davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

My husband deposited his payroll check, in the amount of {$1400.00}, on Friday, XX/XX//18, after hours at the ATM of our bank, Citibank. He then received a receipt with an error message that said, there was a technical issue and the check can't be deposited or returned. There was also a customer service number on the receipt. We called on XX/XX/18 and they were less than helpful. They filled out a request for investigation but said it would be up to 10 days before we received our money back. I understand their policy but what I don't understand is why the customer has to have their funds tied up and be put in an uncomfortable position while the bank figures out its ' technical issues. I now have bills that are late and can't even put gas in the car to get to work. Their customer service department even told me that we shouldn't deposit checks after hours because " you never know with technology ''. I banked with XXXX for many years and never had this issue. I'm truly floored and extremely frustrated.
Consumer complaint received 2017-10-01
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: EQUIFAX, INC. (IN)

Tried to dispute inquiries with XXXX Equifax, and XXXX over the phone they all 3 told me it can not be done over the phone, which I have always done in the past.
Consumer complaint received 2021-02-01
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inaccurate and fraudulent information present on my credit report, which is a clear violation of the law governing credit reporting. There are several instances of misinformation on my report, stemming from inaccurate reporting, incomplete reporting, or the reporting of unverifiable information. I urge you to take immediate action to correct and remove these discrepancies from my credit report. It is imperative that you comply with the law by providing an accurate and truthful representation of my credit history. 
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 XXXXXXXX
Consumer complaint received 2019-10-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2015-10-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Forster & Garbus LLP (NY)

A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State.
Consumer complaint received 2018-03-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Dated XX/XX/XXXX/ received XX/XX/XXXX, I got letter after waiting months calling ocwen about modification letter state you approved for assistance if you complete the 3 trail paymentXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX/ I began calling asking about modification claim it was getting process ask speak to the modification department say they didn't have one, can I speak to XXXX department I was told had write XX/XX/XXXX new pack I call ocwen right away that I disagree with decision and this is not modification what is this the woman XXXX say it's modification it go in to XXXX I said what I be all most XXXX old 'she continue talk I said my loan is not correct- XXXX I owe on my home {$140.00} and some more principal ocwen claim XXXX claim I owe $ XXXX.So I  Began writing letter have not got no respond from ocwen or XXXX department /ocwen, XXXX have falsified document and claim my husband XXXX XXXX agreed underlying his loan claiming he agreed XXXX call it pass through, Ocwen they both have falsified legal document on XXXX XXXX XX/XX/XXXX claim he came in to agreement for loan to security amend and supplements 1 the mortgage note/ ocwen record another mortgage note illegal did it in XXXX XXXX TX Clerk office
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NJ)

This company has been calling my work, and home. Niw sending latters. I told them its not mines. Now the threatened to ruin my credit. Im filing a complaint and want this removed from my credit reports. 

ENHANCED RECOVERY COMPAN reported a New Account to your XXXX  credit file. 
Source : XXXX  Company : ENHANCED RECOVERY COMPAN Address : XXXX XXXX XXXX, XXXX, FL XXXX Business Type : XXXX Balance : {$680.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Privacy and confidentiality under 15USC 1681. 
XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Flagstar Bank, N.A. (CO)

My mortgage loan was transferred from XXXX to Flagstar Bank , FSB, XXXX XXXX XXXX, XXXX, MI XXXX. I set up on-line access and I can see my information as well as information for another individual 's account. I assume that since their private information is intermixed with my own, that my information is also compromised. I spoke to customer service on XX/XX/XXXX, who stated that they could not see the information that I could. They transferred me to a supervisor who never answered.
Consumer complaint received 2019-03-03
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: SYNCHRONY FINANCIAL (LA)

I have a hard inquiry from Syncb/ppextr on XX/XX/2019 that i did not apply for or authorize. My credit score dropped 18 points because of this.
Consumer complaint received 2017-10-01
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. (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (GA)

