davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (UT)

I opened my CITI Priority Savings and Checking accounts with {$700.00} bonus promotion on XX/XX/XXXX. I received an e-mail saying that CITI needs a copy of my utility bill and a copy of my social security card to verify my information, so I immediately faxed copies of my social security card and paystub to CITI on the same day ( XX/XX/XXXX ). One week later ( ~XX/XX/XXXX ) and two weeks later ( ~XX/XX/XXXX ), I called CITI customer service since there is no update. CITI customer service confirmed that they have received my documents via fax and told me that they will try to expedite the verification process so that I will be able to access to my account. 

On XX/XX/XXXX, I finally received an e-mail saying that CITI bank finally verified my information and will send me a debit card ( I did not have any access to my account since I have not received a debit card on my account ). At this point, because of CITI 's delay of verification process of my information, the {$700.00} bonus was voided because the promotion requires me to deposit {$50000.00} within 30 days of the opening of my accounts. I called CITI customer service about my concern, and CITI customer service told me to go ahead to deposit {$50000.00} into my accounts and call back to file a dispute on XX/XX/XXXX for investigation of the delay of verification process, and if CITI recognizes that the delay was caused by CITI 's fault, {$700.00} bonus will be paid to me. So, I deposited {$50000.00} into my Savings and Checking accounts immediately after receiving my debit card and left my money in my accounts untouched until today ( more than 120 days ). 

I called CITI customer service and explained my situation to file disputes on XX/XX/XXXX ( 1st dispute ) and XX/XX/XXXX ( 2nd dispute ). On XX/XX/XXXX and XX/XX/XXXX, I received letters saying " my account does not qualify for the promotion because the required amount of deposit was not made within the stated timeframe '' for the both disputes. I am hoping that I could have further help here.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I was denied credit by XXXX Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You
Consumer complaint received 2024-04-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

I have XXXX  Vanilla Visa gift cards that were declined while I was making a large purchase on Sunday, XX/XX/XXXX. 

I checked the balances today, and found that while they had balances, the cards were placed on hold and that I had to contact the XXXX number at Vanilla Visa immediately if I ever wanted to use them. 

In speaking with the customer service team at Vanilla Visa, I learned that the holds were placed on all of the cards on Monday, XX/XX/XXXX ( the business day after I attempted to use them ). I also learned that no one in the customer service team could tell me why the cards were on hold. They offered many unhelpful hypotheticals about how the cards were compromised- which was interesting because they only became that way the day after I attempted to use them. At no point in the past did I try to use them, prior to XX/XX/XXXX. At no point in my conversation with the rep or the manager did they state a concrete reason why the unregistered cards were " on hold ''. They said " might '' and " may '' and " could have been ''. They could not say what caused the holds. They also hung up on me, which was nice. 

I can think of a couple reasons why they would be on hold. First, every lost gift card and every disaffected and declined card holder equals more money for Vanilla Visa. The second is that they wanted my personal information. In order for me to use the " cash '' that was given to me, I would have needed to have XXXX new cards issued - and mailed to me at my address. I would also have had to agree to Vanilla Visa 's terms, including having my personal information sent to anyone who would give them money. 

I believe this to be a straightforward and illegal scam. In an effort to hold on to gift-givers ' money as well as procure gift-recipients ' personal information, Vanilla Visa ( and potentially the issuing banks : XXXX Bank and XXXX ) are using classic delay and hassle tactics to get what they want.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged {$30.00} for excessive withdrawal fee from my savings account by Bank of America. When I called the Customer Care Representative she told me that the charge will not be waved because Federal law authorize them to charge {$10.00} for any withdrawal above 6 times in a month. I was surprised because I called Bank of America Agent before the transfer and was told that it was my sixth transfer and that I will be charged if I transfer money more than six times from my Savings account in a month. I expected to be notified of any excessive withdrawal, but this was not done until the charge went up to three times generating {$30.00}. This is unfair. I need the {$30.00} refunded to my account.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Credit Card sends me emails at my email address in which I did not sign up for nor want my information on the internet due to much fraud going on. Accounts ending in XXXX & XXXX should be no more info or statements email with the accounts ending in XXXX XXXX. 
I receive my statements by mail
Consumer complaint received 2023-01-13
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. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-13
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)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Went to XXXX bank on XX/XX/2023 at about XXXX PM to close custodian account since I am now XXXX years of age. And was denied by the teller then spoke to XXXX XXXX at XXXX bank and was given a copy of a policy that only speaks about minors having to have the custodian with them. After speaking with XXXX XXXX and him making several phone calls. I was shown the same policy that strictly speaks of minors on accounts. And was denied access to my funds on my custodian CD. Also denied any account if. He only stated that he saw the account. 
Left a message for XXXX XXXX to contact me back.
Consumer complaint received 2020-06-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-13
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)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am currently on a 3 month forbearance plan with my lender. Despite this they have reported me negatively to the credit bureaus resulting in a 60 point drop in my score. I am not late, my mortgage has not changed at all and yet they are submitting false information and hurting us yet again.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. did not order an interior inspection of my property, unlike another account where an interior inspection was ordered, and denied my request. 



My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to Social Security Disability fixed income.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (TX)

I sent a XXXX XXXX money order for {$850.00} to XXXX XXXX Bank on XXXX XXXX, it was cashed on XX/XX/2022 and I called and recorder the conversation trying to resolve it. They asked me to send documents, after receiving the documents they still refuse to say they received them after they provided me with the wrong email address they had on file and apologized but didn't resolve it he issues.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX and XX/XX/2019 I submitted disputes with TransUnion and XXXX  for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX  is reporting a fraudulent XXXX account that is in violation also.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX FRANKLIN COLLECTION SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian i have had a XXXX card foe almost 19 years. i have a fico score of XXXX, i have a r car loans credit cards ect, i have no missed or late payments on my report. in the past i have had this same issue with Experian in the past. i get declined for a card that says they only check Experian and Experian has stated that i do not have enough credit history. recently i have attempted to reopen a XXXX card that i had with my place of employment that was closed do to the company no longer offering the option of XXXX. i was then contacted by XXXX saying i needed to open a XXXX acct to keep the card. i called XXXX to give them my personal costco acct number, they said they would have to rerun my credit and XXXX< Experian reports i have no to lil credit history and im declined!!!!!. i have no been on the phone trying to contact Experian for over 30 minutes and even on line. however Experian just wants me to join some sort of membership or pay them to " boost '' my credit to receive all the info that is out there ... what the XXXX is this???? i have to pay a credit reporting agency to report my true info??? 
please contact my to help me resolve this issue XXXX XXXX XXXX