davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Person called from what showed up as a friends number ... they left voicemail saying they were representing a lawsuit. They left a phone number of XXXX with a case number.. I called them back and they said they were representing fifth third ( fifth 3rd ) bank. They had my social, dob and full name. Said I was being investigated for malicious and predatory borrowing.. Ive never had a fifth third bank account and Ibe never been in trouble or dont anything bad financially.
Consumer complaint received 2018-05-16
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. (CA)

On XX/XX/XXXX we had a flight from XXXX to New York. Four days after on XX/XX/XXXX we were supposed to fly with XXXX XXXX  to XXXX. On XX/XX/XXXX our flight got canceled due to a storm that was happening on the east coast. The earliest flight to New York our company could offer was on XX/XX/XXXX. We could not fly with XXXX XXXX  to XXXX but yet they still charge us for a baggage payment of XXXX dollars. We notify XXXX as soon as we know that we won't be able to take the flight. They were not willing to work with us. I'm a student who gets to travel once a year ; I don't see why I'm paying for the add-on service I never got to use. I provided all the information of this situation to City bank.
Consumer complaint received 2023-11-06
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. (NJ)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

The three credit reporting agencies have had old and outdate information as well as debts that do not belong to me, and old alias names that I have never used and public record information that is over 7 years old and outdated. I have tried for many years to resolve the outdated information on my credit reports to no avail or resolution. I have also been breached by XXXX credit reporting of leaking my credit file and they have never resolve this as well. I tried to have them resolve it and they ignored my request. I was part of the XXXX breach. And they have taken no responsibility to clear my credit report. I have disputed items on the credit report and they have ignored the request. The credit reporting agencies have received no solid evidence as to my signatures on credit inquires as well because of the breach my credit file has been through. I have been severely damaged because of old and outdated information on the three credit agencies. Also I wanted to mention XXXX XXXX, they have inflicted dame on me as well. They have put a fraud alert on my credit report and I am not able to get passed that. They also have ruined my credit report. The credit reporting agencies are Experian, XXXX and XXXX. Also I have only been able to receive on report over the past five years, from my free reports and that is from Experian. They will not provide any other credit reports. I have been breached and they have ruined my credit. They do nothing to address what they have done to my credit. And they have received no legal signatures of credit inquires from the business that have been reporting it to the credit agencies. Also there is out dated information of my previous address names phone numbers, location and names that have never been used. Also there are alleged debts that are not mine at all. And they have not verified with written documentation of my legal signature of the debts. I need this to be resolved and they do nothing. And just by asking them to take care of this dose not resolve the problem. I need someone to follow up on all my credit reports to have them check from the consumer financial protection bureau that the dispute and complaint has been resolved. I have put in complaints here in the past and nothing has been resolved. Trusting that the credit agencies will do anything will produce nothing. There has to be enforcement and follow up. And if can not do this, then please tell me how to have this addressed. I will work with you in anything that you need. But there must be follow up on your agency to enforce what they have to do to resolve the issue. All I am asking is that you enforce and regulate these credit agencies as requested. But if you are not able to do this, then just please tell me where I am able to go to resolve this. Thank you very much.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I discovered multiple inaccurate accounts, inquires, and addresses reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not acted to remove the accounts/funds in question from my credit report. This has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. I am disputing the following accounts : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00XXXX XXXX Account # : XXXX Balance : {$31000.00}
Consumer complaint received 2023-11-17
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XXXX of XXXX. This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CA)

Please see attached correspondence showing what happened in relationship to my accounts due to deposit issue and duplicate payment error by mortgage company. 

I am schedule to travel next week for XXXX and now my funds are on hold. Please I have have consistent deposits for the last 2 yrs with Bmo. 

Please release my funds so I can take care of what I need to get done my credit has already dropped XXXX points due to mortgage payment being late and need resolved asap. 

It was out of my control with the deposit not being processed as I was told by my client company who was paying me.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

In the past five years, I have applied for a credit card from Citi Bank ( Citi Group ) three times. I have been denied each and every time for no reason. They have sent me a letter of denial with ambiguous response and violated my rights to a Fair and legal consumer trearment. My Credit score has been excellent throughout my life ( over 800 with all three major credit agencies ). They had even sent me a letter a couple of years ago with rude comments and accusations. 
I have currently have many credit cards from largest financial institutions and banks. 
It has bothered and puzzled me through last five years why Citi Group is treating me like a second class citizen and violating my consumer rights by denying me credit, while many other banks have offered me and are doing business with me! 

I can only conclude that Citi Bank is a racist entity and their decision of denial is based on my race and national origin. 

