davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
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. (CA)

I receive XXXX credit Report of XXXX XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XXXX-XXXX-XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX already removed the Derogatory Remarks, of XXXX auto loan, but XXXX and Equifax hasn't remove it yet.Why? 
Also XXXX  has removed Bankruptcy from my credit report, but XXXX   and Equifax hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XXXX XXXX.This error needs to be corrected as XXXX has XXXXXXXX XXXX XXXXXXXX. 

I respectfully need a expedited removal of derogatory of XXXX  account because I am going through a VA Loan and purchase process with XXXX XXXX  and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX   Military Veteran. 
I am XXXX XXXX and XXXX. 
I appreciate XXXX, Equifax, XXXX support for our Military Veterans. 
With Respect and Honor Always!
Consumer complaint received 2019-03-29
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. (GA)

This is my second written request to verified a public record that appears on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this public record on my credit or deleting of this accounts.An FTC complaint is attached, my drivers licence, social security and utility bill also attach to this complaint, police report will be filed soon. 
Please remove this item from my credit file.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Citibank advertised a non-targeted promotion of opening an account package ( checking and saving ) with required activities ( see attached photo ) to obtain a {$400.00} cash bonus. On XX/XX/2018, I opened the account package in Citibank XXXX XXXX XXXX XXXX with a banker ( XXXX? not sure about his last name ). On XX/XX/XXXX, I completed all required activities ( make a deposit of {$15000.00} new money and maintain it for 60 days ). Citibank said the bonus will be paid in 90 days, which was expected on XX/XX/XXXX. However, it was not received. So I went to the same branch on XX/XX/XXXX and was told that XXXX has left the branch. Another banker XXXX XXXX filed a case and told me the bonus will be received in 14 days. Nonetheless, I still have not received the bonus so far.
Consumer complaint received 2018-11-01
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise.. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  ( account showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-11-01
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a Citizens Bank credit card. I have not made a purchase on the card since XXXX 2011. I have the payment auto deducted from my checking account. The way this card is set up you can only have the minimum payment deducted or the full balance of the card. 
I had, the minimum payment deducted every month. Somehow with no purchases made the interest took the balance over the credit limit. Seven times in the past year they have charged me, a XXXX fee. Called them, they said they would credit me XXXX fee. I do not understand how you can make a minimum monthly payment and the card went over the credit limit with no activity on the card.
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IN)

I filed an initial complaint on XX/XX/18, complaint # XXXX-XXXX with your organization, in which I disputed two payments GM financial reported as missed on my credit when payments were made. I received notice from CFPB that the company stated credit would be repaired and missing payments removed. They were removed and my credit was repaired on XX/XX/18. I considered the matter closed. Now on XX/XX/18 GM financial is now reporting XX/XX/2018 as a late payment and still reporting XX/XX/2018 as a missed payment when their response said that would be reversed.
Consumer complaint received 2018-11-01
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( showing multiple entries on my credit report ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX****, XXXX XXXX XXXX, XXXX XXXX XXXX, and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

I contacted the credit agency after viewing on my credit report that a bill had been sent to collections that I was not aware of years prior. I researched the company and called them. I paid the debt immediately and asked for a letter stating I had paid the collections and was requesting it be deleted from my credit report. They had not done so. Recently I called and spoke to a supervisor who advised me that I would not get a letter of deletion now even though I had requested one. He stated there was no way he would send a letter of deletion because my account was not paid in full, however, I had asked for the debt to be paid and when on the phone with the collector, it was communicated that I needed the debt off of my credit report and I therefore paid the amount they requested I pay. He still refused to send the letter.
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2018-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (MI)

I never signed a contract with Monterey Financial. They threaten to file suit against me. The debt is in collections they are adding interest every month to a account thats in collections and reporting it as late on my credit report. I tried contacting to solve debt by paying they wouldnt accept my offer. The manager doesnt know how to properly communicate. Theyre continuously harassing me calling either to early in the XXXX or to late in the afternoon. I would be satisfied if this debt is removed my account especially since theyre reporting false inaccuracies. If a account is added to collections as a debt that is supposed to be closed but still reporting as late and causing the amount to grow for no accurate reason.
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Im filing a dispute with XXXX financial which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to XXXX financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to XXXX financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX and my grace period of 60 days has not expired. I made a payment to XXXX financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. XXXX financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.
Consumer complaint received 2022-07-11
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. (IL)

