davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (AL)

A credit card was added to my report that I never signed the contract for via Barclays Bank in Delaware. Ive never been to Delaware in my life and I never signed for this card. Im XXXX and I couldnt even apply for this card to begin with
Consumer complaint received 2022-05-20
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (WI)

CROSSCOUNTRY MTG/XXXX  is showing on my credit report that I have a late payment, but my balance is up to date could you please remove this from my credit report because it's bringing my credit score down. I do not understand why I have a late payment showing when I am currently in good standings.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Citi Bank Account was set for closure in XX/XX/XXXX with XXXX $ in my account. I called every other day they always say 30-60 days before I would receive a check. Its now XX/XX/XXXX and they still are saying the same thing. I just want my money from my account that was wrongfully closed. Have seen more people complain about the same situation. I can not log in to access my own account.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Bank of America. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Hi Sir/ Madam, I am a victim of Romance Scam.. When I doubt already that I am being scam I stop sending money to the guy and later on he admitted that the picture is not his pictures.. so I called the FBI and FBI agent told me to file a complaint to IC3. gov and the FBI lady told me to call your bank and they will return your money back The real name of scammer is XXXX XXXX claiming to be XXXX XXXX a police officer in PA, USA We plan to get married and buy a house a modular home.. so he said he will put money there and I put money also in the modular home so I sent money through XXXX claiming to be his uncle XXXX XXXX XXXX and Aunt XXXX XXXX actually the one for XXXX XXXX he did that transaction which is the amount of {$1900.00} through XXXX coz I trust him already coz we are about to get married the date of that transaction is XX/XX/XXXX, XXXX I filed a dispute with Citibank but they never help me to return my money back.. The other transactions are XX/XX/2020 XXXX transaction to XXXX XXXX XXXX amount {$1500.00} also XX/XX/2020 XXXX XXXX XXXX amount {$2500.00} then XX/XX/2020 XXXX XXXX XXXX also {$2500.00} and lastly XX/XX/2020 amount {$2500.00} Total of {$10000.00} for 5 XXXX transactions, Claim # is XXXX Actually they gave me a temporary credit for this 5 transactions but they reversed the transactions because when XXXX the investigator called me I am not available so I tried to call back several times I cant get hold of XXXX but somebody called me in XXXX dispute department when I answered it he doesnt want to talk I said I know it is from Citibank XXXX dispute because I add that phone to my contact list.. I keep saying Hello are you there? but he hang up the phone after he called me.. it might be XXXX from XXXX dispute an investigator but I not sure but I am pretty sure from XXXX dispute department because it showed on recents calls that from XXXX dispute department and I called Citibank again and refilled again but unfortunately they dont want to help me return my money back.. The date that I refilled the XXXX disputes was XX/XX/XXXX, XXXX but I have no luck to return my money back with the help of Citibank.
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (OH)

BridgecrestXXXX  is reporting inaccurate information to all credit bureaus. They're reporting to XXXX that I have over 5 missed payments and the account is in negative status. However, this vehicle was totals in XX/XX/2021. It was paid in full and in good standing and payments were made until the point insurance took over. They have reported that insurance took too long to send a check therefore inaccurately reported delinquency. My insurance partially paid and quick. Their additional GAP insurance issued through XXXX XXXX  is what prolonged the check. This is a partner company for them so they both should have been communicating with each other. 

I have contacted the CEO of the company, and she made an XXXX call from the executive offices who was no help whatsoever.
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (AR)

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 XXXX 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 as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} COLLECTIONS XXXX {$31.00} COLLECTIONS XXXX {$31.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my XXXX XXXX file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-13
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: TRUIST FINANCIAL CORPORATION (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : REGIONAL ACC Date of inquiry XX/XX/2021
Consumer complaint received 2022-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

On my credit report I see multiple student loan account showing and they all show late payments. This information is wrong because I did not have multiple student loan accounts and I have also NEVER been late on any payments in my life. I have tried to fix this issue with each credit bureau as well as with the loan company multiple time but the issues are still not fixed and are negatively affecting me in my journey to first time home buyer. I have worked really hard over the years and this incorrect information is making my life 's work seem pointless as its stopping me from moving my family into a promising neighborhood in our own home.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

