davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX XXXX USAA bank delayed processing of a deposit from my employer resulting in {$70.00} of over draft fees from pending bills. As a result I had no money for food during XXXX XXXX in XXXX. Their excuse, a XXXX day delay in depositing due to bank closures. The fees were not refunded. 

On XXXX XXXX an electronic deposit is currently being delayed XXXX days from XXXX, the funds generally take XXXX minutes to deposit. However a bill posted after the initial deposit has been credited first to trigger more overdraft fees. USAAs excuse a XXXX day time frame for deposits. However over XXXX deposit transactions in the last XXXX months have been timely, except for those occurring when a known periodical expense is due. The XXXX transaction in fact deposited on the XXXX then disappeared off of the account, XXXX minutes later the bill credited to the account triggering an overdraft. USAA is playing games trying to collect overdraft fees by manipulating transaction times.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Plus Inc (UT)

My student loan servicer is XXXX They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (KS)

Someone apparently got attached service in my name, Diversified consultants was asked the first time they contacted me to send me proof of the debt they refused and posted the depth to my credit file, I have lived in the same house for years I have att users ever and cell phones and pay my bills every month when I get my social security, last year I reported identity theft to the ftc over medical billing please help
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Citi Management Group, LLC (CO)

On XX/XX/2018 I received an email from someone claiming to be the General Manager of Citi Management Group , LLC. This person did not provide their name. This email claimed that a balance of {$550.00} [ sic ] is delinquent and had been given to them for recovery. They identified the original lender as XXXX XXXX XXXX, which is an organization with which I have never done business. 

In response, I replied to the email to notify them that I was disputing the debt and to provide a cease and desist order.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNT # XXXX purchased a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. 

Attempted contact to settle debt no response. When reporting they report a fraudulent delinquency date of XX/XX/XXXX when in fact the date is XX/XX/XXXX. there is a discrepancy of 2 years which lengthens the time frame it is allowed on credit report. Have written them refused to correct the date. Law states this is not legal.
Consumer complaint received 2020-06-23
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. (MS)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2021-03-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one refuses to let me pay my auto loan any other way besides calling in and a representative taking the payment. This hasn't been an issue really till yesterday XX/XX/XXXX when I tried to call jn all day to make a payment. My due date isXX/XX/XXXX and I am already struggling and past due so I really was stressed about my payment not being processed yesterday. 

I call repeatedly yesterday from XXXX Est to XXXX est and it would pick up with the automated lady then go to peep peep after she said " welcome to capital one ''. 

Capital one calls me at least 3 times a day which i know my account is past due but when they call over and over then I can't even get through to them to make a payment it is not acceptable. I should be able to at least make a debit payment online or they should have a email center for issues. Especially technical issues like I experienced yesterday. 


Today when I talked to a rep they didn't know anything about it just could say the lines were probably busy. I lost sleep over not getting a payment in due to my past due balance already.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against Mr. XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX continues to report inaccrate information on my credit report with XXXX Experian and XXXX the credit bureaus fail to protect me as a consumer and do not follow the proper guidelines like XXXX XXXX reporting different open dates
Consumer complaint received 2021-07-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

On XX/XX/2021 Ii sent a letter regarding inaccurate and unknown items on my credit report, to this day over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) It is blatantly state that failure to investigate these items within 30 days, gives reason to immediately remove those items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted in the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

-Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated my card via the Citibank website and verified my identity using a text message code sent to my mobile phone. 
-I tried to activate my card for XXXX that same day, but I was asked by Citibank ( through XXXX XX/XX/XXXX ) to call for verification. I did not call that night due to how late it was. 
-I called today, XX/XX/XXXX and spoke with a representative who after taking several identifying bits of information, told me that unless I had a landline they could use to confirm my identity they would have to send a letter to my address to verify who I was. The representative assured me that this would only be for XXXX XXXX. After speaking with the representative, I checked my Citibank mobile app and was greeted with a message that directed me to contact Citibank Customer Support ( after just hanging up with them ). I called back and spoke with a different representative ( who asked me the same identifying questions ) and he told me that message was solely meant for XXXX XXXX and that I would be able to use my card normally for in-person and online purchases. 
-I tried to use my card at a restaurant twice and both transactions were declined. Upon calling Citibank customer support back, I was informed that ALL card transactions would be blocked until I verified my account via the verification letter. Even though I had only had my account less than two weeks and activated the card through all necessary steps I was still somehow flagged for this archaic security process. I wanted to share my experience so that others would know what to expect from Citibank.
Consumer complaint received 2017-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.
Consumer complaint received 2020-06-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