I can no longer access my XXXX account. I had nearly XXXX points prior to making the conversion to the XXXX card and was actively participating in auctions on the website. Was told by a rep via email that a product conversion cancelled my points. I was not aware of that upon making the conversion and would like the opportunity to use my points.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I received an offer for a XXXX XXXX XXXX credit card back in XX/XX/XXXX and received the card around XX/XX/XXXX. For a few years everything was fine then in XX/XX/XXXX or so I received a letter out of the blue stating that the card was closed so I called immediately to be told that they closed the card because they believed it was fraud and identity theft- I explained that I have had the card in my procession for years and that there is no identify fraud happening, I asked how I could prove this as it became ridiculous and this dropped my credit score - so they had me send in all of my information, drivers license, bank statement, social security card etc.. even after all of this they still would not re-open my card. Soon after they listed this card as a charge off on my credit! Even though they advised me that I had to pay it in full /XXXX balance which I did. No matter how much I call or write them they will not change the reporting on my credit bureaus even though they admit that it shows fraud and I explain each and every time, I have also repeatedly try to dispute straight with bureaus and they said its already been investigated.
Consumer complaint received 2017-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I bank with  XXXX  and deposited a check by my neighbor on the mobile app it showed depositing into " account/routing # '' so assuming it was my account # I used it for my direct deposit form for my new job. On  XXXX  my check of {$ XXXX } was deposited into my neighbor 's account for Bank of America because of the glitch on the mobile app. I called Bank of America and the first person went into the account and said it was deposited and to go to the neighbor and get My money back. My husband called again to see why the account was n't verified and the  3 ba nk of America employees/Managers said they do not verify names  or SSN for  direct deposit. We called the BBB and they said that is incorrect so we called Bank of America back and they said BBB are liars. No one was willing to help us not even willing to inform their customer that their account was added funds incorrectly. My neighbor is a good guy and is out of town any money he spends that is mine can and will be fraud.
Consumer complaint received 2021-01-19
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)

After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. XXXX keeps telling me their system is being backed up. XXXX  keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try Trans Union. Wasted to days and lost my interest rate quote. Feel like I am being held hostage by them.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IA)

On XX/XX/XXXX I began my search for a moving company to move me from XXXX  to XXXX. I was contacted by a XXXX XXXX who was said to be a representative of XXXX XXXX of FL. After speaking with him I felt safe in regards to the move. I was told that a deposit needed to be made of {$1100.00} in order to get the process started I made that payment on XX/XX/21. He then told me that my move would be between XXXX or XXXX and that a rep would reach out to confirm the amount of items. I was contacted on XXXX confirming the items. On Wednesday night at XXXX XXXX  XXXX left a VM asking to call them in regards to my move that was to happen. I called and once again the girl said the call was to confirm my move. I heard nothing until I called on XXXX that is when the lady said she left a VM telling me the movers pulled out on the entire route. She also stated that I would have to wait to see IF they would have another moving company sign a contract. She then told me to bare with them until Saturday and that they would call me .... I received no call on Saturday! I called back and the young lady apologized and told me to request an email. I emailed multiple times only to receive an email stating that I could not have a refund because I signed a contract! I had to drive XXXX miles back to XXXX  to place the things the moving company was supposed to pack away. This has left me with a negative account and all of my belongings in another state with no way to get them back or out. I called another rep and she kept apologizing saying that my account was updated and it said to not give me a refund! They took my money and never came to get my things or offered to send a crew another day they stole my account information. This company is also on the XXXX  website as fraud and my bank said that there was nothing they could do the first time. Now I am being asked to wait 10 day for a refund!
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: U.S. BANCORP (MT)

I have been receiving harassing phone calls from XXXX XXXX XXXX XXXX in connection with US Bank. I have been unable to pay for the last three months and unable to bring my account to a place where I am able to get a two month deferment. I have explained to the company ( most of the calls are coming from US Bank ) several times that I am unable to pay currently because I am studying for my XXXX exam at the end of XXXX. I have requested them to cease calling until that date but still receive several calls per day and upwards of 10 calls per week. They have also been calling my mother without authorization, and have they been explicitly told to not call her from myself and my mom. Additionally they have removed some of the little money I have to live off of from my account with US Bank without authorization in the amount of approximately {$100.00}. I understand that a debt is owed, but have explained the situation that I will be unable to pay until late XXXX. I understand this type of repetitious calls to be a violation of the Fair Debt Collections Practices Act and would like resolution solely in the form of cessation of calls from the companies.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Solutions, Inc. (SC)

On XX/XX/2018 I sent a certified letter to Receivable Solutions advising them to cease and desist all attempts to collect this debt. In this letter I advised them not to contact me, or any third parties regarding this debt. This letter was delivered and signed on XX/XX/2018. 
On XX/XX/2018 I received a telephone voice message from Receivable Solutions in which I saved on my answering machine. They clearly disregarded my request to stop the telephone calls.
Consumer complaint received 2017-10-01
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. (ND)

My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.
Consumer complaint received 2017-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I have contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX. I have sent them XXXX Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded twice with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My CPA has contacted the source and they informed him that they can not find anything filed against me so I am requesting that you either remove from my report or contact them and let me know what I need to do to handle this matter. 
Source XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing and requesting validation of a debt I do not owe for nearly a year now and TRANSUNION has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it?
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (PA)

Multiple inquiries on my credit report that I did not authorize 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