davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (NY)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these acccounts ASAP.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

This morning, I discovered unauthorized inquiries on my credit report, and I'm completely baffled by how they appeared. I routinely check my credit report, but this time there were unexpected discrepancies. I tried refreshing the page, thinking it might be a browser error, but the unauthorized inquiries were still there. I'm very upset and ask that my documents be carefully reviewed to prevent this from happening in the future.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

At the end of XX/XX/year>, I went to try and co-sign on a student loan with my son. I was denied. My report stated serious delinquency, and with some research it was with XXXX. In XXXX XXXX XXXX I received a letter from XXXX stating that we had a balance of {$440.00} that had not been paid. I did not make these purchases nor had I received a statement show this balance. When we called to inquire about this, a lady by the name of XXXX, advised us to to a pay off of the amount of {$300.00}. This was with the understanding that this would put us in good standing with both XXXX and the Credit Bureaus. In fact, it did not do either and as stated above it harmed our credit. I also would like to note that I had been a customer for XXXX years with no issues of paying bills. When calling XXXX we were told to call the credit bureau because they would be able to take it off our report. When I called XXXX, equifax, and XXXX they said it was up to XXXX. I would like someone to take charge and do what is right.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As of XXXX of XXXX, I have become a victim of Identity Theft. I called and mailed in correspondence to Equifax for them to monitor my credit reports and update any information that wasn't mine. Recently someone broke into my car and stole my purse that contained all of my important information. Such as credit cards, my social security card, and my license. As of XX/XX/XXXX they have opened XXXX credit cards in my name. Going over the initial credit limit. Equifax has my credit statement and extended security freeze but still allowed for theives to access my credit. I have sent them my police report, my Identity Theft report and letter showing the accounts have been deemed not mine yet I see all XXXX accounts being reported. I would like them removed immediately as they are not mine. The accounts have gone to collection and they're being reported. This is wrong and I need it fixed. XXXX XXXX for XXXX accounts with XXXX XXXX. Both need to be removed as the XXXX XXXX XXXX  agreed to remove accounts due to Identity Theft. They legally can't have a collections showing for the accounts they've closed and reported not mine. Those accounts need to be removed. Also showing XXXX with balance XXXX which was also opened by a thief. I sent in all documents and it still being reported. It needs to be removed immediately.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year> XXXX XXXX Balance : {$7700.00}
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months I was reported late to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVERBANK XXXX, DISCOVERBANK XXXX
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (NC)

I opened an account with sofi bank. I wired my funds from XXXXXXXX XXXX  to sofi ( around {$2500.00} ). It was open about a month & I deposited a check it initially was cleared after a week. The check then came back, but I had the funds to cover the bad check. They then froze my account which was about 2 months ago saying I violated there policy. I asked them when they were going close my account and issue a check and mail me my remaining funds, they said they couldn't give me any information at this time. Everytime I call that's what they tell me. They still haven't closed my account & are now saying I will not receive my remaining funds when I am owed around {$900.00} & want give any more information. I have asked was there anything I can do to speed up process? One lady told me I could do a verify your id check. So I completed that & she said not to worry after that I would be receiving my funds. I have called twice since then speaking with someone in the fraud department everytime they are now saying this last time I will not be receiving any of my remaining funds. I asked why they couldn't give me a reason. But I don't owe any money to bank, I'm still owed around {$900.00} dollars & want my remaining funds.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

citizen One Home Loans incorrectly reported my XXXX mortage payment as late when they, in fact, had the payment and posted to a suspense account. They then reported my mortgage payment as 30 days past due to the credit bureaus. I have contacted them every workday since XX/XX/XXXX, when they had they payment and recognized they did, but they can't fix their system. It continues to show the mortgage as 30 days past due. 
From what this looks like it is a systems prblem as everyone I tak to at the bank says it is not late, bu they can't fix it they need to wait for the system to work through it. Meanwhile every other creditor we deal with is getting nervous and contacting us.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Purchased services online from website. Was duped into buying more expensive plan only to learn that it did not give me the services i really needed, told to upgrade a second time. Refused and requested refund. The website never provided these services as advertised. Refund requested multiple times. Management of website did not respond or refund. Many reviews on website stated similar activity. Contacted citibank for purchase protection. Favored other party even though services not provided.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I was scammed into sending partial of my closing cost to a fraudulent account through wire transfer. 
The amount was {$33000.00} Thankfully the receiving Bank was XXXX  and the froze the fraudulent account and held the money. 
My bank which is Truist claims that theyve been requesting the money back but chase bank is also claiming the they havent received a request from Truist. The frustration for me is there nothing I can do on XXXX  side because Im not a member at XXXX and I really cant trust their communication with XXXX on the line
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Summary : I have been unable to transfer my remaining funds ( approximately {$9000.00} ) from my Chase bank account to my personal account in XXXX, where I currently reside. Despite multiple attempts and interactions with Chase customer service, each wire transfer request has been cancelled, leaving me without access to my own money for living expenses. 


