davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NV)

This is relating to a business account- XXXX, XXXX XXXX, and XXXX XXXX which was incorporated in XXXX under XXXX XXXX XXXX. The relevant account is a checking account ending in XXXX. 

On XXXX I discovered several declined payment emails from vendors. I logged into my account and realized I had no access to the checking account which had a balance of circa {$80000.00}. I immediately contacted the bank and I was informed that the account had been closed and no information could be provided. It was suggested to me that I contact a branch office. I quickly attended the branch closest to me, and again I was told that they could not give me information as there was no XXXX or supervisor at the branch. They were all in meetings. I was given a number to call and on that call, the representative I spoke to, advised that no information could be provided as to the reason behind the account closure, and that the bank could close my account without reason and this was based on a US Bank policy. They had decided to sever the relationship with my company. She added that a check for the balance on my account had been overnighted to me. I was confused and had no further information as to why the bank had unilaterally decided to server the relationship with a business account serving multiple employees. To date, I have received no further information, I have no access to my bank statements, and Im unable to reconcile my accounts. I had selected the paperless option and as, this was unexpected and no notice was provided to me regarding the closure of the account, I was unable to download my statements prior to account closure. This is now XXXX of my very crucial concerns. Overall, I demand more information as to the reason for the account closure, I would appreciate all of your help. 
Thank you. 
Sincerely XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (CA)

I rented a home for 2 years and left the home in great condition with no problems. After renewing the lease for a XXXX year i ran into financial hardships and was evicted from the property. At the time I owed for 1 month of rent plus the new month, rent was {$1600.00} so at the most i owed {$3200.00} plus court fees. This company not only kept my security deposit which is understandable but they also put a {$33000.00} debt on my credit report. I called them as asked what is this and they could not explain why I owed these funds. Over the next few weeks I noticed the amount changed to {$19000.00} then to {$23000.00} and this is all confusing to me and my consumer report is reflecting these lies.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capitalone credit card was opened XXXX and it was closed by them on XXXX since than I have requested to remove for my credit report cause frauds charges and fees and so they keep it open until XXXX this year or last year by saying it was still opened and the last payment was made on XX/XX/XXXX and I was out of the country since XXXX to XX/XX/XXXXXXXX XXXX stuck during the covid 19 and everytime I ask credit report to dispute it they don't want to it's be close over 7 years
Consumer complaint received 2024-10-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX A XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report XXXX My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX. CAR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I've filed a credit freeze with all three major US credit bureaus ( Equifax, XXXX, XXXX  ) I've received a PIN to unfreeze my credit from each of them.

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider.

XXXX  worked mostly fine.

Equifax and XXXX  both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 

These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public. 

As an aside, the Equifax breach settlement was a joke. 

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (GA)

Great lakes needs to put me on repayment and accurately report the amount I owe to the credit bureaus. I am being harrased by great lakes. There is also XXXX XXXX with case number XXXX and his number is XXXX.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (ID)

Paid off vehicle loan XX/XX/2022. 
Ally Bank said they would release the title to the Idaho transportation dept as that is where I live. 
I thought everything was fine I went to the DMV when they said it was released on XX/XX/XXXX. 
I received a email stating it was released so I went to the dmv. 
They were able to pull up my title it was an electronic title but ALLY is still in 1st lien holder position. 
I call almost every single day, First I spoke with customer service, And explain the situation they talk over me saying that it's released it's released it's released it's released it's released. But it isn't. Finally was able to get ahold of the electronic title department and they say it's an IT problem, but the state of Idaho tells me that it is a simple Box to check on the bank 's end that says Idaho can print and release the title to me.. I have called 24 hours worth of being on the phone with 3 different departments and countless people explaining it over and over again and they never do anything. I have 5 emails that say the title has been released and I explained that it hasn't but they don't listen to me. I finally posted on Ally Bankl XXXX page and somebody said, " oh my gosh we'll get somebody in touch with you '' Friday XX/XX/XXXX at XXXX PM at a woman named XXXX called from Corporate, she said it would be handled there. She was unwilling to give me her last name. She told me that XXXX would be the one that would be handling my account and doing the research. She gave me an her number to call for her direct line told me to call her on Monday I called 3 times on Monday 3 times on Tuesday and XXXX XXXX day Wednesday she has never answered her phone nor called us back. I do not know anything more that I could do. I am at a loss!
Consumer complaint received 2023-07-21
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: CLGF Holdco 1, LLC (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (NJ)

My informaon was sold and bought Illegally because I was a vicm of the Equifax data breach. I want these items Deleted from my credit reports XXXX immediately. I am aaching proof that Equifax has admied that I Was in fact a vicm of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-07-20
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. (NY)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I disputed with Experian on XX/XX/XXXX. To this date, I have not received any response from Experian regarding the following account : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} The reported information suggests that this account was late, which is entirely inaccurate. I can provide substantial evidence to demonstrate that this account was consistently paid on time. Therefore, I kindly request Experian to correct this erroneous information on my credit report immediately.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MI)

I sent two {$500.00} amounts on ~ XX/XX/XXXX and ~ XX/XX/XXXX to my savings account with Citi. However, I had not realized that I could not access the account after XXXX. The issue, they say, is that I need either a paper statement or a Citi ATM card to access my account. Previously I could just use the Android app or the web site, but I could no longer access either without the ATM card. This seemed to occur after I closed my credit card, which apparently gave me access, even though it was not the ATM card associated with my savings account. However, I never received my ATM card, and paper statements are not mailed to me ( I receive lots of spam from Citi, however ). I learned all this from the XXXX XXXX, XXXX XXXX, representatives who I was forced to deal with once I no longer had the credit card. When I had the credit card, I had full access to both accounts. There are no Citi offices in my state. 

