davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

innovate recovery removed debt from my credit report in XX/XX/XXXX and placed it back on again in XX/XX/XXXX. That is incorrect and I want it placed off my credit report ASAP. Once a debt is removed it should not be allowed to be placed back on my credit report.
Consumer complaint received 2022-04-03
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. (OH)

Hello I am submitting this complaint about the consumer reporting agency TRANSUNION. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to TRANSUNION to validate or delete inaccurate accounts being reported on my consumer report. TRANSUNION responded with a false claim the accounts have been validated. TRANSUNION has yet to show proof or any contractual agreement to support the claim of the account being validated.
Consumer complaint received 2019-04-06
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. (NJ)

The 3 credit bureaus Equifax XXXX XXXX   are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX  {$34.00} 2.XXXX  XXXX  {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX  XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (FL)

I've been having Problems with my someone using my identity which has cause me a great deal of stress. I cant understand how this is happening on my credit. I'm respectfully requesting that this idem be removed from my credit. 
thank you in advance.
Consumer complaint received 2024-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION (NY)

I have been dealing with Sallie Mae do well over 10 years now. They have made paying them back almost impossible, I have asked if they could lower the payments and they wouldnt. They asked if my mother could give them her bank info and I said no, I tried making the payments but fell behind due to losing my job but I quickly got a new one. Tried working with them during Covid to no avail. I remember XXXX of 2021, we were all still on leave from working due to Covid and I didnt have much that was coming in financial wise so making Sallie Mae payments were tough. No matter what situation I explained it didnt mean anything to them. Back in XXXX of this year I am working with a debt consolidation company and I told Sallie Mae that this was what was happening and to call their number if you have any questions. They yelled at me and gave me attitude for choosing to consolidate through someone other than them and now theyre calling and harassing everyone in my family. No matter how civil I have tried to be they come back with so much toxicity that it makes it hard to speak with them. They dont offer any helpful benefits, they make threats and harass people.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CO)

I initiated a balance transfer from a Barclays credit card onXX/XX/19 to payoff my XXXX credit card for {$2600.00}. I did a total of 3 balance transfers that day and the other two transfers to other credit cards went fine but after several weeks of waiting I called Barclays on XX/XX/19because the transfer did not show up in my XXXX account. After they reviewed my transfer request it was determined that I had a typo in the XXXX account number ( they only wanted the last four digits ) so Barclays started case # XXXX onXX/XX/19and said it would take a few weeks to resolve. I called back around XX/XX/2019and they said the case had not been resolved and it could take up to 30 days so I called back Barclays around XX/XX/2019 and they said they would escalate the case to the Settlement Department and to call back in 7 - 10 days. I called back onXX/XX/and spoke to a supervisor who said the case was still pending but they would escalate the case again and for me to call back in another 7 - 10 days and the case should be resolved. I called Barclays again onXX/XX/2019 and spoke with a supervisor XXXX - Operator XXXX  who asked me to send copies of my XXXX statements to prove the balance transfer of {$2600.00} did not credit to my XXXX account as their settlement department said they received proof of payment but didn't provide any explanation or additional information. OnXX/XX/ I sent XXXX at Barclay 's my XXXX, XXXX, XXXX Statements from XXXX as well as a page of account activity throughXX/XX/19proving my account was not credited. I called again today XX/XX/19and the case is still pending and they still can not provide me any kind of an update at Barclays and said it would be another 7 - 10 days. Meanwhile I am making payments to both Barclays and XXXX. I notified Barclay 's that I have filed a complaint with the OCC, Colorado Attorney General and CFPB.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

