davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2023-03-08
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of ( 2 ) information items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2017-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX  XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I attempted to close my escrow account with the company this Summer.  They informed me that I had to wait for 1 year after closing to close my escrow account. I had made all of my mortgage payments to date on time and in full and owned more than 20 % of my home. That was not a term or condition in my deed of trust or any other document in my closing package. My loan was not originated by Wells Fargo when my loan was sold to Wells Fargo, they company you enforced a policy that they did n't inform me of and that I did n't agree to. That seems like a deceptive business practice to me. Wells Fargo kept my money only so they could collect the interest on my escrow account. I feel that this practice can cause harm to consumers. In my particular situation I had to wait until XXXX to close my account and now their internal process will take a number of weeks to issue my escrow refund. At this point I will likely need to take money out of pocket to pay my property taxes as the refund will not be issued. Wells Fargo forced me to comply with a policy that was n't documented or agreed to in my loan contract. I contacted the bank a number of times to seek correction but to no avail. As a result I had to remember to call them on the anniversary of my loan origination to request my money to be returned to me. In my opinion, this should be added to the list of the many things that Wells Fargo is doing that are not in the best interests of their consumers. Yet another deceptive practice used by them to build revenue off their consumers without their consent.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (NC)

CBA collection burea is illegally reporting on my credit reports a fraudulent account that they know is fraudulent. This company since XXXX of XXXX  has been reporting that I owe some mysterious company {$840.00}. They have absolutely refused to provide ANY thing to verify this account. A copy of a fraudulent bill is NOT evidence of legitimate account.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NM)

Problem with Citibank , N.A . 
In XX/XX/2019 I opened three savings accounts via an online application from their solicitation advertising an interest rate of 2.33 %. 

I funded the accounts using the Citibank process for account to account transfers from my credit union account in XXXX, NM by following the instructions from Citibank. The transfer of funds went well. 
On my first bank statement I received in XX/XX/XXXX I noticed Citibank was withholding for federal taxes with the information on my statement saying, " Federal Withholding Tax Uncertified ''. 

I called Citibank inXX/XX/2019 and inquired about the withholding and was informed I need to submit a W-9 and they directed me to the IRS website to obtain the form. I asked how I could submit the form and was told to fax it in. I followed the directions and submitted the form via the fax number they provided. 

XXXX weeks later, I called Citibank and asked if the form was received. I was told by the Citibank representative the forms could not be faxed in and had to be mailed! I followed these contradictory instructions and mailed in the form to the address I was provided in early XX/XX/2019. I was told to wait three weeks for processing. 

On XX/XX/XXXX I called Citibank, and after a long wait on hold time, and after explaining the problem ( again ) I was transferred to their servicing department. The message was the department was closed and I should leave a message and they would respond the next business day. I left detailed information about my name, SSN, account numbers and the reason for my call. I left a daytime phone number and repeated the number, including area code three different times for clarity. No one ever called me back or took care of the issue of my interest being withheld. 

In early XXXX I received my bank statement and noticed interest was still being withheld for taxes, telling me they have not processed either of the forms I submitted. On XX/XX/XXXX I called Citibank and spoke with a representative and told them my story ( again ) and was told I need to talk with a supervisor. They placed me on hold and forgot about me. After 45 minutes of long suffering, I hung up the phone. 

On XX/XX/XXXX I called Citibank again and after entering all the information about my account on the phone and waiting through the phone menus, the message came on they are too busy to talk to me and told me to call back in two hours then they hung up on me. 

