davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OH)

I have been a custom er of Citibank for 29 years. I pay my balance in full every month. Citi o ccasionally sends me junk mail that I throw in the garbage. Apparently they sent blank checks to be used for a balance transfer. On  XXXX  some one signed my name to one of those checks and made it to himself ( or another individual ) for {$600.00}. Citi assessed a {$30.00} fee. I paid the {$630.00} because I 'm applying for a mortgage and I do n't want to show I have overdue charges. Since then I have called the bank 6 times and have asked for my money back. Every time they put me on hold for a while and then they say the money will be in my account in 2 working days, they will send an affidavit for me to sign, etc. It 's now been 5 weeks and nothing has happened. I asked them to cancel all other checks that were issued and not to send me any more. Someone did try to cash another check for {$300.00} but luckily it was n't accepted. I 'm appalled they treat me like  this. I 'm buying a new house and {$630.00} is significant. I do n't know how much longer they need to investigate, but they should give the money back in while they do that, or they should speed up the fraud investigation.
Consumer complaint received 2019-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019, I submitted a letter to Trans Union concerning XXXX XXXX  account # : XXXX. I received a letter from Trans Union on XX/XX/2019, File # : XXXX, stating the disputed item was deleted from my credit report. Shortly thereafter I received a credit report from Trans Union on XX/XX/2019, the deleted item was reinserted back on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( a ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I DID NOT receive NO such notification! This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their disregard for the law. 
I DO NOT consent for Trans Union to use XXXX or any other automated verification with this matter. 
I never receive anything in writing from Trans Union concerning the reinsertion.
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I have been a Loyal Wells Fargo Bank customer since XX/XX/XXXX. Just Recently I received a letter from Wells Fargo Bank advising me that my credit limit would be reduced by {$1400.00}. The reason being that the amount I owed on other credit cards was too high, that I had too many cash advances in one year, and that my payment to Wells Fargo was too low relative to the balance I owe. On this last point I understand that if I make the minimum payment only, I will pay a lot more in interest charges. I have been paying a little more than the minimum which Wells Fargo sets so I do not understand why this would be a issue as long I am current with my payments, which I have always been. 
I feel Wells Fargo lowered my current limit intentionally so they would be able to charge me more fees in case I went over my limit. In over 20 years of banking with Wells Fargo I have yet to default on any account. I am going through a personal financial crisis right now but I have managed to keep all my payments on time. I expect by years end to have my situation under control and I have been gainfully employed at the same company for 20 years. I believe Wells Fargo uses this type of situation to take advantage of customers and turn a bigger profit also by lowering my credit limit they cause my credit score to go down. Thank You
Consumer complaint received 2019-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION (NY)

Company : Leader One Financial [ Mortgage Company ] Location : XXXX, Texas On Tuesday, XX/XX/2019, I received an email from XXXX XXXX asking if I found a home in the XXXX, Texas XXXX over the weekend. I informed XXXX that I found a home and that I am currently under contract at this time. XXXX called my realtor and got into an argument with her, because he felt that she should have provided him with the information about the terms of the loan and that she ( realtor ) should convince me give him the opportunity to match/beat the loan. XXXX began to argue with the realtor and when things did not go his way, he hung the phone up on her. I ( consumer ) received an email from XXXX asking for the opportunity to beat the loan. My realtor notified me about the incident that took place between XXXX and her ; which made me upset and I did not want to do business with this firm anymore. 

On Wednesday, XX/XX/2019, I received a call from XXXX XXXX ( employee at Leader One )  about the incident. XXXX XXXX tried to persuade me to provide him with the information about the loan, which I did not have that information in my possession at that time due to being busy with other events. XXXX suggested that I find that information and provide it to him, so that he could match the deal. After our call, I received a second call from XXXX XXXX on the same day regarding this information, however, his tone was abrasive, aggressive and demanding. XXXX XXXX began screaming and yelling at me, because I had not provided him with the information that he requested two hours prior. He kept screaming : you have not gave us the opportunity to match the loan. I had not raised my voice at XXXX XXXX at anytime ; but he felt that he could use his position, XXXX ( male ), ethnicity ( XXXX American ) and age to intimidate me. I was not moved and was firm about my decision. XXXX XXXX tried to use reverse psychology on me, which did not work since I have a degree in this field of study and I informed him of this matter. XXXX XXXX began to yell : I am done with you. I have done everything to try to help you. I am done with you. I explained to XXXX XXXX that he has done nothing for me and that I have done everything on my own to get myself into position to receive a mortgage. 

