davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

This case is a continuation of Sam case reported on XXXX  XXXX XXXX. under CFPB report XXXX. After XXXX  XXXX XXXX closed, I went to a lawyer but, with the pandemic and left with limited finance due to high medical bills from my XXXX  XXXX  injuries, I did my own research and found oud the bank of XXXX which confirmed the Zelle transfer I made to XXXX XXXX and " mother '' of XXXX XXXX was XXXX XXXX  as XXXX  XXXX XXXX told me at the time I filed with CFPB but XXXX  XXXX XXXX could give me details about XXXX XXXX citing some " privacy '' rules and what led me to get an attorney. Furthermore, I also called XXXX XXXX, where XXXX XXXX has an account and this was confirmed by XXXX. XXXX. 
I then called XXXX multiple times and they kept telling me to go to XXXX  XXXX XXXX. and I told them I had already contacted XXXX  XXXX XXXX and was told to contact Zelle. Then I went to XXXX  XXXX XXXX and told them what Zelle just told me. XXXX  XXXX XXXX. said their investigation. was close which I knew. I called, emailed Zelle and even g provided them with XXXX  XXXX XXXX case # and told them cfpb also investigated and was wondering with XXXX. XXXX XXXX  and her " mother '' XXXX XXXX XXXX XXXX detiled accounts, why not take necessary actions to get my {$1900.00} money back? I was told they noted and I should wait and they will get back to me. Fastward, after another call, they emailed and told me to use a link and enter the case I thought should have been entered as I understood. during all these calls or email. Long story short, I used the link and and went to Zelle to file the case but haven't heard from them. I also emailed and got a reply they're investigating. However, I have no update since XXXX XXXX. I send another email and it seems nothing is moving and I though I should inform you by submitting a new complaint and this time against Zelle.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

I have a BestBuy card which is managed by Citi. BestBuy routinely promotes that you consumers receive certain months without interest but that all interest is cumulative and payable if all amounts are n't paid before the expiration of the promotion. Citi/BestBuy, however, limits the number of payments that can be made on the card, which I believe is to trip people into failing to make payments on time and then being able to charge all backdated interest.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I had a Citibank checking and savings account. Apparently, there was some form of overdraft protection ( in the form of a line of credit ) on the checking account. I was in the process of buying a new home with XXXX XXXX as the lender. I was attempting to liquidate my checking and savings with Citi and move all of my money to XXXX. On my online account, the available funds in the Line of Credit appeared to by positive money owed to me. So, I moved the money that I thought was mine to my checking account and proceeded to close the accounts. I had trouble closing the accounts, as can be confirmed by multiple calls to the Citi customer service unit. Please note - there are NO branches in my state and it appears as though the branch I started the account in is closed as well. This is very unfair and confusing for a consumer. Eventually, the accounts were liquidated/closed. However, it appears as though what I thought was an available balance for me, was actually a line of credit. It was ~ {$150.00} ans was reported to the credit bureaus as delinquent. Now, my otherwise perfect credit history has been negatively impacted. Look, this was not a loan to me that I did n't repay. This was just a confusing feature on my account that I did n't even know existed. I was never notified - no one called me, no one mailed anything to me - regarding this ... it just showed up on my credit report one day. This is not an act of non-payment. This is solely customer confusion caused by the online account, absence of branches, and an inability of an offshore call center to assist a customer.
Consumer complaint received 2024-08-10
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)

I have been a victim of Identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-06
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-15
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 - IDENTITY THEFT  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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

Equifax has a collection report saying I owe {$290.00} from XXXX. It was originally from an old XXXX cell phone bill. I paid XXXX a long time ago in full. I filed a dispute XXXX times already with equifax and every time it comes back saying I still owe money. I even faxed them a letter from XXXX saying I owe nothing. I call XXXX and they say the account was paid and closed but they wont call equifax directly and equifax wont call XXXX directly to resolve this. They each tell me to call the other company so I ca n't get anywhere as this hurts my credit. I have dealt with this about 6 months now with no results.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2016-08-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TekCollect Inc. (PA)

Recently this company has shown up on my credit report. Tek Collect has failed to contact me through any various means ( phone, email, mail ) regarding the amount or creditor I supposedly owe. I do not believe I owe a debt in the amount of {$130.00}. I have also not been able to find solid information on this company and have read some disheartening reviews on their processes
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC (OH)

I was working with XXXX XXXX way before he came to Envoy Mortgage Company in fact I think he had switched jobs twice before landing at Envoy. XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX. When he landed his job at Envoy he was determined to help me get a refinance loan. He worked very hard and then just gave up on me, we miscommunicated with phone calls and documentation, he kept saying due to my not getting documents in time over to him but in reality I think he kept them on his desk and let them set, not once but three times did I have to give him documents that he already had. I finally gave up on him in on XXXX XXXX, XXXX and asked for all my paper work back, his last email sent to me was dated XXXX XXXX stating he returned my documents, I 'm still waiting for those documents. I have sent him several emails and no response. His information : XXXX XXXX XXXX : XXXX XXXX # XXXX Envoy Mtg. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX. Cell phone # XXXX, XXXX # XXXX and Fax XXXX. 

