davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I tried to make a deposit on an ATM machine, and the machine stopped working without returning me the money neither depositing on the account. 
The machine just printed a receipt saying the ATM stopped working, I called Citibank to open a case and the told me I have to wait 5-10 business days to credit me the money on the account. It wasnt nu fault what happened and Ive been trying to call customer service to accelerate the process. Today I called and they said that they investigated and there wasnt any discrepancies on the ATM machines. So now I have to or lose my money or open a new case and wait 10 more business days. The amount was for {$700.00}. I feel frustrated and discriminated, my rights are been violatef
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report following a recent data breach. I am a victim of identity theft, and these accounts and inquiries were not initiated by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent entries be permanently removed from my credit report.

The following accounts are fraudulenXXXX 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 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to request the blocking and deletion of an unauthorized inquiry on my credit report. 
As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the removal of all fraudulent items.

Unauthorized Inquiry : XXXX XX/XX/year> XXXX
Consumer complaint received 2018-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (MD)

Sometime in XX/XX/XXXX, I received a notice from Pacific Union Financial , LLC asking me to provide proof of insurance coverage for the period between XX/XX/XXXX and XX/XX/XXXX. I was surprised by this notice because the premiums for the home owners insurance on my mortgage have always been paid out of my escrow. When I called the insurance company to find out what was going on, they told me that the premium had not been paid when it came up for renewal in XX/XX/XXXX. The insurance company says they sent the invoice to Pacific Union Financial but despite several attempts, they did not receive any payment and in the end they cancelled the policy. I asked them why they did not contact me and it turned out they sent a notice to a wrong address. As a result, I did not know that the policy had been cancelled due to non-payment until Pacific Union Financial sent me the notice inXX/XX/XXXX. After receiving the letter from Pacific Union Financial, I reinstated insurance with my provider and sent Pacific Union Financial a letter explaining what had happened. I did not receive an acknowledgement of my letter but soon after I sent my letter on XX/XX/XXXX, I received a notice in the mail from Pacific Union Financial stating that they were getting lender-placed insurance on my behalf for the period XX/XX/XXXX to XX/XX/XXXX. Having not heard anything from Pacific Union Financial, I figured the issue was resolved after I had sent the letter explaining the circumstances surrounding coverage lapse. However, in early XX/XX/XXXX, I received a notice from Pacific Union Financial stating that my escrow was in the negative and after further review, I discovered that Pacific Union Financial had charged {$1300.00} against my escrow account to pay for the lender-placed insurance.

I am filing a complaint against Pacific Union Financial for charging me the {$1300.00} for the lender insurance because : 1 ) it was their fault that they failed to pay the homeowners insurance when it was due and 2 ) they failed to notify me on time that the policy was not in place. By the time they notified me, it had been more than 10 months since the policy lapsed and it should not have taken them this long to let me know if they were acting in good faith ; 3 ) I sent them a letter explaining the circumstances which they ignored and went ahead and charged me the lender-placed insurance ; 4 ) when they notified me in XX/XX/XXXX, there was no way I would have been able to obtain an insurance policy retro-actively. 5 ) In XX/XX/XXXX, they claimed to have obtained a policy in my name for a period that had long passed. There can not be an insurance policy issued retro-actively and I find this action fraudulent.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 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
Consumer complaint received 2018-11-04
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: AMERICAN HONDA FINANCE CORP (MD)

I just received an alert showing a hard inquiry from American Honda that I do not recognize or have authorise. Please correct. Creditor Name : American Honda Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach, which led to unauthorized accounts and inquiries appearing on my credit report. In line with the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently removed from my report. 
Fraudulent Accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$900.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$570.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$710.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$710.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$570.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$4100.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$530.00} Fraudulent Credit Inquiries : XXXX. XXXX XXXX A - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX A - Date : XX/XX/XXXX XXXX. XXXX XXXX A - Date : XX/XX/XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX Account # XXXX ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX ( XXXX ) Account XXXX XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2018-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I received a bill from this law firm from XXXX on XX/XX/2018. There seems to be no legal remedies for addressing to them to stop and they have violated the Fair Debt Collection Act by adding illegal interests to the original debt of {$200.00}. 

There is no state or federal laws that require me to pay them and I haven't had a trial or signed any contract telling me I am subject to pay them anything. 



I have complained about this same issue before with cfpb. A lawfirm has been hired to collect a debt for the city of XXXX. I have sent a legal letter to them back in the Spring when I got fined for a red camera issue. 

