davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

My son 's dad passed away on XX/XX/2020 and we tried to make payments on his home equity loan for {$16000.00} and Fifth Third bank wouldn't accept any money. We obtained the " Letter of Office '' from our attorney and personal brought it to the bank, still they wouldn't accept any payments. We have two pages of notes showing all the action we took, but they wouldn't accept payments. Now they have an attorney who added an additional {$9900.00} fees to the loan and is trying to foreclose on the property. We have paid the homeowner 's insurance, some of the property taxes and maintained the property in order to sell. We have a buyer for the home, but the bank has a lien on the property, stopping us from selling and paying what we owe.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

A company online information services refuses to give me information regarding an electric bill they claim was not paid. The account on my report has a 0.00 dollar balance and Online Information Services will not discuss any information. 
When I called and attempted to speak to the representative he got very aggressive and nasty. He would not let me talk or ask any questions. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EIC Enterprises (IN)

First Loan ( Tribal Loan ). Claims that I took a loan out in the amount of {$850.00} now resulting in a debt of over {$2000.00}. Was turned over to collections with XXXX XXXX at Tribal collection agency. I have stated that I dont even know what this is for. I have told them to stop contacting me. There is nothing about this on my credit report. They need to stop threatening to garnish my wages from my employer they have no court order against me. I have never even heard anything from them until they called my employer.
Consumer complaint received 2022-09-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

Venmo some {$500.00} from me on XX/XX/XXXX. I recently opened a venmo account and received a debit card in the mail. I had to pay a XXXX XXXX to XXXX  my driver 's license so I used my XXXX XXXX XXXX money to place {$500.00} in cash on to my venmo card at a XXXX. Been immediately suspended my account and won't release the funds. They have now stated they will not return the money to me because they suspect fraud and they will no longer communicate with me and they stop taking my emails. This is not the first time at venmo has done this I had an account in XXXX where they stole over {$800.00} for me and I'm not going to take it anymore. This has happened to a lot of people, from what I've read online. I need that money to XXXX my driver 's license so I can work this is a huge hardship.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (FL)

In XX/XX/XXXX of 2020 I received an email soliciting an " offer '' from Discover credit card. It said If I registered to XXXX 's XXXX  and use my Discover Card..I 'd get a {$45.00} credit.I activated this offer and went to XXXX XXXX on XX/XX/XXXX ( the offer expires XX/XX/XXXX ). XXXX 's XXXX activated my account and I paid {$45.00} to XXXX XXXX XXXX because that's what Discover told me to do in order to get a {$45.00} statement credit from Discover. After that, I spent over {$600.00} at XXXX XXXX XXXX over the next few days. However i never received my {$45.00} statement credit from Discover. I called in XXXX and was told my Discover rep that it takes 2 billing cycles. So I decide to wait 4 billing cycles. I called today, XX/XX/XXXX and spoke w a rep who advised that I didnt get the credit from Discover as " XXXX XXXX XXXX " forgot to register me and Discover needed me to call XXXX 'XXXX XXXX and correct this. She advised thar once I do that to call back and ALL the notes were in the system in case someobe else annswered. She said that by callinf Idsocver bsck AFTER calling XXXX 's XXXX, I'd get my statement credit. I asked the rep many times why i needed to do that as it didnt seem to make sense. It felt like " brush off ''. But, the Discover rep assured me once i did that and called Discover back to confirm i had done that, then Discover would be able to provide me w my long overdue {$45.00} Statement Credit. 
I called XXXX 's XXXX and explained the situation. He asked me a few questions and then told me " you're all set Mr.XXXX we now have you registered. Its odd since you were already registered and already made multiple purchases at XXXX XXXX XXXX  AND you used your Discover card each time '' I called Discover and spoke to a new rep. She advised a conflicting report and none of the notes the previous rep wrote were there. I couldn't believe my ears. The first Discover rep gave me a clear/concise set of instructions on what to do in order to receive my credit. The 2nd rep and her subsequent manager made NO effort to even understand my case and immediately admitted she knew that Discover and XXXX 's XXXX made an error that she couldn't help me. Her name is XXXX XXXX of XXXX, AZ. In the end, regardless of any mistakes or blunders caused by XXXX, Discover or XXXX 's XXXX i did what I was required by Discover to do in order to receive my {$45.00} statement credit. They enticed to go out and spend money at a specific business and for that, they would reward me. And now they dont want to pay and people like XXXX XXXX of XXXX, AZ make smug comments and tell me she and Discover could care less about me.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (UT)

This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.
Consumer complaint received 2022-09-13
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. (MI)

I filed a dispute for account : XXXX XXXX XXXX # XXXX, which is a collection account on my credit report. The credit bureau updated the account which made me ask How did the credit bureaus verify this collection account as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative 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 others 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 times. 

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

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2020-10-10
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. (FL)

I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have requested several times from Experian thru dispute resolution department and via regular US mail, the reporting source ( the name of their third party verifier ) of the bankruptcy they continue to report on my credit report. Experian refuses to correct the reporting of this inadequate record.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last four of SSN : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX  to the Credit Reporting agency by the name of XXXX. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies
Consumer complaint received 2019-06-05
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX {$5100.00} ; XXXX - XXXX   ; XXXX XXXX {$720.00} ;
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Title 15 of the United States Code ( 15 USC ) section 1681 outlines the right to rescind under the Fair Credit Reporting Act ( FCRA ). This provision allows consumers to dispute inaccurate or incomplete information on their credit reports and request corrections or removal of such information. The right to rescind ensures that individuals have a means to protect their credit information and financial reputation. 

