davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have a fraud alert on my Equifax credit report. I want Equifax to immediately delete and remove the fraud alert from my credit report. Furthermore, I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, the following phone number isnt my phone number : XXXX.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I received a notice from my electric utility that my payment from my checking account at TRUIST had not processed for the reason : XXXX 's account is closed On XX/XX/XXXX, I received a notice from a business that was sending me money that a deposit to my checking account at TRUIST had been denied using a XXXXXXXX XXXX return code. 

I called Truist customer service line. They were very slow and finally told me that on XX/XX/XXXX they had received a 'suspicious call concerning my account, and the caller was a man, ' and then TRUIST decided to freeze my account. I asked why TRUIST hadn't contact me and the representative said 'did n't they send you a text? ' I have no record of a text from TRUIST, and I've never done business with TRUIST by text. 

I asked to speak to a supervisor and after a long wait was able to talk to XXXX. She refused to answer any questions or give me any information- she said I had to go to a branch office. I reminded her that I have moved and no longer live near their branch offices and can't just get up and travel all the way across the country on a moment 's notice. I begged her to consider some sort of XXXX party service that would allow me to establish my identity with having to travel all the way back to Maryland. She refused. I asked her to clarify what would happen with checks I had written, with my utility and credit card bills to be paid from the account and with incoming payments from Social Security. She refused. I asked her to send me a notice in writing about the cancellation of my account. She refused. I asked her to post information about my account in the TRUIST web account where I had been able to get information before. She refused. 

When I checked the TRUIST web account where I had been able to get information, I couldn't access any information about activity on my account after XXXX XXXX. So I have no way of knowing what is happening with my checks, or incoming payments. 

I do know from my credit card company that TRUIST blocked my most recent payment of my credit card bill. 

For the last week I have had to spend days of constant worry and effort contacting everyone that I do business with- including Social Security, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, to prevent further damage to my finances by TRUIST blocking payments into my account. Most of those changes will not be in effect until XXXX, so I remain under threat from TRUIST at least through the end of XXXX. 

I simply can not understand why TRUIST has acted in such an active, aggressively punitive way against someone who has been a very good customer going back 40 years through SUNTRUST.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX Chase sent me a letter stating the figure to reinstate a delinquent mortgage loan. The letter said the figure was good through XX/XX/XXXX. On XX/XX/XXXX the exact dollar amount stated in the Chase letter to reinstate was wired to Chase. Chase held the money for one week and then wired the money back stating it was the wrong amount. No different amount from the written reinstatement quote has been stated. No explanation whatsoever. I relied on the representation of Chase.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a balance XXXX, a collections account XXXX XXXX account opened on XXXX, XXXX XXXX under the account number XXXXwith a balance {$860.00}, a collections account XXXX XXXX account opened on XXXX, XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc. (PA)

The debit is from prior to XX/XX/XXXX. XXXX XXXX from XXXX XXXX XXXX, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said XXXX XXXX XXXX can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
Consumer complaint received 2018-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/2017 I closed my home equity morgage account with Wells Fargo. At that time in the closing documents I was charged {$510.00} in homeowner insurance that I should not have been charged. Trying to get information on this and an additional {$440.00} in fees I was sent a three page document of customers accounts and personal information. In the 5 months it took to get the {$510.00} refunded ( which was rediculous as my original homeowner insurance was in my original documents all along ) I had mentioned the customers information documents I had sealed in my safe. No one cared. Now that I have cashed the refunded check for {$510.00} I began getting rude and threatening phone calls from a XXXX XXXX from Wells Fargo bank demanding the documents who stated he would be calling me daily until he got them. I called the federal reserve who referred me to the FDIC regarding the documents and to you too stop the phone calls. I am following FDIC instructions and hope you can stop the calls. My name is XXXX XXXX and my number is XXXX. Thank you for anything you can do.n
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

On or around XX/XX/2020, Synchrony Bank started reporting a fraudulent credit account they purchased from Paypal. I immediately reported this PayPal account as fraudulent not belonging to me. I also filed a complaint with CFPB in regards to the sell and purchase of this fraudulent account. I disputed this account directly with Synchrony and request verification of proof of purchase, signature and documentation showing who opened and sign for the account and purchases. I asked for an itemized statement showing how they calculated and came up with said outstanding balance. To date Synchrony Bank has refused to validate this fraudulent claim and now reporting this account delinquent with the three major credit bureaus in directly violation of the FCRA and FDCP. I am requesting an investigation into this blant abusive practice of buying fraudulent accounts refusing to allow consumer to dispute said account and Synchrony Bank blatant violation of the FCRA.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please Investigated the following accounts as I don't believe the information to be accurate. Please remove the following address from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please verify these accounts. XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Attorney General. I also noticed you are reporting multiple late payments on my credit history. I believe these to be accurate. please check your records and verify the accuracy of each late payment being by your company, XXXX XXXX # XXXX Please verify this account.
Consumer complaint received 2024-10-24
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. (FL)

XXXX is inaccurately reporting I owe a {$1500.00} balance on this account. They also are reporting they have charged off this account. They have not provided me a 1099-C for IRS filing purposes yet continue to report month after month that I owe a {$1500.00} balance to this company. This is inaccurate. The credit bureaus are still inaccurately reporting this information monthly as well thanks to XXXX even after I keep asking them to re-investigate this inaccuracy. This negative item does not meet the FCA reporting requirements. This is a direct violation of the FCRA. I demand they remove the inaccurate information from my credit files per 15 USC 1601 and pay me {$1000.00}. per law for the problems this is causing me with potential new creditors.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (NJ)

This vehicle was totaled and removed from my insurance policy on XX/XX/year>. XXXX has since notified XXXX who has been in possession of the leased vehicle. There would be no payment due after XX/XX/year> yet XXXX has not returned my full security deposit, corrected the credit report as it should have been current and no payments due after XX/XX/year> XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Company U.S. Bank XXXX XXXX I'm writing to express my disappointment and frustration regarding the promotion bonus for the XXXX Checking Account ( promo code XXXX ). Despite meeting requirements, including direct deposits exceeding {$10000.00} within XXXX  days, my {$500.00} bonus wasn't posted. 

