davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  {$9000.00} XX/XX/XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-24
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. (FL)

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I made the phone call to citi bank to close my CD account and asked the representative to transfer the remaining balance to my another bank account. However, they don't have that option unless I go to their local branch. But we don't have any branch in my state. I have to ask them to mail my check to my address. The representative told me that I should get my check before XX/XX/XXXX. However, I don't get any check by that day. Then on XX/XX/XXXX, I made the call again to citi bank to ask them to resend my check because I didn't get that. The representative told me that I should get my check before XX/XX/XXXX. However, I still didn't get that. It is totally unacceptable for a bank not providing the option to transfer the remaining balance in a closed account to another bank account and not delivering checks to their customer on time. I can wire transfer money into my Citi bank account but I can not wire transfer out my money when I close my account. How ridiculous!!! I will never open any back account with citi bank.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I'd like to formally file a complaint against Bank of America. While trying to recoup funds that I transferred in an international wire transfer, a Bank of America employee in the wire department gave me wrong information, and they failed to file my case with the fraud investigation team. I believe Bank of America has impeded the refund process and is partly responsible to possible irrevocable loss of funds. 

The international wire transfer was initiated on XX/XX/XXXX at XXXX XXXX. I realized it was a scam shortly after, and attempted to reverse the wire at XX/XX/XXXX at XXXX XXXX. I was transferred to the wrong departments, and eventually got a hold of XXXX at the XXXX Department at XXXX. XXXX told me that he saw my transfer was in a " compliance review '', and he couldn't update the status of the transfer. He told me that Bank of America would need more information before approving the transfer. He assured us the transfer would not go through without Bank of America getting more information. 

On XX/XX/XXXX at XXXX XXXX  I received an email from Bank of America that my wire transfer had successfully gone through. I didn't see the email until the afternoon. I immediately called XXXX at XXXX XXXX  and was on hold for XXXX minutes before I got a hold of XXXX. I told him what happened, and he said that usually Bank of America would need more information, but for some reason they didn't in this case. This was in direct opposition of what he told me 3 days before. I asked to get a recording of our call on XX/XX/XXXX because it was the complete opposite of what he told me. He said he couldn't give those records but he could have a supervisor listen to the call and contact me. I was never contacted by a manager or supervisor. 

Also, Bank of America failed to alert the fraud investigation team of my case until XX/XX/2022. It was only when I gave them the police report file number that they realized no one had initiated my case with Bank of America 's fraud investigation team. That was XXXX weeks after I called attempting to cancel the transfer, which again, was the same day the transfer was initiated on XX/XX/XXXX. I believe Bank of America is partly responsible for the loss of funds due to wrong information given to me, and a lack of action.
Consumer complaint received 2022-03-25
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} I contacted this company no resolution made. On XXXX Fifth Third Bank stated XXXX had an balance from a car I never purchased in the amount of {$47000.00} XXXX contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXXXXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX XXXX which is affiliated with Fifth Third also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2021-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TN)

I had car trouble and signed up for a XXXX service credit card by CitiBank after it was advertised on both the dealers website as well as the companys website on XX/XX/XXXX. When I attempted to use it, they told me they dont accept the card they advertise. On XX/XX/XXXX I received an email I was advised incorrectly and they indeed take the card but when I went back to the dealership they said they couldnt. The link to the dealers website still advertising this card. https : XXXX XXXX XXXX XXXX On the second website, XXXX XXXX is listed when you click schedule service. 

So I signed up for a card due to a promotion that was advertised on the dealers website and cant use it. I followed up today with service manager XXXX XXXX who said they would have to sign back up with Citi and refuse to do that.
Consumer complaint received 2017-06-07
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: Resurgent Capital Services L.P. (WA)

Last year i received a notice on my credit report from some company claims i owe {$500.00} dallors to them on an old credit card that was paid. Ive been working with a credit repair company to resolve this issue. This compa ny LV something claiming that i pay on an old bill that was paid will be going to court soon to dispute this matter which they claim that i have Circuit Court which appears on my credit record I 'm going to dispute that and get every penny of the money that I got coming back to me for them harassing me. Again I know nothing about this company and for them to be practicing I 'm going to turn them in and let the FBI do the work on them for ruining my credit report tha nk you
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

In  XXXX  there was a  XXXX  credit card opened in my name, when I found out about the credit card I took immediate action. I contacted  XXXX  to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XXXX  and in  XXXX  I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XXXX  the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted  XXXX  to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus,  XXXX  always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
Consumer complaint received 2021-11-17
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. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2023-05-17
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-08-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

Needing help on getting help pay for my loans. Like someone was impersonating. I am looking for work now and needing place to live XXXX XXXX XXXX XXXX XXXX not my apartment. I am Struggling trying to go to another college soon. But needing help thinking wrong person lieing on me. Get foodstamps.Had bankruptcy before. 
They playing around email. My babydaddy XXXX XXXX have this apartment and he work at XXXX XXXX   XXXX XXXX up street where we stay. He try to be funny his Sister XXXX XXXX get XXXX  get checks trying to be somebody following makeing hard to succeed in College it hard get help. Get foodstamps now for kids and ripe with XXXX XXXX XXXX trying to hurt me. Thinking Sister yelling out on emails I get. Put in for Truck driving job because I am ripe with XXXX for my kids and XXXX   XXXX got check out at hospital here in XXXX XXXX. They tried to move money on emails far. XXXX XXXX XXXX XXXX XXXX No XXXX No XXXX other races in me. Stop harrassment and bad treatment I get public financial assistance. Need income driven payment assistance. Get online billing Statement XXXX and XXXX.
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

