davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NV)

I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to XXXX XXXX in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency JEFFERSON CAPITAL SYSTEM opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than XXXX  XXXX which took first ownership of the collections account to begin with. I believe that I have no knowledge of JEFFERSON CAPITAL SYSTEM made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against JEFFERSON CAPITAL SYSTEM
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

Hello! On XXXX XX/XX/XXXX I opened a Citi savings account over the phone with a representative after the offer was targeted to me. During the next week I added a few external bank accounts to my Citi account so that I can fund my new account. These external accounts were at other banks and were my accounts under my name, under my social security number.. During the week of XX/XX/XXXX XXXX began adding money into my Citi account.. adding exactly XXXX XXXX with the goal of reaching XXXX XXXX to qualify for the promotion. On Thursday XX/XX/XXXX I go to log on but my online access was frozen.. forcing me to call into the bank to understand why. I learned that they shut down my account due to " fraudulent '' activity and recommended it for closure which has held my money hostage with the bank, not allowing access for myself. I've called many times attempting to get more information for the closure while offering to provide additional information in case an algorithm made a mistake. As an example I use a VPN on my computer and maybe this caused a problem. I've not been allowed to talk to anyone, provide more information, plead a case, or get my money back. There was no fraudulent activity.. I am a normal w2 employee who was transferring money from external accounts into a new account that I just opened on the phone with a Citi representative... and I still don't know why it was closed after many phone calls. My main concern is getting my fifteen thousand back to me which has been held hostage by Citi bank since XX/XX/XXXX with no end in site.. money that I may need due to normal life circumstances or money that could be collecting interest at another bank. Citi is holding my money interest free after pre-maturely ending the business relationship. If this is the case? Ok... so give the customer their money back then move on. My second concern is that they will report me for fraud which could effect me in the future whether it will be opening banks, credit cards, or applying for loans. I repeat that there was XXXX fraud.. I performed very normal bank activities that most people do on a daily basis so I was highly surprised that my account was locked after only a few days. I can provide accounts, routing numbers, prove of transactions.. anything but the bank will not allow me to do anything.. just wait for more researched to be done.. whatever that means. It is now XXXX XXXXThank you and I hope you can help me get this resolved.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX the account was open on XX/XX/XXXX current balance XXXX the account is close from a charge off and it is written off ( XXXX ) last it update is XX/XX/XXXX the account was sold to Resurgent Acquisitions LLC
Consumer complaint received 2024-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union withdrew {$3100.00} from my Savings Account to which I am not a joint account holder. Their reasoning was due to my spouse being on the account with my son, their policy is to take funds from any available account as stated in their member disclosures to satisfy payment to any account that has the name listed even if you are not a joint owner of the original account that owes money.
Consumer complaint received 2023-02-01
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. (TX)

This is the XXXX  time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : CXXXX 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 2023-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

the collection account is reporting an active payment history and there's no contract between myself & XXXX. XXXX nor Experian making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (AL)

I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.
Consumer complaint received 2023-02-01
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXF XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX XXXX
Consumer complaint received 2023-02-01
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX 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 2021-01-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

We started a re-finance of excising mortgage with Pennymac Loan, LLC, NMLS ID # XXXX ( XXXX ) at the end of XXXX. We comply with their entire request for documentations, income, and taxes, so on. They would not communicate with us for weeks, only after we questioned where they were in the process that the representative would tell us. Eventually an appraisal of our property was set for XX/XX/XXXX with XXXX XXXX XXXX XXXX out of XXXX MN. We pre-paid {$480.00} for the appraisal, including the credit background check {$26.00} handling fee {$3.00}. After we paid for the appraisal and the appeaser was at our home on XX/XX/XXXX, we did not get a copy as stated by law in a timely manner ( 3-4 days ) as per the Equal Credit Opportunity Act, or by Equal Housing Opportunity Act. It was not till I called them that an email was sent to us by Pennymac on XX/XX/XXXX. Pleasse notice that it was 15 days after the alotted time to send us a copy that Pennymac had sent an email to XXXX ( owner of home ) at his work ( business ) email. The email was to have had a link to open the supposed copy of the appraisal. This link was broken and did not work. I try to communicate this to the agent I had been working with to only find out he no longer worked with the company, and another person was to be asigned. So I, did not receive the appraisal copy that by law was to get. After several attempts to communicate by phone with Pennymac no copy was delivered. Eventually Pennymac would not communicate with me on a timely manner and the process with them to re-finance our home fell through by the end of XX/XX/XXXX. 
I still have not received the copy of the appraisal as by law I was to get. Several more calls to Pennymac with no progress were done, two of them this XXXX, XXXX. Results were after explaining the reason of not receiving the appraisal, the representative was hostile towards me, and my call was disconnected. Each time I try calling back on XX/XX/XXXX and getting a different representative, I had to explain all over again the reason of my call once the representative heard me, I was told they did ot have to talk to me and I was disconnected. I even tried to communicate by email with the person that did the appraisal, his response was that he can release it to us with Pennymac approval, but he did not request this of Pennymac even after we suggested he should. 
I believe Pennymac had violated the laws by failing to produce a copy of the paid appraisal on a timely manner. Even after we tryied to explain that we did not received one due to technica/ electronic problems, they did not US Postal Service us a copy. To date we do not know the results of the appraisal or the value of our home. I do believe the company tactics were to collect money for an appraisal and do nothing to refinance the home loan we applied for.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NJ)

