davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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. (DC)

Equifax allowed the private and personal information of 143 million Americans, myself included, to be compromised and used for illegal purposes. Equifax has not offered acceptable response or solutions to this immense national problem that they have caused. The FTC has not help protect the affected consumers. The FTC has not mandated action by Equifax ; has not punished Equifax, and has not required Equifax to pay restitution to the 143 million Americans. The FTC is broken and does not protect Americans from this sort of corruption. 

If the FTC will not protect us from unscrupulous corrupt companies, like Equifax, who will?
Consumer complaint received 2023-01-31
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. (GA)

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Equifax Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-07-02
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. (TX)

On XX/XX/XXXX XXXX, XXXX and transunion reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (AR)

On XX/XX/2024 I opened up a new account with Truist Bank online. The deposit amount was {$1800.00} drawn on another Truist account ( my mothers ). Upon depositing I received a welcome email and a note indicating that my funds would be available on XX/XX/XXXX. I also opened XXXX at that bank. On XX/XX/XXXX my funds were released and I made a XXXX transaction to pay for a portion of my rent. It was authorized. The next day it stated that there was suspicious activity with my XXXX transaction. I told Truist it was me. They placed a lock on my account the same day and have yet to release it. I have spoken to many supervisors and analysts who have yet to give me an answer or explanation as to why my funds havent been released. This is causing a very serious hardship on me and I need help.
Consumer complaint received 2022-05-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I have disputed this claim with CONVERGENT OUTSOURCING 3 times now. This is a fraudulent claim due to identity theft. I filed a police report. Ive never lived in a trailer park, lived in XXXX or surrounding area, nor setup service with XXXX XXXX at the address. I have been a victim of identity theft through a major data breach.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I submitted an ACH payment to Citizens One Consumer Loan Servicing/ Citizens Bank , ( mailing address - XXXX XXXX XXXX, XXXX , RI XXXX phone number XXXX XXXX XXXX ), with the wrong account number. The bank and I acknowledged this mistake and the bank sent me a letter which states that the bank has reversed my payment. 

As of this letter and today 's date the bank has not reversed my payment of {$400.00}, I double paid to avoid other problems with the account and the bank processed my payment. 

The bank has also not responded to my phone calls or complaint letters and is ignoring my letters.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (FL)

I have been unable to get the correct status of the total loss of the vehicle. Loss paid by insurance. Im still being billed. 
On XX/XX/year> I was informed tha total I have to pay was {$410.00}. I made that payment on XXXX. I need to get this off my credit.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Last year I noticed an account on my credit report that should not have been there from XXXX.I never received any bills in the mail that I owed them any money.I never received a phone call regarding an outstanding balance.The balance was just reporting on my credit report which violates the FCRA laws put in place by the FTC to protect consumers from frivolous debt.I contacted the company and they refused to update the information.I filed a dispute with Experian and experian responded back that the debt was validated yet refused to show me how it was validated and what information they relied on to validate the debt itself.This is in violation of the FCRA as well.Both Experian and XXXX are now making it impossible for me to get qualified for a mortgage as I was told by my mortgage counselor I would have to pay the erroneous debt.This is debt that I am not legally responsible for.I financed an insurance policy with XXXX and then decided to cancel after 6 months as I switched the vehicle to a commercial use vehicle and it required different insurance.XXXX received each monthly payment from me.At the time of the cancellation of the policy, XXXX failed to recalculate the interest that was charged to my account.This resulted in them showing I owed a balance.I am not responsible for interest charged but not used.I cancelled the policy before year end.When the policy started, I was charged interest for a FULL YEAR on the loan.I did not finance the policy for a whole year so I should not be responsible for the interest.Not only is XXXX and Experian ruining my credit, but they are also charging me for something I do not owe. That is THEFT and ILLEGAL.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (DE)

My bank card as well as my unlocked phone were both stolen. I noticed my card stolen on XX/XX/XXXX when I got a notification from my bank that my account was below XXXX. I called my bank to submit a claim because i did not make any payment transactions, i also wasnt notified that {$10000.00} was being put into my account. My account is now negative {$10000.00} it shows someone used my bank card at an ATM in XXXX, i do not live in XXXX, i never use my card at ATMs and I never put {$10000.00} in my account let alone have access to {$10000.00}. My bank never emailed me nor called me to authorize these purchases and when asked why wasnt i notified to authorize the charges they said thats a good question and denied my claim saying no fraud was detected. Im trying to figure out how no fraud was detected when I the holder of the account had their card and cellphone stolen at the time of the purchases.
Consumer complaint received 2022-11-26
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 account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that a consumer Reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I had a XXXX Citibank CD that held about {$41000.00} that matured on XX/XX/year>. Citibank had sent me correspondence saying that I had a XXXX grace period after the maturity date to decide what to do with the funds that had been held in the CD, after which point the funds would be rolled over into a new XXXX CD. According to this correspondence from Citi, the last day of the grace period was XX/XX/year>. On XX/XX/XXXX I made a partial withdrawal, then returned to Citibank at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/year> to move the remaining funds into a brokerage account, but the representative at Citibank told me that on XX/XX/year> the funds had already been locked into a new XXXX CD with a lower interest rate than the original CD that had matured. They said that my earlier withdrawal from the CD had triggered a rollover before the end of the promised grace period, and they had rolled the funds over without telling me they were doing so. Citibank refused to help me when I told them I had not agreed to have the funds rolled over and pointed out to them that I was still within the grace period. They charged me a $ XXXX penalty to take a withdrawal of {$1000.00} on XX/XX/XXXX, and they refused my request to release the remaining funds funds from the CD without paying a penalty of more than $ XXXX. 

