davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (HI)

I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2018-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have stuff in collections thats are not mine. Student loans and phone services are not mine. XXXX and etc. Also other things that was inaccurate that i dont evsn know about or even know how someone was able to do that. i was also a victim a identity theft
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2019, my girlfriend and I went into the Huntington Bank at XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( XXXX ) XXXX ( what is listed above in the form I filled out is the corporate office ). Waited over 30 minutes to see someone about setting up a new business account. Note : I'm already an existing 11 year customer with a healthy business account and personal account. We ended up getting the Branch Manager,  XXXX XXXX. Get in her office and she stops me mid sentence and says and she won't deposit the check because " company '' was abbreviated to " comp '' ( which ended up being because of software character limits in the company name ). If that's not enough, she didn't even bother to setup the new business account or even offer to set one up, or look up my existing account. I need to be very clear here, she didn't even " wake '' up her computer or use it at all, she didn't even swivel around to look at her computer. 

We then went to the Huntington Bank on XXXX and the Branch Manager had no problem! Setup my new account and deposited my check. A week later, got my new debit card in the mail and the company name was abbreviated to " Comp '' - yes. Seriously! So according to XXXX XXXX, this debit card would not be valid. Right? Did I mention I had my girlfriend with me when I went in? That is discrimination. This lady needs a job that caters to her discrimination because at the end of the day, no training can remove her subconscious hatred that affects her ability to do her job fairly. 

I called the following week and filed a complaint with Huntington Bank. XXXX XXXX ( phone number XXXX ) called me back from the corporate office and basically just listened, in a later conversation, he admitted he took no action. There was some miscommunication and another person named " XXXX '' ( phone number XXXX ) called from a XXXX area code stating to be from Huntington Bank. He told me he spoke to XXXX XXXX and the reason she didn't setup the account is because the mailing address of the business was at a XXXX store. Remember I said she never once used her computer? I have a witness, she does not. That is her defense. It's an outright lie and falls flat when I say it is the same address of my business account that I've has with them for years. There is really no other explanation than discrimination if I am able to take the check and DBA across town and get the account setup and check deposited.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MN)

When applying for a credit card through Chase Bank ( in partnership with XXXX XXXX ) as advertised in the check-out process on XXXX 's  website ( XXXX ) I was supposed to receive a {$100.00} credit for the transaction through the website today of purchasing airfare on XXXX 's website, as well as miles from the purchase. Neither of those things happened. 

In speaking with XXXX and Chase Bank, it appears that somehow on the back end my information was lost in the purchase process, and, that Chase Bank has no record of me applying for the card found at the link below. 

The link below is like the one I clicked during my transaction, and it clearly states that should be receiving a {$100.00} statement credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I hired a title company call XXXX XXXX last year. The owner name is XXXX XXXX. The buyers title company was XXXX XXXX XXXXXXXX XXXX. they wired the money to the mortgage company which is Chase Bank. However, the routing number was right but the account number was wrong. The wired transfer was intercepted and the bank never received their money. This has affected my credit report and the back is trying to foreclosed on a house that does not belong to me anymore. My lawyer and I made several attempt to rectify the matter but they have not done anything. I am looking to see if anyone can help me with this matter
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER XXXX AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase closed my account on XX/XX/XXXX after my payroll check was deposited. I was told my account was closed for an unknown reason and that my money would be released to me in a cashier 's check in 10 days. I have been calling weekly and being told lies each week. Still no check. I was told last week that the check was printed on the XXXX of XXXX and would be mailed on the XXXX of XXXX. Today, XX/XX/XXXX, I was told that the check has not been printed and Chase doesn't know when it will be printed. I have not bounced a check or ever done anything for Chase to cancel my account, but surely they should give me my money. It's my direct deposit payroll check.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

