davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
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: CITIBANK, N.A. (MD)

I received a report that changes were made to my report with actions taken by Sears/CBNA modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by XXXX  stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from XXXX  stating dispute was completed and view now ; when I try viewing XXXX sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

Sears/CBNA made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by XXXX. Every change is reported to 3rd party credit monitoring service.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My father died on XX/XX/XXXX which we reported to the bank within three business days. On XX/XX/XXXX, 5/3 Bank placed a hold on a deposit by the XXXX. On XX/XX/XXXX, I attempted to close the account and became aware of the hold which caused me not to be able to close the account. 

On XX/XX/XXXX, I became aware that 5/3 Bank was still holding the payment and they were now charging a fee on the account. 

When contacted, 5/3 Bank finally acknowledged that they were holding the payment, that they had been holding the payment for almost 2 years and that they should not have charged the fee. 

They removed the fee, but are continuing to hold the payment until - at a minimum - XX/XX/XXXX some 2 years and one day after placing the hold. 

My complaint is with regard to the violation of federal requirements for holding deposits in excess of seven business days and the failure of the bank to resolve the situation when it was reported to them in person on XX/XX/XXXX. 

My mother and I appeared at the bank in person even though I have co-ownership of the account and durable power of attorney as the bank has previously required her to appear in person to handle other matters. 

The Account Services Representative consulted with the Branch manager and then refused to close the account or to release the hold in XXXX. I was instructed to contact the Social Security Administration to have the hold released (! ), and told that I could not pursue the issue further with 5/3 until they actually began charging me a fee as they asserted to me that the matter was being " looked into '' and that I was not being harmed as they were not actually withholding any funds. There was just a hold on the account. 

To be clear, 5/3 Bank was withholding access to a payment in the approximate amount of {$1800.00}. 

I contend that withholding funds rightfully belonging to my family and preventing my Mother from depositing the funds into an account which would have paid interest - or using the funds to pay debt if she had any - is absolute harm and is a violation of our consumer rights. 

I am additionally convinced that 5/3 Bank does this routinely and has placed similarly situated families in the same position.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A. (IN)

I am a victim of identity theft. My Flagstar Bank accounts were accessed and used without my permission. My account ending in XXXX was resolved as fraud and the stolen funds were returned to me. Someone accessed my other account ending in XXXX, changed my email address, and then set up a fraudulent XXXX account. The fraudster then deposited a fraudulent/fake check in the amount of {$2500.00}, then withdraw 3 amounts against that check using the fraudulent XXXX account XXXX The stolen funds dates and amounts were : XXXX {$460.00}, XXXX {$1000.00}, XXXX {$1200.00}. The fraudulent check was deposited on Friday XX/XX/XXXX, then the fraud withdraws were made against that deposit on the same day and the following Monday XX/XX/XXXX. I contacted the bank as soon as I saw the deposit and withdraws, but it was too late. The signature on the check does not match my own and I do not know the perpetrators who are linked to the XXXX withdrawals. I went through the fraud dispute with my bank and they closed the claim as not fraud without giving any valid reason. I then contacted XXXX for help who submitted my police report and id theft affidavit along with a XXXX letter to Flagstar Bank. These documents were delivered on XX/XX/XXXX. Flagstar Bank has confirmed receipt of these documents, but has not taken any action to reopen the dispute, fulfill the XXXX Request for Records, nor have they responded to any messages left for the fraud team. XXXX and I have contacted Flagstar Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-04
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. (SC)

SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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. (FL)

hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXX funding account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Unauthorized Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (SC)

This has been an ongoing issue for the last two months. I have sent numerous letters to XXXX and XXXX requesting validation on the collection placed on my credit report from Medicredit. This information was not validated with me, and they continue to send me a bill and report validated to these companies. I received a follow-up letter from the companies around XXXX XXXX, 2022, stating that it was validated again. The information they have listed is not correct. The accounts have different numbers, amounts, and dates. 
I have the right to challenge misinformation being reported on my credit reports. 

Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen.
Consumer complaint received 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TN)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-05-15
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. (AR)

On XX/XX/XXXX I spoke with XXXX, a supervisor in the Fraud dispute department at Equifax. I informed XXXX I was inquiring about the account XXXX XXXX Credit Card. I explained to XXXX the initial dispute was received onXX/XX/XXXX regarding this account being opened without my consent. I then advised XXXX the investigation has been over 30 days and Equifax has failed to provide 100 % accurate verification of this account. XXXX told me that XXXX XXXX sent over electronic verification regarding the account that included my name, current address, date of birth, and a social security number. I asked XXXX did XXXX XXXX provide any original documentation or contract containing my signature. She then replied by saying no they were not able to provide any original documentation. I then went on to explain to XXXX this is a clear violation of the Fair Credit Reporting Act section 609 & 611. XXXX said she was aware of the Fair Credit Reporting Act but would to wait on notification from XXXX XXXX before taking any action. I told XXXX XXXX XXXX is no longer in business and the information being reported is in accurate in urself. I also informed of the Police Report I've sent to Equifax including this account and account number. XXXX basically ended the call saying it's nothing else that could be done on their end even though their clearly are violating the Fair Credit Reporting Act which is completely unacceptable.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I am an authorized user for a USBank credit card. They took my social security number when I was added to the account, although I'm not financially liable for the account. USBank is reporting to the three credit bureaus and this is negatively impacting my credit. I was recently declined for a credit card as a result. The only credit card I have a high balance on is this card and my denial letter stated, " The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. The balances on your credit card accounts are high in relation to their credit limits, as reflected in your credit report. ''
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (NV)

I have recived harassing phone calls about debt to an apartment complex that I have paper work for stating I do not owe an money. They call my phone all day harassing me and even at work threatening to take me to jail. I have sent in proof that I do not owe this money and they still call and refuse to take it off my credit. Hunter and warfield is the creditor
Consumer complaint received 2018-05-15
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: EQUIFAX, INC. (LA)

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX 2.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date Opened XX/XX/XXXX 3.XX/XX/XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5.XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act 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 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act capitol one account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-04
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. (SC)

SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name : XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy o
f my credit report reflecting these changes. 

XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

Tj Max decreased my credit limit 800 to 600 for no reasoning as I was always paying my bill on time and actively paying down the card. Never missed a payment! Always pay over the minimum balance. Which drastically dropped my credit score.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I have disputed this bill from the beginning with at and t. I have asked for them to verify the charges and explain to me what exactly they are collecting. I have not gotten one collection call from this company. I called today and spoke to a rep that informed me that this account was placed with them on XX/XX/18 and was immediately submitted to the credit bureau to impact my credit not given me a chance to dispute it with IC systems. The only reason that I am aware of this collection attempt is because I got an alert from XXXX. This is in violation of my rights. I also requested with the rep today that I fall under the sscra for military spouses.
Consumer complaint received 2018-05-15
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: CITIBANK, N.A. (AL)

My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (GA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

Calling for someone I do not know and is not me. I do not have a credit card or have unpaid debt. My telephone number is registered under my name and has been for 10 years. Calls come in at XXXX ( XX/XX/20 ) on a Saturday and have called several times ( XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 ) on spoofed numbers with the XXXX area code. Will not issue a written statement to me or provide me with the recorded calls. They also refuse to contact my attorney, instead contacting me directly.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (MI)

I reached out to Kimball in XX/XX/XXXX in regards to the debt reported. I told them how I had informed XXXX XXXX XXXX Military housing that I was no longer living at the residence due to divorce in XXXX. My ex husband, XXXX XXXX, had stayed in the home and when he moved out, was given the amount owed. He never intended on paying what was owed to housing, while I had not lived there since XX/XX/XXXX. My name and all information should have been removed from military leasing information due to me leaving. I tried to dispute the account, but was told I was responsible.