davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The require the 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XX/XX/XXXX of this year, I signed up for a new checking account and a new savings account with Citizens Bank. The reason I signed up was because they were offering a {$600.00} new customer bonus. The conditions for this promotion were as follows : - To receive {$300.00} for the new checking account, I had to make XXXX direct deposit of $ XXXX within XXXX days of account opening ( which would be XX/XX/XXXX ). 
- To receive an additional {$300.00}, I had to open a new savings account on the same day as the checking account and make deposits that totaled {$500.00} each month for XXXX months after opening, and have a balance of {$1500.00} as of the end of XXXX. 

All conditions were met as they were originally written, save XXXX. My direct deposit of {$500.00} was made on XX/XX/XXXX, which was just after the 60 day window closed. I had been making deposits of {$250.00} bi-weekly, because I thought that the cumulative deposit was what mattered. When I noticed that it said a single deposit of {$500.00} instead of deposits totaling {$500.00}, I called the marketing and promotions people at Citizens bank on XXXX to inquire about how this would impact things. I spoke to XXXX from XXXX and he confirmed that Citizens was happy to grant a XXXX day extension to the XXXX day window ( where XXXX days was the longest extension they could permit ). This extended the deadline to XX/XX/XXXX for this deposit. At XXXX 's direction, I updated my direct deposit ( the next of which would get made on XX/XX/XXXX, which was within the new XX/XX/XXXX deadline ) so that a {$500.00} deposit would be made to my checking account. As a result of that phone call, I expected that I was on track to meet all requirements to earn this bonus. 

However, as of today ( XXXX ), the bonus for the new savings account is the only one I have received- the bonus for opening a new checking account has not been paid. I called the promotions and marketing folks today and was informed the payment for a new checking account was not made because my {$500.00} direct deposit had not been received within the XXXX day window. When I mentioned speaking with XXXX on XXXX about an exception, they acknowledged the phone call and that I had correctly identified the rep I had spoken with. However, they claimed that he could not have granted me an exception because " they don't do that ''. I asked to speak to a supervisor, and received the same information, only less politely because the supervisor I spoke to ( XXXX XXXX got frustrated and rudely ushered me off the phone.
Consumer complaint received 2023-01-02
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. (IL)

On XX/XX/2022 I sent a letter to Experian and XXXX asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXXXXXX XXXX XXXX XXXXXXXX or XXXX XXXX. I sent a letter to both the XXXX XXXX XXXX and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from Experian or XXXX. According to the FCRA all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from EXPERIAN AND XXXX reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of XXXX, inaccurate public information on my credit report. I was incarcerated the time this XXXX information was attached to my name. I have sent proof to both Experian and XXXX showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX XXXXXXXX # XXXX showing on Experian is not accurate and needs to be REMOVED asap for accuracy. XXXX XXXXXXXX # XXXX on XXXX is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.
Consumer complaint received 2023-07-12
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. (TX)

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 USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX CT TX XXXX XXXX Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number XXXX 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 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.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MA)

Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made   XXXX  2017   . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.
Consumer complaint received 2023-05-24
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. (GA)

You are in Direct Violation of The Fair Credit Reporting Act XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

I am writing to dispute the following information that appears on my all my credit reports from XX/XX/XXXX : XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX and a balance of {$360.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Experian consumer report for myself reflects the wrong social security number. NOT MY SOCIAL SECURITY NUMBER. Experian told me that in order to change my social security number to the correct social security number I have to contact XXXX XXXX XXXX who have already disputed the debt that they are saying is mine through Experian and through the consumer finance protection Bureau. It is not my debt. It is not my social security number. And Experian tells me that in order for them to change my social security number to reflect the correct identity of me I have to have XXXXXXXX XXXX XXXXXXXX correct my social security number they are allowing a third party debt collection agency govern if my social security number is correct. And it is not my debt so that they got the wrong social security number and Experian is reflecting that under my account onto my consumer report and it is affecting me severely
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (IL)

I have had a Gemini account for approximately 3 years, tried signing on last week and was unable to sign on and access account. After repeatedly trying to change password and then trying to contact their support O have not heard one thing from them and am no closer to accessing my account and money
Consumer complaint received 2023-05-24
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)

