davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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: Evergreen Moneysource Mortgage Company (NV)

Multiple loan originations have been fraudulently originated on my behalf by Evergreen Moneysource Homeloans/ Evergreen Moneysource Mortgage XXXXEvergreen Homeloans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about : XX/XX/XXXX Loan # XXXX for {$270000.00} XX/XX/XXXX Loan # XXXX for {$170000.00} XX/XX/XXXX Loan # XXXX for {$140000.00} I am confused and do not understand how this could occur. This is major Consumer Abuse
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

On XXXX of XXXX my wife and I purchased a door at Lowes in XXXX NY ( all aspects including installation cost ) for our home, current door needs to be changed plus we had a family gathering was scheduled for XXXX of XXXX. After months of excuse delays, up to and including days of delivery of back of forth with manager ( XXXX ), who exclaimed " what, do you want me to give you a free door '' ; another supervisor and or store employee, " do you want me to go make you a door myself '' This, in an attempt to see if the manager would rush the order and or consider discounting the purchase for the missing delivery multiple times within/by a month. To which He ( XXXX store manager ) replies, '' trust me I will discount it, but you have to take delivery '' I ask what would be the discount %, he refuse to say, at which point, I said forget entire purchase, the discount and refund the account. On XX/XX/XXXX, 2 days after I ask for a refund, XXXX emailed me a scanned copy of refund receipt. To date XX/XX/XXXX, after 3 dispute attempt with Synchrony and over 25 phone calls and emails from Lowes Synchrony Bank harassing me, I am being ask to pay outstanding balance of XXXX due XX/XX/XXXX for a door purchase that I NEVER TOOK DELIVERY FOR. I have saved text, voice message, dozen of emails and it they keep on coming. I want the harassment to stop, I want my account brought current and compensation for the XXXX filled stress of opening my email and seeing call from " Synchrony '', the argument this cause between my wife and I and effect this have on my credit. Please help.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My information with Equifax was breached. 
Here is the proof and they refused to delete theee accounts. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : Bankruptcy XXXX. XXXX, XXXX - {$0.00} XXXX XXXX Please remove these accounts immediately as I was a custom of this data breach.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (KY)

My identify was stolen and used without my permission. Equifax had a data breach and send me mail stating that my information was breached and I have two accounts on my credit that are not mine. I need them both deleted immediately. Equifax failed to keep my information secured. These accounts are not mine and I request they delete them from my reports. 

The first is XXXX XXXX with a {$510.00} balance. 
The second is XXXX XXXX  with a balance of {$770.00}. 

I want these deleted from my XXXX, XXXX, and Equifax reports immediately
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I was scammed by an online seller and SEARS insist I pay for something I received that was not as described. Now because I refuse to pay, SEARS calls me numerous times a day and they hang up on me most of the time when I answer.

Beware of this company, SEARS is harassing me, because they think it's easier to go after a long time loyal client than go after the scammer. I may also have to file a complaint with the FCC over their numerous phone hang ups.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information was marketed and sold to unknown individuals or entities during Equifax data breach. I was in confinement in jail from XXXX XXXX  to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that Equifax acknowledges that I was a victim of their data breach. I have disputed items several times and Equifax has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that Equifax has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Technology Federal Credit Union (CA)

On XX/XX/2018, I received a certified mail letter to stop " manufactured spend '' activity. 

On XX/XX/2018, I called to ask what specific activity in my account triggered this letter. I was told that for my account specifically, it was due to receiving transfers from other credit union members who exhibit signs of this type of activity on their accounts. They said as long as I stop receiving transfers from other FT ( First Tech ) members, I should be fine, as my account does not exhibit any other signs of prohibited activity. 

However, on XX/XX/2018, I was unable to sign in to my account. I called customer support, and they said my account had been closed for the reasons in that letter. They sent me a cashier 's check for the balance, but they kept {$5.00} in my savings account. I am unable to access my savings account and am unable to pull my transaction history. 

I believe my account was wrongly closed because I have not performed any prohibited activity. After the call on XX/XX/XXXX, I stopped receiving transfers from any other FT members. I have been slowly transferring my money from my checking account at XXXX XXXX to First Tech with the intention of making my First Tech account my primary account.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2018 Regions Bank paid an {$1800.00} check written on another persons checking account from mine. I discovered this on XX/XX/XXXX and called the bank. I was told that I would have to visit the branch in order to resolve the matter. I did that the following day ( XX/XX/18 ), filed a formal complaint, and was told that I should here from someone in a few days. As of today, I have heard nothing back. However, the funds were put back into my account by the next day. Fortunately, I had deposited money in my account just days prior that allowed the matter not to cause me a catastrophe. 
Not only was the account number on the check not mine nor was the routing number even similar. Not to mention the differences in the account holder ( s ) names and address. Even different states.

Had this happened to my mother or sister it would have destroyed them. Neither of them have internet, meaning no PC banking, so they would not have even known until receiving their bank statement in the mail. Additionally, my sister does not drive and has medical issues so having to attend a branch would have been very difficult for her.

If this has happened to me, I am willing to bet the same has happened to other customers. This could cause so very many issues, including very long lasting negative effects to a credit report. For anyone that has had incorrect or fraudulent information on their credit report knows how very difficult and time consuming it is to correct.

