davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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)

This is my XXXX 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AZ)

I am a victim of identity theft and someone applied and opened a fraudulent Citibank credit card account in my name. The account is fraudulent and is not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, jail, prison, XXXX XXXX XXXX from Citibank Debt Collection Representatives which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am a victim of identity theft and someone opened a fraudulent credit card account with Navy Federal Credit Union. I did not apply for any credit card account with Navy Federal Credit Union. The account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, legal action, arrest, job loss, garnishment of wages, jail, prison, XXXX and XXXX XXXX from Navy Federal Credit Union Debt Collection Representatives which is frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Consumer complaint received 2022-07-27
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX  ACCNT # XXXX 30 days late in XXXX XXXX 60 days in XXXX XXXX 90 days in XXXX XXXX 120 days in XXXX XXXX 150 days in XXXX XXXX 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (IL)

In early XXXX Old National Bank merged with First Midwest Bank. For three weeks I have not been able to access my account online. I have been on hold for almost and hour. When I go to the branch in XXXX, Illinois the lines are long and the wait times are longer. I have requested my login information 4 times with no response. Its apparent that Old National did not plan, prepare or execute this merger well. I am unable to use XXXX and I am not sure I am receiving ACH payments as I have not received a statement since the merger.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking XXXX to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if XXXX can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-13
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. (TN)

Collection Account : ( Original Creditor : ) Account No. XXXX Balance : {$150.00} and {$430.00} This is a formal complaint against Equifax XXXX The name of the furnisher is not reported correctly. I have disputed this account with the credit bureaus for the 6th time or more and this has been deleted by the other credit bureaus. How is this still reported in Equifax when the other two bureaus have removed this from my credit report? 

The collector changed their company name to XXXX  ( XXXX XXXX ), which used to be XXXX  XXXX. These changes on their company 's profile have made a negative impact on my credit report because it resulted to the account being re-aged and that is not fair credit reporting.
Consumer complaint received 2020-02-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu/ XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for Explain and show me how they calculated what they said I owe Provide me with copies of any papers that show I agreed to pay what they say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you they are licensed to collect in my state Provide me with their license numbers and Registered Agent or Agent of Service At this time, I also informed XXXX that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX  , XXXX  or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character XXXX provided the following documentation A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them. 

Since reaching out to XXXX, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. 

The information provided by Dept of Edu / XXXX includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ XXXX has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX , XXXX  and TransUnion } should be sent to me immediately. I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Total Card, Inc. (TN)

I applied for an unsecured Visa credit card through Total issued by the XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. I was approved for the credit card on XX/XX/2019 and asked to pay a {$89.00} program fee. I paid the program fee, and upon completion of the fee processing my account would be opened for use. Since paying my program fee, I have called to check the status of my account and the automated message tells me " that my program fee has been paid and my account should be open within the next 60 minutes. Four weeks later I'm still getting the same automated message. I have a card that's useless and I have a program fee that is potentially lost. I am unable to get a live person on the phone or even live chat with anyone through their website. The website does have a support email contact. I've sent several emails to the support contact address and no one has responded.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NH)

