davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/ 2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (AR)

I C. SYSTEM ONCE AGAIN VIOLATED THE FCRA FDCPA, T.C.P.A. BY FAILING TO VALIDATE SAID DEBT AND WENT ON MY CREDIT REPORTS ANYWAY CALLED MY FAMILY MEMBERS 17 TIMES ( XXXX ) XXXX.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

I recently review my credit report and notice there were inaccurarcies. A collection SOUTHWEST CREDIT SYSTE the amount of XXXX is not my debt. I was a victim of id theft and im not responsible for debt. Below is a copy for information related to the debt. It stopping me from getting a place to live. 


Account Info Tap labels for more details Account number XXXX Collection openedXX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XXXX 2021 Additional info Comments
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have two disputes with Experian credit report I have tried summiting the disputes online the website tells me I cant dispute it because I already have on the same subject, which is untrue and to call. When I call they refuse to help resolve this and are rude. It seems they are purposely doing this to be retaliatory for previous lawsuit and have no intentions on making it right. 
First dispute is for XXXX XXXX XXXX they are reporting I opened an account in XX/XX/XXXX which is not true the account was opened in XXXX also the amount {$1500.00} is incorrect. They have erased this very item from my credit report for being inaccurate yet they keep adding it back on. Second I randomly had an inaccurate address show up on my report a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute it, it would not allow me to dispute it and said it was reported by XXXX XXXX associates the very creditors that was trying to sue me and it said in order to remove it I have to contact them. Experian 100 % knows this is inaccurate and I believe is working with this creditor. Both of these credit companies tried and sue me and I got my attorneys involved to put a stop to it. I believe this is retaliation.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (AZ)

1. Flagstar bank has taken since XX/XX/2021 to process a mortgage refinance. 
2. This bank is also requiring me to amend my tax filing and requiring me to show proof the tax bill was paid. 
3. I asked the appraiser to go to the property and evaluate the property without disturbing the tenants. The appraiser required photos of the interior.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On or around XX/XX/2021 I sent PENTAGON FEDERAL CREDIT UNION a Cease and desist notice to stop all ILLEGAL activity. In the notice provided ( see Exhibit A1, A2, A3 ) you can see I have addressed to PENTAGON FEDERAL CREDIT UNION that Pursuant to 12 CFR 1026.13 ( a ) ( 6 ) see Exhibit B : the billing statement I have previously received is a billing error, Provide documentary evidence as the definition states in 15 U.S.Code 44 ( see Exhibit C ) that includes all documents, papers, correspondence, books of account as described in IRS Publication 583 ( Record Keeping ) and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I require this clarification in order to address the billing error for the amount shown in my latest statement. I need to clarify who funded the account and how much is owed according to the journal and credits of account and ledger and debits of account to verify from the current accounting and taxes associated with this account.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CO)

I have funds ready to be added to my account. today it is needed to be open to add funds. I wanted to use this account for my Government refunds also receive my rewards. I don't have ID I don't have as card. I was robbed and having issues with getting these things to the time frame of receiving funds. I'm looking out on my rewards because of all these poofs. The info you have in me is plenty for my identity to prove it is me. I need the account to replenish that info. I feel I was used by Netspend to another block from my XXXX life. You promised $ to start up. And now I'm denied more access. Ridiculous ness!
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. ()

We are a XXXX  mystery shopping company that seem to be the victim of phishing. 
We are getting claims of us shoppers that they are contacted in our name to cash a check. And then probably transfer the money back to the firm. 
They are being contacted thru email and we already got the domain name blocked by the domain provider. 
And have send out a warning mail to all US shoppers signed up with us. 

Attached you will find one of the checks the shoppers received and the letter that was send with it. 
They are contacting the people thru XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 
What can we do to stop this fraud? Is there a possibility to block these phone numbers or can we have the checks blocked by the bank?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and your assurances, these fraudulent charges persist, causing me undue stress and financial concern. 

The prolonged existence of these fraudulent charges not only damages my financial credibility but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is unacceptable that despite my repeated efforts, these fraudulent charges remain unresolved. 

I demand immediate and effective action to remove these fraudulent items from my account permanently. Additionally, I expect a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I insist on being compensated for the inconvenience, stress, and potential financial harm caused by the persistent presence of these fraudulent charges on my account. 

I urge you to prioritize this matter and take all necessary steps to resolve it promptly. Failure to do so will leave me with no choice but to escalate this complaint to relevant regulatory authorities. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Responding to a promotion ( Citibank gives you {$700.00} for opening a new account and depositing {$50000.00} into it ), XX/XX/2022 I opened a new checking and savings account online, via the Citibank website, and transferred {$63000.00} and {$2000.00}, respectively, into the new accounts, from accounts I had that were paying little to no interest with XXXX XXXX and XXXX Bank. Fewer than 10 days later, while I was out of the country visiting my family, Citibank closed the accounts ( due to an issue with XXXX, I believe, after visiting a local branch to try to resolve this ). A few days after my return, a check arrived in the mail for the {$2000.00} I had depositied into the newly opened ( and now closed ) savings account -- but nothing for the {$63000.00} I had deposited in the newly opened ( and now closed ) checking account. That was 2 months ago, and I am still waiting ( and calling and worrying ). 

I have had a credit card with Citibank for many years ; that's how I received the promotional offer. And, as indicated above, I have checking and other accounts with XXXX XXXX, XXXX, XXXX XXXX, XXXX and others. I can not immediately understand why Citibank could not confirm my identity -- if indeed that is the reason they quickly closed the accounts and froze my money. 

