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

On XX/XX/XXXX - Equifax stated that there were 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax between mid-XX/XX/XXXXandXX/XX/XXXX.
Upon checking their site onXX/XX/XXXX - my information was shown to be one of those that were compromised.
Equifax wants me to waive all rights and sign up for their XXXX XXXX XXXX which not only will send me spam, but have a limited duration.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Received a robocall from " Citibank '' on XX/XX/21 at XXXX. The person I spoke with said they wanted permission to lower my interest rate and minimum payments, and that it would cover not only my XXXX card but all my credit cards. They said they issue the billing statements for the banks. I called Citibank and was told it was not true. The caller knew my name. I did not give out any other information but I did respond " yes '' to a number of questions. Please stop these people. I try not to answer any robocallsl but the bank name caught my attention since I have an account with Citibank.
Consumer complaint received 2023-06-03
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. (GA)

Theres an account for a company called XXXX XXXX, I have disputed it multiple times and they will not remove it. I have no idea who this company is and they keep adding remakes that do not make sense to me.
Consumer complaint received 2021-05-21
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. (CA)

I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on TransUnion and XXXX. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by credit shop if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via TransUnion, XXXX and XXXX shop but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

XXXX   XXXX   XXXX   XXXX   sold my account to LVNV FUNDING LLC who in return sold the account to Resurgent Capital I paid the debt in full ( receipt attached ) I requested with all companies to remove this reporting from my credit report and this has not been done   XXXX   XXXX   is still reporting it as transferred debt not as a debt paid in full i want this removed from all credit reporting agencies as this is paid in full! Balance as paid in  f  ul l  XXXX - XXXX -2016 I ha ve submitted request for removal and still no action was taken.
Consumer complaint received 2021-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have made  3 p ayments to the  Student Loan Servicer   Fedloans Servicing . I made a payment on  XXXX ,   XXXX   and  XXXX  electronically through my  Bill P ay on   XXXX  . The first and Third payments required me to contact them to locate the payment in some sort of file and have them apply it to my account. My account number is associated with this payment each and every time and the second payment I had no problems with. I 'd like to file this complain and have assistance in moving my loan to another service agency who knows how to handle electronic transactions.
Consumer complaint received 2023-08-08
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)

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.

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 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Claims To whom it may concern : Through this letter I request the resolution of fraud claim number XXXX. 
On XX/XX/XXXX, I received a text message on my phone asking me if I recognized some transactions. I answered " NO '' and I immediately called the phone number listed in the text message. 
While calling, I went to online banking and to my surprise I discovered many other consumptions. I started " dispute this transaction '' online in addition to the claim that had been opened by phone With the nerves of the moment, since it was more than {$2000.00} dollars, I made the mistake of disputing the XXXX  XXXX transaction. After reviewing the facts with my wife, we concluded that this transaction was made by my wife when she went to the park with my children and bought them sodas, but since we live in the city of XXXX, Fl and not in XXXX, FL, we think that it was part of the fraud Along with this letter I am attaching an email that XXXX sent me confirming that I did not make the consumptions that appear there. Of course I have an XXXX account and I use it frequently, but in my profile, as you can see, I also have my XXXX credit cards set. 

I definitely did not do the consumptions of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have doubts about some consumptions of XXXX and XXXX since in XXXX we only buy for very smaller amounts because it is expensive and in general we use the credit cards of XXXX, and the XXXX grocery of XX/XX/XXXX for {$270.00} that if it was buying online is part of the Fraud also because we NEVER buy online in supermarkets. You can easily check it by checking our history I have lived here in the XXXX for less than two years and it is the second time that I have to change the card due to this problem ... 

Please I want to solve this because it generates a lot of stress for me to enter my account and see a balance of {$2500.00} that is the product of a FRAUD and does not correspond to me Thank you in advance for the management
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with Experian and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re. Bank of America I am a B of A client for over 25 yrs. 
I will bullet point the issue so that it wont be a long email : - I needed to wire {$60000.00} for a deposit on a home. 
- The wire of {$60000.00} was to go to a bank in NY XXXX XXXX XXXX XXXX XXXX XXXX. 
- I called B of A and set up the account WITH a rep from the wire dept because when adding a recipient there are not enough fields to enter additional info such as final beneficiary etc. 
- The rep suggested I did the 3 day process instead of same day. At this point I had time so I agreed. 
- It turns out that 3 days = ACH NOT wire - XXXX XXXX XXXX was not set up for ACH only wire so they did not accept it but it has not been returned. 
- I called XXXX XXXX XXXX XXXX and they were helpful, I have an actual reps first and last name, XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX He said he needed B of A to send a Letter of indemnity or to call him and give him the additional info. 
- I asked B of A to fax this person and they said they could not. 
- I called B of A yesterday starting at XXXX and was disconnected, hung up on, one operator said let me transfer you to the wire dept and I had called directly to the wire dept. 
I was told they can not fax, they can not email, they can not call. 
- I asked if I could call XXXX XXXX XXXX on the other line and patch them in and they said no and hung up. 
- I put in a complaint to recall my {$60000.00} and B of A said it could take up to 90 days! 
WE COULD LOSE THE HOUSE! ITHIS DEPOSIT IS DUE NEXT MONDAY. 
One manager said, we send the request to XXXX XXXX XXXX but some banks dont even check their emails so it could be longer! 
- I have been calling every day since XX/XX/21 I am out {$60000.00}!!!! They said it can take more than 90 days to resolve. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and TransUnion. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC (CA)