My name is XXXX XXXX and on XXXX XXXX I transfer money to XXXX XXXX through XXXXe/zelle {$1200.00} to cell # XXXX it was the wrong number, I was notify by XXXX XXXX the next day, she never received the {$1200.00} on XX/XX/2021 I contacted XXXXZelle open a claim # XXXX they told me that they will contact the bank for the recipient to return the money, I have called the cell number XXXX no answer, I text them twice asking them to please return my {$1200.00} no reply by him/her the XXXXzelle told me that they will return my money back on XXXX XXXX but they never did. 
so I called XXXXzelle customer service XXXX XX/XX/2021 and they told me, they have mail me a letter with a deny result and that I have no right for claiming my money So in XXXX/ZELLE their law it is ok for a stranger to still my money because the banks are giving them permission for strangers to keep others customers money, with no punishment, which means I am the criminal here for making a human mistake, my punishment is losing my {$1200.00} I would like your help, I need to find the identity of this individual so I can report him/her to the police department please, I am XXXX XXXX XXXX and retire I must recover this money the bank XXXX told me they very sorry they can not help me, I asked them information about the individual that they allow to keep my money and they also denied me to report this person that stole my money, they told me " we sorry we need to protect the customer identity for secure purpose " So who protect me? 

XXXX never mail me the denied letter I need to know why they lie, I called them asking them about my mail letter they did not want to mail me another one I think they are hidden something maybe ZELLE is stilling my money
Consumer complaint received 2023-04-07
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

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 2018-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (CT)

i have received several calls from a number XXXX and similar numbers XXXX I answered. I got a woman who asks for me and began to ask other personal information i stated who is this and what is it in reference to she told me her company was Receivables performance management. I said i do not do business with you what is this in reference to- she kept asking me to confirm details and i again said i do not do business with you who and what is this in reference to. she said a personal matter. I told you who i am and i am the person so until you can give me the information i asked you for i am not confirming anything. I called back originally to see if the number was spoofed and people answered the phone i was transferred to a few people because no one would answer my questions. I got a call at work answered it and the same thing arguing with people when i asked for 1 simple piece of information. I told her this is why i am filing a complaint she stated they are not handling complaints right now!!! what ridiculousness is that! Also if they are a 3rd party collection agency they have violated fair debt because they keep calling even after I told them not to contact until they can tell me what its in reference to and they also violated the number of times you can call legally
Consumer complaint received 2020-11-05
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)

I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.
Consumer complaint received 2018-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC (FL)

I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month. 

I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month. 

Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected. 

I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn't sure why anyone would be calling me. 

Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act. 

I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I enrolled in a Checking/Savings account opening offer with terms as below with Citibank. 
- Open new Checking and Savings account in Citibank Account package - Within 30 days deposit {$15000.00} into the checking and savings account - Maintain the balance of XXXX for 60 days - The Bank will deposit a bonus of {$400.00} within 90 days of completing all above steps. 

I opened the 2 accounts online on XX/XX/2018 and submitted for opening-deposit to be transferred from my external account for the amount of {$15000.00}. 

However Citibank failed to transfer the opening deposit even after 15 days. So I enquired about it and was told that there was some error in their system and I need to do it myself. 

So I did the below deposits as soon as I received new account documents : XX/XX/2018 - XXXX to Checking account in person at branch XX/XX/2018 - XXXX to Savings account in person at branch XX/XX/2018 - XXXX to Checking account via direct deposit In total within the 30 days of opening the account, I had {$15000.00} balance in both the accounts spread as below : Checking account - {$14000.00} Savings account - {$100.00} I maintained this balance until XX/XX/2018 ( > 60 days ). 

I did not receive the promised bonus until the end of XXXX. When I enquired with online chat representative on XX/XX/2018, the representative confirmed that I have met the requirements of promotion on XX/XX/2018 and would receive the bonus by XX/XX/2018. 

However on XX/XX/2018 I received an email that I am not eligible for the bonus because " The required deposit balances were not maintained during the offer period ''. I called the customer service and talked to an agent about it. The agent went through all the details and again said that it appears that I've met all the requirements and should receive the bonus. She opened a case fo me. 

The case was closed by Citibank after a few days stating the same reason without any more details. 

One anomaly that had happened was that on XX/XX/2018, a Monthly service fee of {$25.00} was posted to my Savings account. However, according to the terms of the account if XXXX or more is maintained in linked checking accounts the service fee is waived. I called up the customer service about this and they acknowledged that there was an error in their system and reverted the incorrect service fee withdrawal by crediting {$25.00} back to my account on XX/XX/2018. 

Due to the above mistake on the banks end the balance on my account went below {$15000.00} that is needed for the bonus offer. 

Since the above is an error on the bank 's end and not a fault of mine I strongly urge the bank to honor the Bonus offer that was extended to me and deposit the Bonus offer to my account at the earliest. I have followed all the steps to receive the bonus and completed all the activities as I've outlined above.