davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NY)

XXXX XXXX XXXX. XXXX is the new managing agent as of XX/XX/18. I have called over 3+ times to inform US BANK of the change in addition to faxing, and writing a formal letter with a management agreement attached signed by the president of the board for this building. This is a co-op in NYC-it is a residential building which operates as corporation comprised of a board ( with board members that are elected annually ) we are the new management company and we handle all the affairs/operation of this corporation/building. The mortgage company refuses to forward the statements to our office. They refuse to grant us online access to review the information online. Although they are gladly accepting payments from us and applying them accordingly to the account. The building reserves the legal right to receive a statement. The loan in itself is almost maturing but the board is unable to view any statements since they have switched management companies. Another conflicting issue is that some way the previous management company ( which managed the building less than 1 year ) was able to receive statements/mailings from US BANK.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2018 I deposited {$10000.00} by XXXX to open a new HSBC account based on a promise of {$350.00}. After it took HSBC an unusually long period to credit that electronic deposit, I wrote them via their secure message feature to complain and to memorialize that I only opened the account for the {$350.00}. Since then, I have sent more than a dozen follow-up messages asking when I would receive the {$350.00} and I was told it takes time ( app. 90 days and it's been app. 170 days ) until now, when they did not even bother to promise the {$350.00} or offer an excuse but said instead that I can have my money back less a {$25.00} " penalty '' that they never even disclosed.
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. (NV)

I received a copy of my credit report the the intention of trying to improve my credit and I have ran into an account that does not belong to me. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Accounts Name Radius, global solutions Account number XXXX Please investigate if every piece is correct if not, please remove it from my credit report Account Name XXXX XXXX CO L Account Number XXXX
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to EQUIFAX, XXXX and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask EQUIFAX, XXXX and XXXX to sent me everything they have that proofs the account is mine but nothing happens.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

company didn't send me the information i ask for but did get XXXX to note on my account that it is confirmed and verified. How could that be when the account doesn't have any payment history, no open date, no terms of original contract, no DISPUTE history noted yet it was confirmed as accurate by the credit agency XXXX. The agency 's name : Midland Credit management, Actt # XXXX, amount : XXXX. This collector didn't care enougt to give me the information i ask for but passed me by and reported it on my credit report as accurate and justified as complete and accurate. Never mind all the missing informatoin. This has seriously hurt me and my families credit worthiness. Iam retired XXXXyrs old military man and in need of your help with this issue.please have them correct this inaccurate and incomplete account or Delete it from my account. thanks, XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

This is not a duplicate claim. 

Attempting to obtain Price Protection benefit. Purchased a XXXX XXXX set on XX/XX/XXXX Found a lower price on XX/XX/XXXX and submitted - Claim : XXXX Was told that it wasn't for sale, despite website indicating it is. Found another lower price and reopened the claim - Now Claim : XXXX This time the claim was denied because " item you are claiming was not purchased with an eligible credit card account '' So I call on XX/XX/XXXX and the representative, after being given both claim numbers, says that there's no store selling the item and there's nothing in the records about the email saying the card isn't eligible.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (FL)

CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Consumer complaint received 2021-09-18
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: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and misleading things on my credit report. To this day, over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been 31 days so they should be deleted at once. I demand these items be deleted immediately or I will file for litigation due to the harm and stress Ive been subjected to. My information was also impacted by the Equifax data breach and I fear it may have gotten into the wrong hands.
Consumer complaint received 2019-08-28
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. (FL)

Here is the item in question XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD Accounts should be deleted because its ruining my eligibility standing as a Doctoral candidate. The department of education suggested me to file a dispute for these two accounts.
Consumer complaint received 2022-06-13
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive sent in multiple of letters to XXXX, XXXX XXXX TransUnion to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for me
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank decided to close my account I had XXXX dollars I went to the branch that is near my house and I was told that the money was withdrawn from the account on XX/XX/2022 and that they didnt know where the money was to call the de marketing department I was given a number I have been calling since then and its just an answering system where you have to leave your name and number for a call back I have not received a call back from them nor have I received my money. I tried calling customer service and they tell me the same thing that they are not able to identity where the money is and to go into a branch. They have me back and forth with no answer and I just want my money back. I dont understand what the problem and at this point dont really care I just need my money back.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been unable to the Remove Extended Fraud Alert & the Promotional Opt-out. Transunion also faild to attach my current phone number on my extended fraud alert making it impossible for creditors to contact me. 

