davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I have spoken to this debt collector multiple times, the first time being XXXX. I have made it clear that the debt was not mine, that I did not live at the property they have claimed I have move out fees from. I was told they would send me a fraud packet, a week later, nothing received and I call again. Im told they are now trying to get a copy of the lease to validate the debt. I then call on XXXX, after still nothing has been received, and Im told they are still working on it, but cant remove the account from my report, even though it has been greater than 30 days since I initially requested information to be mailed. Now I have filed a report with FTC for fraudulent activity/identity theft. As of last week, they have received my report and the letter with my request stating that I demand the account be removed, yet Im told again that they can not do this. It has been XXXX weeks since I began dealing with them, and since I requested this fraudulent account be removed. I have been denied rental property applications due to this account and am staying in a hotel. This is creating an unnecessary expense, due to their refusal to support my fraud report and follow the law in reporting the account.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC (FL)

In early XX/XX/2021 I received a letter from E*TRADE Financial informing me that my wife and I had two cash savings accounts, totaling {$23000.00}, that to them appeared to be inactive. We were given until XX/XX/2021 to reactivate them, or the funds would be sent to the XXXX  Treasury, Unclaimed Property Division. I reactivated them, per instructions from an E*TRADE customer rep, by going online and changing the passwords. As of XX/XX/2021, a week after the deadline, the funds were still in the accounts. On XX/XX/2021 E*TRADE BANK unilaterally, without my knowledge or consent, closed both the accounts, without further contact or explanation. The funds seem to have vaporized from that point forward. 

I go to the XXXX Unclaimed Property website at least once a week, and call them by phone once a month. There is no trace of the funds, after almost 18 months. 

I have spent literally hours on the phone with upwards of 20 E*TRADE customer reps and supervisors all of whom profess to be sympathetic to my plight ; each one of them has promised to get back to me, after researching the issue, and only once have I ever gotten a follow up call. And that was just recently, after I sent E*TRADE a demand letter, asking for my money, or tell me where the funds were sent. As of today I have received absolutely NO information about the whereabouts of our funds.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (GA)

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dana & Pariser Co.,L.P.A. (OH)

Today. XX/XX/2021. XXXX XXXX EST. 

I am a XXXX veteran. I am attempting to settle a debt through this office who is deliberately making my debt settlement impossible. 

In XXXX, we were provided a settlement amount and told we would have to send the money via certified check to this company. We did so, but found out recently, the money never drafted from our account as the check was never deposited on their end. I am unsure, with COVID-19 mail issues, if that is the culprit or if perhaps it was lost in their office. Regardless, I have since canceled the check and I, XXXX XXXX, reached out to establish another settlement amount and inquire if there is an opportunity for us to perform an ACH withdrawal instead of doing the certified check ( to prevent further delivery issues ). 

This companys account representative 's behavior was the most atrocious customer service experience we have ever been through. The demeaning, disrespectful attitude and offensive comments she made, were beyond unacceptable for a professional workplace. If this is how their company operates, it is absolutely unacceptable She consistently interrupted me as I was attempting to explain the situation ( with the uncashed check ) and why we are looking to get this taken care of immediately. 

I stated, " I need this to be resolved, so I can be approved for my new mortgage, as I do not want to be homeless with my children. '' Her response was, " Well, I am having a hard time understanding if you sent in a check with the original settlement amount, how you do not still have that money. '' I stated, " As my wife just said, that is none of your business, but, '' She cut me off and said, " You're right. Call me back when you have the money, otherwise enjoy being homeless. '' I absolutely expect her unprofessional behavior to be addressed. 

I also expect her then follow-up retaliatory behavior to be addressed as well. 

I called back to attempt to talk to a manager, who she stated there would be no point in transferring to because we would be met with a voicemail. She then said, she already spoke to her manager because of " our situation, '' and that your will no longer accept the payment through ACH or debit withdrawal. This is clearly retaliatory and the most immature and unprofessional response to customer concerns I have ever experienced. 

The company is also refusing to provide me with any documentation of the debt I owe, and/or, any settlement amount/payoff documentation up front prior to paying my debt. 

Never in my professional working career, have I ever experienced behavior like this from a customer service representative regardless of whether it is a debt collection company or not. 

They are purposefully making my ability to resolve this debt beyond difficult. 