On XXXX XXXX, 2019, I made a payment from our checking acct in the amount of {$4000.00} through XXXX XXXX XXXX bill pay to XXXX Master card, Barclay Bank and the following day I realized that payment was suppose to go to XXXX XXXX XXXX Visa.  So I called XXXX and asked them to intercept this payment but was told that they couldn't. So I called Barclay bank and asked to return my $ but at that time the payment hadn't processed yet so they couldn't do anything. The following day, I called again and asked to have that money returned to my XXXX account electronically but was told they don't do that but they would return the funds by check and it would take 7-10 days. We were going away so I assumed the check would be in our mail upon our arrival him. XX/XX/XXXX, no check. On XXXX, I called Barclay Bank and asked where my check was and was told it was sent back to bill pay processing company. ( Payment Processing, XXXX XXXX XXXX, XXXX Ill. XXXX ). A case was created XXXX and an investigation began & I would hear back in once again 7-10 days. I then called XXXX and they conference called Barclay XX/XX/XXXX with me and requested they transfer those funds and again was told they don't do that. XXXX  requested batch # of that refund check to XXXX XXXX & Barclay requested proof from XXXX that payment was withdrawn from our account and not returned to that account. XXXX faxed info & on next conference cal XXXX requested transaction # for round check, Barclay-no transaction #, how about a batch #. Barclay was to fax the batch # to XXXX within 48 hrs. Next conference call On XX/XX/XXXX I requested a supervisor from Barclay & she gave XXXX a transaction # of XXXX & they once again were to fax a copy of returned check to XXXX and I requested a copy mailed to me, that would take 15 business days. As of XXXX I still have no answers let alone my funds. I emailed a complaint to Delaware banking commission and am still awaiting a reply. XX/XX/XXXX after a call to XXXX, was told they're still investigating it. XXXX case # XXXX. I expect my funds returned and as I've expressed to both banks that if I'd been late all this time in paying my fees & interest on that amount of money would be astronomical.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

Hello- and thank you for helping me. 
I want to start by saying that I have tried to close my account with PNC bank at least 4 times-now. I have never known them PNC to be as unprofessional and playing hardball as they are now. I have closed my account -yet they keep it open. It was first closed early XX/XX/XXXX and the teller told me that early the next morning they would close it, but some disputes was on it, in 2 weeks - I went down town DC to the PNC Bank and was told about the disputes, so I waited 2 more weeks-when the disputes were closed because the company wrote me and said they did not want any funds. PNC has an auto machine that answers the phone and is programmed to hang if the caller does not have a bank code. I had cut up my debit cards already and was not using the account because I thought it was closed. I went downtown to the DC PNC Bank again last week XX/XX/XXXX and it was still open, all disputes have been closed, and I told the young lady that it was suppose to be close- she told me the same-thing as the last teller- in the morning they will close it. I think PNC has gone crooked or loss their minds- please help me
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Monday, XX/XX/XXXX, I deposited a check drawn on the XXXX XXXX XXXX XXXX in the amount of {$55000.00} in my account with Capital One, with the expectation that the monies would be available on Tuesday, XX/XX/XXXX in accordance with the provisions of implementing Regulation CC. In subsequent conversations with representatives of Capital One, they advised me that a certain amount would be available on Tuesday, XX/XX/XXXX, but that the full amount would not be available for four ( 4 ) business days for " security reasons ''. When I pointed out that the check was drawn on another financial institution and that the only way a bank check could be returned is if it is lost and/or stolen and that because it was being deposited into account with the same as the check payee, and therefore was neither lost nor stolen, their " security reason '' was without merit. I requested that the matter be escalated and that I receive a call back, but I have neither received a call back, nor has the full amount of my check been made available.
Consumer complaint received 2022-04-04
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)

I have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

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 a account without my written instructions.
Consumer complaint received 2022-04-04
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: Carvana Group, LLC (NC)

I have a hard inquiry on my credit report from CARVANA auto finance. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