I purchased a used XXXX XXXX XXXX from a used car dealer XXXX XXXX XXXX XXXX XXXX CA 0n XXXX XXXX XXXX and it was financed by Westlake Financial Services.  I added Gap insurance to my account with Westlake at a cost of $ XXXX per month.  The contract was for 72 months and Westlake added the "Gap"  charge to my account balance for the entire contract period at a total of over $XXXX.  I paid the entire contract off on XXXX XXXX XXXX which included the entire cost of the  "Gap" insurance.  Today, XXXX XXXX I requested from Westlake a refund on the advance payment of the insurance which was 70 months at $XXXX per month which totaled $XXXX.   I do not need Gap" insurance if I do not owe anything on the  car to Westlake.  My request for the amount of the overpayment to be refunded was $XXXX.  

The company:   Westlake Financial Services
                          XXXX XXXX XXXX XXXX XXXX, CA XXXX                            Phone:  (XXXX) XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (WI)

I have sent in my identity theft packet, police reports and emailed a copy of my ID go the email they provided in their last response. Ive gotten no response to my email, they have everything they require, they are not removing this collection. I have been talking with my business attorney and this is my last chance to them.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
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: BTH Management (FL)

XX/XX/XXXX started repayment plan with plaza services initiated by XXXX XXXX XXXX XXXX 1 year payment plan paid of in XXXX following year. Plaza took 2 payments in XX/XX/XXXX. Have never received title have contacted numerous times no answer on phone or by Email. XXXX original loan company says they washed hands of the loan when sold to Plaza. Original problem started with XXXX because never received title to put Motorcycle on road in MD. spoke with multiple times was told would get after a year got fed up told them would stop paying on and put money into Escrow until received title. So they put Bike up for Repo then Spoke with Repo company whom assured me I would get title once paid of. If I took payment plan from Plaza Services LLC. so did that. When I go onto there website it shows I owe XXXX which I have no problem paying as long as I get my title. Have tried contacting customer Multiple times no response with Email or Phone.
Consumer complaint received 2017-05-13
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. (MO)

I am filing this complaint against  XXXX  I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Consumer complaint received 2021-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent BANK OF AMERICA # XXXX BANK OF AMERICA XXXX XXXX XXXX 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 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc. (IN)

Ever since XXXX XXXX, 2021, when I opened my support ticket, I've been unable to access the money in my Binance.Us wallet. 
Even after being " escalated '', customer support didnt even know what my issue was, and provides the same " we'll be in touch through email '' responses. 

Dozens of tweets and emails and there's been very little progress in the past 3 MONTHS without access to my funds. ( XXXX XXXX ) This is my last chance at getting help as I don't know who else to contact. If@Binance.US isn't pulling isn't results, they also go by BAM Trading Services Inc . 

Thank you.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$9500.00} - XXXXXXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (LA)

This is a compliant against XXXX XXXX XXXX and Santander Consumer Usa Inc. These two companies have violated USC codes against me and I am submitting a counter claim. They have violated servers codes during my consumer credit transaction of an XXXX XXXX XXXX, on XX/XX/XXXX. They have committed identity fraud and the illegally disclosing of any personal data I order to communicate that I allegedly owe them a debt, I demand an investigation of the codes that these two companies have violated which are 1. ) 15 USC 1692 e ( 2 ) a 2. ) 15 USC 1692 f ( 1 ) 3. ) 15 USC 1692 d ( 1 ) ( 2 ) 4. ) 15 USC 1692 b ( 5 ) 5. ) 15 USC 1615 a ( 1 ) I will provide proof with the documents herein starting with the Certificate of Service. I am also ordering to be paid for what is owed for each violation, I also demand to be paid by check to the listed address. 

Best Regards,
Consumer complaint received 2021-08-26
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: ERC (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

I'm a Citi bank credit card holder for many years. On XX/XX/2021, I received the invitation to apply for the Citi gold checking account through Citi bank online banking. Since I just sold my house, so I decided to open the Citi gold and deposit XXXX. 
I received the debit card after a week, I went to a Citi bank branch to make a deposit. The teller told me my account was closed and I would receive a letter later. 
I finally got the letter today, the only thing mentioned in the letter is : Based on your previous Citibank application/or Citibank account activity, we are unable to approve any current or future applications. I call the number on the letter since I want to figure out what is my previous activity lead to the close of my account. I call the New Account Serving, they transferred me to the fraud department, and the fraud department transferred me to another department. I spent one hour and I had been transferred 4 times. Nobody would like to help me out. I'm so disappointed with Citi Bank Customer Service. 
I have 5 Citi bank credit cards for many years, and they sent me the invitation to apply the Citi gold checking through my online bank, the turnout is they shut down the new checking account for no reason.
Consumer complaint received 2021-05-21
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. (FL)

I sent certified letters to XXXX Experian and XXXX  on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3.XXXX  XXXX XXXX- {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and XXXX yet still remains on my Experian. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX AND XX/XX/XXXX