This is unacceptable and I want this alert removed immediately. And I want to Opt-in the promotional services
Consumer complaint received 2020-12-18
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. (PR)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15 U.S.C 1681 section 302 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 2022-05-04
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. (FL)

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

15 U.S.C 1681 section 302 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 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have been a member of Sears Card/Citigroup in good standing since XX/XX/XXXX. When my card expired in XX/XX/XXXX, and I didn't receive my replacement card, I called ( XXXX ) XXXX and was told my account had been reviewed and closed due to non-response of a letter Sears Card had mailed. I have lived at my address since XX/XX/XXXX. I may have been a victim of mail theft, but regardless, Sears Card never emailed or phone me about such a letter. They have this information as it appears online on my account. They simply terminated my 17-year history. I followed all of their rules, paid on time and this is my reward. I believe this is unfair and an unjustified reason to close my account and negatively affect my credit score. I would appreciate your investigation to restore my account and credit history with this company.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15 U.S.C 1681 section 302 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 2022-05-04
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: VW Credit, Inc (GA)

Audi financial DID NOT GIVE NOTICE THAT THEY WERE USING A NEW WEBSITE AND PAYMENT PORTAL. I WAS NOT ABLE TO SUBMIT MY PAYMENT USING THE OLD PORTAL. I HAVE NEVER BEEN LATE OR MISSED A PAYMENT IN 14 YEARS. AUDI IS AT FAULT FOR THER INABILITY TO RECEIVE THE PAYMENT ON TIME AS THIS WAS MY PRIMARY METHOD OF PAYMENT. THEY COMPLETELY CHANGED TO A NEW WEBSITE WITHOUT TELLING THE CUSTOMER
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

My name is XXXX XXXX XXXX and I would like to complain about my banks handling of an ATM incident. On XX/XX/22 around XXXX, I attempted to withdraw {$500.00} from the Regions ATM located at the XXXX XXXX XXXX on my statement as Student XXXX XXXX XXXX LA XXXX XXXX. The machine went dark and I did not get my money. When I checked my account via my app, I noticed that they had deducted the {$500.00}, however. The last XXXX digits of the card I used was XXXX. 

I then filed a claim with my bank and was told it would be XXXX business days for them to complete an investigation. After XXXX  days passed, I called again and was told XXXX days for processing. After XXXX  days, I was told it would be up to XXXX business days to process, and on the XXXX day, they sent me a letter declining to reimburse me for my loss without mentioning why. 

I did manage to snap a photo of the blank ATM at the time and I have included this in my complaint as well as a screen grab of the location and time stamp on it.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

I opened an online PayPal Credit Account with PayPal Credit purchasing a laptop and printer in XXXX. Thereafter, I set up an online account to make payments online. In approximately XXXX, I requested that the account be closed and continued to try to pay account until I could get it to a XXXX balance. My payments were due on the XXXX of each month. As a Teacher, I requested that PayPal change my due date to the end of the month, which corresponds to my pay date so as not to incur late fees. PayPal has not complied, I also requested that my contact information be updated on XX/XX/XXXX so that I can continue to make online payments through my computer or cellphone. PayPal has limited access to my online account, by not updating contact information which prohibits me from making payments on the same day. Instead, they mailed me a statement to pay on the account which would take longer to get to them thereby incurring additional late fees. The account has been reported negatively to the Credit Bureau thereby negatively impacting my Credit Score. I have made repeated attempts to talk to : PayPal Credit/SYNCB XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX no avail. At this rate, my account is impossible to pay off. Please help me!
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (UT)

I informed Experian the Public Record - Bankruptcy being reported on my report was not mine and asked to have it removed. In fact, of the 3 credit reporting agencies, only Experian is reporting this Public Record. 
It was verified as accurate and remained on my report. This is causing a huge financial burden as I am trying to qualify for a VA XXXX loan. 
I requested evidence this Public Record was mine and the mode in which they verified the account. I was not provided with any information. 
***SEE ATTACHED LETTER FROM BANKRUPTCY COURT*** The court does not verify ANY bankruptcies and on partial personal information is provided, which makes it NOT VERIFIABLE!!!
Consumer complaint received 2022-05-04
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. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NE)

On XX/XX/XXXX XXXX I got ready for work. XXXX I check my US Bank account it has XXXX dollars in it, thats fine Im waiting to get paid around XXXX so my insurance can get taken out with no problem, XXXX I check account, XXXX thats fine Im about to get paid its gon na even out here in 10-15 minutes. I work till lunch and I check my account and they took 4 overdraft fees of XXXX dollars each, thats {$140.00} total for the 15 minutes it was negative. Ive called them multiple times and they only refunded me back one overdraft for XXXX dollars. They took the rest of my money, I had just paid insurance and they left me with XXXX so I had to get a loan of XXXX dollars from the XXXX app jus so I wouldnt get anymore overdraft fees and I pulled my stocks just to be safe n have money in my account. None of these went into action until the 17th so for them to take my money and not give it back makes no sense I would understand if I was days late but it was 15-30 minutes I dont understand. And when I look at my account it doesnt even say it was negative, I had made sure everything even out and I never over-drafted, I had deposited money into XXXX and I made sure I didnt overdraft and thats how was left with the XXXX dollars. I knew I was getting paid and and was like okay its all on the same day itll cancel each other out no problem then my account will be up again but that didnt happen. Just doesnt make sense
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau and XXXX XXXX are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (PA)

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.