davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

CITIBANK, for more than 4 years I had both personal and company citi bank service, in XXXX, a payment of money was made to me which was deposited in my company account, the payment was rejected due to insufficient funds, and my accounts and all the services I had with Citibank were canceled. 

I understand that one must take care of who receives these payments, but the check received was from a client who had an account in the same bank, and was not in the country, no withdrawal of the funds was ever made nor did the account remain with a negative balance, owing money to the entity. resulting in the closure of all my accounts, and that of the client who made the payment to XXXX XX/XX/XXXX, I went to open a personal bank account in the same entity and the account was opened without any problem, the opening deposit was made, and after 3 days that account was closed without any explanation, without having taken any type of action that could affect the bank or my accounts. 

To the date after I managed to open the account with them I was notified that the accounts were closed and I could not reopen the account with them, without giving me any reason and without knowing why if I comply with all the legal requirements I can not make use of banking services.
Consumer complaint received 2016-06-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Richard Sokoloff, Attorney At Law (NY)

The office of Richard Sokloff sued me without the proper notification. I have n't lived at my old address since 2013. I have my new lease from my new place to prove this. Before they sued me a rep there threatens me that they were going to get a judgment although I was n't at judgment stage. ... They now have a judgment illegally.
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Recovery Solutions Group, LLC (TX)

A debt recovery company has been harassing my girlfriend, XXXX, for over two years. They harass her and have also called her friends and family, including me today. They say this is over XXXX account. She has never had XXXX account and she has contacted XXXX who says they have no record of her. She has checked her credit report which also shows nothing related to XXXX. The phone number calling her is ( XXXX ) XXXX. They have threatened to send the sheriff to her home. 

Today I got a call from ( XXXX ) XXXX. File XXXX. I told them to stop calling and she has never had a XXXX Account. He said they are going to sue. He said his company is " Recovery Solutions Group ''. This needs to stop NOW.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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. 

1.Account name : XXXX XXXX XXXX Account XXXX XXXX, 2.Account Name : XXXX Account # XXXX, 3Account Name : XXXX XXXX XXXX  Account # XXXX, 4Account Name : XXXX  Account number # XXXX, 5XXXX XXXX  XXXX XXXX Account NumberXXXX, 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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica ()

On XX/XX/2023 someone extracted in a ATM in XXXX FL {$100.00} and {$300.00} throug a fraudulent scheme. It was not me. I was in XXXX by that time. I called my bank ( ComericaBank, XXXX XXXX, TX ) on XX/XX/2023 and talked to Customet Service ( XXXX ) who transferred me to an " Specialist '' to file the formal complain. After a long time waiting, the specialist never answer the call and the call was cut off. Since then I have made many ( 5 or more, incluiding today ) very lenghty calls ( up to 1 hour or more ) to them ; but always, invariably, when a reach the point of reaching " the specialist '' the communication is cut off after few minutes : the Bank prevents me from filing a formal complain. What can I do?
Consumer complaint received 2023-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 26 : purpose.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

On XX/XX/2023, I was alerted to a collections account opened on my credit report by ProCollect Inc for {$340.00} owed to a company called XXXX XXXX XXXX XXXXXXXX, which is an apartment community in Arizona. I have never lived in Arizona or done any business with this company, and have zero affiliation to this apartment community. I do not owe this debt, and never received any communication from the apartment community or collection agency to inform me of a debt or seek to collect any funds. The first notification I received was simply an alert from my credit monitoring service that the collections account was opened. Also on XX/XX/2023, I immediately filed disputes with XXXX, XXXX, and XXXX indicating that this collection account was not mine. All three credit reporting agencies claimed to have verified the debt with ProCollect and closed the disputes. However, as this debit is not mine, I have no understanding of how it possibly could have been verified. I have no past history with this apartment community or any Arizona company for that matter, which can be verified by looking at my credit history and seeing no credit checks, leases, or reported addresses for this apartment community. There has been no attempt to contact me, but rather, just immediately putting this on my credit report, damaging my credit and reputation.
Consumer complaint received 2023-06-01
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. (NC)

