davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

UPON LOOKING AT MY EQUIFAX CREDIT REPORT, IT SHOWS SOME INACCURACIES. IT REPORTS A COLLECTION ACCOUNT FROM PORTFOLIO RECOVERY. THE ACCOUNT HAS A COLLECTION CODE YET IT STILL REPORTS AS AN OPEN ACCOUNT. AND ALSO, IT HAS A PAST DUE AMOUNT OF WHICH A COLLECTION IS NOT SUPPOSED TO HAVE A PAST DUE AMOUNT. ALSO, THE DATE THE ACCOUNT REPORTS OPEN ON EQUIFAX XXXX XX/XX/XXXX IT CONTRADICTS WITH THE DATE OF DELIQUENCY WHICH REPORTS AS XX/XX/XXXX. 
THIS IS NOT UNDER FCRA XXXX. 
THESE ARE INACCURACIES REPORTINGS AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hi I have ran into a problem on more than one occasion most recently being XX/XX/2023 at citizens bank located in XXXX XXXX XXXX XXXX XXXX XXXX My weeks pay generally arrives late by mail on XXXX  so I go to bank that does businesswith my employer so I can cash the check. When attemptingto do so the teller refuses to cash the check and tells me that I'm doingnothing wrong on my end and that my employer needs to do something in order for me to cash the check. I reply so what am i supposed to tell my employer to do because I can not let this happen again in the future. The teller explains to me that work will know what needs to be done on there end but she can not share that information with me to share with them. I then replied that I was upset with the process I also let her know the last time this happened all I did too fix it was go to a different Citizens bank to cash the check and why she was unable to do so. Her next answer did not make sense either. On this day I also went to differentcitizens branch and was able to cash same check that was deny cashing 20 mins earlier at said location. Im notsure if this a work issue a bank issue or both. But i am sure this is not a fraud issue i am in the bank every week they are aware I am there to cash a check and have no interest in opening an account. I provide ID and hand them a signed check issued from my employer city of XXXX and there bank please help fix this mess thanks
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a XXXX XXXX card from capital one. I provided my SSN, Drivers License information, and other identifying information and was approved. 

After receiving my card in the mail and trying to use my card for the first time, I was told it was " Locked for Fraud '' and asked to provide additional identification. I provided the requested information and kept getting told it was not enough despite it containing all the information they requested. 

They could also see I currently own a different Capital One Credit card for over 10 years, and it had the same identifying documentation and was in good standing. 

After multiple attempts with Capital One 's customer service I was left with a hard credit inquiry on my credit, and an unusable credit card since capital one can't figure out what identity documents they need. 

After searching this issue on the internet, it appears Capital One is approving everyone, then demanding identity documents people may not have. Even my passport wasn't sufficient .... This is fraud / bait and switch. I will never do business with Capital One again.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was charged {$350.00} by XX/XX/XXXXafter my rental was returned and our affairs settled. I contacted the branch about the charge and was told they had no records of that charge and it must have been a different department used for tickets. I then called that department with the number supplied by the branch. I was told again no record of that charge.
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEMS - They have filed a derogatory collection account in my credit file apparently for a rental apartment I have no knowledge about and never lived at. XXXX XXXX and XXXX have all confirmed that my personal information has been compromised on the dark web. I have been attempting to have them remove the account without progress,
Consumer complaint received 2023-11-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CO)