Over the course of the past many weeks, I have called Citibank multiple times, spoken with multiple people, often given multiple and conflicting explanations. Several times I was assured that a check was " in the mail, '' but no such check ever arrived. I went to my local branch office 3 weeks ago -- and again this past Monday. The young many there was very patient and friendly, and made calls to different people within the corporation. But ultimately he was unable to get any solid answers -- much less my money. 

I have read online about nightmare scenarios similar to mine where people waited 5 or 6 months to finally get their money. I'm hoping someone can help me resolve this sooner than that, but of course before we know it we'll have arrived at the 3 months mark. 

I can not tell you how many nights I have woken up in panic wondering if I will ever get my money back. I have lost weight. I have treated my household members badly. Family members tell me they see how this is on-going ordeal is actually making me physically ill, and now too are worried. How are banks allowed to do this to simple, honest people like me?
Consumer complaint received 2023-03-23
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. (FL)

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 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 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (TX)

In the year 2022 so far, I've seen my app and desktop services malfunction at least half the time, well over 15 times when trying to use them. My phone app repeatedly lies and tells me my phone isn't register so I'd have to redo it, the face ID doesn't work. Then the desktop gets essentially unusable and stays stuck in loading phase at the beginning of opening the desktop system. Only once have I called and they said " we're having a current down time maintenance '' as if there may be some explanation. Otherwise the reps seem to chalk it up as something they'll " look in to. '' I haven't seen any resolve and this system sucks horribly. Also I don't have a wave tip option to my atm card so w covid I have to sit there and punch in the codes and get exposed everywhere I go.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau (UT)

I sent Knight Adjustment Bureau letters on XX/XX/2021 and XX/XX/2021 asking for certain verification information from them and their responses to both letters did not answer any of my questions. 

I am aware and have proof that Knight Adjustment Bureau 's violations against me include but are not limited to : violation of of 15 USC 1692g ( a ) ( 1-5 ), 15 USC 1692j , 15 USC 1692e ( 2 ) ( A ), 15 USC 1611. 

Knight Adjustment Bureau 's collection efforts have caused me and my family emotional distress and defamation of character. 

I have never participated in any transactions with Knight Adjustment Bureau. 

I have never consented to do business with Knight Adjustment Bureau in any way.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$290.00} XX/XX/2021.. THESE COLLECTIONS HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I recently review my credit report and notice there were inaccurarcies. A JEFFERSON CAPITAL SYST amount of XXXX is not my debt. I was a victim of id theft and im not responsible for collection. Below is a copy for information related to the debt. This collection is compromsing my chances of acquring a place to live. 

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  : 0 % Balance on XX/XX/XXXX Original balance {$850.00} {$850.00} Payment Info Original balance {$850.00} Balance {$850.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Status date XX/XX/XXXX Additional info Comments-
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

There are numerous inquiries on my consumer report as a result of identity theft. According to the fair credit reporting act these inquiries must be blocked and removed immediately! These inquiries are as follow : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

I recently review my credit report and notice there were inaccurarcies. A collection from MRS ASSOCIATES for the amount of XXXX is not my debt. I was a victim of id theft and im not responding for debt. Below is a copy for information related to the debt. 

MRS ASSOCIATES Original creditor : XXXX - XXXX {$210.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$210.00} {$210.00} Payment Info Original balance {$210.00} Balance {$210.00} XXXX XXXX, XXXX
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have been an Citibank credit card customer since XXXX, I have not missed one single payment on my card and my XXXX score is XXXX. I have been paying the annual fee of over {$400.00} every year. 
In early XXXX, XXXX, Citibank closed my card without prior communicating with me through any form, hence I don't even know the exact date of my account closure. 
I reached out to Citibank via phone call, despite I told them I'm not physically in the XXXX right now, they said the only way to communicate with them on this matter, is through physical mail ( not with email or phone calls ).
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I received a notice about a debt that is not mine or ever heard about. Once I spoke with the representative XXXX he informed me that I had the debt from XXXX Its XXXX! I have included the document that Jefferson Capital Systems LLC sent to me..
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

When I tried to logon to my Experian account on XX/XX/2022 my User ID and/or my Password were not accepted. I then tried to reset my credentials using the Experian website application. I was notified that instructions and a link would be sent to me by email. 

My actual email address is XXXX. The address the reset instructions were sent to was XXXX. So the address referenced in the message from Experian appears to be partially correct and it was also partially wrong and the .com extension needs to be deleted.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

For the past couple of years I have maintained a Williams and Sonoma branded credit card through Comenity Bank. In XX/XX/2019 I attempted to go online as I always to and make my payment, my balance due was approximately $XXXX.  I was unable to log in using my account information which had been fine the previous quarter. I was traveling and unable to physically  pay my bill or call and the bank notified the credit agencies of my delinquency. My payment became past due. When I was finally able to call them I was offered no explanation as to why I was unable to make a timely payment online.  Instead, while I informed the representative that I intended to make a payment and close the account, she barraged me with balance transfer offers. I believe the website was purposefully unavailable to force customers to call in and speak with a representative in an attempt to gain more business. This has resulted in my credit score declining from XXXX to XXXX. I filed a complaint and the company did not respond. I believe many other consumers may have been impacted by this fraudulent activity and request that you investigate this matter as soon as possible. This is not dissimilar to the alleged “old” practices of XXXX of sabotaging customer accounts and then offering a great solution.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (NH)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.