After our conversation, I contacted the corporate office and spoke to XXXX ( I did not get his last name ) about the incident. XXXX listened to my concerns, but seemed to take stand in position with his staff and justify their behavior. Although he informed me that he would speak to his staff about this matter, I was not convinced that he took this matter seriously. For all of the reason stated above, I am filing this complaint to notify government officials about this matter and stop this from happening to anyone trying to obtain a mortgage loan from this firm.
Consumer complaint received 2019-05-25
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. (AR)

WE NEED XXXX XXXX ARRANGE A CONFRENCE CALL BETWEEN, EXPERIAN, XXXX XXXX XXXX AND MYSELF AND XXXX XXXX, POA ADVOCATE.TO CORRECT THE WRONGFUL AND INACCURATE AGREVATED CREDIT REPORTING, AS THEY ARE AWARE, AAL OTHERS BUREAUS DELETED THIS ACCOUNT ALREADY.PLEASE CALL ( XXXX ) XXXX. XXXX XXXX, AS OF TODATE IS REPORTING A CHARGE OFF {$17.00}, XXXX, WHEN IN FACT HAS A BALANCED OWED OF ONLY XXXX, XXXX, SEE ATTACHED.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete fraud alerts off of my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Had multiple issues with XXXX, cellular service, and being overcharged monthly on my bill after a year of complaining and having to constantly review the statement and balance, I changed carriers to XXXX XXXX XXXX and paid off every outstanding balance with XXXX. They processed the final bill of {$160.00}. I called sprint immediately and disputed it. They told me it was an error on their behalf and they would take care of it. I was a sprint customer for over 12 years and never paid a bill late or had a balance, XXXX was sold to XXXX after the sale went through I received a bill again of {$160.00} which I disputed immediately. This has been going on for over XXXX years now Jefferson capital systems has put this into collections on my credit report. I would like full documentation of the final bill With all credits and the outstanding balance that is owed.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WI)

we randomly received a bill from XXXX for duties and taxes or something like that. we never ordered anything and we are very confused. XXXX then sent it to debt collectors and now we are being harassed for debt that is not ours
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am a natural person. I am a living human being ; I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they've violated my rights numerous times. I demand the Accounts listed below be remove because According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX, Acct # XXXX.
Consumer complaint received 2019-05-25
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 — Problem with personal statement of dispute
Company: R & B Corporation of Virginia (VA)

I called credit control to advise them that I did not have an agreement with them for any amounts owed and I had a conversation with one of three agents and I was threatened that if I didnt pay they would sue me and garnish my wages. That is illegal according to the FTC act.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (PA)

I recognized unknown companies reporting to my credit, contacted them to ask for debt validation and proof of any contract I have with them or any product or service I received doing business with them. I was willfully met with negligence and noncompliance. Ive also filed a police report and ftc report for identity theft. This is very injurious to me and my family as I have a XXXX XXXX XXXX and cant get a car or approved for an XXXX  due to these companies reporting to my credit without consent or proof of debt or a contract. In accordance with the FCRA and FDCPA. There is multiple violations here.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Original Transfer Amount : {$2500.00} Date : XX/XX/XXXX WF XXXX ( XXXX ) WF XXXX ( XX/XX/XXXX ) This is my second complaint opened for the same issue ( XXXX ), I would like to include more details this go about. Currently my claim status is closed and the bank is " awaiting recovery '' of the funds from the external bank. At this point there are two problem that I would like to address, firstly I have not received communication as to what went wrong with the original transfer, the bank is saying it is completed yet they can not get in touch with the receiving bank to verify this. Secondly I sent a successful wire through a branch using the same information I typed online and it was successful. It is my assumption that Wells Fargo somehow sent the instructions incorrectly to the receiving bank and because of this the receiving bank ( XXXX ) either did not deposit the funds to the correct account or they deposited into their bank general ledger. I think this because at no point have I been informed of an error made by myself. If the bank is responsible for the error than they should write off the transfer as a loss and credit the funds back to my account. Also I am not sure how they can assume it was completed if they can not even verify it with the external bank. I was told when I called in that their wire operations team could not get in contact with the bank. It is my feeling that WF is covering up there mistake and passing the blame on me without saying either way. If the instructions were provided in-correctly then the wire should have been reversed by default. This has been an ongoing issue for over 3 months at this point, I am livid with the pace of this and require answers. I am coming to the conclusion that Wells Fargo is purposely with-holding my funds due to the impending recession.
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am making this complaint because I realized the FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, says that a debt collector can't report a debt to the XXXX major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency. 

This company did not contact me or make me aware of this alleged debt specifically prior to placing it onto my consumer report!
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

There is a Hard Inquiry on XX/XX/19 from Citibank NA ( CBNA ) on my XXXX  credit report that I did not authorize. The unauthorized inquiry was for an Office Depot Credit line. I have filed a dispute with XXXX to have this inaccurate information removed from my credit file. I was a victim of ID theft in the past so I monitor my credit file regularly for any fraudulent activities. Thank you for your assistance with this matter.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-08-16
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: PlusFour, Inc (NV)

So I had a XXXX XXXX that insurance paid for. I disputed it online multiple times. And on XX/XX/XXXX I sent in a letter dispute and I never got thr results back. After I sent the letter off, the post office mailed a receipt saying that the letter was sent.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name XXXX XXXX, I've been XXXX from the US Military since 1971. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in 1971. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

In XXXX of 2019 I paid my balance in full of {$50.00} to XXXX XXXX XXXX. I received an email from XXXX last week saying that there was a new account added to my account from a company called ConServe. I called XXXX and XXXX to dispute. They both informed me that this account was reported XX/XX/2019, AFTER i had paid my balance. I called the company last Friday XX/XX/XXXX and asked them to look into the matter and remove the account ( the first time I had ever had contact with this company ). I have no contract with them, nor knew of them until after the fact. I called XXXX today and they said the company had update the information to say " Paid in full ''. I asked them to submit another dispute. This account was report AFTER I paid in full.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect