davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

I had 6 total account at citi bank checking/savings for both my XXXX XXXX and self. One of those accounts was hacked and we noticed someone was sending XXXX and XXXX XXXX  wires from his account. Taking money out his savings placing it in the checking and continue from there. We lock the card and accounts to stop the transactions, the bank supposedly open a case to investigate. Advice that we closed those account and open new ones to be able to transfer his money. We did all as advice. At that point I was locked out my online banking. I went back to the branch to get this fixed and this is where they told me they could no longer do bussiness with me do to a 2 checks deposit with no funds to the checking account we had already closed. Not only this didnt make any sense but they was now holding all my funds, and my XXXX XXXX accounts. But they was not even giving me the option to open a next account. I spend hours on the phone trying to get some answers, requesting call back from manager or supervisor that can explain the why I was being banned from the bank or who was I going to be able to get my funds ( 4days later now no call back ), went to the branch a few times they try calling on their end all they was getting is they was not to do business with me. I end up making an appt with the branch manager after explaining and the other clerks involved vouching for me she was able to release some of the funds but still her client service was telling them not to do business with me nor open new accounts nor anything. I keep calling no one on their customer service was understanding my point all they keep talking was about the checks I do not know where from, they not talking about day before this I had reported this fraud, nor they acknowledging I was the victim here and they was victimizing me even more by holding my money that was not even in the accounts with the issue. And that no one could help me or call me back to give me any answers. Attached are some of the emails we still gettign on an account thats been close still hackers accessing it and making transactions. And the ones we was noticing and the reason why we made the report on the first place and they still allowed this hackers to keep going in the account. How is that our fault as clients?
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-16
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I was notified by Midland Credit management of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. Midland Credit Management responded with account summaries and a letter from said original creditor XXXX. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I was overcharged by {$100.00} at XXXX XXXX XXXX on XX/XX/XXXX. I had been charged the annual fee for the card on XX/XX/XXXX. I did not want to pay the annual fee and intended to close the card, but could not because if/when the XXXX charge was reversed, the payment could not be paid to a closed card. I called to explain this to Citi Cards and they said that a card could not be closed that had an outstanding balance on it. By XXXX I had resolved the issue with XXXX and paid our outstanding balance to Citi. On XX/XX/XXXX, I called to called Citi to cancel the card and was told the annual fee would be prorated, and the late fees and interest fees that had accrued would stand. When I asked to speak to a manager, I was told one was not available but I would receive a call back. Upon being called back, I was told that no Citi employee would ever inform me that I could not close an account with an outstanding balance, and not only would the late fees and interest be charge, but the annual fee would be charged in full and not prorated at all.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

I was denied an extension of credit from Synchrony Financial/Amazon which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Consumer complaint received 2023-03-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (KS)

All State insurance agent created a mortgage and auto policy for me and my wife without our consent, signature or verbal approval. I have text conversation with this agent where I specifically request this person that we are NOT interested in buying his policy. They took out information on the pretext of giving us a competitive quote however despite our request to NOT create any policy for us they started a policy without our consent. The agent withdrew money from our escrow account to pay for mortgage and auto loans despite r being asked NOT to do so. When we reached out to dispute this with the XXXX agent, he refunded us the amount. However since then we have been receiving bills, calls, texts and emails from debt collection services to collect {$200.00} debt to XXXX XXXX. This XXXX agent must be audited and debt collection services should be able to dispute this with their clients. Instead, debt collection services is asking us details and a copy of our actual insurance policy!
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (CA)

I am a consumer by law and this is not sent in error. My private information that is protected by law is being used without my written consent. I am demanding compensatory damages for this violation.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 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 2019-11-28
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. (AZ)

I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

We contracted with XXXX XXXX XXXX for internet and cable services. After the contract was ended, I chose not to renew and contacted XXXX XXXX XXXX notifying them that I did not want to renew the account and to cancel the service. I was never sent a final bill and assumed the account was intact. I later received a call from Credence Resource Management stating an arrears of XXXX was due. I never received a bill and asked for proof of the charges. They repeatedly called threatening to run my credit if I did not pay them the XXXX. I am a war veteran with XXXX and XXXX frustration and threats are triggers. I sent Credence the money to end the threats and harassment. I applied for a loan to purchase a home and the XXXX was placed as still owed on my credit report. I want my money returned and my credit cleared. I do not owe this company one cent and felt their abuse of power has caused me XXXX in trying to clear up a matter that has been wrongly represented.
Consumer complaint received 2019-12-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (TX)

1 ) I APPLIED FOR A PRIVATE STUDENT LOAN AND APPROVED FOR A IN XXXX FOR {$7500.00}, AND XXXX FOR {$9500.00}, BOTH AT A VARIABLE RATE. AROUND XXXX, WE RECEIVED A STATEMENT STATING THAT THE ORIGINAL PRINCIPAL FOR LOAN # XXXX WAS {$11000.00}, AND XXXX {$8900.00}. CLEARLY THERE IS A DIFFERENCE. ( SEE ATTACHEMENTS ). 

