davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
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: Experian Information Solutions Inc. (IL)

inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, Wi XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL ( 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 , VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX # XXXX** XXXX XXXX # XXXX****
Consumer complaint received 2019-11-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

NCB Management has attempted to put this debt as a different date as the previous creditor to make it appear on my credit report longer than what it is suppose to have been. I spoke with this company and the representative was extremely rude after some back and forth banter I hung up and decided to dispute the debt with the bureaus and they eventually removed it and then added it back closed it then opened it and now its open again stating that it was verified. 
I would like to know how this debt it being verified and they will not send me any info regarding the debt. It is {$8200.00} dollars.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

We rented a house advertised on XXXX from XX/XX/XXXX to XX/XX/XXXX. The house was clearly advertised as heated, which was important since we were there in the middle of winter. Upon arriving however, we found that the only heat we available for sleeping at night were two small room heaters, one for each of the two bedrooms. Since the master bedroom was about 300 sq ft and overnight lows were 40 degrees Fahrenheit, the rooms were essentially unheated. We had a small child   with us, and after two nights of freezing cold we cut our visit short and went to a heated hotel room. 

We first tried unsuccessfully to resolve the issue with our hosts, who at first said they would offer a credit, but then reneged. 

We then unsuccessfully, to file a dispute with XXXX but they were unresponsive and put the onus on us to resolve it with the hosts. 

Finally, we filed for dispute resolution with our Citi AAdvantage MasterCard, which we had used to pay for the vacation. Our understanding of our agreement with Citi is that we are entitled to a refund if services or goods are defective or inadequate. We provided a detailed timeline of events, along with pictures of the listing, the room, the small space heaters, and the correspondence with XXXX. The total payment was for {$1400.00} -- we subtracted the first two nights we were in the flat, and requested a credit for was {$880.00} However, Citi refused our request on five different occasions. Finally they offered us a {$200.00} credit ( {$680.00} less than the amount we disputed and were out of pocket ) and closed the dispute against our wishes. ( At NO point would Citi dispute resolution personnel actually talk or email with us. Our only communication was a series of denial forms ) During more than two decades of using this Citi card, we have only disputed one other bill -- a railing installation at our house which was not completed for {$700.00}. We wish Citi would consider standing by its customers, and abiding by the agreements under which it issues cards to them.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (SC)

I have been a victim of identity theft and these accounts was open fraudenlently in my name Bank XXXX XXXX accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX  Account # XXXX Routing # XXXX XXXX XXXX  accounts that are fraudulent : Account # XXXX Routing # XXXX XXXX XXXX  accounts that are Fraudulent : Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I contacted XXXX  letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Best Service Co.,Inc (CA)

cription : Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. The XXXX XXXX XXXX XXXX XXXX has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. XXXX XXXX illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to the XXXX XXXX XXXX  XXXX XXXX. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (MO)

In early 2021 ( XXXX or XXXX ) I contacted navy federal trying to settle and receive information about a debt they claim I owe them. They told me the debt was charged off and that Navy Federal is no longer handling the debt and said that I could no longer pay Navy Federal for it. Via telephone on their recorded line They provided me the number to a collection agency and told me to call them to handle the debt. I did and couldn't reach anyone but left messages. I received a letter from XXXX XXXX XXXX asking for payment of debt on behalf of Navy Federal Credit Union. I responded and asked that they verify and validate the debt, which they had 30 days to do so, they sent me the same letter in the mail along with a few blank pages but nothing validating the debt in XX/XX/2021. They never validated the debt on behalf of their client Navy Federal and they both never contacted me again, navy federal said it was due to a " cease and desist letter '' that I sent XXXX XXXX, which was a formal complaint against the company for reporting falsely without validating the debt on behalf of Navy Federal. I still sent letters every month to XXXX XXXX who Navy Federal referred me to, their representation, asking them to validate the debt XXXX XXXX XXXX and they never responded them or their client. I attempted to report the collection agency with the CFPB, complaint number XXXX are claiming that they gave it back to Navy federal in XX/XX/2021 but that was the month they tried to validate the debt with the letter and blank pages and I responded XX/XX/XXXX demanding that they delete the information according to the law. By law they are required to verify the debt or promptly delete it. Navy Federal referred me to XXXX XXXX to handle this debt and XXXX XXXX failed to properly validate the debt within the 30 day time period for their client. It legally has to be removed. I tried to settle this with navy federal directly over a year ago and the referred me to their representation. This is defamation and Navy Federal should be held accountable, I should not have to go through the entire disputing process again directly through them because when I attempted to in 2021 they told me they will not be handling it and directed me to their representation and I spent over 6 months trying to get them to properly validate the debt and because XXXX XXXX, Navy Federal 's Representation/an extension of them couldn't properly validate it within the allotted time frame I now still have to go through navy federal ? They refused to handle my debt directly and I exercise my rights according to the FCRA and they couldn't validate the debt but refused to delete it after all this time they get to say now you have to directly through us even though XXXX XXXX XXXX was working for navy federal to settle the debt? please do something about this.
Consumer complaint received 2019-11-04
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: Experian Information Solutions Inc. (FL)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from 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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-03-09
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: TRUIST FINANCIAL CORPORATION (WV)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