I have uploaded information about this creditor XXXX it was removed before and was put back on my credit profile by law that is illegal for them to do that.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I would like to file a complaint against PNC Bank for not being able to locate my old bank account that had Wire Fraud Activity take place during for time period XX/XX/15 - XX/XX/15. I put a Wire Fraud Activity request in once I discovered the money was missing, and PNC Bank was unable to recover my money in the amount of {$17000.00} that disappeared from my bank account. The banks explanation for no recovery is they are unable to locate my old bank account. After my third request since XXXX, I received a final response from PNC Bank Branch Representative, XXXX XXXX that they had no success locating my account. As of today, XXXX XXXX and I agreed, I should contact the XXXX XXXX XXXX to inquire about how to recover my money. I contacted the XXXX XXXX XXXX, and was referred to Consumer Protection Bureau to assist me with my needs.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (MI)

Because of a clerical error in the interaction between XXXX XXXX and our auto insurance company, XXXX XXXX, an old bill was sent by XXXX to a debt collector, Recovery One LLC. Once I realized the problem I cleared up the issue on a conference call between XXXX and XXXX XXXX, and XXXX recalled the debt from Recovery One. However, the debt collection calls from XXXX XXXX never stopped, with multiple calls per day, and recently added harassment of my wife. It has been over a month since Recovery One should have received notice from XXXX and the calls continue. Repeated attempts to inform Recovery One that the issue was resolved have been rebuffed, requests to be transferred to a supervisor for resolution have been denied, and Ive been further threatened that failure to resolve the debt with them may result in reporting to credit agencies. Insisting on more information, even additional information to identify themselves ( even just the city and state of their company ) resulted in immediate termination of the call. XXXX has been positive and responsive, and so has XXXX XXXX. Recovery One is the only one at fault and their tactics, threats, rudeness, and failure to provide a process for resolution in such a situation is utterly inexcusable.
Consumer complaint received 2020-11-28
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. (CT)

the information being reported on my credit report is incorrect. 
it's a few days short of 30 days and i have not received any updates on my fraud dispute letters. 

This Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Account not mine XXXX XXXX Account # XXXX Date Opened:XXXX Account not mine XXXX Account # XXXX Date Opened : XX/XX/XXXX Equifax Credit Information Services INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX Used my Capital One credit card to purchase XXXX XXXX roundtrip flight for my daughter XXXX from XXXX XXXX to XXXX, XXXX for University XXXX XXXX program for {$690.00}. 

XX/XX/XXXX XXXX flew XXXX to XXXX, XXXX for her U.XXXX   program. 

XX/XX/XXXX I contacted XXXX XXXX to change ticket return due to program cancellation by XXXX government. XXXX rebooked return flight to XX/XX/XXXX and I paid {$130.00} for fare difference. 

XX/XX/XXXX I received XXXX XXXX email cancelling flight-unable to reach XXXX XXXX by telephone or at airports. XXXX booked flight on XXXX XXXX  ( which cancelled ) and then paid for second return ticket on XXXX  XXXX. 

XX/XX/XXXX I submitted written dispute via Certified Mail to Capital One for return portion ( half ) of {$690.00} ticket charge or {$340.00}. I also spoke with Capital One telephone agent regarding refund for cancelled XXXX flight and was required to submit additional Capital One form by email or fax. 

XX/XX/XXXX I submitted Capital One form for reimbursement of {$340.00} by email with supporting documents including XXXX ticket receipt, XXXX email re : flight cancellation and US Department of Transportation Enforcement Notice stating " obligation to refund passengers for cancelled or significantly delayed flights. '' Capital One later credited my account for {$340.00}. 

XX/XX/XXXX Capital One rebilled the {$340.00} transaction without written notice to me for the XXXX flight. On XX/XX/XXXX, I again submitted the Capital One form and supporting documentation regarding XXXX XXXX  flight cancellation via fax and Certified Mail. 

Additionally, XXXX XXXX responded to my refund request on XXXX XXXX website stating that the refund was unnecessary due to the credit card chargeback by Capital One. Also, XXXX XXXX has still not resumed service to/from XXXX, XXXX from the United States as of XX/XX/XXXX. 

Finally, I believe that Capital One 's actions on rebilling this transaction mirror their actions when went through months of communication, letters, and calls to reverse charges made in error by Capital One for XXXX XXXX  tickets that were refunded in XXXX but rebilled by Capital One in XXXX and XX/XX/XXXX before my statement period ended. Capital One 's actions have lowered my credit scoring according to its own credit monitoring service, XXXX XXXX, along with other credit monitor services. Capital One 's actions in the XXXX flight cancellation, as well as prior actions in the XXXX XXXX  flight cancellation, have negatively affected my application for my first home mortgage.
Consumer complaint received 2019-06-05
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. (CA)

The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Trans Union ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX  ( XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

XX/XX/2022 On Friday XXXX XX/XX/2022 I contacted XXXXXXXX XXXX to cancel my subscription the very next morning I sign on and was told I could cancel at anytime on or before within ten days and I ask for a confirmation number and was giving XXXX at XXXXXXXX XXXX  and XXXX XXXX they are trying to charge my credit card for a monthly fee which was told it was cancel.