It should not take over three months to get a loan. He started Envoy around XX/XX/XXXX and yet I 'm still waiting for documentation. I 've called several times, emiled countless of times and yet no response. I want my paperwork back.
Consumer complaint received 2024-10-28
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: NAVY FEDERAL CREDIT UNION (NJ)

There was credit card fraud committed for the amount {$6600.00} on my card. I had the card on me while the fraud took place and I was out of the country on vacation. I alerted Navy Federal Credit Union that fraud had taken place on my account as soon as I saw the charges. They came to a conclusion that it was not fraud and were not willing to provide me with any other assistance besides refilling another claim which I have done. 

The transactions took place at a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in Pennsylvania which is a state I dont live in. Not only that but I was in XXXX during these transactions and therefore could not have done these transactions. 
When I called Navy Federal Credit Union they were very dismissive and would not provide me with information on how they concluded it was not fraud. They clearly did not investigate properly and do not care about their customers.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

I signed up for a promotional offer, but my registration was not processed by American Express because of an error on American Express 's end. I was not aware my registration was processed by American Express at that time. The offer was for XXXX starpoints for {$10000.00} spending ( broken into XXXX increments ). After almost completing the spend, I called American Express to see when I could expect the points and they told me I had not signed up for the offer and they had a lot of technical difficulties in the past for this offer. I was told to finish up the {$10000.00} spending and they would backdate the purchases and I would receive the bonus. Another phone call later, and the customer service representative said XXXX of the bonus was pending to my account and was from this bonus spend. I would later find out, by calling the 3rd party bonus program, that these XXXX points were from referral bonuses unrelated to the {$10000.00} spending incentive. Six calls over the course of two months telling me that the points were pending and would be given once the next statement closed, multiple online chats, long hold times, and disconnected calls later and I was told they could not back date my purchases and I would receive no bonus points.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (CA)

I transferred a credit balance from an American Express business card to an American Express personal card. Unfortunately, since the credit balance exceeded the balance on the personal card, American Express unilaterally decided to issue a check for the difference of {$86.00}. This check was first issued on XX/XX/2016 but never arrived. I contacted American Express and XX/XX/2016 the check was resent, however this check too has not arrived. I contacted American Express on XX/XX/XXXX to check on the status of the check, and they again reissued it without asking my permission. This means that if the XX/XX/XXXX check arrives, it will be voided, and I will not be able to cash it. However, after 18 days, it is unlikely that it will arrive. American Express has also stated that they have sent email messages, however I have not received those either. The likelihood that both American Express ' XXXX mailed checks and emails all were undeliverable is very low. Therefore, I believe that American Express is not doing as it says, whether due to system difficulty or negligence.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NY)

I entered into a contract with a kitchen co. to design, fabricate and install a new kitchen in a XXXX apt XXXX in XXXX Prior to kitchen delivery, the co. forced me to pay the balance of {$11000.00}, or delivery and installation would not be done. My wife and I had a 2 month old infant without a kitchen, so I reluctantly agreed, and payed with my American Express card, affording me the opportunity to have protection in case of any problems. 

After the delivery and installation of the kitchen, I observed shoddy workmanship and poor material quality. I notified the company, and they made half hearted attempts to correct the problems. The kitchen is not completed, filled with outstanding issues, as per the contractor 's own punchlist, and contractor has ignored my requests. 

I subsequently discovered that he is not licensed by the XXXX, or as required by the XXXX rules, to perform any kitchen work. 

I immediately notified American Express, submitting documentation of the unfinished kitchen, no license, etc. To my astonishment, after receiving and " reviewing '' my documents, Amex has payed the contractor, and refused to issue me a credit. I have written and submitted my documentation to the president of American Express, who delegated my problem to a low level employee XXXX, who declined my request. 

Rules, including licensing requirements, are mandatory and to be followed and adhered to, by all contractors. Amex 's weak response is unacceptable in light of the overwhelming evidence, including an incomplete and flawed kitchen.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

The XXXX XXXX XXXX acct. was not mine, although it is showing on my credit report. I was an authorized user for the gentleman who owned the account. He is handicap and sometimes I did his grocery shopping and banking when he got sick. He filed bankruptcy in XXXX of 2014
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Promotional incentive promised {$200.00} " reward '' withing 14 days of opening a Huntington XXXX checking account and depositing {$1000.00} within 60 days. I deposited {$1500.00} on XXXX XXXX. On XXXX XXXX I received a {$150.00} reward, which is {$50.00} less than their advertisement stated. I called their customer support line and was told the offer that was applied was correct, and offered no explanation for the {$50.00} discrepancy or a resolution. 


This is a " bait-and-switch '' tactic designed to trick customers into changing banks while saving themselves some money with a reduced reward.