davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

The call comes in as Fifth Third Bank. After receiving a zillion calls from XXXX, I blocked the calls and turned them in to the DoNotCall registry. They are coming in early morning, late night and even on Saturday and Sunday. So I finally called the number on XX/XX/2019. The first thing they do is ask for personal information. I told them I don't have or have never had an account with Fifth Third. They continue to try and get my social security number and I refuse. If I even had the debt, they should have that information. I received no more calls on XX/XX/XXXX after asking them to remove my number from their data base and to not call me anymore. Today, XX/XX/2019, they are calling again but with a different number, XXXX ( XXXX XXXX and XXXX XXXX )!!!!! 

This is annoying to say the least. They don't bother to leave a message. Just calls and hang-ups.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
Consumer complaint received 2017-06-07
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. (TN)

I had a  Federal Tax Lien fil ed in error on  XXXX   XXXX ,   XXXX  . The IRS realized it was an error and issued a withdrawal on  XXXX   XXXX ,   XXXX  . The withdrawal was sent to th e Register of Deeds in my county  but Equifax and  XXXX   XXXX  never reported the withdrawal. I filed a dispute and reinvestgation but Equifax insisted the information from  XXXX  was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

In XXXX, due to separation and divorce, and failure to sell the home resulted in a foreclosure with the home being sold in a Trustees sale in XXXX. Much like any forclosure, the sale amount awarded was not enough to cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charged off/discharged. In XXXX of this year, XXXX, I discovered through my credit reporting site that XXXX XXXX XXXX was coming after us for the deficient 2nd mortgage loan balance which was handled by Specialized Loan Servicing. I was completely shocked and taken back by this, as I had put this unfortunate event behind me since it had been nearly 5 years after the fact. In my shock, concern, and collection ignorance, I contacted and paid XXXX XXXX XXXX  the sum they agreed to settle for. I am filing this complaint because I am trying to purchase a new home and due to the way this was updated/unfolded, it has negatively impacted my credit standings with the bureas. Specialized Loan Servicing sold the debt to XXXX XXXX XXXX ( a licensed collection company, not a mortgage loan provider ) which updated the mortgage load to a current time " negative '' status, which has now voided my forclosure seasoning to purchase. This is clearly a violation or the FTS 's FDCRA. Because of erroneous and deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the bureaus.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

First Citizens advertised on their website in XX/XX/2020 that there is {$300.00} promotion if you open a checking and savings account and meet the requirements which are : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1. Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening 2. Enroll in eStatements 3. Open a new savings account Here is what I did to meet the requirements : 1. I opened a new Checking and new savings account at first citizens Bank on XX/XX/2020 2. I enrolled in e-statements for both checking and savings on XX/XX/2020.

3. I made 10 debit card purchases between XX/XX/2020 and XX/XX/2020 which were within 90 days of account opening. 

Their terms also said " Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. The account must be open and in good standing at the time the bank credits the account. '' I met the banks on XX/XX/2020 and 120 days from XX/XX/XXXX is XX/XX/2020. 130 days have passed and I haven't received the {$300.00} bonus as advertised. I reached out to First Citizens bank on XX/XX/2020 via secure message inquiring about the bonus and I received an reply on XX/XX/XXXX to call the sales department. 

I am attaching the documentation including bank statements showing the account openings and debit purchases as well as screenshot of secure message showing enrollment of e-statements.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. ()

Me. XXXX contacted me on XXXX2021 to let me know that my loan was cleared to close. After my ongoing issues with PNC, I was very happy to hear this. While XXXX was pleasant and caring, when I checked the closing cost, I noticed that it was incorrect. XXXX informed me that I qualified for a {$1500.00} grant and my realtor submitted an addendum stating that the seller would credit me {$2000.00} toward the closing cost. None of this was properly reflected in the closing cost.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The hold was placed on my checking acct on X/XX/17. My fiance had his corporation who handles military unused medical and part of his bonus. He made 2 deposits of {$6700.00} and 1 deposit of {$7700.00}.
My paycheck was deposited on Friday which was {$190.00}. And this past Friday it was {$310.00}. There is going to, be 2 more direct deposits ... .my paycheck on Friday and sad on the 3rd.
Its .my understanding that the investigator have 9. Days to complete their investigation. As soon as my fiance comes here, he will be added to the account. Bank of America placed a - {$880000.00} on both checking and savings. But have credited the 2 direct deposits and the 3 transfer but the female investigator who is doing this investigation will not get on the phone The 2 corporations that did the transfers have tried calling BOA to confirm they did indeed do the deposits.
I need to feed my child, get my medications., pay my bills and start my life in Arizona . I can be reached at XXXX or XXXXXXXXXXXX Thank you, XXXX XXXX
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Hanna Holdings Inc (OH)

XX/XX/XXXX I filed a complaint with the company around Loan Originations Fiduciary Responsibilities per RESPA pertaining to an accurate Escrow Analysis on a home that was built in XX/XX/XXXX( per blue prints ), used as a model home and was sold to me in XX/XX/XXXX. A home appraisal was conducted for the value of the home and I purchased home owners insurance for replacement value, however was not used to figured accurate escrow for real estate taxes for the 360 amortization schedule that was provided. In addition, my loan was sold to another bank prior to first monthly payment and my escrow was understated by a near 70 %. This clerical error increased my monthly payment by {$900.00} and has affected my ability to repay. 

