davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (AL)

I GOT A CALL FROM A THIRD PARTY COMPANY ( AT THE TIME I WAS UNAWARE THAT IT WAS A THIRD PARTY ) SAYING THAT THEY COULD HELP ME GET LOAN FORGIVENESS FOR MY STUDENT LOANS. THEY CALLED AND THEY HAD ALL MY INFORMATION ALREADY, AND THEY ADVISED ME THAT I WAS APPROVED FOR A {$0.00} PAYMENT BUT I WOULD HAVE TO PAY A SERVICE CHARGE OF {$42.00}. SINCE THEN I HAVE BEEN ADVISED BY MY FEDERAL STUDENT LOANS THAT THEY DO NOT DEAL WITH THIRD PARTY COMPANIES, ALL THEIR SERVICES ARE FREE, AND I SHOULD NOT BEEN PAYING A SERVICE FEE. THEY SAID THEY HAVE NOT RECEIVED ANY MONEY FROM THIS THIRD PARTY THAT I HAVE BEEN PAYING MONEY TO FOR THE PAST TWO YEARS PLUS YEARS. XXXX XXXX XXXX IS THAT NAME OF THE THIRD PART COMPANY.
Consumer complaint received 2021-02-02
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-03-01
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report and found the following fraudulent hard inquiries on trans union credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-02-01
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. (VA)

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. 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 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 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 2020-11-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

We opened a new Citi Miles Ahead Savings Account ( Account # XXXX ) on XX/XX/XXXX with Citibank , N.A . and funded it with {$10000.00} based on an email offer received on XX/XX/XXXX ( this is in addition to a Citi Executive credit card we currently have ). The promotional offer ( actual email attached ) stated we would receive XXXX XXXX XXXX miles upon funding and keeping the account balance at or above {$10000.00} for 90 days. 

On XX/XX/XXXX ( after completion of the 90 days mentioned above and maintaining the {$10000.00} balance throughout the 90 days ), we initiated a customer service chat online at citi.com with Citibank employee XXXX  ( transcript attached ) asking if we qualified for the XXXX miles and she stated I see that you have deposited the funds in your account on XX/XX/XXXX and 90 days got over by XX/XX/XXXX. After qualifying deposit activity in your Citi Miles Ahead Savings Account, please allow up to 90 for the acquisition bonus miles to be deposited into your AAdvantage Frequent Flyer account. Note these miles will not appear on your Citi Miles Ahead Savings Account nor your Citi/AAdvantage consumer credit card account statements. You can monitor your rewards via the online rewards dashboard. In this case, you will receive the miles in your AA account I said Can I withdraw the account balance now since I have earned the bonus miles? By leaving the money in account for 90 days. and she replied Yes, you can withdraw the balance. As you have already met the minimum requirement, you can start to use the balance. 

I confirmed via customer service online chat again on XX/XX/XXXX that the XXXX miles will be credited by XX/XX/XXXX ( 90 days from XX/XX/XXXX ). I confirmed via phone call to Citi customer service on XX/XX/XXXX at XXXX XXXX. that the XXXX miles will be credited by XX/XX/XXXX. I confirmed via phone call to Citi customer service on XX/XX/XXXX at XXXX XXXX Eastern Time and was told that the miles will be credited in 1 more day since it was not yet XXXX Pacific Time. 

And now after all that we have been told on XX/XX/XXXX ( letter attached ) upon submitting a promotion dispute on XX/XX/XXXX that the promotion will not be given to us because the account was closed even though not one word about this was mentioned to us on 2 online chats documented above and 2 phone calls documented above with Citibank customer service representatives and we were communicated to IN WRITING from Citibank that we earned the promotion and could withdraw the account balance. Also, in the email offer on XX/XX/XXXX there is no mention about this requirement in the terms and conditions. 

We are extremely disappointed and frustrated about this entire situation. This certainly feels like false advertising and we need a response as quickly as possible. 