AMSHER had been calling me demanding i pay a collection that doesn't belong to me. The name listed on the account is similar to mine, but it's not me. I asked them to show me a contract that signed by me with my name, obviously they can't produce it because I never had a XXXX account opened. 
They placed a collection account to XXXX and the other XXXX even though that is NOT my account. They have been calling me way too often, about 10 times a day.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Scammer reached out via XXXX. Scammer sent checks via email, requesting partial payment via XXXX  and XXXX. XXXX XXXX was sent and money was transferred. Chase bank then said all checks had bounced and that money was not recoverable.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2023-08-31
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX  XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX  Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX Total fraudulent amount : {$1700.00}
Consumer complaint received 2023-04-15
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. (NC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX CT XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I FILED A DISPUTE CONCERNING INACCURACIES IN THE ( SANTANDER ) ACCOUNT THAT'S ON ALL 3 OF MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). THEY ARE REPORTING A BALANCE OF {$6100.00}. AFTER GOING OVER THE BREAK DOWN OF WHAT ( SANTANDER ) SENT TO ( CFPB ) ALL 3 CRA 'S AND ME I NOTICED THEY ADDED {$1300.00} TO THE {$4800.00} CHARGED OFF BALANCE. IT SAYS FOR AUCTION FEES, STORAGE, ETC ETC ... I WAS NEVER NOTIFIED ABOUT ANY AUCTION AND BY GEORGIA LAW I SHOULD HAVE BEEN NOTIFIED BY ( MAIL, PHONE, OR EMAIL ). THEY NEVER COMPLIED WITH EITH NOTICE REQUIREMENTS OF MY RIGHT TO CURE OR OF THE SALE OF THE VEHICLE.
Consumer complaint received 2023-10-10
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. (CA)

The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Capital One has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 Capital One is required by law to give me 3 disclosures. I have checked all documents from Capital One given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am hereby requesting all above disclosures required by Federal Law. 

In addition, I am requesting a copy of the original contract bearing my signature.
Consumer complaint received 2023-06-13
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. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC (IA)

I agreed to a {$3000.00} 35.95 % APR due to kids father losing his job and not paying bills. I only received {$1800.00} on XX/XX/XXXX. I couldn't reach anyone in regards to the remaining {$1100.00} was so I applied with XXXX XXXX for the remaining cause it wasn't enough to cover my overdue bills. Throughout the length of this loan I have never been able to contact an actual person and was very frustrated. {$95.00} biweekly was my allotment from XX/XX/XXXX to when I canceled the allotment on XX/XX/XXXX due to overpayment and STILL unable to reach anyone. At the time my online account was still showing I owed {$1900.00}... not possible. I have been fighting getting this removed from my credit report as well as arguing with XXXX XXXX XXXX who they SOLD my " loan '' to when really there was nothing to sale... they owe me {$180.00}. This has been months of an ongoing mess. I have paid back {$2600.00}. 
{$1800.00} XXXX % = {$650.00} {$2400.00} However, they breached the contract by not fulfilling their agreement to loan me {$3000.00}... I really should only have to pay back what was given to me, {$1800.00}. By rights, they owe me {$840.00} ... interest I have paid!
Consumer complaint received 2023-04-19
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: CITIBANK, N.A. (CA)

I myself contacted Citi-Bank via phone call. All charges were reported as fraud. The bank deactivated the card ( frozen ) and all charges dropped. I am in the process in contacting you regarding the situation and will fill out a police report online in XXXX, CA. 

The approximate charges totaled over {$11000.00} USD and the purchases ordered and delivered in Texas. I live in CA for over 70 years. I haven't lived anywhere else not including my years serving in the military.
Consumer complaint received 2023-04-15
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Friedman Law Associates, PC (PA)

Friedman Law Associates contacted me and said they could help me get a loan modification to avoid foreclosure on my house. We scheduled XXXX payments to be drafted from my bank account for {$970.00} which they presented as money that went to my mortgage but I later found out it was retainer fees. After speaking with the mortgage company they told me I did not need an attorney and they would help me with my mortgage. I then changed my mind about using the attorney for a loan modification after they had already drafted XXXX payment of {$970.00}. I asked them to please return the money since I chose not to use their services and they will not return the money. Losing {$970.00} is devastating to me as I need that money to put towards my mortgage. I would like the {$970.00} returned to me as I do not think it is fair for them to keep all of that money when I am not using them for a modification.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022 without notice I realized I couldnt log into my bank account online. The same day I called the customer service number and they said it had been closed and gave no explanation and didnt say when my funds of {$6100.00} would be returned to me. They told me to call a branch or walk into one. I called my nearest branch in XXXX, PA and the said the balance is zero and they are not sure if my final account check was mailed to me.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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