davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX original Creditor XXXX XXXX XXXX XXXXXXXX, Original Creditor # XXXX, has violated my rights. 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 16688 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-19
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: GOLDMAN SACHS BANK USA (FL)

I placed an order with XXXX XXXX  on XX/XX/year>. The driver complained he couldn't find his way there and the order was NOT delivered. I contacted XXXX XXXX  to resolve the situation and they immediately offered to refund me in full. I checked in my account to verify the refund was being processed and saw that instead of refunding my card, they issued an XXXX XXXX  credit on my account which I did NOT want. 

I contacted them again and was chatting with someone speaking XXXX XXXX English  that I had to explain the situation to at least 5 or 6 times, they were supposed to issue a refund to my original form of payment, my Apple Card with Goldman Sachs. Instead this person RE-SUBMITTED a duplicate delivery order that I DID NOT ASK FOR and when I received a notification, I immediately contacted them yet again and told them I did not ask for this order to be re-sent out and the person asked, so should we cancel it? I said yes, I never asked for this order to be resent, it was supposed to be refunded to my card in full. Then I see that they have charged THE FULL ORDER AMOUNT as a " cancelation fee '' for an order that was supposed to be refunded and NOT re-submitted for delivery therefore wiping the credit incorrectly applied to my account and refusing to take responsibility for their errors. 

I have disputed this charge with Goldman Sachs continuously since XX/XX/year>. They have refused to honor this dispute and keep trying to say I was refunded already without looking at all of the facts and what transpired. I did NOT received ANY goods from this order. I am not going to pay for something I didn't receive, for an order that XXXX XXXX  already agreed to refund. They made 2 back to back errors resolving the situation as clearly indicated above. I want this case resolved, the credit of {$50.00} made permanent on my account and for this matter to be resolved once and for all. It is absolutely absurd I have had to continuously deal with this for a year and a half now! It's outrageous! My credit card company is supposed to protect me, and in this case they have been protecting the merchant that is liable for the errors in handling my order.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (CA)

approximately XXXX XXXX  worth of deposits not reflected in account and duplicate transaction for the amount of XXXX that left my account in the negative. Called XXXX times, waited a total of XXXX hours in total for XXXX  and XXXX  customer service agents who tried to XXXX  me about my issue
Consumer complaint received 2024-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

As a longtime Citibank credit card customer with a XXXX  over XXXX, i took them up on their offer for a 4.25 % savings account and transferred {$46000.00} on XXXX from my XXXX account. On XX/XX/XXXX, i tried to transfer XXXX for a large home improvement back to my XXXX account and had gotten a Account Blocked message for over a week on their self service portal as of XX/XX/XXXX. After talking to the agent on XX/XX/XXXX, learned it was a potential fraud block and would take 24 to 48 hours. Many days later on XX/XX/XXXX, i spoke to an agent and then a supervisor ( XXXX- who would not disclose her last name ) and they told me the only thing i can do is pay {$17.00} for a wire to get my own money because the free service online for up to $ XXXX was not working- she did confirm there was no longer a fraud flag on the account despite getting a " Account Blocked '' message when trying the transfer for the XXXX time. The supervisor would not waive the fee and said that was all they could do however they then passed me to technical assistance where someone verified my information and would put through the transfer and i should see it within the hour. On XX/XX/XXXX the funds still did not appear and the transaction is not even on the Citi account. Therefore on XX/XX/XXXX, i acknowledged the {$17.00} loss and transferred all of my money back to XXXX at a loss. This is not right, poor customer service, and failure to give me access to my own money after spending countless online attempts and multiple calls to Citi 's customer service line. 

Savings Acct # : XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX i was pre-approved by American Express XXXX XXXX XXXX American Express product card. XX/XX/2022 I received a letter from American Express Customer Care stating we regret we were unable to approve your application. After being pre-approved for XXXX XXXX XXXX XXXX American Express card on XX/XX/XXXX in the American Express portal. Ref : XXXX. I received a denial letter stating false information into why i was denied after they tapped into my open ended credit plan. This false and misleading actions and information has brought XXXX and XXXX  into my life. The reason for denial is undermining my confidence and taking advantage of me by misleading me to give them my social and denying me by discrimination. i have uploaded the letter that was sent out to American Express and their response did not have anything related to Ref : XXXX. Amex has completely ignored my affidavit that was sent out to them through certified mail regarding the false promotion, misrepresentation and defamation of character actions they have performed.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2017-04-11
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

We are selling my deceased mother 's home and are trying to pay off the balance. We have asked for final amounts. Some of the fees that are being included were hidden in balance amount without being disclosed ( {$750.00} appraisal fee ) and others are very vague/unnecessary ( Title report fees of {$320.00} ).
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

