davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
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)

On XX/XX/XXXX, I attempted to temporarily remove the freeze on my Equifax credit report online, but was unable to do so. I then called Equifax 's automated security freeze number, went through the security verification process and was still unable to temporarily remove the security freeze on my account. Next, I called the customer services number, ( XXXX ) XXXX, specified on Equifax 's website to request they temporarily remove the security freeze from my report. The agent asked for my full name and social security number and my full current address. I told him I have my unlock PIN, which he informed Equifax no longer uses to freeze/unfreeze reports. So, instead, he asked me various questions which " only I would know '' pertaining to my credit report. 

The agent asked me to list off all credit/department store cards I have ever had, as listed on my report and estimated balances of those accounts as they would appear on my report. Fortunately, I was/am able to access my Equifax credit report through XXXX, so was able to provide the agent with all of the cards and balances as they appear on my report. He then asked me to provide him with the dates and amounts of last payments made to my credit cards, which I read off to him from my XXXX Bank Online Banking platform. Finally, he asked if I had ever disputed the information on my credit report and when. I stated I believed I had disputed a " late payment '' as reported by Bank XXXX XXXX, but was unsure of the date, as it was some time ago. 

The agent then processed the information I provided and informed he was unable to verify my account. I am consistently able to lock and unlock my reports with both XXXX and XXXX with ease, however always run into trouble with Equifax. Usually, I am able to process my request with Equifax by calling into their automated security freeze telephone system, however this time none of the three methods attempted worked. 

Equifax was responsible for my information being leaked during their 2017 Data Breach. As a result, I have spent countless hours ensuring my financial information was secure and have been victim to thousands of dollars worth of attempted fraudulent transactions on my bank/credit card accounts. Given this, the fact that they are unable to verify my credit report details as belonging to me is extremely disturbing -- unacceptable, really. 

Having reasonable and easy access to one 's credit report is vital in order to successfully apply for credit. Instead, Equifax is making me send them a copy of my Drivers License and Social Security Card via fax ( NOT SECURE ) for them to verify my identity and unfreeze my account. 

A company so incompetent should not be allowed to continue to exist and regulate the financial reporting of millions of Americans.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MA)

I wanted to submit an application for XXXX 's Credit Card using the link XXXX XXXX XXXX and when I saw the terms and conditions at https : //apply.syf.com/cs/groups/public/documents/et_tcdoc/e048003.pdf, I could not find the 'Annual Fee ' amount listed anywhere. 

I sent XXXX an email on XX/XX/XXXX with the content as " Annual Fee clause is missing in the Rates and Fees table and the Terms and Conditions page too. Please add the same ''. 

I got a reply as " The XXXX Credit Card is administered by Synchrony Bank. '' I felt the service was very subpar and unsatisfactory. Kindly intervene and have them include the Annual Fee rates in the terms and conditions please.
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (NC)

I can not recall the exact date, but approximately 2 weeks ago I and my wife started receiving calls every day ( including weekends ) about a debt my wife owes. The company claiming to be ProCollect will call me first, before calling my wife ( who allegedly owes ). They will give us a number to call back, and one day my wife decided to call them and try to figure out what this debt is. Once the company had been contacted they were extremely rude, unwilling to cooperate and said that we can not set up a payment plan for the debt. They also said they will only accept using our banking information or overnight a check/money order. Then once we said we MIGHT use the overnight method they went back on their word and said [ ... ] thats not how our system works. And after that my wife continued for a short period and then we said we will contact them at a later point. After that point they continue to repeatedly call us.
Consumer complaint received 2019-11-29
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: CITIBANK, N.A. (MA)

I filled out an application for Macy 's Credit Card Macy 's sent me a letter back stating unable to approve application at this time. 
Reason was, no credit records returned from major reporting agencies. 
What would be the reason for not sending the Credit Report to Macy 's
Consumer complaint received 2021-06-28
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. (TX)

not mine Fair Credit Report act violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

This particular balance transfer was placed on XX/XX/XXXX from my HSBC account for {$4000.00} towards my XXXX XXXX credit card balance. This balance transfer has yet to be applied to my XXXX XXXX account balance according to my XXXX and XXXX statements, however the funds are represented on my HSBC statement since early XXXX.
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

