davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had this credit card since XXXX, all payments made on time. I was informed by B of A my credit card account was cancelled on XX/XX/XXXX, supposedly.the letter was mailed to me, I have not received the letter. I have a credit score 0f XXXX. I do not know why the account was closed, I think it is discrimination. B of A previously cancelled another account in XXXX due to fraudulent activities, I was not responsible for the fraudulent activities to that account. I feel am being discriminated against due to activities I had not part of.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

Hello, XXXX  refuse my requesed the indetity theft block sent to them because someone has my SSN and date of birth and I found out that she monotoring my credit score by XXXX she took my background check, home address and a lot of my personal informations from XXXX, XXXX, XXXX and others. Im very afraid about myself because maybe she will trying to put me in trouble. I reported this case and at XXXX XXXX XXXX XXXX Police Records. My case number is XXXX. Please investigate my case and contact me if you need more proof. Cell ; XXXX
Consumer complaint received 2021-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

on XX/XX/XXXX I found that {$3600.00} was taken out of my Apple bank saving account. I called Apple bank claims department where I was told someone activated a debit card using my DOB and S.S. my saving account was access over 10x with the amount of {$400.00} taken out every day from XX/XX/XXXX to XX/XX/XXXX. The bank never alert me and no statements were being sent to me my last statement was on XX/XX/XXXX. I never activated a debit card from apple bank. Apple bank rep was supposed to call me back on XX/XX/XXXX but never did. I than called claims department on XX/XX/XXXX I spoke with one of the supervisor in claims department where u was told after 60 days I can not receive payment, my case was closed and I need to do my own investigation by going to different atm with my police report to get video footage to than maybe I will get my money back. I then went into the branch in my neighborhood so speak with assistant manager who than told me my case was still open and they will be looking into it.
Consumer complaint received 2022-04-26
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. (NY)

On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.
Consumer complaint received 2021-09-03
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. (TX)

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. 
I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. 
FTC HAS BEEN FILED
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Debt collection agencies keep calling from rotating numbers to collect from a XXXX Account for my daughter, XXXX XXXX XXXX, who has lived in XXXX for the past 15 years. She never had a XXXX  credit card. 

They 've called at XXXX XXXX and repeatedly during the day. Most of the number are XXXX area code, similar to my number. 

I have told them, repeatedly, that XXXX does not live here and that I am on the DO NOT CALL LIST. They continue to call several times a day. 

Recent calls came from 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 ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX other numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The numbers continue for months back, for other area codes, like XXXX and XXXX
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P. (UT)

In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX    XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail. 
On XX/XX/XXXX a phone call was received from a phone number, ( XXXX ) XXXX, listed to LTD Financial Services, and no message was left.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc. (AZ)

I was sent a letter with a fake case number and logos impersonating a government agency. I have never been a customer or done business with Franklin services. This is illegal and a violation of multiple fdcpa laws including attempting to impersonate a government agency using former President Franklin face as a seal. The letter states I have a open case aswell as a case work and I need to contact my attorney regarding potential remedies and to discuss my defense. " XXXX # XXXX '' amount they are attempting to extort is {$1200.00}
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several identity documents. I filed a report with the building when it happened and filed a police report after I found that my documents were being used to open accounts in my name. I found that leases in different states were opened in my name with utility accounts, cable accounts and phone accounts also opened. I've attached a copy of the police report and copies of letters sent from apartment complexes that executed leases in my name that I had to dispute, along with letters from other banks that opened accounts in my name and found that it was not me that opened them.
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I filed a complaint with you that case number is XXXX, in which it was closed and Specialized Loan Servicing ( SLS ) responded by stating that they were going to be issuing 3 seperate checks in the following amounts : {$920.00}, {$230.00} and {$870.00}. 

They sent the check for {$920.00} but they made it out to XXXX XXXX and XXXX XXXX, which could not be deposited to the bank because XXXX XXXX passed away on XX/XX/2018. I called SLS and was told that they made a mistake and should of made the check payable to XXXX XXXX and the Estate of XXXX XXXX. This check was sent to us on XX/XX/XXXX and SLS said it would take XXXX days. I keep calling to ask about the checks and they say they will send in a report, but that does not help. It has been XXXX weeks and still to repayment. I have also asked about the other two check and when I ask they say they do not know anything out that. But that is what they said in the final report to my complaint.
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (IN)

This account is illegally reporting inaccurate information about me with the sole intent to ruin my credit. This collection account is not only listed as open but also saying I owe a past due balance of {$2300.00}. This is a violation of the FCRA XXXX compliant reporting standards. 