I sent a certified letter to the address I was given on XXXX. This letter has not been delivered, but has been sitting in a XXXX XXXX mail hub for at least 14 days. Citi apparently does not allow certified mail to be delivered. Frankly, only crooks act this way. The postcard attached to the letter was put back into the mail, but it was not signed. 

Today ( XX/XX/XXXX ), I sent the same letter, with a new date and Postscript, via regular mail to that same address. 

I am staggered that this could possible occur. I could not imagine doing business with this company in the future.
Consumer complaint received 2023-07-21
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. (NY)

XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( XXXX rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX  XXXX XXXX # XXXX. XXXX  XXXX : XXXX. XXXX  XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : EQUIFAX, XXXX AND XXXX XXXX My health is not good these three company stop my live got me really depressed.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name XXXX XXXX .... 

I never had an account with XXXX, I don't owe this debt. The lawsuit says I owed a company called Citibank, I never had an account with Citibank either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I had purchased a visa gift card from XXXX store ( grocery store ). the card is issued by XXXX and distributed and serviced by Incomm Financial services. 

I purchased a vanilla visa gift card from XXXX on XX/XX/2022. On opening the gift card, I found that it has been tampered with and the magnetic stripe was not working. I called Incomm at phone # XXXX XXXX and reported this issue. 

They opened an internal case # XXXX. They initially told me that a replacement card will be sent to me in 7-10 business days. 

I have also emailed them the documents they asked for on XX/XX/2022. I sent the same docs on XX/XX/2022 as well. 

I had called Incomm multiple times since XX/XX/2022 and every time they tell me that their internal team needs to review the case and a replacement card will be sent. In spite of multiple follow-ups, they still haven't send me a replacement card. Please help me.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MA)

I'm seeking to have my funds within the next week this company Wells Fargo I can never reach to contact for the amount of XXXX $ XX/XX/2022 they are restricting my account but can't release my funds when I am in need
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

Hyundai / HMFUSA.COM had an error on my XXXX XXXX XXXX lease. They Had put that I missed 2 payment 's Which is incorrect it's on autopay. I provided them with the copy of the monthly autopay from there financial website. 
Even then after providing them with the information they had my car towed. Costing me to pay {$1.00} for Hyundai comes to find out it was not for late payments it was for excise tax in the state of Massachusetts and I haven't received any notice on the mail. Notice I have two Vehicles lease with them never had any problem the second car is a XXXX XXXX XXXX. 
After the issue I ended up also having to pay for the tow that was {$350.00}. So {$350.00} for tow {$1500.00} for Reinstatement fees according to them and the excise, which I haven't received any notice in the mail or haven't got taken out of the autopay that they have with my bank account. So my vehicle got repossessed for not making payments is not correct. It was not sent to me the excise tax for some reason and they also marked my credit report for 2 missed payment 's on my lease payment 's Which is incorrect. They claimed they can't fix the error.
Consumer complaint received 2024-10-07
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. (MN)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/2022 I went to Citizens Bank, XXXX XXXX XXXX, XXXX, MI XXXX, to withdraw my Social Security check which was direct deposited on XX/XX/2022. This was the first time my Social Security check was direct deposited in Citizens because before that, I had it direct deposited in my XXXX XXXX 

When I asked to withdraw the money the teller told me that there were three checks written out, one for {$500.00}, one for {$400.00} and one for {$1000.00}. I told her that I do not have any checks with Citizens so I had to report it to one of the banking people at the desk. Her name is XXXX XXXX XXXX, XXXX. I got back my {$500.00} within two weeks because she said it the same person who was on the other two checks, XXXX XXXX, tried to cash it at a Citizens bank so they said it was fraud. I was told that the first check for {$500.00} was a paper check, but it doesnt show on my checking account statement what number it was or that I can view it. 

I was calling the online people at the bank and the fraud department practically every other week. One person said it would take 6-8 weeks to process. Another person said dont worry since it was the same person on the {$500.00} check you should get your money back on the other two checks. 

One week ago, I got a hold of a bank supervisor with the fraud department and she said that she is going to put a rush on it since I have been waiting so long, 7 weeks, and gave me a new claim number : XXXX. She also said that it got directed to the wrong department at first and the online department should have handled this since it was a computer generated check. ( Someone also said he paid bills with these checks. I dont know how they know this. ) I got a call yesterday, XX/XX/2022, and after 8 weeks she said the online fraud department said they feel it wasnt a fraud and I am not going to get my money back. She also said I can re-file and tell them to check it over again.