I am attaching a copy of the other persons check and the Regions complaint ( to which I have still heard nothing. Not even a phone call to say they are investigating and will get back to me ). 

Because I have a copy of the check that is included with my online account I also have that customers address, phone number, and checking account number. Thank goodness I am not the type person to steal from another.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

These inquiries were unauthorized and I am a victim of identity theft. 

XXXX XX/XX/XXXX BRCLYSBANKDE XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-19
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. (VA)

THIS IS AN UPDATE!!! The following accounts are still reporting after multiple disputes. 
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (MD)

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

There is an account in my name open at XXXX XXXX Bank which is the result of identity theft. I first received notification of this account on XX/XX/20, called the bank that evening and spoke with someone named XXXX who said she would make the account balance {$0.00} and forward the case ( Case ID XXXX ) to the identity theft department. XXXX verified that the thief opened my account online using my name, DOB, address, and SSN, but had used a false driver 's license number/expiration, false phone number, and used a first name instead of mother 's maiden name. I never received a call from XXXX XXXX Bank XXXX XXXX department. On XX/XX/20 I created an FTC identify theft report on XXXX XXXX XXXX # XXXX ) and sent a letter from that site to XXXX XXXX Bank requesting that they close the account and notify any reporting agencies that this account was due to identity theft. On XX/XX/20 I received a voicemail from someone identifying herself as XXXX XXXX from the office of the chairman at XXXX XXXX Bank XXXX, and called her back leaving a voicemail. I have not heard from her again. I received another checking account statement on XX/XX/20 and called XXXX XXXX again and left a voicemail asking to close this fraudulent account, send me written verification, and notify reporting bureaus. Today I received a report from XXXX stating that in regard to this account, " The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I have attempted 4 times to close this account and clear my name on consumer reports by both phone and written requests. Please help me.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance XXXX : {$0.00}
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (NJ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (GA)

On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. Equifax has updated my report with the results of removal of my XXXX XXXXXXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with Equifax. XXXXXXXX XXXX XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (FL)

I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX XXXX. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc. (NJ)

I pay a biannual fee to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. The resort sent out their maintenance fee two months before the year is finish with demand for payment by XX/XX/XXXX. When I purchase the resort ( under duress-after being there for over 6 hours ), which is paid in full, I specially told the sales representative I can make all payments by the XX/XX/XXXXof the month. I was told no problem. No Im being harassed & threatened. I requested a payment plan. I was charged {$25.00} for late fee ; additional {$25.00} for taxes ( none of the other owners were charged this additional tax fee ) & {$5.00} for Voluntary XXXX fee ( never agreed to, which is forced on every timeshare holder whether they like it or not ). I made arrangements to pay the maintenance fee. After paying {$310.00} & disputing the {$25.00} additional tax fee ( which is my right ), XXXX sent my account to collection to Continental Central Credit, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX. This company try to financially XXXX me ( maintenance fee : {$790.00}, interest : {$8.00} ; collection fee : {$260.00} for a total of {$1000.00} overcharge of over {$600.00}. I called them at XXXX & XXXX & spoke with XXXX who said she would get back to me. I emailed XXXX who told me to contact Continental Central Credit INC. In the meantime, Im not able to utilize the facility even though its paid in full. The contract according to XXXX said the fees can go down but it keeps going up without service
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I Had An AcH Account And A Personal Checking Account As Well With Bank Of America, The Location In Question Is ; XXXX XXXX XXXX, XXXX PA XXXX. The Employees, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I FILED A POLICE REPORT AFTER I HAD BEEN TO THE XXXX XXXX XXXXXXXX FIVE TIMES WITH MISSING MONEY FROM MY ACCOUNT IN QUESTION. PLUS MY CARD WAS LOCKED SWVERAL TIMEA UNAUTHORIZED AND FOR NO VALID REASON ( S ). THEY REFUSED TO ASS IST ME SO I HAD TO PAY FOR A RIDE TO GO TO ANOTHER LOCATION THAT STAFF ON THE PREMISES. SO AFTER that 6 Tume I Had Already Asked Bank Of America Fir Their Investigations Department Several Times. FINALLY A NEW CARD WAS ISSUED TO ME AND BLOCKED I WENT TO TWO BANKING LOCATIONS THAT DAY. SO I HAD TO ALSO GO BACK TO XXXX XXXX. I CALLED THE POLICE SOWN THERE. THEY LIED TO THE POLICE TRYING TO HOLD NY MONEY SAYING THEY WERE GOUNG TO SEND IT TO ME.i Had Over {$13000.00} From XXXX XXXX XXXX XXXX They Me A Cashiers Check For {$580.00}. Who's Going To Recover My Money.???
Consumer complaint received 2023-12-11
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: SYNCHRONY FINANCIAL (KY)

I was charged XXXX on my Venmo account from an unknown apple bill. I checked and it was a subscription for some random company I have never even heard of. I tried to dispute this charge with Venmo, and they just blocked my Venmo card. The purchase was made on XX/XX/2022 and I have been fighting this case ever since.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says ... .. Law
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (VA)

I paid {$31.00} on XX/XX/2023 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is a fraudulent stamp seller. They call themselves XXXX XXXX XXXX. The payment in my checking account reads as " XXXX XXXX XXXX. ''