I have now spent several days and many hours on the phone and in the branch arguing with them about this. Their argument was that the original terms stated that a partial withdrawal after the maturity date would trigger a rollover. My argument was and is that ( 1 ) their terms for the first CD do not apply to a rollover with a lower interest rate, particularly if I never agreed to the rollover ; ( 2 ) their correspondence about a 7 day grace period seemed like a revision of the original terms, and ( 3 ) I should have been advised that my funds were being rolled over at the time of the withdrawal and asked whether I agreed to this rollover.

Note that Citibanks site is currently malfunctioning, and because of this I can not access the notice they provided me that advised me that I had a 7 day grace period from April 19 to April 26 to decide to do what to do with the funds from the matured CD. I have tried to get a copy of this notice, but they are also being uncooperative about this. I am still following up and will add this notice to this complaint if Citi decides to cooperate or fix their site. A record of their site 's malfunctioning is attached with screen images.
Consumer complaint received 2023-02-17
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. (MA)

My name is XXXX XXXX I received my credit report information from experienwas breached Ive been trying to fix this situation out my own pocket since XX/XX/2021 {$830.00} credit repairs that have failed Im making official report Experian has failed to keep my information from getting breached and has effected my life tremendously financially.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

I thought I called chime by XXXX  chime online because I wanted to update my atm withdrawal amount and the person said he could help me but he scammed me out of XXXX Dollard and I debuted it with chime and they denied my request
Consumer complaint received 2024-04-27
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 (CA)

I made a purchase with a vendor i amount of XXXX, XXXX at a XXXX XXXX on XX/XX/XXXX. Less then 24 hrs later I tried to returned the product. Vendor said " No returns all sales final ''. This was not told to me nor was it posted for consumers to see. I contacted my credit card company XX/XX/XXXX and filed a complaint. Card company said sale was valid and sided with merchant. I live in California and merchant violated law. I sent disputes to card company 3 times and 2 times i got no response. Last contact from me was info of law that protects me and I also wrote statement for " claims and defense '' with signature required/ return reciept on XX/XX/XXXX. XXXX XXXX company never replied. This vendor has an alert and F rating and they have several company names. Credit card is now pursuing me thru XXXX party for payment. Also all credit cards I have issued from this bank they closed. My credit scord went from low XXXX to XXXX.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I contacted navient to inquire about payment options and try to set up a payment that reflected my income. Navient gave me no options at the time to adjust my payment options and rejected my request for forbearance. Then, all of a sudden, after struggling to pay the minimum amount due and falling further and further behind - Navient randomely sends me an email saying " reply yes to this email '' to opt into forbearance. So of course, thinking there still wasnt an option to adjust the payments based on income, i opt into forbearance. Again and again and again. Just pushing my total higher and higher. Navient purposefully evaded offering me alternative options and subsequently pushed towards forbearance all so they can make more profit. This is unacceptable. When i got my original loans through XXXX i didnt have a choice on loan servicer. Certainly didnt have a choice when they switched things up with Navient. These are forced on students at the federal level with federal funding. As a taxpayer i am outraged that i help fund the very institution that is blatantly taking advantage of me and evading my efforts to successfully pay off my loans.
Consumer complaint received 2023-01-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (TX)

Recently we applied for a Home Loan with Veterans United out of XXXX, MO. Upon initial conversation with their Loan Officer. He spoke to us in a very Disrespectful manner. We asked 1 of their Upper Executives for a New Loan Officer. She would not assign a new Loan Specialist for us. We also noticed that our W-2s had been Under Review for at least 2 weeks. We asked the same Upper Executive for answers as to why these things were happening and never got any follow-up from her on our questions. We also were informed that the Loan Amount on our Application was for a XXXX loan.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (TX)

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX for a camera system for my mother. Shortly after my mother passed away, I cancelled the service and paid the last bill on XX/XX/XXXX. Over the last XXXX months, I have been receiving text messages from Zion Debt Holdings ( I see now was opened XX/XX/XXXX ) stating I owe {$290.00} from XXXX XXXX XXXX XXXX They wanted me to provide proof of my last payment ( copy of paid bill ) from when I closed the account in good standing and I told them that is ridiculous, as I didn't have that information XXXX years later as it was a done deal. I asked for proof of this supposed bill, but they have not provided this. They keep harassing me for this money, and I think its a scam, which is what I told them. They have sent this collection information to the credit bureau, which is hurting my credit score. I have started a dispute with XXXX.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OH)

A checking account was opened fraudulently in my name on online banking service, Chime. I contacted the bank and they promptly suspended the account but they refused to disclose any unique details about the person or what personal information may have been compromised, which stymies my efforts to try to protect my data. I know that at a minimum my full name, email address and residential address were provided but I would like to know if my SSN, XXXX, Driver 's License or other credit information was also requested and provided. Chime refuses to divulge that information, which should be standard required information for account opening, and asked me to contact 'local law enforcement '.
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any ITEMS or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$45.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have two collections, from the same company, I have disputed them through the credit agencies but the companies keep saying that the debt is mine, but they have never sent me any notification or proof that it is mine. I asked them to delete it, but they refused. the company is called midland, and there are two collections, one for {$450.00} and another for {$2500.00}