a Discover card. 
Call from XXXX. ID after call said XXXX XXXX. 
Multiple calls from XXXX. 
All our numbers are registered with the do not call list.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have sent over several Identity theft affidavit. 
Since 2016. I mail out letters to XXXX and Equifax credit bureaus they only sent me back investigation letter stating Verified. The accounts is XXXX credit line, XXXX installment account, and XXXX installment on my personal incident report. Company 's XXXX and Equifax still have those fraud accounts pending on my report. I also sent in a letter explaining my right as a consumer under Title 15 USC 168.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Late XXXX I tried to shop around and find a bank thatll do a credit card balance transfer from XXXX. I ended up speaking with someone at citizens bank XXXX XXXX XXXX, MI ). The representatives there reassured me they can do the transfer. I was approved XXXX XXXX and got an email confirmation that I was approved. I then called the credit card company like I was told to ( upon receiving my card in the mail ) to ask for a balance transfer. I read off my Michigan schools and government credit union card number and was told citizens bank isnt associated with XXXX therefore cant do the balance transfer. I then called back to the citizens bank to ask what to do. I was told They had no idea and to call the credit card number back and ask for a cash advance check. I called the credit card number again and was told they stopped doing this a few months back ( quote on quote ). I called back to the bank and they claimed they had no idea of this change and was told they will see what they can do. 2 days went by, no call from the bank. Finally I called back today, XX/XX/2020 to check on the status of this issue : they claimed they got an email with a link XX/XX/XXXX regarding this new change ( no longer offering check advances ) and that It was a link 3 pages down that apparently no one at that branch read. They admitted its their fault but that doesnt solve my issue. So now, im stuck with a XXXX credit card I cant close due to It impacting my credit. Nor do I need it. It was pure negligence and malpractice of this branch not staying up to date on changes. None of the time line matches up to what I was told from the credit card company XXXX what the branch representatives told me either regarding this change. Essentially I was told a manager / supervisor from credit union ( XXXX mile ) would call me back and no one ever did. ( I was told this XX/XX/XXXX And no manager called me, and when I reached out XX/XX/XXXX, a bank rep essentially owned up to their mistake and told me theres nothing she can do ). I need this credit card removed / closed without It impacting my credit, as this is that branches fault it was open in the beginning. I am extremely disappointed at their lack of knowledge and how they handled this situation. I made It clear multiple times Im transferring balance from XXXX, so if someone were to check recorded conversations with citizens bank and their credit card line you would hear this. I need this resolved and at the very least they should be held responsible for their mistake and negligence.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I

previously reported this company for putting unverified collection accounts on my credit file. This company attached two letters that I never received because I never lived at with either address on those letters. This company failed to send me any letters to my correct address and has listed and reported this unverified Information on my credit which has caused serve damage to my credit file. This is against the FCA they are required to send letters to the consumer and verify that all the information is correct. Which they have failed to do so I will attach these letters that they provided in a previous response and this is clearly not any address associated with me. Which clearly means that someone has used my information to obtain credit. This information needs to be deleted until they can verify the correct owner of these accounts.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS LAST XX/XX/2021. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

3 accounts with XXXX  ( 1 with balance {$82000.00}, 1 with balance {$34000.00}, 1 with balance {$86000.00} ) were included in bankruptcy & discharged. I opened disputes for the 3 accounts in  XX/XX/2020 because they were showing charge off status and balances on my credit report when they shouldn't be. On XXXX the {$86000.00} account & the {$34000.00} account disputes were finally resolved in my favor after months of going back and forth with correspondence and the accounts were updated to included in bankruptcy status with no balances. On XXXX the {$82000.00} account dispute was resolved in my favor and the account was updated to included in bankruptcy status with no balance. By XXXX the {$86000.00} account that had already been fixed was showing a balance and collection status again, so I opened another dispute for that account. The second {$86000.00} account dispute was resolved in my favor on XXXX and the account was again updated to included in bankruptcy with no balance. On XXXX when I checked my credit report, all 3 of these accounts were accurately reporting that they were included in bankruptcy, but today they are again all 3 showing balances and collection status. For the last 3 months, Experian has updated these 3 accounts to correct them multiple times only to have the creditor update them right back. This is a predatory lender who has a class action lawsuit against them for illegal collection practices and violating bankruptcy law. I would like to  know how you can prevent this from recurring every month because it seems to me that allowing this to continue month after month is irresponsible and you have a responsibility to have processes in place to ensure accurate reporting. I have notified you multiple times, you have investigated multiple times and updated my file multiple times, and continued to allow this to recur multiple times. I have attached all of the previous dispute resolutions.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Aside from the fact that Capital One consistently closing Complaints raises a huge red flag for the company, the company 's verbiage in the Terms and Conditions misrepresent situations meant for the cardholder. At no point is there any clause that says the amount of days that Capital One WILL hold a payment. Various representatives on the phone with the company have also claimed that " We do not know if your payment will be held. '' That's extremely alarming. What makes it even more alarming is how Capital One has yet to diffuse the situation with the privacy breach that occurred back in XX/XX/2019. I can't help but think that perhaps if Capital One spent quality time on improving their systems by getting the right people to help develop and enhance them, perhaps hackers wouldn't be able to break into their systems. I'm concerned that Capital One doesn't care about my information being breached and continuously closes complaints evading any responsibility. I've joined a class action lawsuit from a lawfirm who is currently pursuing criminal charges for the company as a result of this misconduct. I'm also calling for the termination of the employee ( s ) who keeps closing these complaints without doing any proper investigation due to laziness and neglect.
Consumer complaint received 2021-02-25
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MN)

I was attempting to sell a couch online and was scammed. The " Buyer '' sent me a fraudulent check. On XX/XX/XXXX ; I called the Bank the check was from ( XXXXXXXX XXXX  ) to ask if it was safe to deposit it, They told me ; because it was a company check : it was safe. 