1 5 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 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital  case number is XXXX I applied for the COVID 19 conomie injury disaster loan and thank God I was approved because I was eligible. I am an XXXX and XXXX XXXX  I have a 1099 IRS form. After approval of my loan the funds were deposited in my capital one account but it is been 2 weeks now that capital one has frozen my account and put a hold on my funds. The reason why I applied for the loan is because I was deeply impacted by the COVID 19, I will have to start my first loan payment within 24 months and I will have to pay for the next 30 years. I am now doing security job which is ruining my health because I am not healthy enough to stand up 10 hours a day and unfortunately I have to do it because because otherwise I will not have money for my bills. The reason why I am doing security is because I can not afford to rent a car to do XXXX and XXXX again because rent is so high now and drivers have to pay XXXX $ weekly. I was depending on the loan to buy a new car and get back to driving XXXX which I can do the best. I really want you to get involved so that capital one release my funds right away
Consumer complaint received 2022-04-04
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. (NY)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-04
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. (MO)

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 a account without my written instructions
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I filed a complaint in this site on XX/XX/XXXX regarding Wrong information showing my XXXX that I have disputed multiple time and Hyundai intentionally keep reporting This account is paid off since XX/XX/XXXX. attached are the documents Balance {$510.00} Highest Balance {$0.00} Opened XX/XX/XXXX ( 4 yrs, 2 mos ) Term 72 months
Consumer complaint received 2022-04-04
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. (WI)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXX  # XXXX, XXXX acct. # XXXX, has violated my rights.

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

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (TX)

I tried to cash a check at XXXX and it was declined. I was given minimal information. I have never written checks at this store in over 15 years. I can't speak to anyone at the company. I called the told free number to speak with someone, they could not give men any information. So I ask to speak to a Manger, was place oh hold for over 10 mins, then the called ended No one could tell me why the check was declined
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MD)

I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly as CEO of Goldman Sachs. My issue is simple, I am a XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. He has been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case with my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
Consumer complaint received 2018-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Received a response from Citibank Client Services, dated XX/XX/XXXX. Response indicated that I received a XXXX for the XX/XX/XXXX tax year. And that the debt was charged off on XX/XX/XXXX. 

Upon review of my records for the XX/XX/XXXX tax year, no XXXX was received by myself. And I did not make any unsecured debt payments to any creditor past XX/XX/XXXX. 

I wrote a letter to Citibank Client Services, attention XXXX XXXX of the Executive Response Unit. I indicated the above concerns and to please verify that this is my account. The letter was sent certified mail and was delivered on XX/XX/XXXX. To date no response has been received from Citibank client services. Ref Case # XXXX. Please see attached letter dated XX/XX/XXXX addressed to XXXX XXXX, Citibank. Certified mail tracking number XXXX
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (TX)

I was misinformed the entire time of my loan approval process and lost {$2000.00}. I was told I was approved for the house more than a month ago. 2 days before the option period I was told unfortunate news that it was there was so confusion and I would need more money to close.. I then asked if that was all that was needed along with paying off requested accounts and I was told yes.. After the option period I was told interest jumped on me. I accepted and we moved on agreeing that I would have to sell a truck on my name. Then a week before closing I was told a mistake was made with entering my yearly income and was told could not close till I got yet another account cleared. I was completely told the wrong information the entire time along with mistakes made that weren't mine. Outcome - We did not close and I lost {$2000.00}.
Consumer complaint received 2017-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (MD)

Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX NY XXXX has reentered a collection account on my credit report that was removed by them in XXXX XXXX. This is the same account from XXXX XXXX XXXX from XXXX XXXX for the amount of {$600.00}. This account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX. I have previously reported this account to the CFPB in XXXX XXXX and received confirmation that the account would be removed from my credit file from XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX. The account was removed by has since been reentered on my credit file on XXXX XXXX, XXXX. After being denied credit recently I checked my report to find that this account has been entered once again on my credit report.
Consumer complaint received 2022-02-02
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: Army and Air Force Exchange Service (AL)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX OF XXXX, XXXX, and MILITARY STAR are accounts opened by someone who stole my identity.
Consumer complaint received 2022-04-03
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. (NY)

in accordance with the fair credit reporters act. convergent account # 's below 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. 

XXXX XXXX XXXX XXXX XXXXXXXX account : XXXX XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account : XXXXXXXX XXXX XXXX XXXX  : XXXX