This compliant relates to the recent Wells Fargo lawsuit affecting mortgage holders during the period XXXXXXXX XXXX  XXXX ( mortgage loan number XXXX ). I just became aware of this suit as of XXXX. 
I'm not sure if there is any compensatory element involved in my case but wanted to at least explore that possibility. 
I have not been contacted by Wells Fargo, or received any compensation, as of XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from 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 XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

Barclay Complaint XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I clicked on a 0 % APR offer from XX/XX/XXXX - XX/XX/XXXX. I took a screenshot of me clicking on the offer. On XX/XX/XXXX, I called Barclay customer service to make sure I was enrolled in the offer. The representative told me that I was not enrolled but she could verify that I was on the website at the date and time that I said I was on. She said she created a case number # XXXX. When I called back on XX/XX/XXXX, I was told that a decision had not been made as to whether the Company would honor the offer or not. I was also told by a manager that the case number mentioned before was submitted incorrectly. I just wanted to cancel the card after all this. The manager I spoke with on XX/XX/XXXX assured me that she would make sure I get 0 % from XX/XX/XXXX TO THE DATE THAT A DECISION WAS MADE TO HONOR. She told me she would make sure I got 0 % until somebody decided yes or no. Fast forward to XX/XX/XXXX when I call again to check the status. The customer service rep told me a decision of NO was made on XX/XX/XXXX. I never received a notification of this and then was transferred to a manager who confirmed that there is nothing showing that I was notified. I then asked him if it showed that the manager on XX/XX/XXXX told me that I would get 0 % until I was notified. He did confirm he saw that note but proceeded to tell me that he isnt sure if Barclay can actually honor that. He told me he would waive the interest for the bill due XX/XX/XXXX. But then what? I was ready to cancel my card on XX/XX/XXXX but kept it since I was assured, I would have the 0 % until a decision was made and I was notified. At an unprecedented time when people are suffering financially, other companies are providing help and giving appreciation credits. See the screenshot attached. Barclay decided to lie to me, get me to spend money based on false promises and now I am a newly single mother of XXXX XXXX  and have to deal with the immense stress this has caused me. No Company should be allowed to lie and then pull a bait and switch move like this especially at a time like this. Barclays actions are disgusting and so very unethical. I hope this can reach somebody that can look into this matter as the customer service I have received has been dreadful. The new case number for this is now : XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2020-10-12
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. (DC)

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.
Consumer complaint received 2021-02-23
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: Experian Information Solutions Inc. (GA)

I have gotten my credit report an it has many incorrect items on it. I have contacted the credit reporting agency and requested that it validated and they should send me the information on how it was validated. They have constantly ignored my request and have yet to send me any information I asked for.
Consumer complaint received 2020-09-07
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Timeline of Events : XX/XX/XXXX - Forged checks under my name were created. XX/XX/XXXX - An unauthorized NEW chase account under my name was created and a debit card was sent to my house. The forged checks were deposited and attempted to be withdrawn, but Chase stopped the transaction. XX/XX/XXXX - Chase has identified unauthorized checks and asks me to contact them. XX/XX/XXXX - I contacted Chase and they could not verify my identity because I am located internationally at the moment. I contacted them several times and eventually shared all the information they required to confirm the false account is not mine. XX/XX/XXXX - My EXISTING online account is not working. When I contacted them, they said they have ended their relationship with me after people deposited and withdrew money in an newly opened account under my name. My existing account had XXXX and they deducted XXXX for issuing a check and have sent the remaining XXXX to me. As you can see, a NEW Chase account was opened under my name, but they closed by EXISTING account. First off, why did Chase allow a new account to be opened in my name? Second, when I inquired further, they closed my EXISTING account. My EXISTING account had nothing to do with this fraudulent activity. Why did Chase end their relationship with me so abruptly? Since the EXISTING account closed, which was my active bill paying account that I share with my wife and brother-in-law, we've had problems with bill payments ( many of them late ), deposits, etc. I could not access my history online and couldn't remember addresses to send bills. Chase has shut the door on me without any explanation and I want answers. Monetarily I can only ask for the {$24.00} fee that they deducted and the XXXX check that I never received. In addition, I want to understand why they decided to treat such a loyal customer like trash, and I wish I can paid for that as well.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I received a phone call from a Courier service/processor who said they were trying to deliver legal documents to me but were unable to get with me. They gave me a phone number to call to reschedule the delivery and receive more information regarding the situation. I called the phone number, ( XXXX ) XXXX, and reached a man named XXXX XXXX with XXXX XXXX. He informed me that this was regarding a checking account that I had with Wells Fargo bank from XXXX to XXXX which was over drafted by {$460.00}. He said that the account was marked as unresponsive because they were never able to get in touch with me and that Wells Fargo had handed the account over to their collections and legal department who were pursuing legal action against me to collect the debt as well as for Theft of Services and a possible legal retainer fee which could all amount to up to 3x the original debt plus a {$1000.00} legal retainer amount. He said that I could settle the issue outside of court which would help me avoid a judgement being placed on my Credit Report by paying the full original debt amount through their credit processor before any papers had been served to me. I asked if I could contact him later and he provided me with a phone number, ( XXXX ) XXXX, and told me that he would be in the office until XXXX XXXX but then changed it and said XXXX " our time '' but he's usually dealing with the east coast so he mixed up the times.
Consumer complaint received 2021-05-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX I sent a letter regarding inaccurate things on my credit report. How is it possible for these accounts to have mixed matched reporting of late payments?? I demand all Late Payments to be removed. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these late payments be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.