davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

I was sent an application for a Citibank credit card. The application was denied. I received a notification through XXXX  that my available credit was decreased from XXXX to XXXX. As I stated earlier my application was denied and I never received a Citibank credit card. I had recently received a mail notification offering a reduced rate for a balance transfer. The card ending in XXXX. That was the information presented on the latest transfer offer. According to the information I obtained through XXXX  this account has been opened since XX/XX/2018. Without the entire credit card numbers closing is impossible.
Consumer complaint received 2022-04-06
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I received two ( so far ) text messages from Zelle informing me that someone sent me {$500.00}. I do not recognize the sender 's name, I was not expecting any money from anyone, and I do not use Zelle. 

I contacted Zelle to report the mistake or fraud, and to ask that they reverse or cancel the payment. They refused to reverse or cancel the payment, saying that if I do nothing the sender will receive their money back within 14 days. 

They didn't seem concerned that it was at least erroneously, but likely fraudulently sent from the rightful owners account, and they were knowingly profiting by retaining the money for a significant period of time. 

They also initially said that there was no way to block my phone number from their service, but after I got very insistent the agent seemed to change her story and said that she would block the text messages. I was tired of arguing with them at this point and gave up on pressing the point that blocking the text messaging was not the same as blocking my phone number from any use by their company.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have reported to Experian and XXXX  with updating my personal information properly or at all. 

Experian has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

XXXX  also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-08-16
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. (NJ)

I XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to Equifax, XXXX, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,
Consumer complaint received 2019-11-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-04-02
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: Onity Group Inc. (VA)

I already reached out to the credit bureaus and to OCWEN for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union (GA)

I tried to open online a joint account with my Mom at First Tech CU in XX/XX/XXXX. We were denied membership, I assume, because one of the security questions was not answered correctly. Now in XX/XX/XXXX, I have discovered that First Tech retrieved about {$110.00} from my mother 's hometown credit union to fund the account that was never opened. This information was discovered only because my mother decided to close her hometown credit union account and noticed a withdrawal to First Tech. I called First Tech and talked to a representative who told me initially that First Tech mailed a cashier 's check to my mother refunding her for the debited amount in XXXX XXXX. When I inquired whether the check had been cashed, I was put on hold for a long time. When the rep returned she informed me that she was mistaken about the cashier 's check and that the money had been in a " holding account '' since XXXX XXXX. She also said a supervisor would call me to explain what happened. I have called the company three times to get this information. The supervisor left a voice mail after my first call but has not bothered to reach out to me since then. There is no telling how long First Tech would have held on to my mother 's money if we had not noticed the withdrawal from my mother 's hometown account. The lack of notice and poor response by First Tech about this matter is absolutely unacceptable.
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am getting a new debit card in the mail. Its the weekend banks are closed today Sunday XX/XX/2021. I can not access MY OWN money from wells fargo because the phone number on file, which is mine, Is not verified and i can not access the digital wallet. I explained to them I have a XXXX  and Im trying to take out my money because we obviously cant starve. They told me wait until tommorow. I said no I want my money today. Wells Fargo couldnt verify my identity through the phone even though i provided everything, my social, my address, account number, phone number. So Im stuck here at home trying to borrow money from anyone since wells fargo doesnt let me take out my OWN money.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TN)

I paid XXXX {$60.00} on XX/XX/21, because of a bill they said I owed. When I pulled my credit report, the bill had been reported the the credit bureaus and they did not afford me the opportunity to dispute this amount, because I never used their service and the equipment was returned. The debt is still on my credit report.
Consumer complaint received 2023-01-11
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. (MD)

on XX/XX/XXXX i sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating " They do not report any bankruptcies to anyone '' so if that is the case hoe did the credit bureaus verify my bankruptcy as 100 % valid. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous of times.

the credit bureaus violated my given rights under 15 USC 1681.

states i have the right to privacy.

accordingly to 15 USC 1681 section 602 A states i have the right to privacy.