This is part of Previous Complaint # XXXX. XXXX/XXXX has me to a 3RD Collection Agency. SouthWest Credit Systems of XXXX, Texas, as of XX/XX/XXXX. XXXX of XXXX IL, and XXXX XXXX of XXXX, Texas, have BOTH sent me letters stating they are Satisfied with my responses and will Cease further Collections. As of XX/XX/XXXX, my Credit Score went from XXXX, to XXXX. I spoke to XXXX of XXXX  at XXXX. She stated XXXX wants my COMPLETE Social Security #. My Attorney says NOT to give it to them. I have provided Copies of Old Drivers Licenses going back to XXXX. I also gave them a Copy of my XX/XX/XXXX XXXX XXXX ID. I have worked for theXX/XX/XXXX XXXX since XX/XX/XXXX. I mailed ALL the copies to XXXX XXXX XXXX, Fraud Dept. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, New Jersey, XXXX. This is has been following me since XX/XX/XXXX. This needs to STOP.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXPERIAN UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

THERE ARE NO VALID REASONS FOR THEM TO SEND ME A CREDIT CARD THEN TELL ME THEY NEED ADDTIONAL INFORMATION ON AN ACCOUNT THAT I HAVE MADE NO PURCHASES ON SINCE I HAVE RECEIVED IT THERE ARE NO FRAUD JUST THERE CONSISTENT EFFORTS TO MAKE MISTAKES REFERENCE CAPTIAL ON LETTER DATED XX/XX/2023 CALL THERE FRAUD DEPARTMENT AT XXXX ANYTIME SEVEN DAYS A WEEK
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (MD)

On XX/XX/2022 I filed a complaint stating that I received a credit card from Avant and the following day they reported it as fraud. During the investigation period and after I continued to make my monthly payments. On XX/XX/2022 I received a response from Avant stating that the investigation had been completed and that I would be able to use my card again. In XX/XX/2022 I attempted to purchase gas and the card was declined, I contacted Avant and was told that the card had been closed due to fraud. This account still shows open and active on my credit report. No payments that were made on this account was credited and I am unable to log in so that I can attach the payments history.
Consumer complaint received 2023-03-01
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I would like to confirm the payment history and status of the account : XXXX XXXXX Balance {$3400.00}. As I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation of this account and update for legal and lawful accuracy. Please investigate the way this account : XXXX XXXX XXXXX Balance {$410.00} ; reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Checked my credit report and XXXX XXXX XXXX has put XXXX tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a XXXX account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

On Monday, XX/XX/2020 at XXXX, I received a text message from American Express `` Serve '' Card advising that my account balance had fallen below {$10.00}. I had not used the card for a few days and was immediately concerned. I called Serve as soon as possible at XXXX that same evening. The representative I spoke with was dismissive and advised that there was a charge pending on my account for my entire account balance of {$100.00} to XXXX of XXXX, NJ. I advised the representative that I had not shopped at XXXX, never been to XXXX, NJ, and that the only card was safely in my possession Virginia with no others authorized to use it. He advised that because the transaction was in a pending status I was required to wait eight days, call back and only then would an investigation be opened. He refused to close the account or take any protective measures to ensure no additional charges would be forced through. 

On Monday, XX/XX/2020 at XXXX ( 8 days later ), I called Serve. The charge had posted and I was finally able to initiate a fraud investigation. I was advised by the representative that it could take between 10 and 30 days to complete. I was told not to call back to inquire, but instead wait for an email determination letter. This representative refused to close the account, but canceled the compromised card to prevent any further charges and issued another card. I advised the representative of the following to include in the fraud investigation : No one I know traveled to XXXX NJ and made purchases as at this XXXX store I have never been to XXXX, NJ or to this XXXX store I have not shopped inside of a XXXX store since XXXX of 2020 All of my approved orders with XXXX are made online and picked up at my local store All of my valid orders with XXXX are made with my business Visa credit card My XXXX  card is only used for fast food purchases, gas, etc. 

After receiving an email from XXXX  on Thursday, XX/XX/2020, advising me that my dispute for the charge in question ( {$100.00} ) was declined ; I contacted XXXX directly. The representative I spoke with reviewed my previous orders with me and was unable to locate any orders for the date or amount in question. She advised that the only way I could have made a purchase at this store is if it was shipped. There is no record of any shipments.
Consumer complaint received 2022-11-23
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 according with the Fair Credit Reporting act XXXX, Account name-XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (WA)

Respected sir or madam, my name is XXXX XXXX, living in XXXX XXXX XXXX  XXXX XXXX wa XXXX, we installed a air condition from XXXX XXXX  {$11000.00} and they are the one who help to get financed from service financial, they told us when we get paper work we have to pay {$11000.00} in 2 years with no interest, we sign document online the XXXX told us we don't have to pay interest in 2 years after the remaining balance left you start charging interest we agree, there are XXXX of documents we sign it, once I start payment everything was fine but when I realized they charge me 18 percent, I was surprised, I already pay more lot of money, i told them i am ready to pay off balance they increased with 18 percent interest which i refused to pay them, i call them i told them please reduced interest which they don't agree, its a hard time for me after covid please help me,
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is 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.