They reached out too me I sent a letter back stating I didn't know them or who they claim too represent. 
I then asked for them to send proof I owed this said debt that I know nothing about they continue to call n call they sent over a history of transaction I wasn't familiar with but none of the other stuff I asked for. Within that letter I said too them if u can't send me everything I'm asking you for please stop invading my privacy and don't not contact me anymore with this fraud. Next thing I know they sending me court documents so I answered back too the courts stating I don't know them an there trying to extort me these people never gave me proof I owed them or they had any true connection with me myself my privacy has been invaded by them an the so called original creditor
Consumer complaint received 2022-05-20
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. (TX)

XXXX is again reporting on XX/XX/XXXX XXXX XXXX Bank dba XXXX XXXX product XXXX XXXX  loan # XXXX as 30-59 days past due to Transunion, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX  XXXX, XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX, Account Number XXXX XXXXXXXX, and XXXX XXXX Account Number 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 2022-05-20
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXX XXXX  XXXX XXXX Account Number XXXX XXXX, XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Account Number XXXX  XXXX, and XXXX XXXX Account Number 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 2021-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 XXXX collection agency By law, 15 USC 1692g , Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

On XX/XX/2021, Aargon collection agency sent documentation of services, provided by XXXX XXXX XXXX to XXXX XXXX XXXX. Aargon collection agency claims its right to enforcement of security interest, does not require it to provide, documentation verifying a debt actually exists, between XXXX XXXX XXXX, and XXXX vXX/XX/XXXX 

By law, 15 USC 1692g, Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

Aargon collection agency should be obligated to follow the laws stated above, by providing verification of its entitlement to any security interest between XXXX XXXX XXXX, and XXXX XX/XX/XXXX
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was the victim of an elaborate internet phishing scam. They gave me a check to deposit to the bank and I took it to the bank and asked the teller and manager to check to see if the check is official. The person who scammed me was posing as an XXXX employee. The tellers said everything was okay and deposited the check. When they asked me to send the money to a third party I realized it was a scam and told the bank that it was. They said they could not do anything until the check bounced and could not protect my account. I filed a police report and contacted XXXX directly about the fraud. They opened their own investigation. Now ; my account was overdraft almost XXXX when the check bounced and I planned on paying the money back once I could, but the bank closed my account. Ive contacted them multiple times about the fraud and theyve said they couldnt do anything and now Ive gotten a letter that my account is closed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a reopened claim from 2020 regarding unemployment benefits through Bank of America that is still ongoing!! Its been going on three years and they just tell me to call back and check in with them. I dont understand how it has been three years and through that my moms passing has put me in a negative financial position because my claim of {$2500.00} is still ongoing. Please help! 
Bank of America is wrong!!!
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Resurgent Capital Services and LVNV Funding LLC have contacted me stating that I owe {$4000.00} to XXXX XXXX XXXX. with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with XXXX.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

This account was never late. During this process in XXXX and XXXX I was XXXX  for XXXX XXXX XXXX. The Nation was just impacted by Covid and several floods in the XXXX of XXXX due to Harvey. We were not able to travel due to the storm and then XXXX happened. I was told that I would not be charged late fees but I was. I was told that an extension would be provided. I spoke with a manager and a representative and was told this issue would be resolved. It has not been. I no longer have an account with this company yet they are still reporting negative information with the credit bureau. This is against the law and I would like this information deleted, please. They are not authorized to report inaccurate information.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (CA)

Nearly every time I try to log into their website, I'm met with a blank white screen. My first payment is coming up even though XXXX XXXX XXXX XXXX and can't even get to my account to try and resolve that issue, let alone set up a payment so that I'm not late. 

For a company that handles billions of dollars in loans, they should have a 24-hr number with actual people that you can talk to. 

It feels very predatory in nature that my first payment is coming due and I somehow can't even access my account.