davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

I have the impression that Equifax has made their " Free '' services non-functional by design so as to sell their paid tier. I shall outline the facts below. 

On XX/XX/XXXX, I went to Equifax.com to check whether my credit score was " frozen '' -- as I had placed a freeze in XX/XX/XXXX after their well publicized data breach. It was impossible to create a functional working login and password on their main website or any of its services : MyEquifax.com, LockAndAlert.Equifax.com, etc.. For each of these Equifax services XXXX I could set up credentials but then the login and password were never recognized when I tried to log in. I called their customer support line around XXXX XXXX EST on XX/XX/XXXX and had to wait 50 minutes to speak to someone who only transferred me to another representative, making me wait another 60 minutes to transfer me to someone else. It was exceedingly difficult to merely place a freeze on my credit file. 

Furthermore, it took a series of emails with Equifax, in which they ignored my essential question about how to " reset '' my password, in order for them to finally send a password-reset email, which arrived on XX/XX/XXXX. When I finally reset my password today ( XX/XX/XXXX ) the new password, again, was unrecognized by MyEquifax.com. 

I believe that this firm has violated and continues to violate my rights to manage the privacy of my credit file. I believe that Equifax has purposely and willfully made its non-paid tier of digital services effectively unusable for XXXX citizens like myself who do not want to pay this firm to actively monitor and help me control the privacy of my own credit file.
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

My credit score keeps going down and the reason given is that theres a high ratio between balances and credit limit. This is incorrect and incomplete information because I pay my two credit card balances in full upon receipt of the monthly statement. What appears in my credit report is merely the minimum payment due, not my actual payment every month. The only thing I carry a balance on is my newly acquired auto loan. I have a zero balance on everything else. This is incomplete and incorrect information on my credit report which causes my XXXX XXXX to be erroneously lower than it should be. 
I am recently widowed and have always had a XXXX XXXX above XXXX. This is causing me a great deal of stress. Thank you in advance for your assistance in this matter. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (FL)

I have XXXX collection accounts that are on my consumer report that have not been investigated to be 100 % complete, accurate, or verified. Also, I have never gave Aldous And Associates direct consent to my private information such as my name, address, etc. I have been abused and decieved due to Aldous And Associates obtaining this private information without my permission. These accounts have hindered my ability to get extensions of credit and impacted my credit worthiness.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (KY)

I moved from this apartment XX/XX/2023 then XXXX weeks later after my lease was up they charge me for repairs cause by smoke damage {$2500.00} an I never smoked in the apartment then they say it was from frying food an not using my exhaust fan over the stove witch is not true plus I was not under lease wit them at the time they accessed these issues so I wouldnt be responsible anyway
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

Aldous & Associates XXXX XXXX XXXX XXXX, UT XXXX Account states XX/XX/XXXX, in the amount of {$87.00}. The account was placed on my credit report as a collection and the account is listed as open. I called the company to ask for some documentation to prove the debt validation and was told a letter was sent to my address. Also, was emailed on XX/XX/XXXX ( today ) the amount owed, how to pay it and that they sent a letter to my home but does not disclose my full address. The email states my file is placed with there office. The agreement is not provided, also this company has never contacted me through email prior to me calling today. 
I did not receive not received a letter of validation or giving the opportunity to dispute the date, before it was placed on my report. If in fact you believe I received the letter please send over a copy of the certificate of mailing with my signature. Furthermore, the debt is over XXXX years old and the statue of limitation has expired on this debt according to CCFA. Also, Aldous & Associate are not licensed to collect debt in the state of New York.
Consumer complaint received 2019-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

There were several overpayments on my mortgage account that I am requesting a refund for. I have written to both XXXX and Loancare and talked to several of their representatives and supervisors with no success. We have been working on this refund request for two months now and Loancare 's customer service department keeps giving me the run-around and telling me the refund request has been escalated and will be completed in 3-5 business days and a check will be overnighted to me. Still no refund check, two months later. This request initially started with XXXX XXXX in XXXX, in the midst of our loan being transferred to Loancare. We initially had two loans with XXXX only XXXX of which was transferred to Loancare. The overpayments were supposed to go to the other loan, still with XXXX. 

It is now XXXX and I was just told that or money was sent to XXXX XXXX  and that Loancare will have to request the refund from XXXX XXXX for these funds. Also, we were told to request an Advocate on Loancare 's website. All that I would like, is to receive the refund of our hard earned funds. This is quite disheartening and very upsetting. That we keep getting tossed around with no resolve. The refund amount that we are requesting is {$36000.00}. We have provided Loancare with all of the proof of payments and written requests and we are still no closer to having the money in our hands. As of today XX/XX/XXXX, our loan is not due until XX/XX/XXXX. 

This entire issue/situation has been disheartening and this issue has truly caused a hardship on me and my family. I hope that you are able to assist.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am filing this complaint against Experian. I have tried to resolve this issue by reaching out directly to Experian. I am a victim of Identity theft and there are several accounts listed on my report that are fraud. I have contacted the bureau on multiple occasions to resolve this issue and they are complying. I have contacted them by phone, online, and by mail to resolve this issue. The accounts listed below must be deleted upon receipt of this complaint. I will contact the BBB and file a class action lawsuit against Experian if this is n't resolved immediately.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in error.
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE (NC)

I was a   XXXX   XXXX   but now im on  XXXX  due to my   XXXX   XXXX   and    XXXX   XXXX   XXXX    are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from   XXXX  . I have papers now that    XXXX   XXXX   XXXX    are about to take me to court for. a letter has been send to them stating I am on  XXXX .
Consumer complaint received 2021-11-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc. (OH)

