davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I opened my Citibank secured credit card in XX/XX/XXXX. After 18 months, the card was supposed to go to unsecured and I would get my {$200.00} deposit back. I contacted Citibank in XX/XX/XXXX to make sure everything was on track to have the change happen, and get my deposit back, and i was told by the representative that it was. I have never been late on a payment, and the balance had been paid off in full since XX/XX/XXXX. The security deposit was supposed to be refunded on XX/XX/XXXX. I received a letter in the mail today that Citibank reviewed my history, and they are keeping my account secured for another 12 months, and holding my deposit. My credit score is good, and my track record with them specifically is excellent. They are playing games and going back on what they said initially. Upon contact, the representative was not helpful, and said there was nothing that could be done.The letter also threatens that if I close my account, the deposit will be be held another 3 weeks to pay against any balances or pending transactions. Again, there has been no balance or transactions made on this card since XX/XX/XXXX.
Consumer complaint received 2022-12-26
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. (NV)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the credit agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the account listed below as a consumer I'm demanding a deletion of this account. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already deleted these accounts.
Consumer complaint received 2020-07-31
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (OH)

XX/XX/20 - one phone call XX/XX/20 - one phone call and message XX/XX/20 - one phone call and message XX/XX/20 - two calls and messages XX/XX/20 - several calls. Answered once, told person NOT to call again. Hung up. She called 5 times in a matter of three minutes. Then called me again a half an hour later. The company has been calling my job several times over the past couple of weeks. They have been told before, about a year ago, to NOT call this number. They told me that they had removed the number from their records. Obviously they had not. 

When I called them after work today, I talked to one person who told me she had removed the number from my account. I was then transferred to a supervisor who then told me he saw the number and HE would remove the number from my account. It's apparent that they do not remove numbers from the accounts. I expect I will get a call from them again.
Consumer complaint received 2021-11-08
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/NELNET for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION (MD)

On XX/XX/XXXX, an Alliant Credit Union savings account was opened in my name which I did not open. I found out about the account being opened on XX/XX/XXXX when I saw some welcome emails & received a letter in the mail with a pin #. 
I called Alliant on XX/XX/XXXX and spoke to someone who could not tell me why an account had been opened in my name. She took information & said someone would call me within a day but I have not received a call back yet.
Consumer complaint received 2022-01-08
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. (PA)

My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-31
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. (IN)

I have made multiple attempts to obtain copies of the original loan documents from XXXX XXXX with no success. XXXX 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. XXXX is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.
Consumer complaint received 2020-07-31
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. (OH)

I have attempted to login to Equifax 's website multiple times for the past year. I have called, emailed, attempted to reset passwords but have never been able to access it. Equifax probably keeps me out on purpose to depress those on financial recovery or possibly due to racist reasons, since I'm a white woman ( yes, white people are discriminated against too ). Anyways, there is a fraudulent account posted on my Equifax credit report. The account shows on my credit report as " XXXX XXXX XXXX '', Date Opened " XX/XX/2020 '', and {$800.00} balance. There is no payment history listed, no comments, and the account type is blank. I did not open this account and have no knowledge of it. It appears to be a fraud or an attempt at theft/invalid collection.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I sent a letter to Experian on XX/XX/2020 regarding an inaccurate account on my credit report. They never replied. I sent a second letter on XX/XX/2020. Still no reply. It has been more than 60 days. They must fix or remove the account because it has been more than 60 days. Experian is in violation of 611 ( a ) of the fair credit reporting act. I sent my proof of identification with both letters so do not say its not me.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have filed my Identity thief report an my police report I have notified Experian of the inaccurate information still being reported on my file as of today XXXX XXXX Experian report number XXXX The Name XXXX XXXX XXXX appeared on my report I contact the mixed file department, the fraud department I have been transferred to three different reps whom English is not good. I want this removed from my report also the paid in full account in which I have informed them was not opened by me From XXXX  showing up on my report. I submitted the this account on my identity thief report They send me information stating they have investigated this matter an still have not updated my file. 