according to 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a accont without my written instructions according to 15 USC 1681 s-2 A 1 a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Consumer complaint received 2020-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC bank has been misleading, unfair and has discriminated against me as a XXXX Veteran. I believe HSBC has violated federal consumer protection laws or regulations. I was enticed by hungry reps into opening another checking account on XX/XX/2020 with a promise of {$220.00} dollar bonus after 3 months of continued direct deposit. Even though I already had a checking account I was misled into believing that if I opened a new checking account I would get a bonus of {$220.00} and approved without an issue. The bank failed to honor the bonus of {$220.00} and now have repeatedly discriminated against myself as a XXXX Veteran. I have tried contacting them and I have been told there is no record of calls, that I was mistaken, and that the offer has expired.
Consumer complaint received 2019-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NJ)

I was shown a repayment chart for a healthcare loan of {$13000.00} from Care Credit by XXXX XXXX ( XXXX XXXX, XXXX ) that would have allowed me to pay off the loan in 48 monthly installments of roughly {$400.00}. For a total cost of between {$13000.00} and {$20000.00} according to the booklet they gave me. I began paying monthly as planned only to find that after 7 months they dropped a one time nearly {$2000.00} finance charge on to my account and began charging me 26.99 % interest. Apparently they had asked me at some point if I wanted a six month repayment plan but I was unclear on what that meant. I would like them to wipe off the excessive and usurious finance charges and refund them to my account. I have repaid {$14000.00} in the hopes of closing this bait and switch account in its entirety.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today ( Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.
Consumer complaint received 2022-04-06
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. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : 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 2021-09-12
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (VA)

During the pandemic, while out of work and sometimes having my hours decreased I took advantage of having my mortgage payment deferred with Midland Mortgage which was a great help to me. There were no late payments and no interest during this time period which I want to say occurred for a period of at least 18 months. After that time, I did a modification with Midland Mortgage and my mortgage was decreased to {$1000.00} approximately. On my credit report, Midland Mortgage did not report at all the removed the mortgage all together as if I don't own a home and this impacted other creditors where they either closed my accounts or decreased them dramatically to credit lines of {$100.00}. I have other accounts where they are in deferment like student loans and they just state the facts which is what you are to do that the account is being deferred. However, this is not what Midland Mortgage did to my loan. Also, I am not permitted to make my payments online like other customers and have to call in the payment. I feel like I'm being treated differently, because of the Pandemic which is not my fault. I'm making a formal complaint for the credit reporting or lack thereof and an immediate correction and anyone creditor that reviewed my credit to receive an update with the correct information and an explanation.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I have received two collection notices from Convergent Outsourcing , Inc. - attempting to collect a debt or debts. 
Each notice is for {$410.00} ( so, total of {$820.00} ). The creditor listed in both cases is XXXX XXXX XXXX. It looks like the debt was originated on XXXX XX/XX/2021. 
This is not my debt. I have never bought a XXXX product and do not owe these two debts.

I'm assuming that this is the result of some identity theft..

I have a call into Convergent
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WA)

I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent payment but can not explain to me why : 1. The double payment happened in the first place ( I did not schedule it, nor does the bank account against which it was made show it ) 2. Why my account now shows in arrears if the first payment was successfully processed when that payment reflected a " paid in full '' amount of the previous statement balance. 

3. Whether or not my account is considered " in good standing '' after these errors on their system. 

4. What steps they will be taking to prevent similar errors in the future.
Consumer complaint received 2021-08-16
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 XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to XXXX TransUnion, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,
Consumer complaint received 2021-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I sent a letter to each of CapitalOne and its affiliates Cap One NA & Capital One all as appeared on my credit reports. Each letter outlined credit inquiries that I have no knowledge of. I requested any and all documentation be mailed to me that proves permissible purpose to have my credit pulled & reported ( as outlined in the FCRA Sec. XXXX ). I then received a response from Capital One on XX/XX/2021, Acct Ending in # XXXX, Case Number : XXXX the letter did not contain any information or documentation in regards to my request for permissible purpose.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NE)

I received a letter from National Credit Systems Inc stating that I owe {$2200.00} as un paid balance from XXXX XXXX XXXX. The letter states that since I have failed to make suitable payment arrangements that they are going to be filing the debt with all 3 credit agencies. I was never given my chance to dispute the validity of the debt. Which I firmly dispute. 

XXXX XXXX is currently in possession of 2 months rent in check form that was given to them prior to my eviction. They evicted me because they state the are unable to accept checks. These checks have never been returned to me and are still out standing. 

I dispute the amount, the times, that fact that I was not given a chance to respond and that this debt is reportable.