I am a XXXX XXXX XXXX female, on social security. In XXXX XXXX, I purchased a XXXX B/R house in the city of XXXX, OH, with my husband, who is suffering from XXXX. Over the course of XXXX years, I and my husband paid close to {$250000.00} in monthly installments of {$980.00} a month for a house for which the price was {$92000.00} ( See {$160000.00} the interest we paid to the lender XXXX XXXXl ) On XX/XX/XXXX, Me, my husband and son were kicked out of our house. We were paid {$3000.00} for everything we owned in the house. It was worth around {$75000.00} ) At that instant, at XXXX XXXX, on XX/XX/XXXX, we became homeless! 
With my Social security monthly income of {$310.00} and my husband 's monthly retirement of {$800.00} we were not able to afford to rent any apartment anywhere in Ohio. 
We lived in our XXXX car for 4 months, until after XXXX of that year, by sheer luck we qualified for one B/R unit in a XXXX  dwelling. 
My husband still cries when he is alone. All our life 's hard work and financial savings etc came to naught. 
I WANT JUSTICE. 
FROM THE CORRUPT FINANCIAL INSTITUTION WHO HOODWINKED US BY CHANGING THE TERMS OF OUR MORTGAGE FOR THE WORSE AND WIPING AWAY XXXX  YEARS OF PAYMENTS WITH THEIR CROOKED ACCOUNTING. We were asked to start afresh to pay the whole mortgage of {$92000.00} starting XX/XX/XXXX. 
This should not be the Great America I know, where Law and order are supposed to look out for the ordinary citizens.

All we want is to have our own dwelling, fully paid for, as we have paid about XXXX times the price of the house already! 
We do not want any money. 
A simple, small, ordinary house fully paid for, where my son and we can FEEL SAFE! 
Can some powerful Bureau/Organization help us?
Consumer complaint received 2019-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CT)

Hello, On XX/XX/XXXX, I opened a citibank checking account using the promotion code : XXXX The terms are : Open a new Checking account and Citi Savings account in Citi Bank Account Package by XX/XX/2018. Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account and/or the new eligible savings account. The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi Savings Account. A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ). 
On XX/XX/XXXX ( the 30th day ), I decided I would drive to the nearest branch and deposit the remaining funds to the nearest branch in XXXX, CT. Before making such a long drive, I decided to call to make sure that the deposit would still count towards the promotion. I called at XXXX XXXX and was told that the deposit would still meet the requirements if I made the deposit that day. Therefore, I decided that it a {$400.00} promotion was worth 3 hours of driving and roughly {$25.00} in gas. I made the drive and at XXXX XXXX deposited {$8000.00} in cash to the teller at XXXX XXXX. This brought our balance to {$15000.00}, over the required {$15000.00} deposit within the required timeframe of the promotion.. 

However, now I am being told that I did not meet the deposit within the required timeframe because the deposit was made on a Saturday and Saturday deposits are not counted till the following business day and that therefore I will not be receiving the bonus. This is frustrating, because I was assured on the phone, the day I made the deposit, that it would meet the requirements. No where on the original promotion did it say that weekend deposits do not count till the following business day. 

I have escalated my case twice via the phone with citibank representatives. On XX/XX/XXXX I received an electronic communication saying that I do not meet the requirements because I did not meet the deposit in the required time frame. On XX/XX/XXXX I tried to appeal the decision again, by mailing a letter and a copy of my phone bill indicating that I had spoke to a citibank representative prior to making the deposit. I received no response to this letter, and when I called to check on it in early XX/XX/XXXX no one seemed to have seen the letter. I was given a fax number instead. So on XX/XX/XXXX I faxed the same letter and phone bill showing that I made a call that day prior to the fax and indicating in my letter that I made the deposit on the 30th day even though they did not count the deposit till the following Monday. I called on XX/XX/XXXX and it was as if this letter was never received. 

I appreciate your assistance.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I regularly monitor my credit report and a company XXXX XXXX XXXX appeared on my report alleging I owe them a total of {$700.00}. I called company to inquire about item on my report I ask where did they obtain my information from and what company did you work with in order to obtain my info because this does not belong to me. After speaking to the representative the out right said I owed this money. I sent a validation letter to this company during XXXX -2015 & XXXX -2015 and yet to hear a response back from them.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 



XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$850.00}
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MD)

The Amex Platinum card promised XXXX dollars for travel to offset the annual fee ( {$550.00} ), but it was not clear to me that it was only for incidental charges but not booking flights. There were also perks like monthly $ for XXXX or XXXX where I found that ordering through UberEats could be more expensive than ordering the actual meal at the restaurant + restaurants would stop accepting it without notice so I could not use it the way I anticipated. Then they raised the annual fee going forward for the exact same card without asking consumers if they are interested in it ( you would think that they would have to offer consumers the right to the same terms as they signed up for ) and offering new benefits. One of these was XXXX dollars to book hotels at fine hotels and resorts so long as you book through their portal. I booked a hotel through their portal and was wondering why I did not get my credit back. Turns out that it was for a collection of hotels and resorts ( super expensive ect. ) that THEY call XXXX XXXX  & XXXX, but not any hotel offered through their portal! Eventually I was fed up with them and tried to cancel the card. They gave me a hard time trying to convince me that I should keep it, including requiring me to transfer to a " special team '' whose job it is to convince me to stay, but finally read me the disclosures and " cancelled '' it. Only they never really cancelled it. A week or so later I checked up on it, fortunately, and discovered that they never did cancel it. I had to call back again and go through the same process. Only then did they truly cancel the card.
Consumer complaint received 2021-04-15
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. (PA)

XXXX has placed multiple accounts on my report with no validation. I have contacted them personally and have also sent an affidavit for verification of the accounts and have received no correspondence back in writing. They have blatantly violated my rights as a consumer under Title 15 1681 and continue with willful noncompliance of the federal laws that protect my rights of privacy as a consumer.