These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I joined an XXXX  business on XX/XX/2017, I have put on this card many charges from " XXXX '' from the initial sign up to many coaching programs. and other fees involved. On XX/XX/2017 I used my BARCLAYS card to purchase a XXXX program. The purchase was split between BARCLAYS card and another CC. The total was for {$25000.00}. I put down on this card $ {$10000.00} and {$3700.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my XXXX. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XX/XX/XXXX and was suppose to start as soon as I got a XXXX. I only got in touch with my XXXX  finally in XX/XX/XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the XXXX  never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Barclays when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Other charges were for upgrading the level of the business, and monthly fees for other trainings that were offered with monthly subscriptions that were mailed home with cd trainings on how to improve your business. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. All the training sites were shut down we have no access to them any longer. I contacted Barclays and filed a disbute and they told me the charges would not be able to refund and the ones the they did were only a certain percentage.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I opened an account with US Bank and promptly deposited a personal check from my uncle to help me cover bills from my recently ended unemployment until my first paycheck arrived. I was assured there would only be a three day hold when I deposited the check on XX/XX/18. It is now XX/XX/18, a freeze has been placed on my account, I've been accused of fraud, I've had to leave work early to meet that branch during their office hours and still have received no solution. They will neither let me have my funds nor close my account. As a result, bills have bounced and I've had to address issues with creditors. I have called their 24 hour hotline and they still refuse to help me and insist I go to their branch during business hours.
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im filing a dispute with XXXX XXXX  which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to XXXX financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to XXXX financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX and my grace period of 60 days has not expired. I made a payment to XXXX financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. XXXX financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.
Consumer complaint received 2022-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP (NY)

I XXXX XXXX XXXX was denied an extension of credit by U.S. Bank on XXXX XXXX for a consumer credit transaction thru XXXX XXXX XXXX XXXX XXXX. It is indeed against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). U.S. Bank assumes civil liability pursuant to 15 U.S. Code 1691 ( k ). U.S. Bank has violated my federally protected consumer rights. 15 U.S. Code 1681m, 15 U.S. Code 1642, 12 CFR 1002, I have proof and evidence of U.S Banks discrimination in the letter dated XXXX XXXX making U.S. Bank criminally liable. THIS WILL BE CONSIDERED AN UNAUTHORIZED USE SINCE I HAVE RECEIVED NO BENEFIT!
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

The following charges were made fraudulent by someone who stole my wallet. Discover bank refuses to credit be back the charges. 

1 ) XX/XX/XXXX {$15000.00} XXXX XXXX ( XXXX XXXX, NY ) 2 ) XX/XX/XXXX {$360.00} XXXX XXXX ( XXXX XXXX, NY ) 3 ) XX/XX/XXXX {$510.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 4 ) XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX ( XXXX XXXX, NY ) 5 ) XX/XX/XXXX {$660.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 6 ) XX/XX/XXXX {$800.00} XXXX XXXX ( XXXX XXXX, NY ) 7 ) XX/XX/XXXX {$190.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 8 ) XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 9 ) XX/XX/XXXX {$300.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 10 ) XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 11 ) XX/XX/XXXX {$21.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 12 ) XX/XX/XXXX {$15.00} XXXX XXXX XXXX ( XXXX XXXX, NY )
Consumer complaint received 2022-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was emailed through the school system of Oregon XXXX that a remote job opportunity was available paying {$350.00} a week, as an assistant to a professor. I responded showing my interest. On XX/XX/XXXX They said the next step to acquiring the job was to make a list of supplies that I would need as an assistant. A laptop, a printer, a stack of papers, and a self-inking date stamp. They sent me a Bank XXXX XXXX check for the total amount of the supplies plus first weeks pay. {$1000.00}. I thought I had a job. The check was being processed, but I had {$400.00} immediately available. I was asked by the professor to send {$680.00} through XXXX to a sales representative for them to purchase the printer and self-inking stamp. I thought that if anything were to happen and the job didn't work out I would only lose around {$280.00}. I tried to send the transfer. Wells Fargo properly flagged it down. I received a call from customer support for Wells Fargo at XXXX PM on XX/XX/XXXX. The person on the other line asked if I knew the person I was sending the money to. I replied no. The person on the other end got impatient, " Well did you authorize the transaction? '' This is where I think they made a big mistake. The operator just wanted me to say enough to cover Wells Fargo in the case of fraud. It was not their intended purpose of keeping people 's money secure by asking more questions and making sure this was not a scam or fraud attempt. After the funds were sent I was more hesitant to send more money. The check was said to clear on the XXXX the XXXX funds didn't send until the XXXX. On the XXXX, I realized I was scammed and took screenshots of all the conversations. On the XXXX, the day after the funds were sent, I called Wells Fargo to file a fraud/scam claim. They took down this information and said they filed a claim. It is XX/XX/XXXX and I have received no communication from them. I have since changed my passwords, username, and turned off digital wallets, but there should have been more done by Wells Fargo. Especially considering how close the date of the claim was to the sending of the money. 

Attached is screenshots I took on XX/XX/XXXX of all the messages both over email and text. There are also two screenshots of the calls between myself and Wells Fargo.
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent out a letter to Trans union, XXXX and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
Consumer complaint received 2022-03-13
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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.