Bests Regards, XXXX XXXX XXXX Timber XXXX XXXX Loxahatchee, FL. XXXX XXXX
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I went to my local ATM at my bank to make a cash deposit on XX/XX/2018. The ATM was located at XXXX XXXX XXXX. in XXXX Texas at the BBVA Compass bank. The ATM number is XXXX. It was approximately XXXX CST. The deposit was for {$1100.00} in cash. I used my ATM card to deposit to my checking account and the first time it took the whole deposit and then spit back the {$1100.00} in bills but kept the {$65.00}. I assumed it was cause they were not able to be counted the first time and so I attempted to make the deposit of the {$1100.00} immediately thereafter. The ATM machine took a total of {$1100.00} and didn't give me a receipt showing the deposit. I immediately tried to get a statement to see if the deposit went through but just didn't provide a receipt. No deposit was showing on my account. I called the bank numbers and was NOT able to get a live person to let them know what occurred. I did reach out by XXXX and then called and spoke to a representative first thing Monday morning, XX/XX/XXXX. They stated they would begin an investigation. I was given a dispute reference number of XXXX. I never received a response and finally reached back out. They told me they dispute had been closed and they didn't find anything when speaking tot he bank or looking at the ATM machine. I spoke to another representative and asked for them to reopen the case. I was given another dispute reference number of XXXX. I was told at that time that they did in fact find {$65.00} in the ATM machine but didn't let me know about that cause I had made a claim for {$1100.00}. I then filed a complaint with the OCC and they indicated that I should contact the CFPB. I was contacted again today via XXXX by BBVA Compass and they indicated that they have found no evidence of the deposit in dispute.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paramount GR Holdings, LLC (CA)

I am writing to bring to your attention the unfortunate situation I have experienced with the solar installation project financed XXXX. My name is XXXX XXXX, and I am an individual who fell victim to a solar scam in XX/XX/2023. 
The incident involved XXXX companies, namely the door-to-door seller, who falsely claimed to be affiliated with DWP, the solar XXXX ( XXXX XXXX XXXX ), and the loan company ( XXXX ). After signing the documents with the salesperson, the solar XXXX installed panels on my roof. However, I later discovered that the XXXX had gone out of business, and the panels were not permitted nor functional, as the necessary permits had never been applied for. 
The salesperson, who turned out to be the main perpetrator of the scam, had no actual office location, making it impossible for me to locate them. I promptly contacted XXXX, requesting the removal of the non-functional panels from my property and the cancellation of my loan. Unfortunately, there was no response, leading me to close my bank account shared with XXXX and lock my credit. 
Despite my attempts to complain to various entities, including the Department XXXX XXXX XXXX and XXXX ( XXXX ), it took more than XXXX months for XXXX to respond. When they finally did, they suggested another XXXX to complete the installation, but this XXXX was unreachable and unresponsive. 
During this period, I refrained from making payments to XXXX due to the lack of cooperation and trust. After another complaint to XXXX, I requested permission to bring in my XXXX, as the one suggested by XXXX was non-responsive even after months. Only after XXXX started cooperating did I resume payments. However, despite explaining the circumstances multiple times, a one-time late payment was reported on my credit, significantly impacting my credit history. 
I acknowledge my commitment to making regular payments since XXXX began cooperating, and I currently do not owe any outstanding payments. However, the negative impact on my credit history caused by the one late payment report remains a significant concern. 
I kindly request that you investigate this matter promptly and request XXXX to remove the negative impact on my credit history. I believe that considering the circumstances and the XXXX months it took to finalize the solar panel installation, it is only fair to rectify this issue. 
Thank you for your attention to this matter.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (OH)

Loan was set up for 16 WEEKLY payments, and after these were paid the lender is still trying collect additional payments out of my bank account. When I called the lender 's customer service department, they said my loan was set up for 16 months. the loan amount {$2100.00} and the payments were to be {$190.00}, which after 16 weeks is XXXX repaid. That was the agreed amount.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
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)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX XXXXXXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IN)

I opened a US Bank business checking account online on XX/XX/23. The entire opening process was online. 

I was told I need to call in to close the account. 

US Bank should not make it more difficult to close an account than to open one. If they allow online account opening, they should allow online account closing.
Consumer complaint received 2023-06-23
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. (WA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete 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 XXXXXXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CO)

I purchased the home in XXXX. I am XXXX XXXX and set up my monthly allotment to pay for the mortgage with the information provided from Freedom mortgage. In XXXX, I received a letter stating I was going to default on my loan. I called them and was informed they had not received any payments. I then paid them {$7300.00} to get my loan caught up. I spoke with XXXX and they stated Freedom Mortgage never returned the payment to them, they had accepted and kept it. For the past 3 months I have tried to get a resolution with them. I have called frequently and get told various information. They received XXXX allotments from XXXX with each being {$3800.00} ( total of {$11000.00} ) on top of me having to pay out of my personal account. They continue to tell me they do not know where the money is and have yet to refund it to me. I really need to have my money back as they are basically stealing.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, 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. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL The following employers are on my report are not accurate or current : XXXX XXXX XXXX
Consumer complaint received 2017-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made Midland took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in Midlands favor based on the documentation the judge received from Midland , I never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent  to Midland, but  the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
Consumer complaint received 2017-05-02
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. (FL)

Equifax is refusing to remove  XXXX  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Equifax 's request and they have each individually confirmed my concern that Equifax is reporting someone else 's information on my credit. I am filing this complaint because Equifax is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX    with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Equifax and these companies and I feel stuck and do not know what else to do.