davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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. (KY)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXXXXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX AV XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA.
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (FL)

XXXX I ASKED THAT THE CALLS CEASE BECAUSE IT WAS IN VIOLATION OF RIGHTS, I ALSO ASKED THAT PROOF OF CONTRACT AND OR VALIDATION OF DEBT TO BE SENT OUT TO ME AND I HAVE CALLED THEM AS WELL FOR YHE INFORMATION ITS BEEN OVER XX/XX/60 DAYS NO REPONSE BUT CALLS MADE OUT TO ME.
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

My XXXX Credit report showed a debt that was sent to collections. The name of the collection agency was Sequium Asset Solution. Their information from the report is : Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Amount Owed : {$130.00} The original creditor is stated to be XXXX XXXX. I called XXXX XXXX XXXX and went into their store and even with my social security number they were not able to pull up any accounts.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AE)

During XXXX XXXX XXXXXXXX, Navy federal agreed to enroll me in their hardship program during covid. I was accepted into the program and the company reported my payments as late which is now affecting my credit score. I have reached out to the company asking to remove the late payments as it is a violation of the CARS ACT. The company refuse and states the information is accurate. I have been with the company for 13 years and never had a late payment. This is unacceptable and a complete violation of my rights.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to dispute and address concerns regarding the way the American Express Platinum Card ( ending in XXXX ), for which I am an authorized user, is being reported on my credit reports. Additionally, I kindly request that my authorized user status and membership start date be accurately reflected, as these details are vital for maintaining an accurate credit history. 


As an authorized user on the shared Platinum Card with my wife as the primary cardholder and my daughter also being an authorized user, it's crucial that the credit reporting accurately represents my association with this card. I highly value the unique feature of the Platinum Card- the absence of a traditional pre-set spending limit. This aspect offers unparalleled flexibility, making it essential that the credit reporting accurately reflects this for both primary cardholders and authorized users. I kindly request that the reporting clearly communicates that this card operates without a predetermined credit limit, as it's one of the standout benefits of the Platinum Card. Presently, my utilization appears inaccurate and incorrect. 


Furthermore, I've noticed that the recorded membership start date for my authorized user status isn't precise in my credit history. An accurate representation of when I became a member is essential for a detailed portrayal of my credit journey. I respectfully request that you verify and rectify this date to show a more accurate depiction of my credit history. 


While I understand that errors can sometimes occur, I want to emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA mandates that credit reporting agencies and creditors, such as American Express, handle disputes with precision and impartiality. I kindly request that this dispute be managed fully in line with the FCRA, with any necessary corrections made within the stipulated time frame. 

I request that my credit report be updated to all credit reporting agencies. 

Thank you for your time and attention in addressing my concerns. I genuinely value my relationship with American Express and believe that through collaboration, we can successfully rectify these matters. The goal is an accurate and equitable representation of my credit history in connection with the distinctive features of the Platinum Card.
Consumer complaint received 2023-02-03
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. (NC)

On XX/XX/XXXX, I reached out to the original creditors XXXX XXXX and XXXX XXXX to verify that I did not have any unpaid balances. They both verified that I did not have any outstanding balances that were reported to XXXX XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX and let them know that they reported 13 charges to my credit report that do not belong to me. I explained to them that these charges belonged to my twin brother who passed away on XX/XX/XXXX. They verified my social security number and realized that the social security number on file did not belong to me. Even after being aware of this information XXXX XXXX XXXX still continued to report charges from my twin brother on my credit report. I filed a dispute with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of the items have been removed from my credit report except for the charges of {$420.00} and {$2000.00}. Since then, they have removed the charge for {$2000.00} but the {$420.00} still remains as a negative item on my credit report even though Experian has closed this dispute. Experian has allowed XXXX XXXX XXXX to report inaccurate information on my credit report. By not removing these items from my credit report, I feel that Experian is deeming these charges valid and will not be removing them from my credit report as previously demanded on several occasions. These are not my charges and I have tried to dispute again however Experian will not allow this. Before these items were falsely reported to my credit report, my XXXX XXXX was XXXX. My XXXX XXXX decreased by over XXXX points. This has negatively affected my credit score which in return can cause me to have to pay higher interest or even be denied for a loan.
Consumer complaint received 2021-03-17
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

On XXXX Chime ( aka XXXXXXXX XXXX ) abruptly closed my checking and savings account without my knowledge or consent. I can not access {$10000.00} currently in my account. I called them immediately asking why the account had been closed and asked if there was hacking or fraud. They told me it looked like it was closed due to a policy violation but would not tell me what policy or what was violated. They also said they could not actually tell why because the account was closed. They refused to let me speak to anyone who could help and insisted I submit copious amounts of documentation before they would look into it. I have submitted and resubmitted yesterday and today ( drivers license, both sides; signed social security card ; zoomed in selfie holding drivers license with a paper that includes my name and the date ; a written explanation of the most recent transfer ; bank statements from the account I transferred ; pdfs of the transfer from the sending bank ) and have gotten no response as to the status or when my account will be reinstated. I have sent multiple follow ups and keep getting the same form letter response from a different person asking me to submit what I have already submitted. I feel as though they are stonewalling me to hold onto my money. They do not care for their customers or the stress and anxiety caused with their lack of response, action, support, or caring. They are currently stealing my money. I need help getting access to my account so that I can transfer my funds immediately out to a bank that will not steal your money, and then I will close the Chime account on my own accord as they can not be trusted and do not have their customers best interests as a priority.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Keeping payments on this account consistently timely has been a priority for me, ensuring they are never overdue. I'm unclear about the basis for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections are necessary.
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX  remove the late strike on my credit report, and they refused. I filed disputes with Experian, XXXX, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Consumer complaint received 2023-02-04
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. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-02-04
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. (MD)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

