davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (VA)

There's incorrect addresses, and phone numbers on my report that I don't recognize. Therefore, I need this to be corrected before I end up being a victim because of wrong information being applied to various organizations that's not correct. See attachments below thank you.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (ND)

I had my unemployment benefits deposited into my chime account. Chime then put my account on hold. I cant access my funds, pay my rent or nothing else. Ive contacted them. Sent them all the supporting documents they wanted and my account and my funds is stink inaccessible.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

OVER THE LAST 4 MONTHS HAVE SENT EMAIL SENT FAX OVER TO EQUIFAX NO REPONSE BACK PLEASE FIX THESE I HAVE CREDIT AND SENT OVER TO YOU WITH DRIVERS LICENCSE AND SOCIAL SEC CARD PLUS 18 PAGES OF DOCUMNETS ITS ME HAVE CREDIT WITH XXXX  AND XXXX,,, IM IN THE MIDDLE OF BUYNG A HOME THIS IS STOPING ME TO GET IT IF THERE ANY FREEZE AND FRAUD PLEASE REMOVE THEM ASAP EQUIFAX
Consumer complaint received 2023-10-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MO)

Complain To : Head of Customer Care, CitiBank.co.in ( XXXX XXXX Savings Account ), XXXX Complaint From : XXXX XXXX Address : XXXX XXXX, XXXX SUBJECT : Deposit ISSUE -- XXXX ACCT Worst Service!! US earned Money wrongfully put into XXXX acct, No Response on Complaint from 3 months Acct Details : XXXX XXXX Accounts Savings XXXX XXXX  Savings XXXX XXXXXXXX I have a XXXX XXXX XXXX XXXX XXXX accounts with CiTi that were open on XX/XX/XXXX. On XX/XX/XXXX, I moved the amount that was matured in a fixed deposit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX account. Originally this money was transacted from a US bank XXXX XXXX XXXX XXXXXXXX ) account to XXXX XXXX XXXX. When I checked the acct in XXXX, to my shock I saw that money was moved to XXXX  acct instead of moving it to XXXX 
I am a US citizen, and I dont have any assets in XXXX XXXX 
This money was moved to my XXXX acct. from my XXXX XXXX XXXXXXXX account in US from my earnings in US. Since I opened the acct, I have been receiving 1099 form that I been filing taxes in US. ( See attached 1099s from XXXX as example ) I have no income in XXXX and how in the world you moved my US originated money in a XXXX account and now Taxing me on that. THIS IS COMPLETELY A FRAUD. Without my permission you moved money to the XXXX acct. 
As soon as I noticed this mistake, have tried calling 3 times in last 40 days and a Citi Phone Officer ( Complaint # : XXXX ) first suggested that I file Repatriation request. When I objected repeatedly that this money is not earned in XXXX and I have 1099s to prove it, they promised me to connect with some special officers in CITI but they never returned my call. 
I am filing a complaint with Attorney General in US and with XXXX. 
CC : XXXX CC : CFPB Consumer Financial protection Bureau, USA XXXX : XXXX Attachments : XXXX ) XXXX Statements for both XXXX & XXXX Acct 2 ) 1099 from Citi XXXX
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (RI)

I sold a laptop on XXXX a person purchased it I got paid for it through PayPal the buyer opened a case against me for not receiving the item, the package was tracked and proven to be delivered case was closed in my favor and money freed up taken out by me I reported the buyer as suspicious because of the outlandish request of item not received and the world ending if he doesnt get paid, very suspicious, two days later buyer opens another case start he wants refund because item was not as listed listed as XXXX XXXX but it was XXXX XXXX I proved easily through listing pics that it clearly shows XXXX XXXX once again a bogus claim by a suspicious buyer, XXXX then sends me a email to send the buyer a return label I stated that I was not due to suspicious request and my case closed and reporting the buyer as a scammer XXXX them just debits my account and tries to take my money back without a resolution or at my request now my account is negative and they are want my money NOT FAIR OR LEGAL
Consumer complaint received 2023-03-15
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. (FL)

I am writing to delete the following information in my credit reporting file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I asked that items be deleted to correct my credit report. I reported the identity theft 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 2019-06-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FC HoldCo LLC (NJ)