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Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at XXXX weeks gestation. It was here in the hospital, where I will remain for another XXXX weeks until the birth of my child, where I was notified by XXXX credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.
Consumer complaint received 2019-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Hi on XX/XX/2019, I purchased a used car through XXXX of XXXX in AZ and tried to buy GAP insurance since its finance thru USAA. I was told that per the Military Lending Act since I am a XXXX they cant sell it to me. I tried to buy one through USAA but they do not sell them anymore. This MLA is hurting the military service members unnecessarily. I told them this only applies to active duty not weekend warriors but they said it does. Is that true? XXXX XXXX XXXX wont sell the GAP. Thanks.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (AL)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp (GA)

I have a loan with Lending Club and have done business with them for years. I just purchased a home, and called to defer my payment to the XXXX of the month ( XXXX ) ; instead of the regular payment XX/XX/XXXX. XX/XX/XXXX, they took the payment out of my Account even though I set up the deferment. I called XX/XX/XXXX, the date the funds were taken out, and inquired why they took the funds out, and they indicated it was an error. The rep promised it would be put back in 2-4 business days, and to keep checking my account. Everyday since, I have checked my account and I have called for the funds to be returned and each rep give a different answer ; one stated it takes up to seven days. Today the rep stated it was just initiated today and it too should take up to 2- 4 more days. The fact, they keep being untruthful about returning the funds to my account is really perturbing. It has been a big inconvenience, because I set-up my business according to the arrangement I made with the Lending Club. I tried to speak with a supervisor, I am kept on hold for a very very long time - over 30 minutes, I finally hung up. There is no one to escalate issues to, as the corporate also provide the same number. I just wanted my money back into my account and for them to honor the agreement. This is truly a bad experience.
Consumer complaint received 2020-07-31
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. (AR)

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXX-the address they listed is a public college dormitory that belonged to XXXX XXXX University and was sold to XXXX  XXXX University at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (NE)

I have disputed several accounts ( XXXX XXXX  XXXX accounts, XXXX XXXX accounts, XXXX XXXX, XXXX Mortgage, XXXX Bank XXXX XXXX XXXX XXXX ) by phone and app once in XXXX, twice in XXXX, and once in XXXX by phone and online. Once again via letter in XXXX for inaccuracies in reporting, as well as not authorizing the reporting. I called today to demand they be deleted pursuant to 15 U.S.C. 1681b. ( a ) ( XXXX ), as I have never given written permission to display these accounts on my consumer report. I was hung up by XXXX different associates in the Fraud department while conveying my dispute. I recorded both phone calls.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST NATIONAL BANK OF OMAHA (WA)

FNBO ( First National Bank Of Omaha ) opened my bank ( checking ) account on XX/XX/XXXX and funded it with {$350.00} from XXXX XXXX ( an ACH withdrawal ). 

On XX/XX/XXXX, {$350.00} was withdrawn from my XXXX Bank account and transferred to FNBO. 

On XX/XX/XXXX, FNBO closed my account. 

The {$350.00} was never returned to XXXX XXXX  or sent to me via check. 

On XX/XX/XXXX, After several conversations with both FNBO and XXXX ( starting on XX/XX/XXXX ) to attempt to find out where the {$350.00} is, a conference call was initiated by XXXX with FNBO. 

During the conference call : - FNBO Manger, XXXX, states that the {$350.00} was returned to XXXX on XX/XX/XXXX. 
- XXXX Representative, XXXX, requests documentation from FNBO in order to track that transaction. 

On XX/XX/XXXX, FNBO Supervisor, XXXX, states that she will contact the correct departments, get the requested information and have it faxed to XXXX but that since it was late in the day that it probably wouldnt be faxed until XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX : Calls to XXXX made and they report that they have not received any faxes from FNBO. 

On XX/XX/XXXX : FNBO representative, XXXX, states that they faxed the requested information on XX/XX/XXXX. I requested that the information ( a letter/statement that FNBO closed my account on XX/XX/XXXX as well as a trace ID for the return of the funds ) be emailed or sent to me so that I could make sure that XXXX gets it. XXXX stated that, per documentation from a supervisor ( XXXX ), they would not be sharing any information or sending any of the documents to me. That XXXX XXXX would have to call them to request any more information.

**When asked for an ID number for this call, XXXX stated that there is no ID number.
Consumer complaint received 2021-12-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

HSBC has an illegal lien on this property, they charged off the note 10 years ago and sold the account. Since then the note has been sold several times. At this point due to the last co to own the note went bankrupt, and now no one has any information on it. I had the house sold but it fell though because hsbc would not release the illegal loan they they still hold My lawyer requested a release and they refused. Ct Statute say an illegal alien is when the party has now legal claim Which they do not I a XXXX veteran on a fixed income and can not afford a lawyer for This Please make them release the lean I get offers every day for this house but can not sell.
Consumer complaint received 2021-12-23
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. (NY)

I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the XXXXa please look into this matter
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three credit bureaus.