Mr Cooper bought my loan from XXXX XXXX, then informed me that my Escrow will be going up $ XXXX month. Mr Cooper requires 2 months surplus in the Escrow. If there is a shortage because of tax increase then so be it, I will make it up. 
I did not receive a chance to review and agree to the new terms required by Mr Cooper. If they require a surplus, then I should have the ability to pick the terms. 
Currently I am presented with a new company that is increasing my mortgage because they want more money in their account to hold.
Consumer complaint received 2022-10-06
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. (FL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

My Wallet Was Stolen From Me At The Mall After Telling Multiple People That Work For TD Bank That I Suffer From A XXXX XXXX And XXXX XXXX XXXX XXXX And I Have To Keep My Private Informations written Down In My Wallet They Still Refuse To Reimburse My Money And Continue To Deny My Claims
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

Certainly, here 's a template for a letter requesting deletion of your personal information from an early warning system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/2024 Dear Early Warning I am writing to request the deletion of all my personal information from your early warning system in accordance with data protection regulations, specifically [ mention relevant regulation if applicable, e.g., GDPR, CCPA ]. 

Please find below the details necessary to identify and delete my information from your records : - XXXX XXXX - Address : [ Your Address ] - XXXX - XXXX - Any other identifiers or information associated with my account : [ Provide any additional information that may help identify your account ] I understand that under [ mention relevant regulation or company policy ], I have the right to request the deletion of my personal data. I hereby exercise that right and request prompt action to ensure that my information is permanently removed from your systems. 

Please confirm in writing once my request has been fulfilled and provide assurance that my personal information has been securely deleted from all databases and backups. 

Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me using the details provided above. 

Sincerely, XXXX XXXX --
Consumer complaint received 2017-10-02
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. (NC)

i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.
Consumer complaint received 2020-06-23
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. (MI)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to TransUnion as the agency originating the problems. On XX/XX/XXXX, I contacted TransUnion, spoke with XXXX. She claimed that TransUnion received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to XXXX and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. XXXX did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (MD)

XXXX XXXX XXXX  is reporting an account that does not belong to me on all three major credit bureaus, XXXX, XXXX  and XXXX. The account was opened XX/XX/XXXX under my name and information. I have have sent in several request to XXXX and XXXX to remove the account from my credit files.I spoke to someone a week ago and they informed me that the account was sent to First National Collection Bureau INC. and they now are trying to collect for XXXX XXXX XXXX under account number XXXX. I contacted First National Collection Bureau INC. and asked them to send me documentation of bearing my signature that the account belongs to me, I also informed the man on the phone that I was a victim of Identity theft and he said he would send me the information I requested. As of today XX/XX/XXXX they have not sent me that information and are still reporting the negative information on my credit files as a charge off. I have requested on several occasions for XXXX XXXX XXXX to remove the negative information.
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I had a credit card with TJMaxx that I put on automatic payment. The account I used was one I don't often use and when the XXXX payment was rejected for Insufficient Funds I called the company, changed to the correct account and made it the auto payment account, made the XXXX payment with the representative while on line so that the account was current. When I went to the store in XXXX on XX/XX/XXXX to make a purchase, my card was declined. When I called the company on XX/XX/XXXX to see why that was, I was told the account had been closed by the company on XX/XX/XXXX for too many declined payments. I explained what had transpired in XXXX so no payment should have been declined. After speaking with 2 reps in 2 different departments ( XXXX in Customer Service and XXXX, a Credit Supervisor in the Credit department ), it was discovered that I had made a payment in XXXX when I changed the account for autopay but the new autopay had not been applied. The company had closed my account as a result of that error but the person I spoke with did not have the ability to reopen my account. The closing of my account by the company dropped my Credit Score XXXX points! The representative sent this information of the payments and autopay error to another department to see if they could make the correction but that process takes 30 days during which time my credit rating suffers a XXXX point deficit. Subsequently I received a letter from TJMaxx stating the reason for closing my account was " the number of dishonored payments. '' I checked with the bank of the original autopay account and no attempt had been made by TJMaxx since the original NSF charge in XXXX. TJ Maxx did not try to take the autopay from the old account, which would have been accepted and they failed to utilize the autopay I set up on the new account. I also made the XXXX payment with the Customer Service XXXX, XXXX on the same day ( XX/XX/XXXX ) I called about this issue. The account should not have been closed because there was no " dishonored payment '' after XXXX either at the original autopay account or the newly set up autopay account.