In the first week of XXXX, I opened up a Venmo account for my business, and I allowed customers to pay for their services through the app. On XX/XX/XXXX a customer added a dollar just to confirm that the Venmo was active and that went through so I assumed that it would be OK. On XXXX XXXX I had another customer pay For services rendered, {$700.00} that day I tried to add my bank account to their system, and it wouldnt allow the bank to upload. I tried multiple times I gave all my personal information for my company along with my personal information card information for verification. I called Venmo the following day trying to figure out if there was a way that we can add to the system bank information manually so that I can get the account unlocked because at that point they had locked my account. This went on for a couple days, still nothing resolved and continuing to go back-and-forth with them. I had already given my next two clients my Venmo info so that they can forward me payments for services that were going to happen on XX/XX/year> {$990.00} and XXXX {$75.00} The clients paid for their services those XXXX days and I could see that the money physically came into the account, but Im still not physically able to take the money out, while talking to Venmo after that, tell me that I needed to give proof of ownership and bank account. I supplied them with Bank statements, Member IDs proof of ownership of the business, certified letter from the, and they still wouldnt add the bank account to, the Venmo account because they say that there was suspicious activity going on in the account. Im still going back-and-forth with them till this day. It is now XX/XX/XXXX of 2024 so just about a month. Their customer service refuses to help they tell you to contact accounting. Their accounting has no phone number and sends a bot response message every time you email that refuses to provide service and tells you your cut off dont reply we wont answer you! Theres no resolution theres no communication and all I want is to be able to access the money so that I can take care of bills and everyday operations with my business. I wouldnt be so concerned about the money but its over {$1700.00}. Thats like a mortgage payment! Im not the only person that this is happened to when I visited my bank for my letter of ownership of the account, I was informed that there was a guy in there just the same week asking them to try and help them to show proof that they were owner of their bank account so that then will release their money.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

Citi Bank has been rearranging my transactions so my account goes into the negatives and I lose out on money. This is the third time this has happened and now Im getting sick of it. I got paid {$1800.00} from my job on XXXX XX/XX/2022. I made purchases on this day at a couple of stores. Why is it that when these transactions posted they Are being posted before my check and showing me a negative balance. THEN none of my transactions are showing they posted on the same day the purchase was made. I have transactions that were made on XXXX XX/XX/2022 and showing it posted on XXXX XX/XX/2022. This does not make any sense. I only spend what I have. I have lost out on a {$200.00} XXXX  because of what they did to my account. Now I feel like they are literally stealing my money. Once you spend money on your account it automatically comes out of your account so how the XXXX am I spending money but my account is in the negative. It doesnt make any sense.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking XXXX to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if XXXX can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXXT XXXX A XXXX
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found the late payments listed on the dates below : XXXX and XXXX are showing I was late in XX/XX/2019 but XXXX was showing that payment to be on time. XXXX is reporting that I was late in XX/XX/2019 but the other 2 bureaus were showing that I was on time in that month. I am not sure how this happened but it is clearly a reporting error. I believe I made my payments to you when I received my statements so my thought is that my statement did not get to me. I would greatly appreciate this issue being corrected. Thank you.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (FL)

We are a not-for-profit corporation. We currently have an account with XXXX XXXX XXXX linked to a former employee and have been unable to close the account. XXXX XXXX XXXX continues to bill us for the monthly charges and also sends the bill to our old address. I am unable to close the account and unable to respond to the bills or pay timely as we don't receive the bills until months later due to them continuing to send to our old address. XXXX XXXX XXXX has been unresponsive in my requests to close out the account. 

XXXX XXXX XXXX turned over a past due balance to Prince Parker. A representative named " XXXX '' has repeatedly called our office and has been extremely rude and unprofessional and threatening. He also repeatedly tells the receptionist we are delinquent in our bills. His tone and frequency of calls has made our staff feel uncomfortable. Most recent calls were on XX/XX/2018 and XX/XX/2018. He has also called before, though I don't recall specific dates. This is unacceptable and completely inappropriate. 

Thank you.
Consumer complaint received 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (VA)

Eastern Account Systems continues to report a debt on all 3 credit reports that has been recalled by XXXX XXXX XXXX  not once but twice. They refuse to remove even though they have no ownership of account nor do they have a contract. It has been recalled therefore they have no rights to report or attempt to collect. Violating all FDRCA laws.
Consumer complaint received 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (AR)

I have called several times to speak with representative and sent numerous emails to have my personal information such as my new bank account updated and they have refused to do this and have not sent me a confirmation that they have received my information and have updated my account information. They do not care about the consumer and have wasted a lot of my time that cost money.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (SC)

I sent dispute letter to equifax on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
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 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a agreement with WITH XXXX XXXX XXXX {$41.00} monthly and the account will never carry late fees until paid off. Ihave been paying the agreed amount automattically each month without fail. They are reporting me past due. I am NOT past due.