davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block these accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2020-07-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I walked into a CitiBank branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2020. I sat down with a branch rep named XXXX XXXX. There were advertisements posted all over the wall of the branch marketing the " Citi Priority '' banking product which would offer a promotional deposit of {$700.00} into the account after conditions were met : 1 ) Within 30 days of account opening, deposit {$50000.00} into the qualifying account 2 ) Maintain the {$50000.00} balance for 60 consecutive days 3 ) Payout of the promotion is 90 days after minimum requirements are met In effect, I had to maintain {$50000.00} in a low-interest savings account for 150 days ( 5 months ), in order to receive the payout of {$700.00}. 

That payout was due last week. I called the bank to see why I hadn't received my payout, even though I had made close to no interest on {$50000.00} that was in their money market account. 

They told me they will launch an investigation. A day later, I noticed something strange. Whenever I would login to my Citi account, it would recommend I upgrade to " Citi Priority '' to get extra banking benefits. That was really strange since I had always been on Citi Priority up to that point. 

After a couple of days, I received an quite shocking update to the investigation : I was told that I never signed up for the " Citi Priority '' account package, instead having signed up for an inferior " Citibank '' account package. This account would have been eligible for a reduced {$400.00} payout, with a {$10000.00} minimum balance, but that promotion was never applied to my account at opening. 

These guys literally switched my account type on their end, retroactively modified all my e-bill statements, and claimed I never signed up for the Priority account package in the first place. They XXXX me out of the conditions to get the {$700.00} bonus. 

Thus, I wasted 5 months worth of interest on {$50000.00}, and received neither the {$400.00}, nor the {$700.00} promotional payout. 

This bank makes business by lying and deceiving its customers. Classic bait-and-switch tactics.It is infuriating, and they need to be brought to justice.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that JEFFERSON CAPITAL SYSTEMS purchased from another 3rd party debt buyer. Jefferson Capital Systems and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Jefferson Capital Systems is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (AZ)

I've tried to apply to a bank and was told that XXXX has a security freeze on my account. When i contacted XXXX they told me that there isn't a security freeze on my account and couldn't disclose why i was told there's a credit freeze. I tried to apply to a second credit union, who told me the same thing, that XXXX has placed a security freeze on my account. 

I want the security freeze permanently removed from my credit report and file at XXXX and LexisNexus
Consumer complaint received 2023-12-01
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. (OH)

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
Consumer complaint received 2024-03-29
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. (NC)

Disputed my account number with XXXX XXXX as reporting inaccurate on my credit report with late payments and inaccurate statement balances. now the account is not reporting at all. I ask the account be re-inserted on my credit report with correct payment history. This card was lost/ stolen and I am not responsible for the {$290.00} balance and the {$40.00} late fee. The account was valid, but the late payments and account balance were incorrect. After disputing this with Experian, the company deleted the account entirely which has adversely affected my credit as now I have no credit history whatsoever.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (GA)

On XX/XX/XXXX, I made a purchase at a local appliance store in the amount of {$760.00}. The store gives a one-year warranty with each purchase. After a short period of time, a couple of weeks, the refrigerator became unusable. I reached out to the store to ask for a technician to be dispatched to look into the issue. After several calls to the company, they did not send a technician, and so I disputed the charge with my banking institution, SoFi. SoFi assured me that they would look into the matter, and that it would take ninety business days from the date of the dispute to resolve this issue. Today, XX/XX/year>, I called to receive an update, in which they advised me that there was no wrongdoing on the business 's part and that the dispute for the product would not be honored. This product is faulty, and the company will not honor their warranty. SoFi is siding with this vendor.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

XXXX. -- Prior ( same complaint ) you closed without resolution -- -please STOP closing the complaint when the company responds but the issue is NOT RESOLVED. I am tired of refiling the same complaint over and over. 

This is now my XXXX complaint about the same problem. I can not access my Experian account online. They do not recognize the password and the phone number associated with the account is not mine so that I can update/change my password. 

I received a call about the issue from them and they left a message -- -I followed up and got an answering machine. No one has responded.
Consumer complaint received 2023-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have a mortgage with Select Portfolio Servicing Co. I have paid my escrow acct money toward ins. and taxes and the most recent escrow review has my mortgage payment {$300.00} more. Now I understand rises in insurance rates should have made my payment about {$100.00} more. But this company is charging me my normal escrow amount which should now be about {$360.00} plus {$300.00} more. I have called and each person is more nasty than the next. I am a low income XXXX XXXX XXXX and find it hard to believe that a mortagage company can just decide to charge escrow " in advance '' when that was not the policy in the past. This is not only unethical I can't believe it is legal? Please help, the extra {$300.00} a month is just not possible for me to handle. 
Thank you
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP (TN)

So there is a loan company that I got a loan through going on 8 years know and I have contacted them over and over again about why it's still showing on my report they are refusing to remove the account I try to dispute and the dispute says its accurate but there are still refusing to remove it from my account and ik under the credit fair act after 7 years the account is post to be removed from my credit history and they are refusing to do it
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Basically, in looking at all three of credit reports. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

I have attempted to contact the three bureaus as well as the subagencies and the information has remained on my credit report file.
Consumer complaint received 2023-12-01
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. (FL)

I checked my credit on XXXX  XX/XX/2023, and noticed there were a few credit cards from XXXX  XXXX with a {$3000.00}, a XXXX XXXX  with a balance of {$5000.00}, a loan from XXXX XXXX XXXX  with the amount of XXXX, XXXX XXXX XXXX XXXX XXXX  with a balance of XXXX and a XXXX XXXX  with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.
Consumer complaint received 2024-01-09
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!
Consumer complaint received 2023-09-18
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX  Balance : {XXXX} XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX} XXXX  XXXX XXXX Balance : {XXXX0} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

During pandemic, since we were in a state of Emergency in XX/XX/XXXX this collections company XXXX XXXX called 2 or 3 times daily to pay a debt. I know in state of Emergency periods, they were not supposed to contact me, During those periods, I am not required to pay any outstanding debts, I'm supposed to be worrying about the Emergency. They are a company that Is in California. They want to take on debts of those not residing in their state, then they should know Federal, and Every States Laws pertaining to their business and interaction with those they are contacting. Worst of all, each day, I would be called by 1 phone number, either all 2 or 3 calls that 1 day, is the only time those numbers will be on my caller ID. Each day, they would call from a new number, or each day I would receive 3 calls, all 3 a different number, never repeating. But it was always an XXXX XXXX recording telling me of my debt and payment is expected. I emailed them 1 time telling them they are breaking the law. The president declared the country in a state of emergency, they need to stop calling me until it is lifted. They must of not read it, because they continued with the same daily calls. 
Fast Forward, state of emergency Is over, sometime XXXX XXXX. Time passes. I get a letter in the mail in XX/XX/XXXX, saying My debt for which they have attempted to collect can no longer inquire about repayment and no one should inquire about me doing so.it is against the law. 
Recently in XXXX they sent me the same letter. XXXX XXXX sent me this letter.yet XXXX XXXX keeps calling me to pay it anyway. This is current up to XX/XX/XXXX. Its payment for an outdated XXXX ACCOUNT {$980.00}.
Consumer complaint received 2023-06-20
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. (OH)

Tried to by a house realize I had damages on my credit report which is defamation to my character. According to the 15 U.S.C 1681 There should not be any damages on my credit report because it is a defamation to my character.
Consumer complaint received 2023-12-01
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. (NC)

My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, Experian : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (IL)

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 XXXX Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2023-11-23
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.