2 ) AT THE TIME, I NOR MY MOTHER ( CO-SIGNER ) WERE AS KNOWLEDGEABLE ABOUT THE STUDENT LOAN PROCESS AS WE ARE NOW. AFTER DOING SOME RESEARCH I FOUND THAT I SHOULD HAVE BEEN GIVEN THE OPTION TO APPLY FOR A VARIABLE RATE, OR FIXED RATE. THE FIXED RATE WAS NEVER INITIATED DURING THE CONVERSATION. WELLS FARGO FAILED TO INFORM ME WHAT MY CHOICES WERE, WHICH WAS BENEFICIAL TO THEM, ALLOWING THEM TO MAKE A SUBSTANTIAL PROFIT FROM THESE LOANS. BOTH MY MOTHER AND I, HAVE BEEN MAKING PAYMENTS SINCE XXXX TIME FRAME UP TO XX/XX/XXXX. FROM MY CALCULATIONS, THOUSANDS OF DOLLARS HAVE BEEN PAID TOWARDS THE BALANCES. OVER AND ABOVE WHAT IS OWED WITH INTEREST. IT IS MY BELIEVE THAT WELLS FARGO ENGAGED IN UNETHICAL, AND FRAUDULENT BEHAVIOR IN AN ATTEMPT TO MAKE A PROFIT, WHICH THEY HAVE CERTAINLY DONE.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CO)

Waypoint Resource Group is showing as a " collection debt '' on my credit report, with the original creditor listed as " 11 XXXX XXXX ''. I have never held an account with XXXX XXXX. I disputed the reported collection debt, however for some reason it has been investigated and reported still as a valid debt. There is no contact information or account number to call and inquire about supposed debt.
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I received a letter from XXXX  saying my application for student loan debt relief was approved- but now I've gotten an email saying this was in error. My loan is managed by Mohela and is a US federal loan. I demand the lender honor the previous promise to approve my student loan debt relief - {$20000.00}.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-21
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

On XX/XX/XXXX I submitted a request to Rushmore Mortgage company to remove late payments that they had recorded and reported on my credit report during the year XXXX when my loan was transferred to them from another lender. My mortgage was being paid by the XXXX XXXX XXXX XXXX. Agency.  Payments were being paid electronically on time according to schedule. Somehow something went wrong with the way Rushmore was recording the data and it reported several late payments. The XXXX XXXX XXXX XXXX reached out to Rushmore several times in trying to rectify the problem but did not get any responses from them. When XXXX  did hear something after reporting Rushmore to the US Department of Treasury, Rushmore stated they were having staffing issues back then. Nevertheless, the reporting issue was never cleared up. I thought everything was good until recently I learned that those reporting errors was hurting my credit profile and ability to get fair credit. I then appeal to Rushmore to examine the records and remove the late payments recorded in error. Within approximately 24 to 36 hours I was told that the records were correct. I included the email dialogue I had with the XXXX representative attesting to the inaccuracy of the records as they were paying on time. 
I think Rushmore has been unfair in their investigation and that they should correct the records and remove those late payment recordings.
Consumer complaint received 2019-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Sterling Infosystems Inc. (NJ)

Ive been on at least eight jobs interviews that continues to background check me and lie to me about why they not hiring me and one is XXXX through this background check company called sterling talent solutions who Ive disputed the proper way in correcting what they thought might been or seen as a new XXXX and I have not committed a XXXX since XX/XX/2010 and I explain this to everyone and explain their dates and errors of judgment showing XXXX violations which is not a XXXX and shows 90 days XXXX XXXX a XXXX is over a year and they didnt hire me nor contact me back acts of discrimination against me cause Im on XXXX XXXX from a XXXX XXXX I was XXXX years old.this is blocking me from work anywhere they wont say it but thats what they see cause Im a civil rights activist and I know if you didnt commit a felony in the last 3 to 7 years you should be hired well Im not XXXX twice XXXX XXXX XXXX XXXX XXXX all these companies and I know XXXX has over 50,000 thousand workers with XXXX to judge me with fair chance or any equal opportunities.thank you please help me address this issue and fight back against it.