My name is XXXX 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 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union cashed a fraudulent cashier check for {$22000.00} using my account without any approval from My part. NFCU failed to stop the fraud, and failed to bring it to my attendance before casing the fraudulent cashier check.
Consumer complaint received 2023-05-24
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. (SC)

My name is XXXX 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.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/XXXX Huntington closed my account, said they wrote me a check for XXXX $ and send the balance XXXX $ to my XXXX  account. Unfortunately the XXXX $ sent to XXXX  was never credited to my account in XXXX. I need help with that.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX and experian are illegally reporting bankruptcy to my credit report. i have never lived at the address listed on the bankruptcy and the date listed on my credit report are wrong and should be deleted.After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you, XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have been with Bank Of America for OVER Twenty years. Both my husband and I have multiple accounts and a few years back, we received MULTIPLE OVER DRAFTS FEES and MULTIPLE TRANSFERS FEES for both large and small transactions that caused multiple overdraft fees for each transaction. This caused none payments for bills, distressed and most of all, disconnects of utilities & car payments. The fees were automatically intercepted whenever a deposit was made causing us NOT to have enough to pay bills or some times not purchasing food. I am demanding refunds for those ILLEGAL practices. We continuously have to close debit cards due to unauthorized purchases nearly every MONTH as recently as TODAY XX/XX/23!
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: PNC Bank N.A. (IL)

I have a credit card with PNC. I received an offer in the mail for a convenience check that was very attractive. I used the check for an amount that was less than the line of credit for that account. It turns out that the offer was for another PNC credit card that I had NOT ACTIVATED or used for many years and does not even appear under my name on the PNC credit card website with the PNC credit card I do use. The check I wrote exceeded the line of credit for that credit card and PNC did not pay the check. PNC knew or should have known that the offer it sent would lead me to believe it was for the one and only credit card that was active. This was a misleading and deceptive practice.
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. (OH)

I sent a copy of an FTC affidavit of identity theft and a police report to all   XXXX   bureaus. By law they must block the information from my credit reports. To date,  XXXX  complied but Equifax has only deleted on account not blocked the information they were required to and I can not tell on   XXXX   if it has been blocked or not.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2022 a check that we mailed to our contractor in the amount of {$5000.00} was cashed at an unknown bank. The person cashing our check was not our contractor. When realizing someone stole this check we filed a complaint with out local police department and with Huntington Bank ( local branch ). 
We were told it could take up to 90 days to be resolved. The local bank told the police department that they will take care of things internally and they should not have to be involved. 
It is now over 90 days and all the local branch has told us is that the check was cashed at a XXXX XXXXXXXX XXXX  not endorsed and for us to be patient and things are getting resolved. 

Case number with the bank is XXXXXXXX XXXX XXXX XXXX XXXXXXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX UNDER 15 U.S Code 1692G ( B ) I sent CAPITAL ONE FINANCIAL CORPORATION a VALIDATION OF DEBT FORM. I requested them in writing that they have 30 days from the receipt of the letter to send me the following information the name and address of the ORIGINAL CREDITOR, Documentation verifying the amount of debt including full detail breakdown of principal interest fees and other charges like the FINANCE CHARGE, PROOF that they are authorized to collect this debt on behalf the ORIGINAL CREDITOR and copies of any contract agreement related to the debt binding both parties. I requested the DEBT collector to CEASE COLLECTION of the debt and any CREDIT REPORTING TO THE BUREAUS or any dispute portion, until the DEBT collector obtains verification of the DEBT or a copy of judgment, or the name and address of the original creditor. I also ask for the response to be hand written back to me.
Consumer complaint received 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (VA)

I had a Covid forbearance loan modification with United Wholesale Mortgage. I missed payments from XX/XX/XXXX to XX/XX/XXXX. The amount owed on the XX/XX/XXXX statement says {$25000.00} is needed to bring my loan current. I was charged an additional {$12000.00} in interest and {$4600.00} in escrow. Ended up going from owing $ XXXX to {$44000.00}. UWM just gives me the run around. I was told today I could not speak with a XXXX. Been told numerous lies that mathematically make no sense. Per CARES act I should not have been charged additional fees.