In XXXX, 2017 I attempted to finance a vehicle from credit acceptance corporation. The dealership attempted to extort me for additional cash after the finance paperwork had been signed for credit acceptance. I never took delivery of the vehicle. I never had possession of the vehicle. I have never made a payment other than the down payment I was never refunded. The vehicle has never been registered in my name. There is no lien on the vehicle. I have tried to dispute the debt with the credit bureaus. I have tried to dispute it with credit acceptance directly. They havent sent the debt to collections.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

retirement funds were sent to me from XXXX XXXX XXXX  nj i endorsed check check never made it to my bany was stolen and cashed check was drawn on wells fargo who refuses to speak to me XXXX XXXX  says its my problem as check was cashed
Consumer complaint received 2020-02-18
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. (TX)

FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to resolve an egregious error that has negatively impacted m y credit score. I have  been trying to rectify this issue with this company reporting that I 've been late. This could not no be further from the truth. I have always paid on time and not only on time but have paid well over the amount due. I have spoken  to 2 m anagers and the store owners. There names are :  XXXX ,  XXXX ,  XXXX  who has first hand knowledge of the issue. I have also spoken to the owner of the store who has reassured me that he would handle it. To date nothing has been done.  XXXX  is not longer there because he apparently made so many billing errors during his tenure there that they let him go and they all have attested to that. They all know that credit reporting is false but no one is making the necessary moves to correct the error that has been created
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK MORTGAGE PARTNERS LLC (OH)

We are the sellers of this residential property : XXXX XXXX XXXX, XXXX XXXX, OH XXXX. The buyers, XXXX and XXXX XXXX, scheduled a private showing of the property within the first 72 hours it was on the market. They immediately made an offer on the property through their agent, XXXX XXXX with XXXX XXXX. Our realtors, XXXX and XXXX XXXX, presented their offer, including a pre-approval letter from XXXX XXXX ( XXXX XXXX ) with XXXX XXXX XXXX. Neither Ms. XXXX, nor Mr. XXXX, indicated that their pre-approval for an FHA loan was contingent upon the sale and closing of the XXXX ' current property. We asked our realtors if this was a contingent offer and they assured us it was not, as the information was not included in the pre-approval letter from Ms. XXXX. We accepted their offer on XX/XX/2019 ( the pre-approval letter was also dated XX/XX/2019 ). Our property was off the market for 6 weeks as we awaited closing on XX/XX/2019 ( title to be filed XX/XX/2019 ). The property did not close as the XXXX ' property failed to close and they could not have 2 concurrent FHA loans. The buyers requested an extension of the contract and we countered with a request for our expenses on that property to be paid and earnest money to be relinquished to us on the extension date of XX/XX/2019. The buyers refused. We declined to extend the contract which would extend our risk of not closing on the property for another 4 weeks. Our realtors contacted Ms. XXXX on or about XX/XX/XXXX to find out what happened with their pre-approval. At that time, Ms. XXXX admitted that the XXXX ' loan was in fact contingent on the closing of their current property, but, she said, they anticipated the property would close ; however, that transaction never occurred and Ms. XXXX 's assumption and lack of transparency cost us valuable time to market our home to more qualified buyers. A second correspondence from Ms. XXXX, via email to our realtors on XX/XX/2019, was a rambling dismissal of her culpability, denying she falsified their pre-approval letter. We were deceived, tricked, and defrauded of the opportunity to make a fully-informed decision on the sale of our property by MsXXXX XXXX. This unethical practice cost us 6 weeks of marketing our property for sale to a qualified buyer.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

We fell behind and filed Chapter XXXX. We closed the Chapter XXXX  and a few months later offered a modification. Sadly during the second month of our modification my husband was hospitalized and had to have XXXX. My name is not on his bank account and when the payment was returned I could do nothing. I contacted Mr. Cooper and they where no help. Than they sent our account to an collection agency and I even contacted the collection agency, but no response. Than we again reached out to Mr. Coopet and they have just given us the run around. The stop taking payments, stop paying the insurance on home and the flood insurance. Than they put our home up for sale in the paper and on XXXX  without telling us. The sale date was XX/XX/XXXX but was canceled reason not known. We spoke with a Mr. XXXX  at Mr. Cooper on XX/XX/XXXX and he was going to email us some papers, but never did. Than today XX/XX/XXXX he contacts us saying their is nothing that can be done. All these days he knew this but failed to mention it until today XX/XX/XXXX. This company won't take payments, but still running up our escrow account by paying the flood insurance even after the bill was sent to us. I think this company needs looking I to. They went from Nationstar to Mr. Cooper, but same old business dealings.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (OH)

On XX/XX/2022 I finally set up monthly autopay on my aspire credit card, and noticed for the first time that my monthly payments were not bringing my debt down, therefore, I researched my e-statements and discovered that the minimum payment due indicated on my app account portal dashboard doesn't reflect the actual minimum amount due, as a result, I made the minimum payment due on my dashboard but since it is not the actual amount owed I've been charged with late fees. I have screen shots to support my argument. I have since cancelled autopay and will check the actual amount due before I make a payment, but I don't know how much money I lost due to this unfair credit card debt collection.