davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ATLANTIC UNION BANKSHARES CORPORATION (MD)

At the beginning of XX/XX/2018, I applied for a XXXX XXXX XXXX XXXX   Business Checking account. I opened the account because I saw a promotion online for : " To earn a {$250.00} cash bonus, open a new Free Business Checking or any Union business checking account, maintain an average balance of {$2000.00} or more during the first 60 days and make any combination of 8 qualifying transactions by debit card at merchant locations, check, or online bill payment within the first 60 days. '' On XX/XX/2018, I received an email from an account administrator requesting business verification documents. I provided the requested documents on XX/XX/2018. 

During the rest of the month of XXXX and beginning of XX/XX/2018, the bank requested additional verification documents, to which I provided in a timely manner. 

On XX/XX/2018, it was informed to me that my account opening was successful and in order to open the account, an opening deposit was required. I was provided a mailing address to mail a check to, to which I provided. The check was cashed and deposited in my account on XXXX. 

Based on the extended process to get the account opened, I was under the impression that I had 60 days from XX/XX/2018 ( account opening date based on all correspondence I received ) to meet the promotion requirements, per the terms noted above. 

However, in the beginning of XX/XX/2018, after a follow-up call, I was informed that my account was actually opened on XX/XX/2018, and that the 60 days were nearly elapsed. At this point it was infeasible for me to actually meet the promotion requirements. 

I moved forward and actually completed the promotion requirements based on my understanding of the effective account open date of XX/XX/2018. 

I reached out to Union Bank via phone and email ( XX/XX/2018 and XX/XX/2018 ) to reconcile this issue, which was cause by the Union Bank elongated account opening process, to which no responses were received. I am now contacting the CFPB.
Consumer complaint received 2018-05-21
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. (GA)

I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.
Consumer complaint received 2021-07-12
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( Transunion, XXXX & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this fraud.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My accounted for the late transactions I reported it they did an investigation and I received my money back due to a global scam I was told that my account was affected but the customer service agent was supposed to help me get situated she said that she got it escalate it to be fixed in my account should reflect my correct balance in a few days it has been two weeks
Consumer complaint received 2019-01-11
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: Experian Information Solutions Inc. (SD)

I am attempting to review and dispute information on my Experian credit report which I am unable to do because their website is not working and has not been working for several weeks.I have experienced assault and damage to my credit report as a result of attending an XXXX XXXX XXXX XXXX XXXX   where I obtained a XXXX  GPA in the last semester I attended.One of the harassing messages I received online was a question asking me if I wanted to play XXXX XXXX. I also was told in XXXX  that they have Experian there too just like the USA while exploring possibly moving there while on vacation.The Experian representative told me that they can not give me access to my online account for a dispute even though their website does give an option to downgrade the account. The representative said I would have to provide a credit card that he worked in the membership department and that Experian does not have a technical support department to address issues with the online account.This is possibly preventing me from obtaining the best financial products I am eligible for as my reports on XXXX and XXXX  where inaccurate upon review within the past few weeks.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar ( Mr. Cooper ) is putting my home at risk by not working my file in a timely manner. At issue is a value dispute we submitted on XX/XX/XXXX as Nationstar has my property over valued and I am trying to sell my home. As of XX/XX/XXXX we still do not have an answer on that value dispute. That value dispute should take no more than 10 days to respond to and we are going now on a month. They have set a sale date on XX/XX/XXXX which is against dual tracking laws since my property is under review for a short sale. This is a violation of CAHBOR.
Consumer complaint received 2022-07-26
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. (NY)

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 590. 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 tXXXXn 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 XXXX 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 .This 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 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

I noticed there was a charge-off account for XXXX on my credit report that was not mine. I sent 3 letters to XXXX, XXXX, and XXXX notifying them of the error and asked them to verify the debt. The letters were sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no response. I then sent a certified letter directly to XXXX XXXX XX/XX/2022 notifying them that the debt was not mine and if they had reason to believe it was mine to provide proof. Based on the tracking number, XXXX received the letter on XX/XX/2022 at the listed XXXX XXXX on my credit report ( XXXX XXXX XXXX, XXXX OH XXXX ) but they have yet to respond to my request. This is not my debt. I've attached the letter sent to XXXX XXXX Also a copy of the certified XXXX screenshot with the delivery date.
Consumer complaint received 2022-07-13
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. (NJ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-11
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: BARCLAYS BANK DELAWARE (MA)

They sent me an email stating that my credit score has dropped to XXXX  so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

Made payments that completed on XXXX XXXX XXXX, and XXXX  in the amounts of {$85.00}, {$400.00}, {$150.00}, and {$350.00} respectively. I did this in order to pay off charges as they posted to account. Synchrony Bank is now suppressing my credit limit after already taking the money from my bank account. Current balance is only at {$68.00} and my credit limit is supposed to be {$1200.00}. Meaning I should have {$1100.00} of credit available. HOWEVER, Synchrony Bank has unilaterally decided to place the payments of {$400.00}, {$150.00}, and {$350.00} on hold for more than ten business days and my current available balance is a mere {$380.00}. I am being punished for being the most responsible type of credit user. Unbelievable.
Consumer complaint received 2022-07-26
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 XXXXt XXXX XXXX bank 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I had just started my XXXX  year of college and my new friends and I wanted to see a XXXX XXXX concert. Tickets were sold out on XXXX and a friend had told me that she had had really good experiences buying tickets on XXXX. I messaged a few people and one got back to me. I purchased four tickets for {$160.00}, with PayPal fees it amounted to {$160.00} on XX/XX/2019 to XXXX. Shortly after I sent the money, the person selling me the tickets deleted their XXXX account and I was no longer able to message them. I filed a complaint with PayPal outlining the exact altercations and reasons why I would need my money back, but they refused. They claimed that my story was not believable. The tickets that I received were counterfeit.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

My wife has a credit card account with Citibank. Citibank is reporting to the credit bureaus as if this account is a joint account and reporting it as my debt also. I have never agreed to pay this debt. I did not apply for this account. My wife has called and demanded they remove me multiple times. They remove me then shortly after that, they report the account to the credit bureaus as a joint account again. They continuously say they wo n't speak to me since it is n't my account, but report it against my credit report. They have told my wife multiple times that this is " their policy ''. I do not think their " policy '' is allowed to supersede the law. I want it removed from my name permanently.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (OH)

I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft EXETER FIN Date of inquiry : XX/XX/XXXX This is not mine.
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: EQUIFAX, INC. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2019-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Bank : Chase Bank Name : XXXX ( representative im talking to today ) Amount : {$27000.00} My account was closed without my knowledge and they claim they mailed a check to an address I dont live at. Needed to fill out a change of address form and get it notarized which I did. 

Reason for denial : Did not know a check number that was never sent to me. 

XX/XX/2018 - Visited branch to inquire about previous visit where I filled out and notarized the change of address form -- > XXXX XXXX location XX/XX/2018 - XXXX XXXX location -- initially filled out form and notarized it.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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 # XXXXXXXX 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 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (OK)

I received an alert for XXXX/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry XX/XX/2023 I Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry XX/XX/2023
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.
Consumer complaint received 2023-07-26
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have