davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I saw a delinquency on my credit report. I went to XXXX credit bureaus that could not provide details. 
I found details through Experian. There is a delinquency from XXXX  for XXXX missed car loan payment through XXXX XXXX. I recalled speaking with the bank and explaining the reason was that I moved residences from XXXX XXXX XXXX because of employment. I didnt receive the bill and when I thought of it, I was XXXX passed. I spoke with the bank and made restitution as soon as I realized it. The loan was paid in full and account closed. 
The delinquency still appears on my credit report. 
I attempted to contact the bank prior to initiating the dispute but the number on the Experian website for XXXX XXXX  is out of service. I called a toll free number for XXXX but they could not help me without an account number of some sort. I no longer have the account number from XXXX. 
I initiated a dispute through Experian and also called them to explain the situation, and that the number they have for the bank is incorrect. 
They repeated call the bank.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (FL)

I applied for Avant credit card in XX/XX/2023 and was approved. I moved while waiting for card to be mailed. I obtained a po box address while I was awaiting my new physical residence. They refused to mail to the po box . I've submitted numerous times documentation showing my new physical address with update State Drivers license, rental insurance and lease as well as car insurance ALL showing this physical address. I've emailed, called and complained but nothing settled. It's been over 3 months and the account is open with a credit line but I have no card.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below 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
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Number : XXXX
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a moment to go through the documents provided. I am urging the bureau to launch an inquiry into these accounts, as I have never been late on them, yet they are reporting me inaccurately.
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

Today XX/XX/2023 I received an email from XXXX XXXX XXXX that my profile has been updated with derogatory changes. After review, my credit score reduced by more than XXXX points and an unknown collection account from SUNRISE CREDIT SERVICE with a balance of {$2400.00}. 

I contacted XXXX and initiated a dispute on this matter. Additionally, a police report has been recorded with XXXX AZ Police Department case XXXX XXXXXXXX.
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The CBE Group, Inc. (NJ)

I took out a student for XXXX college XXXX yrs ago they kept raising the tuition so I quit and went to a community college. I started receiving these bills from a collection agent CBE group stating that I owe {$11000.00}, I was at XXXX for maybe XXXX semesters. I tried to work out a payment plan with CBE Group to pay off the loan, they told me I have to pay {$150.00} per month, I told them that was too much I do n't make that kind of money. Upon my first payment they took {$150.00} plus an additional {$200.00} that I did n't authorized. Then they started calling my job all day every day ( I work in retail ) and my cell phone. Now they 're call asking for my XXXX. I refuse to give them my tax return, XXXX, paystubs and other private documents. I 'm on a payment plan with them and I 'm still receiving all these phone calls. Please I need them to stop calling my job and I do n't owe {$11000.00}.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

This Complaint is Being Filed Against XXXX credit reporting agency and JPMCB Card Services according to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The companies listed below are financial institutions by definition under that title. JPMCB Card Services. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The companies listed below ( JPMCB Card Services, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report as usual this morning and found unauthorized inquiries with no explanation. After refreshing my browser to rule out a glitch, the inquiries were still there. Im really upset about this and need the documents Ive provided to be checked thoroughly to ensure this issue is resolved immediately and wont happen again.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I signed up for US Bank checking account with {$400.00} bonus in XXXX I took a screenshot as the proof that I put the promo code when I opened the account, I finished the required direct deposit as the requirement for the sign up bonus. And I contacted them in XXXX to see why I haven't received the sign up bonus they said they will create a case but I never hear from them after receiving my bonus.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

in accordance with the fair credit reporting has violated my rights act 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 XXXX XXXX  15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions
Consumer complaint received 2015-07-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Remitly, Inc. (IL)