The credit bureaus are not updating my accounts. The amount owed are incorrect and I have made my payments on time for the past two years but my score keeps decreasing. I have filed disputes with them even when my claims were in my favor they would take XXXX or XXXX points only to give me XXXX points back even though I proved it was incorrect on their behalf. I feel like I keep submitting the information to them and they are not investing. On XX/XX/XXXX I submitted a dispute and they say it was resolved the next day. I feel like when items are close to be remove they find incorrect information to make my score decrease. I just want my score to improve for me paying on time over years.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

In XX/XX/2022, I deposited a check for the amount of {$1300.00} and in XXXX I deposited another check for the amount of {$1300.00}. The same month, Citibank sent me a letter that the check for {$1300.00} was deposited twice, but they were two different checks. I went to the citibank office and after looking at the records they saw that it was a system error and that they were going to solve the problem with the two checks in 5 days, the 5 days passed and nothing after a week I called again and told them about the problem and they saw the record and that they were going to solve it in 15 days. The 15 days passed and I called again and another 15 days to date, they dont have returned the two check still waiting
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TX)

After opening an auto loan with Truist I received a promotion to open a banking account with them using promo code " XXXX '' and after two direct deposits within 90 days a {$300.00} incentive would be added to the account. The account was created, with the promotion website showing the enrollment date as XX/XX/2022, after which two direct deposits were made XX/XX/2022 and XX/XX/2022 before the 90 days since the enrollment date shown. However, on XX/XX/2022 I received an email notifying me that the promotion had not been met and I would not be awarded the incentive. I called the number provided, to which they could not provide me with any assistance nor insight as to why it was denied, instead they were directing me to a branch which is nearly 300 miles away. After that I received a contact form of which I provided information to and requested clarification, of which I received no reply. Today, I contacted customer service again, of which the first representative attempted to play XXXX about the offer details, at first continously misinterpreting the promotion, claiming different deposit amounts, then using a points system, then bring in the auto loan. After repeating the information five times, then he proceeded to content that only one deposit had been made despite my online banking showing all the deposits made. Finally, he then said the offer was qualified but could provide no proof or documentation, and that I would just have to wait 8 weeks to receive the incentive, but if I didn't I would need to call again and restart with customer service or I could visit the branch 300 miles away. After continously asking for documentation I was referred to a supervisor of which then I was informed that the enrollment date had been changed to be XX/XX/2022 and because of which my deposit on XX/XX/2022 conveniently did not qualify, but then she escalated for support but could not provide documentation because they did not have email. I have since tried a XXXX XXXX XXXX  complaint and attempted to contact the company through phone and email all of which have gone unanswered or not replied too.
Consumer complaint received 2024-03-29
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. (SC)

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Experian is at it again. 

Per the law covering credit freezes, Experian requires consumers to establish a free account for freezing and unfreezing your credit report. I have had this required free account for 3+ years for the sole purpose of freezing and unfreezing my Experian credit report. 

Today I logged in to check the status of my experian credit report ( frozen or unfrozen ). I couldn't find any obvious link, radio button or any other identifiable directions on their website to access my freeze status. 

" Freeze status '' or " freeze request '' is nowhere to be found on the homepage after you log in. 

The only link for anything related to freeze status on their website is the " protection '' header. When you click this header a new page loads, but still no readily identifiable link or info related to a " freeze ''. However the page cleverly shows a graphic/status of your credit file as " unlocked '', with an arrow indicating more info is available. 

When you click the " Unlocked '' icon a side panel pops out advertising their " CreditLock '' feature with a prominent " Get CreditLock '' button. This is of course their paid subscription service. 

FINALLY- IF YOU HAPPEN TO NOTICE THAT THE SIDE PANEL LOADS WITH ITS OWN SLIDER BAR FOR SCROLLING DOWN THE PAGE - AND YOU MUST SCROLL DOWN- YOU SEE A STILL DISGUISED HYPERLINK TO CHECK THE SECURITY FREEZE STATUS OF YOUR ACCOUNT. 