We have used Citibank for many years for our credit card needs and would like this situation to be resolved in a positive way.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Wednesday XX/XX/XXXX, I was updating my phone number in Chime app, suddenly they closed my account. And they sent me an email asking me to prove my identity. I sent to them all the informations they asked. Since then, They don't reply anymore to my emails 4 days already. 10 emails I sent but no answer. I try to reach them by their phone number and Fax no success, no response from them. They don't want to communicate with me. Chime is my only bank. Now, I can't buy food, pay bills, buy gas, I didn't go to work for 3 days. My mom is really sick in XXXX I can't help her. I can't do anything. All my funds it's locked. about {$2000.00} and some dollars. I'm in troubles. I want my money
Consumer complaint received 2022-04-27
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. (NE)

In accordance with the Fair Credit Reporting Act, Account Systems-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-04
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. (IL)

I submitted an FTC report XX/XX/2021 to all 3 bureaus stating the account that was listed on my report were the result of identity theft. According to the FCRA pursuant 15 USC 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer resulting from identity theft. It is XX/XX/2021 and a block has still not been placed.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On Thursday of last week ( XXXX ) I deposited a check in the amount of {$5400.00} drawn on a regional bank chain : XXXX XXXX XXXX. Equally important, the check was drawn from the account of a title agency in XXXX, Ohio. I deposited the check to Bank of America via their mobile app and it made me aware there would be a hold until the next day. 

On Friday morning I began to pay a few bills out of the proceeds. I accessed my BOA account from my computer only to find the hold had been extended more than a week to Saturday, XX/XX/XXXX. I immediately called customer service to ask why. The first young lady I reached was very helpful and nice, but could not answer my question as to why there was a week hold put on a check drawn on a fairly large regional chain. She transferred me to her manager. His only answer was that Bank of America puts holds on checks for seven to ten days to verify funds, and that the sending bank had not done so. He told that once BOA received verification of funds the hold would be dropped - even if it were before the allotted hold time. Meanwhile, any request for funds that came through would be denied and I would be charged overdraft fees. If I wanted to cover any payments I had made from my account I would need to deposit cash before XXXX XXXX that day. I asked if the deposit could be cancelled so that I could cash the check and bring cash ( there is a XXXX XXXX XXXX a block from my house ) and he said deposits can't be stopped. 

I withdrew {$3300.00} from another bank account I have at a local bank and drove to XXXX to make the deposit at BOA. Along with that {$3300.00} in cash I also deposited a check in the amount of {$530.00} drawn on XXXX to make the total deposit {$3800.00}. That check drawn on XXXX XXXX NOW has a hold on it until Thursday, XX/XX/XXXX!!! The largest bank in the USA and you folks put a hold on the check for six days! 

Yesterday morning ( XXXX ) I went to the XXXX XXXX XXXX which is a block from me and took the check drawn on them. ( I still have the physical check because I deposited it through the app. ) I asked a friend who worked there to see if the check had cleared. It had. ON FRIDAY of last week!! I then called the person who had written the {$530.00} check on XXXX and they, too, verified the check had cleared. Yet, as of today the funds are still on hold! 

I called Customer Service again this morning and got a supervisor. They told me the hold would exist until the date and time showing on the online statement. 

Like anyone else, when I make a deposit I want access to my funds. I currently have {$5900.00} of MY funds ON HOLD for a week with Bank Of America. This is unacceptable. 

According to the FDIC Consumer Compliance Examination Manual, I believe Bank of America is not compliant with FDIC laws.
Consumer complaint received 2020-11-10
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. (NJ)

I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I called XXXX XXXX to close my account and they refused to closed that account ending in XXXX and said that I have a negative balance on my account in the amount of XXXX that I 'm not responsible for and I ask for a supervisor and she told me that another banker gave me XXXX credit which I never wanted and she never told about this credit and if I did n't get this credit it would cause my account to be overdrawn by XXXX and I received my paycheck from XXXX in the amount of XXXX on Saturday XXXX XXXX, XXXX and I transfer that amount to XXXX XXXX the same day and within few days my account end up overdrawn XXXX which I 'm not responbile for I want my account to be closed and mail stop deliver to my address this is wrong and XXXX XXXX is Robbing me
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681 Can not furnish an account with out my written instruction. I gave no instruction for these accounts to be furnished to other agencies. Futhermore, there are tons of inaccuracies in my credit reports from 3 bureaus Experian, XXXX and XXXX. Accounts listed as open when are closed, accounts with inaccurate account numbers as well as Dates accounts opened. Collection accounts that were deleted but reinserted without NOTICE to me ( the consumer ) XXXX  XXXX XXXXXXXX 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 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  NONE OF THESE ACCOUNTS ARE FULL ACCOUNTS, THEREBY, THESE ACCOUNTS ARE NOT LISTED AS ACCURATE AND IN COMPLIANCE with the FAIR CREDIT REPORTING ACT 15USC 1681
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NY)

Similar to complaint filed on XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) store credit card ... writing this complaint again, against XXXX XXXX  ( corporate headquarters XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) who also holds XXXX XXXX XXXX XXXX store credit card. 