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
Consumer complaint received 2023-02-10
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. (SC)

I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I used Capital One 's mobile deposit app to deposit a check on XX/XX/XXXX from XXXX XXXX XXXX. XX/XX/XXXX I received an email from Capital One that it was successful and the funds appeared in my account. I went to XXXX for a month to work. I returned on XX/XX/XXXX and happened to check my account and noticed the {$850.00} check from XXXX XXXX had been reversed. I did not notice any notification from Capital One that this had happened. I called to inquire why it was reversed and why I had not been notified that {$850.00} had been taken out of my account. They said I " should have received an email '' and I asked them to forward said email and they didn't have one. They said there was something wrong with the check and I'd have to contact XXXX XXXX. I asked why it said it was successful when there was something wrong with the check and they said they didn't know. I contacted XXXX XXXX who said they didn't have a phone number for this and I would have to send a message through their portal which I did. I heard nothing back, I contacted them XX/XX/XXXX to follow up and they said nobody had looked at it yet and they would expedite it. XX/XX/XXXX I still have not heard from them. I contacted Capital one XXXX times about this matter because I kept being told somebody would follow up and nobody ever did. Today XX/XX/XXXX was the last time contacting Capital one and he also couldnt " tell me why the check was reversed or why I hadn't been contacted, he just said he would create a case on it. Please help me get my {$850.00} back, I feel like Capital One has unfairly taken it out of my account and I will be closing said account this week.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (RI)

I had auto payment with my mortgage company Mister Cooper turned on in XXXX to pay off any balance on my account for the property XXXX XXXX XXXX XXXX. The auto payment did not charge the amount that was in my balance and therefore I was charged with making a late payment. When signing up for the autopayment, it says I authorize Mister Cooper to charge the balance on the account to my checking account, so I am not understanding why the software did not charge the whole amount. 

The over 30 days late charge has been marked on my credit report for XX/XX/2021. The auto payment was turned on XX/XX/2021, so that the balance would be paid and there would be no late charges. For some reason, the software only charged 1 month instead of the whole balance, causing the balance to be held over.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NC)

I am writing to submit a complaint against Citi Bank, detailing a series of issues that have arisen since I opened my checking account. Despite my persistent efforts to resolve these matters, I have encountered unresponsiveness and unprofessional behavior from various bank support teams. Below is a comprehensive breakdown of the events : Debit Card and PIN Issue : Upon receiving my debit card, I noticed that the accompanying PIN was missing, rendering the card inoperative. I've reached out to several departments within Citibank, but none have managed to resolve this issue. 

Contact with Online Support : While attempting to resolve this matter online, I waited XXXX to XXXX minutes for the agent to send a verification code, only to be logged out due to inactivity. Subsequently, the support team failed to follow up. 

Contact with Executive Response Team ( Case # XXXX ) : An analyst suggested ordering a new PIN and debit card, promising delivery by XX/XX/XXXX. Regrettably, the items never arrived, and the agent closed the case at the end of the initial call without waiting for confirmation of receipt, leaving the problem unresolved. 

Contact with Executive Response Team ( Case # XXXX ) : In a similar vein, an analyst proposed a solution involving a new PIN set to arrive by XX/XX/XXXX. The PIN never arrived, and the case was abruptly closed at the end of the initial call. Compounding my frustration, the agent unjustly blamed me for following up and arrogantly insisted that I should contact regular customer support because he had ordered me to do so. This directive was all the more unreasonable given that he himself was unable to locate the PIN. 

Video Appointment with XXXX, XXXX Area Banker ( Banker name : XXXXXXXX XXXX ) : I scheduled a video appointment with a local Citi banker, but the banker failed to appear, intensifying my concerns. 

Additional Concern - Floating Debit Card : The executive response unit issued a request for a duplicate debit card, yet no one within the unit seems aware of its whereabouts. This lapse has created a perilous situation where an active debit card is unaccounted for, significantly jeopardizing the security of my account. 

In light of these continual failures, my concern for my account 's safety has grown, compounded by the disheartening lack of support from Citi Bank. I earnestly request the CFPB to investigate these matters and work towards an expedient resolution. The uncertainty surrounding the location of my debit card and PIN, neither of which are in my possession, leaves me fearful that my account may be compromised if they fall into the wrong hands. 

Thank you for your immediate attention to this serious matter.