A few days later, I called Ally Bank and asked if it was safe to remove funds from the account once the check had cleared ; they said yes. 

When the check cleared ; I called Ally Bank again just to make absolutely sure it was alright to remove money from the account, and again they said it was safe, so I did. 

The Scammer had me make two separate XXXX payments of XXXX XXXX dollars for " Movers ''. This did make me skeptical of the buyer, but the bank told me it was safe, so I went along with it. 

On XX/XX/XXXX, the check bounced. 

When I found out ; I managed to cancel one of the XXXX payment, but not the other. Ally bank preceded to act in a very hostile way with the next two calls I placed. 

There was very little transparency and I was getting contradictory information through emails. 

They closed my account despite the fact I made sure to ask them every step of the way to make sure I had been doing everything right.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (FL)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Multiple times Ive made mobile deposits. Just recently I made a mobile deposit on XX/XX/2023 In the amount of {$3400.00} they gave me {$400.00} of it saying the rest of the funds would be available on XX/XX/2023. On XX/XX/2023 they sent me an email saying the whole check was out on hold until XX/XX/2023. They took back the money in my account causing me to be over-drafted. Even though I have been banking with them for over a year, depositing multiple big check deposits they decided to put it on hold.
Consumer complaint received 2021-02-25
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. (NJ)

I started this process back in XXXX of XXXX when I noticed my accounts were being flagged with bankruptcies. I pulled a credit report and found a bankruptcy on my report. I disputed the bankruptcy with Experian. They came back XX/XX/XXXX and said it was verified by a third party vendor named XXXX but that if I believed they were incorrect then I needed to reach out to XXXX. I disputed with XXXX back in XX/XX/XXXX and also requested for the description of procedure used to verify the bankruptcy. XXXX came back and reported that they could not verify the bankruptcy. They mailed me out the confirmation letters dated XX/XX/XXXX, proving that they would delete the bankruptcy information from their consumer report. So I then disputed the bankruptcy again using certified mail on XX/XX/XXXX with Experian. XX/XX/XXXX Experian sent me an email stating that it was verified and kept it on my credit report. When I found out about the verification I followed up with Experian via phone on XX/XX/XXXX at XXXX about the bankruptcy dispute. The first agent told me that the bankruptcy was verified but they could not tell me who verified it. Then I got transferred to a supervisor who stated that they couldnt give out the information but that the courts verified the bankruptcy and all they had was a phone number. I told the supervisor that I had received a letter from the courthouse 's clerks office stating that they don't give out any information to third parties and that they are unaware how third parties receive their information. So I ended the phone call by telling the supervisor that they would be receiving another certified letter, requesting a description of procedures and verification used. I sent a description of procedures letter in the first week of XXXX and just recently as of XX/XX/XXXX, Experian stated that the information was verified but never stated who verified, never gave any addresses, names or phone numbers. So I called them XX/XX/XXXX to try to understand why, and why I haven't received the description of the of the procedure used to investigate, who they talked to. They told me they aren't required to give that information out. I mailed all my disputes and letters certified mail. I also reached out to the courthouse because one of there agents told me that the courthouse gave them the information. The courthouse responds to me via mail, stating they don't give information to third parties. I sent the courthouse and XXXX letters to the Experian as evidence especially since I have a copy of dispute results from XX/XX/XXXX stating that they used XXXX to obtain the information.
Consumer complaint received 2021-02-25
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: Affiliated Management Services (KS)

On XXXX XXXX, 2021, AFFILIATED MANAGEMEN add a derogatory mark on my credit reports. AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (IN)

As of XX/XX/2022 Equifax has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company XXXX XXXX. 

I am aware that Equifax is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. XXXX XXXX is disclosing my non public personal information to the Credit Reporting Agencies XXXX XXXX Equifax Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX XXXX, Equifax, or XXXX. 

I am aware that Equifax, XXXX and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

In XX/XX/XXXX I purchased a vehicle with financing through Credit Acceptance Corporation, but the only way they would finance is if I also purchased a warranty for almost as much as the car. Made payments on time for over a year, then the engine overheated and it blew. Warranty refused to pay. Gave the car back in XX/XX/XXXX. 
* As of XX/XX/XXXX, account listed as CLOSED : written off/collection. 
* Then on XX/XX/XXXX, account changes to OPEN : past due 180 days, no payment since XXXX Credit score drops 100 pts. 
*On XXXX XXXX, account says OPEN : Affected by natural or declared disaster. 
Score rises 83 pts. 
* On XX/XX/XXXX, account say OPEN : Remark removed. Down 100 pts again,. 
I've disputed 3 times with no results. This is malicious, confusing and frankly, childish. 
I am retaining an attorney if this continues.