davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXXXXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$650.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
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: FIRST CITIZENS BANCSHARES, INC. (CA)

On or about XX/XX/23 at XXXX am, I was notified by XXXX that CIT Bank made an attempt to access my XXXX credit report. The attempt failed because I keep my XXXX credit report frozen. 

I attempted to contact CIT Bank and they state they never made any attempt to pull my credit report. They suggested I contact 1st Citizens Bank. I contacted 1st Citizens Bank and they also stated they never attempted to pull my XXXX credit report. 

Either CIT Bank and / or 1st Citizens Bank are lying. XXXX told me that there is no doubt whatsoever that an inquiry from CIT Bank was attempted. 

Since I never applied for credit from either CIT Bank or 1st Citizens Bank and I never gave them permission to pull my credit report, they acted illegally and attempted to access my credit report without permissible purpose, in violation of the FCRA. The fact that they lie and claim never to have attempted to access my credit file makes it even worse.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank Claims Operations completely failed to assist me in recovering funds for three transactions totaling over {$1100.00} for goods not received. I have been trying to get the resolution since XX/XX/2019. I have been bounced around for many weeks and I am still without the goods and money. On numerous accusations, I have been told that they do not offer protection for the debit card with the MasterCard logo used to pay for goods in cases when goods are not received. They offer zero consumer protection.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XXXX XXXX/XXXX  as well as XXXX XXXX, and Select Portfolio Servicing, have not been forth coming with THEIR SIDE of the financials. Meaning for over 12 years my money was DISAPPEARING from my account. I made a complaint 10 years ago requesting this information through H.O.M.E, with no documents. I was advised to do a Chapter XXXX, I did and 2.5 years into the  Banckruptcy the lender LIED to my lawyer and my lawyer let them process a " stay '' not sure of the legal term, but it removed them from the bankruptcy. I have ALL DOCUMENTS and CAN PROVE, LENDER FRAUD, WIRE FRAUD, BANKRUPTCY FRAUD, and ESCROW FRAUD.I was not able to get the Lenders financials until I wrote up to the White House last XX/XX/2018. All of my money is gone. These financials ARE Correct as they show every month the banking charges but not my payments and I have every one THE ORIGINALS. I was told by S.P.S. that they were not able to get the financials as when XXXX. sold the note that only like years were sent. I find that very interesting because that is around the time I had stopped paying XXXX. When I could not qualify for the H.A.M.P. program I was told by the Lender that the Note Holder did not pertisapate. At, this point XXXX  gave me an in-house modification called CHAMP. This is another rip-off as they added XXXX changing my Original Note from XXXX to XXXX. They closed their account on the Credit reporting agency XXXX  as CLOSED-DEED IN LIEU OF ... I NEVER SIGNED ANYTHING!!! I took photos of the Notification I got from XXXX because of course they have lied on their last response back to you. Everything that they are saying are lies and I can PROVE EVERYTHING. Please Please help me, I am XXXX XXXX and I do not want to go through another year of this horrible treatment. Thank you, lets go get these guys once and for all.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: USCB, Inc. (CA)

USCB America has added a collection account to all three of my Credit Reports when the the debt is not mine. The original account belongs to XXXX XXXX and I am still a member. The last payment that I made to XXXX I have attached and it is a total of {$1000.00}, which brought my account to {$0.00} with XXXX. This Collection agency is reporting an incorrect amount that I do not owe.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

On XX/XX/2023 I opened account with Citibank through Citibanks website. I have a credit card through Citibank since last 15+years and opened a savings account based on their request while I was paying my credit card bill. I transferred {$10000.00} from my Bank XXXX XXXX checking account to my Citibank savings account on XX/XX/2023. I made second transfer of {$5000.00} from my Bank XXXX XXXX checking account to Citibank savings account on XX/XX/2023. Both the transfers were successful. However, Citibank closed my account on XXXX XXXX without any reason. They stopped my access on immediate basis. When I tried reaching out to Citibank, they said that I will receive my funds of {$15000.00} via check within 90 days. However, when I did not receive my money within 90 days, I called them again and they said that I will receive my funds in first week of XXXX. On XXXX XXXX, when I called them again, they are asking me to reach out to Bank XXXX XXXX for the funds. Bank XXXX XXXX is saying that they can not do anything since the funds have already been withdrawn by Citibank. This is a huge amount and I am going through lot of agony and pain. Please help me resolve this issue. 
I have provided Bank XXXX XXXX XX/XX/2023 statement ( showing successful transfers ), Citibank debit card letter, Citibank debit card copy, Citibank welcome email, Citibank first funds transfer email, Citibank second funds transfer email, Citibank ATM card email, Citibank Paperless confirmation email and Citibank Account linking email as attachment.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Mo XXXX ] Employer : XXXX Phone Number : ( XXXX ) XXXX Social Security Number:XXXX
Consumer complaint received 2023-07-02
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: CB1, Inc. (MT)