It's unbelievable and disappointing that in 2023 we have a credit bureau misdirecting consumers and literally hiding the security freeze option they are mandated to provide by law. CFPB do your job overseeing this rogue credit bureau!
Consumer complaint received 2023-06-01
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. (GA)

I have been on bankruptcy since XXXX and never was late with my payments. ANYBODY knows if you are late with payments the way they have it listed on my report my bankruptcy would be dismissed and the creditors would have reposed my car and my house would have been foreclosed. I paid my house off XX/XX/XXXX and now my car has one more payment which is due next month XX/XX/XXXX so that explains I was/still not or never late for any payments. You can not be late with payments. On XXXX, Experian and XXXX their dates are not the same as me being late. I don't know where and why they would think I would be late for bankruptcy. You can not be late for bankruptcy. I do not think the credit bureau even tried to fix the matter when I disputed. I filed the dispute XX/XX/XXXX. I received an email today XX/XX/XXXX it remains the same.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pa Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Regarding Wells Fargo, My Mortgage Provider Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo XXXX my mortgage provider, regarding their handling of my mortgage account. I am deeply concerned about their lack of transparency, communication, and potential mismanagement of my account following my exit from the XXXX forbearance program. 
On XX/XX/2023, I received a letter from Wells Fargo stating that, during a review of my account, they had identified potential errors in recording whether the contractual mortgage payment should have resumed after my exit from the XXXX forbearance. The letter further mentioned that they may not have provided me with the most suitable payment and term options. While they included a {$200.00} check as a gesture of goodwill, this amount does not adequately address the gravity of the situation and the potential financial consequences it may have for me.

Feeling concerned and confused, I immediately contacted Wells Fargo to seek clarification and further information. Unfortunately, the representative I spoke with was unable to provide me with any substantial information. Instead, I asked that she mail me an arbitration form, presumably as a means to resolve any disputes. However, to my dismay, I have yet to receive the arbitration form despite a significant amount of time having passed since our conversation. 
This series of events has left me deeply troubled and worried about Wells Fargo 's actions and intentions. Their failure to communicate effectively and in good faith, as well as their inability to address my concerns adequately, leads me to question their commitment to resolving this matter fairly and transparently. 
As a customer, I believe it is my right to be kept informed and receive timely and accurate information regarding my mortgage account. I also expect Wells Fargo to act in good faith, addressing any errors or inconsistencies promptly and providing suitable resolutions that align with my best interests. 
I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Wells Fargo to ensure that appropriate actions are taken. I also urge the Bureau to hold Wells Fargo accountable for their lack of transparency, poor communication, and potential mismanagement of my mortgage account. 
Enclosed with this letter, please find copies of the letter I received from Wells Fargo, as well as any other relevant documents that support my complaint. 
Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in ensuring fair treatment by Wells Fargo. 
Yours faithfully, XXXX XXXX
Consumer complaint received 2022-12-22
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. (MD)

Greetings, this is my follow-up request to assist me to dispute these remaining accounts : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Good Morning- I have left numerous of messages at the XXXX XXXX XXXX XXXX no return call back. 

Per XXXX central billing ONLY the actual Management office can fix this error. 

I originally made a payment on this account to avoid collections, when I received the email of confirmation I called immediately and advised this was not my XXXX XXXX. 
I also let them know I will not make the final payment until this is corrected from XXXX XXXX XXXX - to the correct XXXX XXXX XXXX - - - To be sure I am not paying the wrong acct. 
This is to avoid any issue later saying XXXX XXXX XXXX was never paid. 
A representative told me this would be corrected immediately and nothing further is needed from me. 

Then a few months later someone from Central Billing called and requested payment - again on XXXX XXXX XXXX I again explained this is not my XXXX and I would not make a payment until corrected. 

Now I am being sent to collections for this not being corrected and they are saying it can not be corrected unless Billing corrects it, then Billing is saying nothing can be corrected until the office Manager at XXXX XXXX XXXX. corrects it. 
I have been calling and no one ever answers the phone or returns my voicemails from the Management Office at XXXX. 

I have filed a complaint with the Better Business Bureau because I feel this is being unfairly reported on my CREDIT. I have done everything possible to get this paid but no one is accepting THEIR error. 
This is negligent and irresponsible of the XXXX XXXX and the XXXX XXXX XXXX. 

Someone please call me to correct this as soon as possible.