XX/XX/XXXX I arranged payment online and received a payment confirmation email with Confirmation Number : XXXX. There were sufficient funds in my account to cover the payment but the amount was not deducted from my account. I checked my bank account for the next few days and contacted the customer service department with the first call at approximately XXXX yesterday, XX/XX/XXXX A rep told me that the payment did not go through due to insufficient funds. I called my bank and was told that no attempt had been made to collect the funds from my account. I authorized the customer service rep to process the payment again. I checked my account on their website and noticed a {$20.00} fee had been added to my account. Another call to customer service at approximately XXXX and this time the customer service superviser (? ) told me that the fee was there because I had not typed in my bank information correctly. I asked for a screen shot of the incorrect bank number but she said it could not be proven to me. Bear in mind that this fee was added on XX/XX/XXXX and I never received any type of alert that there had been a problem with my online payment. The woman who claimed to be supervisor told me she would do a one time waiver of the fee on my account. I checked this morning and it is still on my account with no description of what type of fee it is. The due date on my account was XX/XX/XXXX. I was not aware that this particular finance company did not cover a 10 day grace period for payment. This morning I searched the XXXX reviews of this particular company and found a large number of negative customer complaints with similar complaints to mine especially about their customer service representatives and the lack of timely action and the inaction to handle complaints. As I am unclear about their lack of alerts regarding a problem with a payment and the type of fee they placed on my account, I would appreciate your review of this company especially as there is {$4.00} fee charged for making and online payment. I have been making car loan payments since XXXX and never encountered a poorly managed company as this.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX, I received an offer from Bank of America regarding a cash bonus I would receive if I both closed a refinance mortgage with BofA and opened a new accounts ( s ) with their partner Merrill Lynch totaling {$450000.00}. and kept the account open for 9 months. I closed the mortgage with BofA on XX/XX/XXXX. On XX/XX/XXXX, during a phone call with Merrill Lynch employee XXXX XXXX, he confirmed that I would receive {$1200.00}. within several weeks of the 9 month period which would have been XXXX, XXXX. When Merrill Lynch negligently did not deposit {$1200.00}. into my account and XXXX XXXX would not return my phone calls or e-mails, I reached out to XXXX XXXX as she was my first contact at Merrill Lynch regarding the cash bonus. Ms. XXXX reached out to XXXX XXXX and finally, I received a phone call from him in XX/XX/XXXX in which he assured me that I would receive my cash bonus. That never happened. 
Not only have I not received the cash bonus as promised, I have also been harmed financially. In order to keep my new accounts with Merrill Lynch at an average balance of above {$450000.00}, I liquidated over {$120000.00}. from my high yield savings account at XXXX XXXX during the stock market correction in XXXX of XXXX and transferred the funds to Merrill Lynch. In doing so, I lost hundreds of dollars in interest that I would have earned had I kept my savings in XXXX XXXX.
Consumer complaint received 2022-10-17
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-17
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2021-03-08
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. (FL)

Equifax is currently reporting an account on my credit that they advised me isnt on my credit. Equifax has not been reporting accurately. Please ensure that this account is deleted from my credit considering equifax has sent letter indicating this account isnt reporting. Ive included a copy of my credit report received from equifax that shows that please help
Consumer complaint received 2016-10-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was in a desparate situation when I applied for the loan. as promised I paid my monthly installments but it seemed that the balance was never going down no matter what. I got into a bind and let them know I was having a difficult time paying, the payment was too high for me and the balance barely changed so I had to stop paying my loan. now its doubled again and the balance has increased since I have n't paid it.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (OH)

Slow at reporting payments, They dont make changes to credit unless ive made a dispute through transition or XXXX XXXX Reported 90 days late to bureau on payments But wont Report when payments are made or caught up henceforth dinging my credit
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had noticed there was {$800.00} transferred from my account to another account via XXXX  on XXXX  morning XXXX. I contacted Wells Fargo the same day about the situation to file a fraud claim claiming that it wasnt me. They told me theyd get back to me in XXXX business days. Today was the XXXX business day so I decided to call them to see where the process is at, because XXXX XXXX received a call or any update referring to my case. The agent I spoke to stated that my claim had been denied on XX/XX/XXXX & that there was nothing I can do to dispute the charges. I am now filing this claim in hopes to properly get this resolved.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.
Consumer complaint received 2020-11-10
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. (NC)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report.
Consumer complaint received 2021-03-08
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. (IL)

Equifax ( and only Equifax - not the other credit reporting agencies ) reported four delinquencies totally {$310.00} from the University of XXXX XXXX  XXXX XXXX in XX/XX/2020. The delinquencies were reported by XXXX XXXX XXXX. I called the XXXX XXXX XXXX and XXXX and both were unable to locate any of my information ( SSN, address, etc. ) ; therefore, I submitted a dispute to Equifax, including a personal statement, drivers license and all my personal information. 

I do not live in New Mexico, I have never been to New Mexico, nor have I utilized services online from New Mexico. The accounts are not mine ; however, Equifax and XXXX claimed to verify my information. Equifax told me that a New Mexico address was on my Equifax file ; however, I have never lived in this state. Equifax was totally unwilling to help.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

Phoenix Financial Services has placed a collection on my report in the amount of {$350.00} for a medical debt which is not valid, does not belong to me, but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Phoenix Financial Services. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Consumer complaint received 2022-10-17
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: TD BANK US HOLDING COMPANY (NJ)

I had XXXX so I wasnt able to work so I was late on my payments I reported it to td Bank, XXXX they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act
Consumer complaint received 2020-11-10
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. (NC)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CapitalOne is reporting inaccurate account information to my credit report. 

1. The High Balance differs between credit bureaus.

2. Date of Last Activity differs between credit bureaus.

3. Date Reported differs between credit bureaus.

4. Last Payment differs between credit bureaus.

5. Credit Limited is missing 6. Closed Date differs between credit bureaus.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXXXXXX - Account ending with XXXX XXXX XXXX XXXX XXXX  XXXX. - Account ending with XXXX, XXXX, XXXX, and XXXX XXXX - Account ending with XXXX