I was trying to send remittance ( amount of {$210.00} ) to my sister in the XXXX to pay for the tuition of my other siblings via REMITLY.COM of Remitly INC. I sent the money online on XXXX XXXX, 2015 and paid {$3.00} fee so the money will be received minutes after it was sent. Minutes after I sent the money, I received a message from REMITLY saying its taking some time for their partner bank to respond. So I called them up to check the status of my remittance and they told me the same thing that it is taking sometime for their partner bank to get back to them and they told me that maybe its because it is weekend ( I called Remitly on Saturday and Sunday ) in XXXX. So I waited till Monday but still nothing happened. So I called them up again to know what is going on but they told me the same excuse ( of their partner bank not responding ). I complained to them about why they are charging me a fee for a service they can not deliver. To appease me they told me they will waive the fee. But till now I have not received any reimbursement. The reimbursement of the fee does not really matter as much as to where my money went. They told me that their partner bank still has not gotten to them. I was getting frustrated because the money is already needed to pay for my sister 's tuition. I told them to just cancel the transaction and give m my money back so I can utilize other avenues to send the money. They told me they can not do that and that they will get back to me as soon as they hear from their partner bank. It is now Wednesday ( XXXX XXXX, 2015 ). It 's been 5 days since I sent the money and nothing is happening. I keep calling Remitly and all they answer me is their partner bank has not responded yet. I am writing this complaint because first I needed my money back because I need to send it to pay for my sister 's tuition ASAP ; 2nd the company charges for a service they can not provide ; 3rd Remitly continue to do nothing to resolve my issue. All I need is for the transaction to get cancelled and my money back to me if they can not carry out the service they are supposed to do. 

My name is XXXX XXXX ; phone : XXXX email : XXXXXXXXXXXX
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants, repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification, which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (VA)

I made a payment to my American Express credit card for processing on XX/XX/2023 in the amount of {$7000.00} to be debited from my Citi checking account. After a few days I noticed my balance still had not updated and I checked my American Express account as well. Payment still had not processed. I contacted Citi and they said they sent me a letter that my account was on a hold due to a change of address. I moved well over a month ago. Payments have been processing all month since my change of address. If there was an issue they should have called, emailed or texted me if there was suspected fraud or any hold on my account. I should be made aware directly asap. A letter that takes 7-10 business days is not acceptable. I still have not received this supposed letter as of today. So not sure this supposed letter exists. They finally released the hold on my Citi checking account after I called them. I then contacted Amex and they said the payment was denied/rejected by Citi. They said they would try to process the transaction again but it was denied again by Citi when I had plenty of funds to cover it. Because of this my payment was deemed late and I was charged {$190.00} in interest because of Citi mismanagement of my funds in my checking account. I have never been charged interest as I akways pay my statement balance in full. This is unacceptable. Citi needs to pay my interest fees since they are responsible.
Consumer complaint received 2015-05-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (LA)

on XXXX/XXXX/2015 I paid Transfinancial {$990.00} on behalf of XXXX XXXX in negotiation for {$1400.00} bills for {$980.00} {$320.00} {$100.00}
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fig Tech Inc. (TX)

Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This Complaint is Being Filed Against Equifax credit reporting agency and XXXX  XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The companies listed below are financial institutions by definition under that title. XXXX  XXXX XXXX. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The company listed below and the Consumer reporting agency Equifax do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to Equifax the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The companies listed below ( XXXX  XXXX XXXX, Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (MA)

I opened a venmo account and after 3 years of not being able to use it I was able to finally get it unfrozen. They always put me to the back of the bus when it comes to my service. I then proceeded to get a debit card so I can open a bank account since my mom used my ssn and ruined my credit with other banks. Prepaid banks are my only options left. I got my card and began adding money and purchasing running into issues with merchants with orders being late, wrong, or just flat out not delivered. Merchants like XXXX XXXX XXXX and XXXX have policies where they cant refund you more than 2 times so obviously if I order take out every week something is bound to go wrong. I used the dispute feature and now my account is deactivated with refunds still pending ; disputes still pending ; and my money is in there that I can't transfer even though their agent said I can. They're making me pay them for no reason. I had {$49.00} and I spent {$33.00} but was waiting on that {$33.00} refund but they overdrew my account saying I had to pay XXXX when it literally made no sense like I want to sue for deterioration of my mental health and starvation. They banned me on saturday when I was shopping in public and I havent eaten since
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.