davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MA)

On XX/XX/2021 I purchased what I thought to be a gift card at XXXX pharmacy in XXXX, MA. I paid {$2.00} for the card and gave the cashier {$100.00} to put on the card. The cashier informed that the {$100.00} would not be accessible to anyone until the account was activated. 

XXXX transaction # XXXX ; cshr # XXXX ; STR # XXXX NETSPEND XXXX EACH XXXX XXXX CONVENC FEE Once I realized it wasnt actually a gift but instead was a bank debit account, I tried to return the card to XXXX. I was informed that gift cards are not refundable under any circumstances. 

I then tried to contact the company, Visa, directly. There are two phone numbers and a website address to contact with any questions. I was unable to reach a real person to speak with about the card. Both phone numbers provided on the card packaging would not transfer me to anyone without entering my social security number. I choose not to provide my ssn. 

This is a time sensitive issue as the debit account will start to penalize me {$5.00} per month if the card is not used. I purchased the card in error at XXXX, as it was situated with many other gift cards by he check out line. I think a fair resolution would be for the company to cancel the card without penalty fees and to reimburse me the {$100.00} purchase price.
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CT)

I made a money transfer from through my Citibank in the amount of {$10000.00} which was to be applied to my father 's mortgage with XXXX XXXX XXXX via XXXX XXXX XXXX. While doing the transaction online I didn't know what account number should be listed as the " Beneficiary Account '' number so I called Citibank and they told me my stepfathers loan number should be listed. The transaction was done on XX/XX/XXXX. In XX/XX/XXXX I went to pay the mortgage and realized XXXX didn't receive the money for the mortgage. Since then I've been trying to get Citibank to modify the transfer with the correct " Beneficiary Account '' number with no success. I've tried to have them recall/cancel the transaction with no success. I've called and spoke to managers and the last manager told me they've been sending federal wire messages to XXXX XXXX and they are not responding. I had my lawyer send Citibank as well as XXXX XXXX letters and still nothing. The last time I spoke with a manager at Citibank they told me if XXXX XXXX does not return the money then we will not get the money back. This is really unacceptable. My stepfather is on the verge of losing his house to foreclosure because of this and neither Citibank nor XXXX XXXX or XXXX will do anything to help. XXXX told me they can not do anything because the issue is on Citibank not on their side. XXXX XXXX told me they can't speak to me because I don't have an account with them. I need to get this money back sooner than later to save my stepfathers house. Any help would be greatly appreciated. I can be contacted at XXXX for additional details. Thanks!
Consumer complaint received 2024-10-05
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. (AZ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, AZ XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX   XXXX Balance : {$6500.00} XXXX  XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year> I deposited my payroll check into my check account via mobile deposit. To deposit the check bank of america required that I sign the back of the check stating for deposit to bank of america only for me to proceed with the mobile deposit. After the fact and after I submitted the mobile deposit is when it tells me that none of the funds would be available to me and that a hold would be placed on the entire amount until XX/XX/year>. Bank of america should inform customers exactly how many days the check will be held in advance so that customers can make an informed decision regarding whether they want to deposit their checks with bank of america or not. Requiring me to write deposit for bank of america only before actually submitting the mobile deposit prevents me from taking my check elsewhere to be cashed. Also I received an email shortly after depositing the check that stated We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned which is a false statement. I have never cashed or deposited a fraudulent or returned check with bank of america or any other place of business. Also the check is a payroll check from my employer which is a legitimate company. I spoke with a bank of america customer service agent which was of no help and just stated yes we placed a hold to verify the check.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (WA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
RESIDENT VERIFY - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account : Bankruptcy XXXX  XXXX, as per Report ID : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2021-06-10
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: EQUIFAX, INC. (CA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

I got a hard inquiry from Wells Fargo on XX/XX/year> for a credit card and I didn't ask for this. I got in touch with XXXX and let them know.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

On XX/XX/2019 we deposited ( via ATM ) two checks, each in the amount of {$15000.00}, for a total of {$30000.00}. 

This is typically more than our normal deposits, but we deposit around {$7000.00} or more each month, so it was not extremely out of the ordinary. 

We have had accounts with US Bank for more than 5 years, and have never overdrawn any of our 6 checking or savings accounts. 

A few days later, both checks showed as " posted '', but neither were included in our available balance. My husband called the bank and they explained there was a hold on the checks and that the funds would be available on XX/XX/2019. 

Today is XX/XX/2019 and the funds are still not available. Upon doing some additional research, I learned more about Reg CC ( a regulation I was already somewhat familiar with from my schooling ). 

It is my understanding that within 1 business day {$200.00} should have been made available, and within 3 business days another {$4800.00} should have been made available, and within 7 ( today ), the rest should have been made available. As previously mentioned, we have never overdrawn, nor are we new customers.

To date, 7 business days after the deposit, no amount of the funds have been made available and upon a call to the bank, they stated it is a " processing '' issue and were unable to provide any further explanation or information and said the funds should be available tomorrow.
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-05
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. (DE)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc. ()

Vanilla visa charges {$2.00} per month after 7 months for a maintenance fee. I had a {$100.00} gift card for my XXXX birthday in XX/XX/2018 which now has only {$50.00}.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage breached their contract with me by failing to auto-draft my monthly payment. As of result of Carrington Mortgage 's failure, they sent me a threatening letter entitled " Notice of Intent to Foreclose ''. I have never been late on my mortgage payments with Carrington Mortgage, and I currently have a XXXX FICO score. In fact, I have made multiple additional principal payments to this mortgage account this year. 

Please see attached documentation showing the threatening foreclosure letter from Carrington Mortgage dated XX/XX/2018 as a well as a screenshot of my XXXX FICO score as provided by XXXX XXXX bank. When I called Carrington Mortgage, the representative advised me that the credit reporting agencies would reflect this negative credit item, despite it being Carrington Mortgage 's fault.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, ( Your Name )
Consumer complaint received 2024-10-04
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (NJ)

I recevie a letter in the mail that was written on XXXX from a debt collector name, XXXX, XXXX XXXX XXXX, XXXX ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

Complaint Details : Account Number : XXXX ( I.C. System, XXXX  ) Date of Issue : XX/XX/year> Credit Reporting Agency : XXXX Company Involved : I.C. System, XXXX Summary of the Complaint : I am submitting this formal complaint against XXXX and I.C. System regarding the improper reporting of a Spectrum account on my credit report, account number XXXX. I believe the reporting is inaccurate and does not comply with federal laws, particularly : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide a clear and conspicuous validation notice. I have not received proper notice concerning this debt from I.C. System, nor has the information been validated accurately. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The law mandates debt collectors to disclose consumer rights clearly. I have not been informed properly about my rights to dispute this debt or request further validation. 3. 12 CFR 1006.34 ( d ) : Under this regulation, the
debt collector must provide specific information regarding the debt in the validation notice, including the name of the creditor and the details of the debt. I did not receive sufficient or accurate details about the alleged Spectrum account debt.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Credit furnishers, such as I.C. System, are required to notify consumers when negative information is placed on a credit report. I was not notified of this derogatory entry in my credit report by the debt collector.

Desired Resolution : I request the removal of the inaccurate account from my XXXX credit report. Additionally, I ask that I.C. System and XXXX provide a full investigation and proper validation of the debt under the applicable federal laws. If they fail to comply, I expect the account to be permanently removed from my credit file and for XXXX to correct this mistake.
Consumer complaint received 2018-12-31
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$64.00}, {$380.00} & {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... No contracts existaccounts were settled with original creditor, insurance provider has confirmed, and ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..