Due to the Inaccuracy of the report and failure to be in compliance I am asking this account be removed from from my account with settled in full and asking for an updated report showing adherence to XXXX reporting standards.
Consumer complaint received 2021-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

Your Company is in violation of the Fair Debt Collections Practices Act. ( FDCPA ) By obtaining a credit report without a permissible purpose by law. I have not initiated any transaction with your company, furthermore I do not have an account as defined under 15 U.S.C 1693a ( 2 ) an 1618b ( a ) 3 ( f ) ( 1 ) with your company for collection.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

A violation of fair debt collection practices Act of an alleged debt owe. Portfolio Recovery Association XXXX XXXX XXXX. Had a judgement for the total amount of XXXX. And took money from Michigan tax return for the amount of {$470.00} for the tax return of XXXX. 
Then on XX/XX/XXXX took money from a XXXX bank  account in the amount of {$570.00} As well as of XX/XX/XXXX cashed a {$2000.00} money order. 
As well as took money from a XXXX bank account XX/XX/XXXX in the amount of {$670.00}. XXXX Also took {$41.00} from XXXX bank account Exceeding the amount of {$2700.00} This business practice is unlawful and unethical
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Within the last year, I receive on a daily basis and average of XXXX - XXXX Citibank pre - approved cards or Upgrades. I have a Best Buy card that is through Citibank. 

And althought Im very happy with the card, Im dissappointed with the non stop marketing and promotion that floods my mail box. 

Citibank, continued PRESSURE '' to have me extend my credit is not only Exhausting But at this point has become HARASSMENT. 

Just because I hold a BestBuy card doesnt give Citibank that right to continuesly go in and out of my credit report. My Card balance and payments are up to date. And that should be their only concern. 
Not to push me into further debt, and Obligation that can surely become a problem for me in the future. 

Im concerned that the daily Harassment from Citibank pre approved credit cards and extended credit COULD have created the problem of Theif that has been reported to the Credit reporting agencies. 

I have made numerous complaints to XXXX, about my mail being stolen in the past. The issue still to today hasnt been corrected or resolved. Although I have sent to the 3 credit reporting agencies police repots and Investigations along with document from XXXX XXXX XXXX confirming that there was actual a crime committed. My credit information is still made available without my consent. 

Id like Citibank to opt me out of all marketing and promotion, that I havent applied for, Citibank may have contributed to the thief in my account from the past. Since they are sending so many pre approved application to me, and my mail continues to be stolen and XXXX has done nothing about it. Citibank continues to put my personal information and finical security at risk. 

The only solution here is to STOP, all Promotions and Marketing to me. I have opt-out from this from all Credit reporting agencies over a year ago. Yet Nothing is being done to protect my Personal and Finical Information from these institutes. 

I shouldnt have to opt out of this Marketing as listed on the application enclosed from Citibank by calling XXXX by me calling this number it will enable the answering service to capture my phone number, and then I will start to receive unwanted phone calls from TeleMarketers. 

It seems like a waste of time to opt out of mail marketing to sign up for Phone Telemarketing which is what will be created. 

Im asking Citibank to Please Opt me out of all Marketing and Promotions that THEY have Opted me into. And to Stop Created a problem that has caused a CRIME TO BE COMMITTED on my credit report as VERIFIED by the Police Department reports
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (CA)

I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. 
AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my report.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CO)

The only time that i have ever had a Nordstrom account was in XXXX when i was married but my name was never on the account.. That was my husbands.. I recently had my credit pulled and i noticed a Nordstrom account that was listed as having 5 late payments in XXXX. I have never owned this card and am having a difficult time getting it removed from my credit report. Please assist me in getting this account removed from my credit report. Thank you.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

In XX/XX/2020, I came across a citi bank add promotion where if I opened a checking/savings account and deposited XXXX for a minimum of 60 days, I was going to get a {$700.00} bonus at the end of the 60 days. I did everything and even contacted citi customer service via the online chat service and spoke with an agent to confirm that my account was set for the promotion and everything was fine. The agent confirmed and told me to go ahead and deposited the money, which I did. 60 days later, I contacted the citi customer service again to make sure the promotion requirements were met and I could withdraw the money. I was told again by another agent that everything looked great and to go ahead and withdraw the money. I was told I should be receiving the bonus within 90 days by XX/XX/XXXX. I waited until XX/XX/XXXX and I never received anything. I contacted the customer service and was told all that needed was to filled out a dispute and I will get my bonus since they will just need to enter it manually. I was surprised to receive a letter in the mail saying my request has been denied and I will not receive any bonus. I'm really upset about the fact that Citibank used a false ad to get me to open an account and now doesn't want to pay. I have attached a pdf document showing the screenshot of my conversation with the citibank customer service.
Consumer complaint received 2021-07-08
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: JPMORGAN CHASE & CO. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-05-03
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. (CA)

I filed a dispute with TransUnion requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues. 

1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
2. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
4. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
5. BANK XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
6. XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
7. XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report