Monterey Financial is trying to collect a debt that does not belong to me, I have communicated to ask for a verification of the debt and they did not give me any original document that proves that I have a debt with them.The balance is $ XXXX.Additionally, I reiterate that Monterey Financial does not have a license to collect in the state of Florida.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX, I called XXXX XXXX Commenity bank to pay off account and close account and I asked for the full amount due. I paid the amount that was told to me and it should have been the end of it. I had not been late on any payments or delinquent. Then months later the company reported late charges and delinquency. I was furious as I had done my responsibility in paying this in full and had closed the account. As a result of this companys failure to keep proper records or inform me correct my credit report was inaccurate and negatively effected. I reached out to Commenity on 3 different occasions XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this corrected I was told they were fixing this and that it would take 5-10 days to close the acct and show a XXXX balance but I had previously closed the account in XXXX when I paid the balance in full. Commenity also told me they had no control over what was reported to my credit report and to contact XXXX which I have and filed a dispute. This is unfair business practice and I should not be penalized for this company inaccurate reporting. I want them to correct their error immediately and take responsibility for the mistake. I pay all of my bills on time and this is the only mark on my report since my bankruptcy and I have worked very hard to rebuild my good standing with the credit bureau.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants re cently started trying to collect a  XXXX  debt I do not owe and reporting to credit agencies. I had a  XXXX  account once in my life  fifteen  years ago in  XXXX  for four months while I lived in   XXXX   XXXX  ,  XXXX  for an internship in   XXXX   XXXX  . When I canceled my account, I returned all equipment to  XXXX . However, I received a bill for the cost of the equipment I returned. After literal hours and hours on the phone with customer service in  XXXX  of  XXXX , they located the returned equipment and marked the account as paid. I never received another bill.     In  XXXX , I noticed a different debt collector reporting a  XXXX  debt. I disputed the debt and it was removed from all  XXXX  credit reports. N ow, Diversified Consultants is  trying to collect this debt that I never owned and still reporting to credit bureaus despite my trying to dispute.     I do not owe this debt. Regardless, it is past statute of limitations to collect and is unreportable to credit agencies as any it would  be 15 years old. I do n ot have records due to the old age of the incorrect debt.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2023-01-09
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. (IL)

On XX/XX/XXXX, I opened a complaint with CFPB about Equifax reporting fraudulent accounts and fraudulent charges on my credit report and Equifax responded with the following information on XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX 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 EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com ''. 

I also received the dispute investigations by Equifax by mail, dated XX/XX/XXXX, which are attached, and clearly shows they did not do what they said they would do. They did remove XXXX and XXXXXXXX XXXX but did not remove XXXX XXXX XXXX and XXXX XXXX XXXX. They stated on the CFPB complaint the following about these XXXX accounts : " NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE ''. 

They claim that the XXXX XXXX XXXX and XXXX XXXX XXXX accounts are non reporting, but still are. So this was a lie by Equifax and both accounts are still being reported as of XX/XX/XXXX per my equifax credit report account.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NY)

I noticed a number of fraudulent inquiries on my XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and was informed that they were unable to remove the inquiries for me and that I should contact the ftc directly.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per USC 15 1692g.

Despite following the correct procedures and citing my rights under the USC 15 1692g, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

on XX/XX/2002 I sent a letter to XXXX, XXXX and Equifax advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have  ChevronTechron Advantage Gas  Credit Card. My payment was due on  XXXX   XXXX ,  XXXX , which was a Sunda y ( non-business day )  as well as   XXXX   XXXX   XXXX  , a recognized  US Holiday . I logged into my account today  XXXX   XXXX ,  XXXX  to make my payment as this is the first business day after my due date. My account showed that I had a late fee. I chatted with a Customer Representative who was able to waive the fee however, he argued that payments are due on the due date with no exceptions and there is no grace period. I recited Sectio n 106 ( a ) ( 2 ) of the Credit Card Act of 2009 which states, ( 2 ) WEEKEND OR HOLIDAY DUE DATES.If the  payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor  may  not treat a payment received on the next business day as late for any purpose. He again stated that payments are due on their due dates regardless. My fee was waived, however, I feel that  Sychrony Bank who issues and manages the Chevron Techron credit card should be reminded of the federal guidelines which they must adhere to. Especially because they are, in a sense, a reflection of the Chevron Techron bra nd.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

To whom it may concern, after receiving an alert from my consumer monitoring service, I contacted Annual Credit Report and got a copy of my consumer reports from XXXX, XXXX, and XXXX. As I checked my consumer reports, I noticed an alleged medical collection from XXXX XXXX XXXX whom I never received products nor services from. Not only is it a XXXX violation but XXXX XXXX XXXX is in violation of 42 U.S. Code 1320-6 Wrongful disclosure of Individually Identifiable Health Information and violation of 15 U.S. Code 1681 ( a ) ( 4 ) a consumers right to privacy. I contacted XXXX XXXX XXXX to dispute the alleged medical debt threw certified mail sent out XXXX2022 asking for verification of this alleged medical debt and never received anything back from XXXX XXXX XXXX. I now have an alleged medical collection on my consumer report that is ruining my reputation.
Consumer complaint received 2023-01-09
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. (IL)

On the date of XX/XX/2022, a purchase for a total of {$840.00} was made on the website XXXX. The merchant contacted me to let me know the item I purchased was out of stock but never provided a refund. After days of waiting, a case was filed on XX/XX/2022 with Citibank for no merchandise being received. Citibank investigated and claims that the merchant shipped out the merchandise however they can not provide proof that this is the case. No tracking number has been provided to me or Citibank. Now Citibank claims the can not investigate any further, even though I have sent proof of my order status never having been updated to shipped and order still being processed.