This account with CBB Collections is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of XXXX XXXX XXXX XXXX XXXX. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next 4 1/2 years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to CBB Collections who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and CBB Collections with your company. The second, fraudulent account with XXXX XXXX XXXX  ended up getting deleted from my credit report with XXXX but the account from CBB Collections stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with CBB Collections and XXXX. The account with CBB Collections should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.
Consumer complaint received 2023-06-30
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-14
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: AMERICAN EXPRESS COMPANY (NJ)

Today I tried to resolve and issue regarding a offer under the Amex blue card. At 1st they denied the claim due to not selecting the offer. No help, just you are denied and no reason other then telling me that the offer was never dated. I selected the offer saved the offer in the app. I had to request a supervisor and eventually the supervisor advised that outlet stores are not included in this deal. The small print of the outlet store is not clearly identified and is miss leading in the disclaimer. This should be clearly identified and its not. I purchased the items at the XXXX XXXX  XXXX   with the intent that I would receive this discount via the Amex blue card. I would have never purchased if the card wasnt going to reduce the bill by XXXX.
Consumer complaint received 2023-07-03
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

XXXX XXXX AT XXXX REACHED OUT OT US NOTE BELOW EMAIL INTERATION Re : XXXX Fri, XX/XX/2019 XXXX XXXX   XXXX ( XXXX ) To : you ( Bcc ) + 3 more Details XXXX i called again and left message for you again today -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; MORTGAGEASSISTANCE XXXX Sent XXXX Thu, XX/XX/2019 XXXX XXXX Subject : Re : XXXX XXXX PLEASE ADDRESS WHO IS HANDLING THIS ACCOUNT??? / WHOS WHOEVER HANDLING HAS ADEQUATLEY REVIEWED ACCOUNT HAS IN DEPTH KNOWLEDGE AND EXPERTISE TO HANDLE. 
ALSO ADDRESS IN WRITING WRITTEN XXXX REQUESTS, CONCERNS IN WRITING AND REQUESTS FOR INFORMATION NOT INCLUDING BUT LIMITED COMPLAINTS AND SUCH WARRENS -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/2019 XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. 

Thank you XXXX XXXX Loss Mitigation Associate Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Office Hours : XXXX XXXX to XXXX XXXX ( PST ) M F Direct Line : ( XXXX ) XXXX XXXX WE HAVE TRIED TO CALL AND LEFT MESSAGES 4 TIMES SINCE HER EMAIL NO RETURN CALL.THEY ARE TRYING TO MAKE BORROWER LOOK NON COMPLIANT AND HASTEN FORECLOSURE
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX courts XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my XXXX XXXX to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from XXXX XXXX as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 2023-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

XXXX employee called me on XX/XX/XXXX said, the package I shipped from CA has been head off by XXXX customs, because theres 5 passport and 7 credit card in it. And he told me if I did not shipped this package I need to call the police office in XXXX to report this issue. Then he transfer the call to what they say XXXX police office. And the man who answer the call, asked my ID number. then They said one of my bank accounts in XXXX had been used by others for fraud. And they said this is a confidential case, so I must not tell that to anyone I know even my family. Otherwise they will be in danger. And they asked me to do safety check ( send them my location and environment photo 5 times a day ) and also they monitored me through XXXX XXXX  24hrs everyday ) Because they said I involved in a confidential crime, if I want to continue my study the best way to do this is bail pending trail, so if they approved this I need to provide bail money that is around XXXX dollars. And I transferred the money to bank account. The account name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-30
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. As far as I am aware, neither Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX have no permissible purpose to access my consumer report