They will likely try to sue me or threaten to contact the State to revoke my license for non payment and many states and the Department of Justice has proven this behavior of debts illegal and unconstitutional.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (SD)

XX/XX/20 was declined for a minimal amount of credit approval by Synchrony Bank. They listed several reasons all related to my wife of over 40 years. Synchrony has not disclosed the credit reporting agency used which would allow me the opportunity to request and review the report. 
Synchrony has also not fully answered my questions regarding the individual items listed for the rejection. 
To my knowledge, our credit has been exceptional for those XXXX years.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

This company Source Receivables Management is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Source Receivables Management. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Source Receivables Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2022-10-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL (DE)

My wife had 5 IRA 'S in Synchrony Bank that she closed and opened a new one with all 5 ira 's for a higher rate. The interest rate offered at that time was 3.81 %. When they funded the new IRA they failed to add 1 IRA account and left out XXXX dollars out of another account. Therefore when I checked my wife 's account she was short over XXXX dollars. The bank did not contact me so I called and spent several hours on the phone getting the situation rectified. They should have picked up on the mistake and contacted me. This took 3 days to get it resolved. During that time the interest rate on a 5 year cd went up 20 basis points from 3.81 % to 4.01 %. Because the account was not fully funded I asked for the higher rate due to their mistake. Synchrony Bank refused. Because the account was not fully funded when the rate changed on Friday I feel I am entitled to the higher rate. Synchrony bank says you get the rate when the account is funded not partially funded. I am requesting the higher rate.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

Attatched are the letter from the manager at XXXX XXXXXXXX and XXXXXXXX stating she would remove n delete the wrong info from debt from them to XXXX  equifax and XXXX. After i have already paid the XXXX $ as of today. attatched is the official letter from manager XXXX at XXXX XXXX and XXXX
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Paramount GR Holdings, LLC (NM)

I received a solicitation for a reverse mortgage, without my permission they did a credit check which I did not authorize. 

The company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX CA ran a credit check without my consent and stated I was applying for a loan which I was NOT!

This denial weakens my credit and was not authorized, I want this kind of action to stop as they prey upon senior citizens.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed from my credit reports as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (VA)

I wrote letter to Lexis Nexis XX/XX/2021 by certified mail regarding the alleged bankruptcy listed on my Lexis Nexis report. Lexis Nexis never responded to my letter but I know they received it because on XX/XX/XXXX and XXXX. Lexis Nexis completely ignored me. I also wrote a letter to the court and they sent me a letter stating that they do no give information to credit reporting agencies. So how is is possible for Lexis Nexis to fully verify the bankruptcy they are reporting if the court did not give them the information? There is no way they have verified this alleged bankruptcy but they are violating my rights by reporting this inaccurate information and providing it to other credit reporting agencies. I have attached the letter I received from the court, the letter I sent to Lexis Nexis and the certified mail receipt.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2021, I received the message that {$440.00} was charged to my apple card. I did not make the charge and I immediately contacted The Apple Card ( Goldman Sachs ) stating that this was not my charge. 
They placed the charge as disputed and after several months stated that they contacted the seller and they apparently proved a charge was made with my credit card. Therefore, they found in favor of the creditor. I stated again I did not make this charge and to provide proof that I made the purchase online and to verify where the item was shipped to. They refuse to take this item off.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WA)

I had been searching online for an engagement ring for months, and found a reputable company that had stellar reviews and seemed like the best option. So now that I made that decision, on which company to go to for an engagement ring ; now to choose the ring. 

I put together the setting, the diamond and then other options associated with the ring and it came to a total of about {$9800.00}. I obviously didn't want to let my soon to be fiance to see the purchase and so I wanted to put it on my credit card that had a limit of {$10000.00}. I had more than double that amount in my joint savings account ( that was with the same bank ) and about half of that in an account at another bank.. 

The transaction ( not surprisingly ) was blocked by fraud, so I contacted them to allow the transaction and get the process going for my ring. 

I got the run around, I spoke to about XXXX different " fraud specialists '' in XXXX different " fraud '' departments at US Bank. All telling me that I needed to speak with this OTHER department. Turns out, from one fraud specialist, that US Bank doesn't like people buying jewelry on their credit cards. So they closed my account, no questions, nothing. They just closed my account, I have worked for years at rebuilding my credit, and this was not a new account, and now they closed my account. AND I had over {$200.00} in cash back that I didn't cash out yet, that now they're keeping. 

And now they say that they can't reopen my account, that I would have to reapply. This is ridiculous, I understand that a bank can close an account at their own will, but there has to be some sort of protection on this. All because I tried to buy a piece of jewelry, and that is not in any of their customer agreements, not to mention that I had more than double that in a savings account at the same bank. This is going to hurt my credit, this was my largest credit card.