My pay period changed I knew my payment was coming due on XX/XX/XXXX So I called cashnetusa to change the draft payment to XX/XX/XXXX so I wouldn't go negative they confirmed this was okay however they drafted my account again which was unathorized in the same week..I understand my payments are made in 2 week intervals they drafted my account TWICE this week now I am negative in my account and can not pay my rent due on XXXX. Cashnetusa was unreachable on XX/XX/XXXX which is unheard of for businesses to be closed on XXXX Friday this is the shadiest business practice and I may have to close my back account and open a completely new account to avoid being robbed by this company.
Consumer complaint received 2019-11-29
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2019 Ive received an email Stating there was a change to my credit file and go online to XXXX XXXX there I noticed my credit score dropped XXXX points and they left a negative remark on my file that I have no knowledge of. Ive been pay on time and even lowered my balance.
Consumer complaint received 2019-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Had an account with Citibank opened over twenty years ago. The account was opened at Citibank, XXXX XXXX  XXXX XXXX XXXX, FL XXXX. Need to verify what happened to account. I believe account number was XXXX. Contacted Citibank customer service. Associate tried to look up account number by account number, name and SSN. Associate was unable to assist. On XX/XX/2019 I went to Citibank branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Spoke to XXXX XXXX. He put me in touch, via phone, with Citibank customer service. Spoke with associate then with supervisor. Neither was able to locate account by account number, name or SSN. I have verified with Florida Unclaimed Property. They have no record of account. I did have account with Citibank. I need to know what happened to account. Citibank should be able to locate it by account number, my name or my social security number.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I requested the following : Please reimburse me for the damages casued on my frozen/blocked account inthe amount of {$360.00} for check no. XXXX and XXXX that were not honored by the bank when presented to the bank by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collector. I personally visited the Citi Bank in XXXX Ca on XX/XX/year> and requested to know if I could write checks on this account. The account had a fraud issue on account occurred by internal affairs of the bank approximately a year earlier. The XXXX XXXX XXXX assured me that my account was ok and it was ok to write check on tihs account. I presented XXXX XXXX with my physical check and asked her to verify this because the fraud issue occur about a year prior. XXXX XXXX indicated that it was find to write checks on account and I had funds readily available in the account. The checks were utitimately returned unpaid by the bank. The checks were for my property taxes. As a result, I had to pay a XXXX XXXX late payment penalty and {$50.00} for each bounce check to the tax collector. The total paid out resulting for this error was {$3000.00} plus {$0.00} for parking. My original payment for both checks was {$2600.00}. The late fee was {$260.00} and bounced check fees were {$100.00} and parking totaled {$0.00}. All losses total {$360.00}. See attached receipts. I requested reimbursement and the bank has refused to correspond in writing and only had the branch manager phone call me to saythat their manager is not allowing a response. I have not been reimbursed.
Consumer complaint received 2019-11-29
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: VALLEY NATIONAL BANCORP (NY)

Some one used my credit report to damaged my credit history I belive is my ex -husband keeps used my credit to damage my home refinancing cousing me problem we the bank not able to presided we the matter that was causing the bank to take the home off wait from me.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX I owed under 400 dollars my limit is XXXX dollars. I have always paid my balance in full until XXXX XXXX XXXX committed fraud charging my card over XXXX dollars which the auto insurance paid them then my XXXX XXXX account had some fraud activity which the account was closed So 2 payments had to be rejected Capital one knew the problem and charged those payments after I told them to stop the payments They are making me pay money for something I didn't owe They are cheating me and I want this corrected
Consumer complaint received 2019-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (CA)

Around the beginning of XXXX, 2019 I noticed a collection account was added to my credit report. I never received a letter of any debt owed from this company or from the original creditor for that matter of any debt owed, prior to this collection being placed on my report. 
To my understanding they should have sent a letter giving me 30 days to dispute this, or pay it, if it belonged to me. I have no knowledge of this belonging to me. 

On XX/XX/XXXX, I sent this company an email asking them to remove this from my credit report, I never received a response from them. 