I expect this matter to be resolved immediately.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have ask Transunion on several occasion to update my report to remove bankruptcy that was filed in error on my behalf. docket # XXXX This was done in error. The us bankruptcy courts stated they did not verify this information with Transunion so I'm unsure how they obtained it. This is not valid nor has it been verified please remove this off of my report promptly. All other bureau XXXX and XXXX have been updated, and Transunion refuse to cooperate.
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was tricked into getting this card. when I got the offer, I called to ask when the XXXX payment would be due if I purchased that day XXXX and was told XXXX. Nope XXXX bill was due less than 30 days and there is " no grace period '' before a late fee is assessed. 
So after negotiating late fees and interest after no other charges have been made since XXXX, I have had to call every month to get a late fee waived due to how I am paid ( bi monthly ) and the due date. 
My bill is now {$110.00} with a {$35.00} late fee due to my missing the min payment by {$4.00} and I am being assessed interest on no new balance. 
I advised I could pay the balance owed MINUS the late fee and interest and they refused to waive the fee. 
I was also advised that my refusal to pay these XXXX fees would reflect on my credit report as a balance due. 
1. CAPITAL ONE are frauds 2. They have no grace period 3. They prey on the poor 4. I was told interest was charged on new purchases 6. I was told in my last conversation with capital one on XXXX that I had a grace period. 
7. I continued to state that the XXXX would be the better due date if I paid the bill from my XXXX pay. 
8. I have {$77.00} for you. Nothing more.
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/XXXX, there were XXXX isolated fraudulent credit card charges on my Chase credit card account, an account which I opened in XX/XX/XXXX. At that time, I contacted Chase about the charges, and Chase replaced my card. I subsequently contacted XXXX to request that a security freeze be placed on my account. I did NOT dispute the Chase account, but XXXX contacted Chase and required that my account be closed. Further, my 11 year Chase credit history was entirely removed from my credit report without my consent. On XX/XX/XXXX, I contacted XXXX and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that XXXX was responsible for the error. She stated that I would need to contact Chase to have the account reinstated, and then XXXX would update my credit history. Chase, however, refused to reinstate my account, even though I had paid in full for all charges other than the XXXX fraudulent charges in XX/XX/XXXX. Chase told me that once all XXXX credit reporting agencies instructed them to reinstate my account, they would do so. After much back and forth between Chase and the credit reporting agencies, none would take action ; I was then placed in a " Catch-22. '' Because XXXX had made the original error, I filed a complaint against XXXX with the CFPB to request that they contact Chase to correct their error. XXXX replied that they had re-inserted the item on my credit report and sent it to Chase for approval. Chase refused to reinstate it, and XXXX now states that, " Chase has removed the account as verified fraud by credit grantor. '' Chase has clearly made an error. If my entire account had been fraudulent, I would not have been paying my bills in full on the account since XX/XX/XXXX. Only the XXXX charges disputed with Chase were fraudulent. In fact, even though I never received a bill for some of my charges in XX/XX/XXXX after they unexpectedly closed my account, I voluntarily contacted Chase in order to determine the balance due, which I then paid in full.
Consumer complaint received 2023-08-19
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. (NY)

XXXX doesn't hold a contract with me to report anything on my Estate or corporational being so there operation against me for starter are fraudulent and those of identity theft aside from this problem, They XXXX continues to report I owe a mortgage for a home I purchased back in 2020 XXXX which on the Warranty Deed I provided XXXX XXXX is not in contract. Fraud again against my Estate abd corporational being without authority to operate. I also opened a complaint with XXXX calling out XXXX XXXX Fraudulently operations that was opened XX/XX/XXXX its stuck on stage 2 since then 7 months later to much corruption within these organizations.
Consumer complaint received 2022-04-10
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. (NC)

The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX  formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation
Consumer complaint received 2022-04-10
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. (NC)

The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On XX/XX/2022 I made a mobile check deposit of {$860.00} to my Citibank checking account. I noticed that when I made my deposit that nothing from my deposit was made available to me. I spoke with a Citibank representative through my Citibank app and they assured me that my funds would be available to me the next business day. I checked my account the next business day XX/XX/2022 and the amount that was available to me was {$1.00}. I immediately went back into my app and started a chat with a Citibank representative again and she then sent me the breakdown of the funds hold schedule. It clearly states in that schedule that a deposit in the amount of {$5200.00} or less {$250.00} of that said money will be available to the customer the next business day. Then it goes on to further say that for New Customers ( persons with an account for 30days or less ) the monies would be available in 5 business days. The first explanation applies to me but the second expiations does not. The fact that I have to wait 5 to 6 business days to access my money is very upsetting to me and non of the Citibank employees cared and were extremely rude. Two supervisors hung up on me and the other supervisor put me on hold and never returned to the phone.
Consumer complaint received 2022-08-26
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)

I have sent in multiple letters with my FTC identity theft report and XXXX and Equifax have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' XXXX and Equifax have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit report?
Consumer complaint received 2022-04-10
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX XXXX  Account # XXXX The Above-mentioned Accounts have 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 an account without my written instructions
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. 

I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-27
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER Account Number : XXXX This is not mine.