Received phone call on XX/XX/XXXX from XXXX XXXX collection agency w/r/t debt owed to XXXX XXXX  XXXX XXXX. Debt total {$340.00} ( due to late fees and interest charges ). ( Reference number XXXX ) Also spoke with XXXX XXXX XXXX ( phone number XXXX XXXX to discuss this issue. They confirmed statement were mailed to old address of XXXX XXXX XXXX, XXXX, NY XXXX. 

When this first happened, I inquired about the XXXX XXXX account on XX/XX/XXXX. A customer service representative, XXXX, indicated my address had been changed as of XX/XX/XXXX, to an address of XXXX XXXX XXXX, XXXX NY. This is my previous ( last ) address. My current address, where I have resided for 10+ years, is XXXX XXXX XXXX, XXXX NY . ( In fact I received my last XXXX  statement in XX/XX/XXXX at this current address ). When I asked how the address got changed, no one could answer my question directly, other than the system had changed it. ( Please note at no time this year ( XXXX XXXX did I call XXXX XXXX  to change my address back to a previous address of XXXX XXXX XXXX, XXXX NY ) Therefore, same incident ... XXXX XXXX XXXX XXXX statements mailed from XXXX XXXX, incorrectly mailed to previous address. 

I am willing to pay the original amount due to my XXXX XXXX XXXX XXXX statement/invoice. However, feel I should not have to pay late fees and interest charged, as I was not receiving statements due to XXXX XXXX  system failure. 

Thank you for your time and consideration
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my Chrysler Capital vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CO)

To Whom It May Concern : This letter is after exhausting all avenues on a current/past situation with Barclay card Frontier credit card. XXXX of XXXX I traveled to Florida for vacation. In order check in my return flight I had to pay with a credit card. I used my XXXX card and paid {$120.00} dollars. When I received my Frontier Barclay Card statement in XX/XX/XXXX, that is when I saw that they auto charged my account for the same amount of {$120.00}. I called Barclay to dispute the charges, sent the statement for my credit card that I used to pay for check in. Called to follow up with Barclay and they said they never received the fax. So I sent it again, this continued for months- with sending the fax statements and being told that they never received the proof. Barclay also advised me to go dispute charges with the other credit card company and I refused that, because I personally paid with that card ( I was not going to dispute something that I paid for ). This continued, within that time I also paid off the balance with Barclay of over {$2000.00} minus the {$120.00} just to close the account and continue to dispute the charges. In XX/XX/XXXX, while this was still going on, I faxed again the statements and Barclay sent a letter to tell me that they received the statements but unfortunately it was past the dispute range and expired. As you can see that I was beyond frustrated- why would I pay a huge lump sum and leave {$120.00} on the account if I owed that. I still call about every 6 months, because now, they put me in collections for {$400.00} and yet I can't even settle that because it has been charged off and they have no way to apply a payment. This has gone way too far on the credit cards part and I feel that proof and faxes were intentionally disappearing or they were giving me the wrong fax number- to where the statements and proof just got dismissed, until they saw that the faxes and the dates of my dispute went out of the range. I would like for this case to be settled and off of my credit report, as it has not only been an emotional mess - when you would be able to see that I have an excellent history of paying bills and not debt with credit cards whatsoever. This whole situation has sabotaged me with lenders and prevented me being able to buy a house with the best credit score I can have if this was not on the report. Please consider reviewing and settling this account in any way to release what is not even my liability.
Consumer complaint received 2021-09-05
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. (TX)

I am writing to file a complaint against [ XXXX  & Experian ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ XXXX  & Experian ] to date. 
I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX XXXX XXXX XXXX. 
Account Number : XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Twice I've disputed this account with Convergent Outsourcing and I still have received nothing at all from them! This is a violation of the FCRA! They are required by federal law, to send me the same information that they are reporting to the credit bureaus! I DEMAND JUSTICE! PLEASE HELP ME!