In XXXX, while pursuing a XXXX XXXX XXXX in the United States, I opened a Chase bank account. This account was used for tuition payments and daily expenses, including in-store grocery shopping and online purchases on Amazon. Upon graduating and leaving the U.S. in XXXX, the account balance was approximately {$9000.00}. 

Currently residing in XXXX and needing funds for living expenses, I attempted to transfer money from my Chase account to my personal bank account in XXXX. I initiated a wire transfer request through the Chase mobile app. The sequence of events is as follows : 1.First Attempt : 1.1Within 10 minutes, received an email canceling the transfer due to security review. 
1.2Immediately called Chase customer service .

1.3After identity verification, was advised to wait 30 minutes and resubmit the transfer.

2.Second Attempt : 2.1Resubmitted the transfer to my XXXX  account as instructed. 
2.2Received identical cancellation email within minutes.

2.3Called Chase again, receiving the same advice to resubmit after account notation.

3.Third Attempt : 3.1Submitted another request for transfer to my XXXX  account. 
3.2Received same cancellation email within 10 minutes.

3.3Account locked.

3.4Called Chase for the third time.

3.5After identity verification, account unlocked.

3.6Advised again to resubmit transfer request.

4.Fourth Attempt : 4.1App requested a phone call to Chase for a one-time verification code.

4.2Called Chase to obtain the code for the transfer to my XXXX account. 
4.3Unable to locate the transaction in the app during the call.

4.4Transferred to another representative.

4.5After identity verification, received the same response : account noted, await contact from the review team.

4.5Immediately after the call, received the same cancellation email.

Throughout this process, each customer service interaction resulted in identity verification, account notation, and instructions to resubmit the transfer request to my Irish account. Despite multiple assurances of resolution, the issue persists, preventing access to my personal funds and causing significant inconvenience. This ongoing situation has left me unable to transfer my own money from my Chase account to my personal account in XXXX for necessary living expenses.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I made XXXX final payments to pay my student loan in full on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$560.00} ). These payments have never been applied to the account, despite me making many phone calls, emails, and providing the detailed payment information from my bank. They continue to send me monthly notifications that my account is past due, and when I contact them, they indicate that they received the payment information and are " elevating '' the account. Yet, it is never resolved and no one ever calls me or emails me. To date, I have made the following attempts to resolve this : XX/XX/XXXX : I sent the first email indicating the payments that were made to pay the balance in full, providing the address and details of payment. 
XX/XX/XXXX : Ed Financial responded with instructions on how to submit payment details from my bank. 
XX/XX/XXXX : I emailed the requested payment details with tracking information from my bank. I asked the bank to contact them directly, but Ed Financial would not discuss without me on the phone. I received no response. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I called and asked for this issue to be elevated. They promised a call back. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I called. They confirmed they received the payment information, said they would elevate it, and promised a return call. I never received a return call. 
XX/XX/XXXX : I sent a follow up email. I received a response that they promised they would research and get back to me. I never heard from them. 
XX/XX/XXXX : I sent a follow up email. They responded saying they would elevate and promised to get back to me. I never heard from them.
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

We applied to XXXX XXXX and during the application process, they changed the rent price without any notification. Then when we got to the end and paid the admin fees, the confirmation page listed a much higher rent than we were quoted the same day. We went to the property to discuss and they were not willing to honor the original ( same day ) quote. They offered to refund us via mailed check, which we didnt really have a choice but to accept. A month later, we had not yet received the check, so we disputed the charge on the XXXX as the statement was closing. Then we received the check and cancelled the dispute, which has been repeatedly backed up by XXXXXXXX XXXX  partners ( property XXXX ) and Columbia Debt Recovery have been repeatedly harassing us to pay them the debt and speaking to us disrespectfully claiming that its our fault because we filed a chargeback. But the charge is still on our account, because we CANCELLED the chargeback! This was in XXXX. It is now almost XXXX. I want this to end!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (WI)

I bought my car XX/XX/XXXX about 8 months ago the 3rd party payment auto withdraw stopped coming out I was unaware until almost 90 days in I made some.payments and continued to go back and forth between my bank and the finance company about the payments not coming out. My bank said the 3rd party never attempted to take any.paynents, the finance company XXXX they would.investigate. I was exhausted and my payments fell behind. I have opened a new account and have been calling emailing and filing complaints directly with CONSUMER Portfolio. They would call blocked and leave vm and when I returned the call they never answered. I called XX/XX/XXXX through customer care and was transferred to a rep the rep said I need XXXX I told her I got paid today and that I would need to transfer I to the new account, after speaking woth management they refused my payment said I didn't have the money, which is not true. They said I could do cash and call back, I explained I work until XXXX XXXX  XXXX they are closed at XXXX XXXX  my time and they are only open M-F. I am willing to pay and have the money but I am being refused and talked down to. I have my vehicle and want to keep it. Please help.me.