On XX/XX/XXXX, I looked online and all three of my accounts are having interest withheld even through I submitted W-9 two different times according to their instructions.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (MO)

This company CHOICE RECOVERY which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2023-03-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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 an account without my written instructions.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I was charged three overdraft fees because the bank stacked my transactions. This resulted in three transactions I made on Monday, XX/XX/XXXX being posted after a larger transaction I made on Tuesday, XX/XX/XXXX. Because the bank moved these transactions, that were posted before the Tuesday transaction, to appear to have posted after the larger Tuesday transaction I was charged 3 unnecessary {$35.00} overdraft fees. Today, when I asked for a refund, the bank told me I could get a courtesy refund of 75 %, but I am not asking for a courtesy. Just that the bank gives me back what was wrongfully taken from me.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Neon Newco Corporation (TN)

On XX/XX/2021 my card was hacked. My lender is netspend/XXXX. I attempted to make numerous dispute regarding my money being taken out of my checking account. They canceled my first card on XXXX the XXXX and sent a new one. That same day, we filled the first dispute. They took over XXXX of my money on international purchases not authorized by me. I made 3 disputes regarding the online purchases and they wouldn't give me my money back. The told me I would receive one payment on XX/XX/XXXX. The next payment was XX/XX/XXXX. My last payment with all my money was suppose to come today XX/XX/XXXX. I called to check if I received anything and I did not. I asked them about it and it was never filled. Now I'm filling this complaint in order to get the help I need. If you can follow up with me please contact me at XXXX or email me at XXXX XXXX
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MA)

First this company called my father in another state, and when they were told to stop harassing him they then called my cell phone. They are calling for somebody else, another name, yet are bothering and harassing us. Apparently they XXXX names and their XXXX agents go fishing.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of ( XX/XX/XXXX ), deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond within 35 days of my letter. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 10 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and removed immediately, following failure to verify, deleted from my credit report as soon as possible : 1. Other information I would like changed, XXXX XXXX XXXX, Account Number : XXXX, please remove immediately. 

XXXX. Validate Account : XXXX, Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXXVALIDATE ACCOUNT : XXXX ACCOUNT NUMBER : XXXX, PLEASE REMOVE IMMEDIATELY XXXX. VALIDATE ACCOUNT : XXXX XXXX XXXX XXXX  : ACCOUNT NUMBER XXXX, PLEASE INVESTIGATE & REMOVE ASAP XXXX. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE & DELETE ASAP XXXX. VALIDATE ACCOUNT : XXXX XXXX. ACCOUNT XXXX : XXXX. PLEASE INVESTIGATE & DELETE ASAP 7.VALIDATE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. PLEASE INVESTIGATE, & DELETE ASAP 8. VALIDATE ACCOUNT : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX SS # XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Long story short Prestige has deliberately falsify information to my account by not crediting payments and adding fees to my account. These are predator lending tactics by increasing the balance of the loan. Example balance was XXXX one month the next month its XXXX The duration of loan was 60 months beginning on XXXX XXXX2013.
there has been a total of 48 payments paid including 2 lump sum payments and attorney fees. Also they never reduced the interest rate as stated in the contract after the first year ... .Prestige is reporting inaccurate balances and misleading information on balance and payoff. I DO NOT OWE XXXX on this loan.
This is disputed by myself and the Bankruptcy Court.
Prestige are steady harassing me about my loan with unwanted phone calls about my loan is 27 days late, and threats .The loan is current and ahead, if they would apply the payments correctly. Prestige needs and give me credits for lump sum payments that were never applied to the principle balances ...
Prestige has very bad history of scamming consumers. Consumer reviews are the worst ever ... This needs to stop!!!
Consumer complaint received 2021-03-25
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. (AZ)

I sent information to Equifax for dispute of inaccurate information that Equifax is reporting on my credit profile on XX/XX/21 and it has yet to be resolved. The results still remain as " under investigation '' The conformation for this dispute is XXXX. Thank you.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I dated Mr. XXXX for approx. 1 year before I called it quits because of the XXXX. He was so XXXX. I gave him permission to use my XXXX XXXX XXXX XXXX for gas only. He's the only one with access to my card number and someone has drained my XXXXXXXX XXXX account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that Mr. XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX XXXX I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my EQUIFAX account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my sucky credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and Mr. XXXX to defraud me and thieve my identity. Please contact me anytime for further information.