*Timeline* - XX/XX/scrub>XXXX XXXX XXXX  : Applied and approved for XXXX  Checking Account - XXXX XXXX XXXX : Confirmed eligibility with representative XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX  Representative XXXX verified requirements and promised follow-up - XX/XX/scrub>XXXX XXXX XXXX  : Representative XXXX repeated promises - XXXX ( fourth call ) : Representative Candy investigated and uncovered issue *Issue* Previous non-Smartly account was mistakenly considered, voiding eligibility. No notification was received. 

*Resolution* Spoke with XXXX XXXX, who apologized for inconvenience. 

XXXX - XXXX of transparency - Miscommunication - Unacceptable business practices- Discriminating I request justice and resolution for this frustrating experience. 

I have all of relevant documents and recordings to support my case.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (PA)

I closed my XXXX XXXX account on XX/XX/2023. My XXXX XXXX report shows incorrect information for items that were returned. The amounts that were returned were trial deposits from an external bank. There are other inaccuracies as well
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Formal Request for Account Information and Compliance with the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX Customer Service Team , I am writing regarding my account, which begins with the number XXXX. I have a contract with XXXX XXXX, a debt relief company, to assist in negotiating and resolving this debt. XXXX XXXX has made several attempts to contact your office on my behalf, but they were informed that the account has been transferred to Elan Financial Services. 

As a consumer, I am entitled to clear communication regarding any changes in account servicing or management. As of this letter, I have not received any notification from XXXX XXXXXXXX XXXX XXXXXXXX this transfer, nor have I been provided with new contact details or account information with Elan Financial Services . 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am formally requesting that you provide me with the following : Confirmation of the transfer of my account to Elan Financial Services, including the date of the transfer. 
Any updated account number associated with Elan Financial Services.

Contact information for Elan Financial Services, including any representative assigned to handle my account, to facilitate my and XXXX XXXX communication with them. 
Under the FCRA, creditors are required to provide accurate and complete information to consumers regarding account status, servicing changes, and any associated transfers. Failing to inform a consumer of such changes could be considered a violation of these rights. 

Please provide the requested information within 14 days of receiving this letter. This will allow me to take the necessary steps to resolve the debt as responsibly as possible. I look forward to your prompt response and cooperation in this matter.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I sent a certified letter of cease and desist all forms of communication with me as related to this alleged debt. The letter was sent certified mail, signature required for delivery. The letter was received by Citibank representatives on XX/XX/XXXX @ XXXX am and stamped received. On XX/XX/XXXX I received a XXXX envelope, ( see attached tracking information, sent to me by Citibank Group ) sent 2nd day air. That tracking # is XXXX and was delivered to me on XX/XX/XXXX. Inside was a letter from Citibank, acknowledging my cease and desist letter and would not longer contact me about your ( alleged ) past due status on your account. Also, Citibank acknowledged receiving my request to cease and desist in this letter and stated they would not reach out to me, contact me further. 
Today, XX/XX/XXXX Citibank violated my cease and desist demand after acknowledging receiving such in there letter received XXXX day air as noted above dated XX/XX/XXXX and received by me on XX/XX/XXXX. 

Citibank, after acknowledging my demand to cease and desist letter, called my home XXXX today, XX/XX/XXXX ( 5 ) FIVE TIMES just today! The times they called today were XXXX am, XXXX am, XXXX am, XXXX am and XXXX pm all Eastern standard time. This is in violation of my rights Pursuant to the Federal Fair Debt Collections Practice Act ( 15 USC, 1692c ).

This recent attempt to continue to harass, intimidate and cause me anxiety and distress is unacceptable and unethical behavior and practices of Citibank. 

Im asking this agency to hold Citibank accountable for their obvious, intentional and illegal practices of continuing to contact me even after receiving my letter of demand to cease and desist, received by Citibank officially with signature verification received on XX/XX/XXXX @ XXXX am then receiving a letter from Citibank sent XXXX 2nd day air with tracking information provided from them, Citibank, actually acknowledging they are in receipt of my cease and desist order and stating they would not longer contact me is just unacceptable. They lied and blankly ignored my rights to not contact me and more importantly, ignored the law Ive stated above. Again, Im asking the department of consumer affairs to take the appropriate action and hold Citibank accountable for their illegal practices. I would also want this complaint forwarded to the Federal Trade Commission and any other agencies that could also take action against this company, Citibank.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (WI)

I made a purchase at XXXX on XX/XX/XXXX & was supposed to receive 5 % cash back for the {$810.00} purchase. The cash back period ended on XX/XX/XXXX. However the payment did not post until XX/XX/XXXX so they refused to give the 5 % cash back as advertised.