Email from me is attached.
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC (CA)

My name is XXXX XXXX. Dob:XX/XX/XXXX, Last four of SSN : XXXX. I am writing to report that a lawsuit has been filed for BMW 's violations of California Credit Reporting Act. They have not responded back or even notify that they are aware of the process. 

If BMW want 's this lawsuit dismissed, the late payment needs to be removed from my credit report on the account # XXXX. 

Attached is the suit copy.
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a debt owed to XXXX XXXX of about {$8400.00} and separate debt another of over XXXX. The XXXX dollar debt was paid off in XXXX and was for a truck loan. This payment was not authorized, and I was not even so much as given a receipt. They are responsible in this case because they lost the title to my truck XXXX they still dont know what happened XXXX and then because I wasnt able to retitle it in a different state they raised my APR by a crazy amount. This is all after I had refinanced the truck with them. They closed the account without talking to me and on my credit report says they settled for less than the full amount which adversely affects my credit score. The XXXX was the remaining credit card debt to be paid. I never talked to anybody about being able to set up payments and before I could talk to anybody about making arrangements the money was taken out of my account without authorization. Obviously they said the bank has authorization after I signed for the card and that they can do basically whatever they want. Every time I call for answers I am bullied around by the collections workers and treated very unfairly, and have even been hung up on when they couldnt get answers. If I had paid off a larger debt to them just a few weeks prior to the pandemic, then I should have the opportunity to set up payments before I am left penniless by the bank. There was no warning that the money would be taken out. Navy federal credit union has a huge history of wrongfully collecting debts and bullying customers. A few years ago they were ordered by the courts to pay back tens of millions to families that were robbed and bullied by this institution. I find myself in this very situation that left so many families struggling not able to support themselves. The handling of collections by Navy Federal is disgusting and continues to destroy lives of the people that took years to build up these savings. I believe that I have been wronged in this collections process without an opportunity to make payment arrangements. Especially in times when everything is so uncertain it is an extremely authoritarian and unethical method to reach into someones account and take everything they have. Now they have effectively ruined my credit by processing these funds in the manner that they have, giving me no options and effectively leaving me with XXXX dollars. Its also worth mentioning that the money taken from the account was federal XXXX payments needed for treatments and to get help that I very much need. I hope that my situation can shed light on the corruption that still happens at their institution behind closed doors. It hasnt stopped after the lawsuits, they just found more loopholes.
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Capital One is trying to sue me for a credit card debt that I did not apply for the credit card. My ex-wife opened up several credit cards in my name unknown to me. When going through divorce proceedings I found out she had opened up several cards in my name without my consent or knowledge. The divorce degree says she is to pay these as she is the one who fraudulently opened them up by signing my name for the cards. I also tried to make a police report but was told since it happened in XXXX   it was too late to do the report. Captial One is now trying to sue me for the funds of {$1200.00}. The person I called said I knew about it and that I admitted that I knew about the cards to them which is false, I have never told them this was my debt, I have always maintained it was my ex 's debt. I'm concerned that they are opening fraudulent credit cards from people who have gotten other people 's social security numbers. I'm not sure what else to do. I don't have a lot of money for lawyers to fight this but it is not my bill, it is my ex 's.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NC)

I purchased a laptop on XXXX  on XXXX. The item never received even though the tracking info said it did. Filed dispute with XXXX as my card purchased it via XXXX. XXXX declined because I had disputed it with AMEX. The seller, who has been delisted due to fraud never responded to my communication. XXXX sent an apology that I never received the item. Again, they delisted the seller XXXX. I have disputed this twice with AMEX and all they do is say that the merchant provided documentation that it was sent and delivered. I spoke to the postmaster at our local Post Office. He said this is a scam where the seller sends an empty box to  another address in the same zipcode so that it can show delivered. 

USPS tracking # XXXX I am not, let me repeat NOT paying for an item that was fraud.
Consumer complaint received 2024-09-05
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. (NC)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher if that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTIONS STATES : No consumer reporting agency may make any consumer report containing any of the following 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 2019-11-28
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. (MN)

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XXXX 2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to XXXX  to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, XXXX  should not report false items when provided proof of payment.