I received three separate responses from the company that are attached as supporting documentation. It appears that since I used this company for the home purchase and loan originations my personal information was shared within the company departments without my consent. In addition, the loan originator in which I filed the complaint called me personally to rectify my complaint.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (SC)

This is a complaint against Wells Fargo Bank, N.A. XXXX, CA and XXXX XXXX XXXX XXXX XXXX, XXXX, NE who has registered XXXX XXXX a credit card processor, as an Independent Sales Organization, that failed to credit my business account XXXX XXXX located in XXXX, Georgia for six days batch settlements from XXXX, XXXX, and XX/XX/2018. Batch settlements were not credited because XXXX XXXX equipment failed to send settlement credit for the days sales on six separate occasions. The total amount due me for settlement credit is {$1400.00}. I have the signed card receipts to support the claim for missing batch settlement credits, copies of which were sent timely to techs at the XXXX XXXX settlement processor, XXXX in order to obtain keyed settlement for credit to my account, which never happened. 

XX/XX/2018, {$350.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$280.00} ; XXXX XXXX, {$320.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$160.00}. Additionally {$45.00} in tip adjustments for XX/XX/XXXX when the replacement Central Payment XXXX   machine showed adjustments not allowed and the reported tips were not keyed in. 

Please be informed that my attempt to get settlement was, in all cases, timely and persistent with XXXX XXXX, Merchant Representative and several of the customer service techs at XXXX, which is the financial processor for XXXX XXXX.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (AZ)

This is a complaint against Virtuoso Sourcing Group, this company is constantly calling, has not proven that they have a right to collect on the debt, will not tell me who they represent, i have asked them to send a letter, I want them to stop calling me
Consumer complaint received 2021-09-14
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (GA)

On XX/XX/2021 I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from my credit file. XXXX has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unauthorized inquiries from my credit report. Despite my persistent efforts and multiple communications with your institution, these unauthorized inquiries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these unauthorized inquiries. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the unauthorized inquiries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the unauthorized inquiries continue to negatively impact my credit report. These unauthorized inquiries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of unauthorized inquiries on my credit report have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit report. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all unauthorized inquiries be promptly and permanently removed from my credit report, and that measures be implemented to prevent any recurrence of such unauthorized inquiries in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the unauthorized inquiries on my credit report. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to remove these unauthorized inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I set up an automatic payment from my XXXX loan due to the XXXX Virus and all banks being closed to inside customers they did not take my payments out of my XXXX ACCOUNT for 4 months instead placing me as delinquent and the report caused my limit to be dropped on my VISA to {$500.00}. I have paid all monies owed and would like my credit card amount to be restored to {$30000.00}
Consumer complaint received 2015-08-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Premier Portfolio Group (AZ)

I received a voicemail from ( XXXX ) XXXX, which was from an individual named XXXX from Premier Portfolio on XXXX/XXXX/15. I returned his call on XXXX/XXXX/15, and spoke to an individual named XXXX who indicated I had committed a fraudulent crime by not paying a debt. I attempted to ask for a validation of debt while explaining my current situation, and inability to pay. She would not listen, spoke over me, argued with me, threated to prosecute me to the " fullest extent '' and hung up on me. I tried to call back and speak to XXXX, the initial person that contacted me, and individual named XXXX answered. XXXX transferred me back to XXXX, and she asked me to stop calling because no one wanted to help '' me in their office. I attempted to request information to determine if this debt is legitamate, if it ineed is -I am not trying to run or avoid it, and would like to take care of it but was told to cease calling their office ...
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (AL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2020 to XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-08-23
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. (IL)

XXXX XXXX is showing up on my credit card as a balance when it should be zero since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX   XXXX  XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On X/XX/2017, I sent a letter to XXXX, XXXX, TransUnion to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

The following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

- TransUnion is intentionally preventing me from filing an Identity Theft Alert on my consumer credit report. During the online process, the form to apply an Identity Theft Alert form loads but redirects me to an Error Page after several moments. This is not new. 
- For the past week, I have been attempting to file a dispute online regarding inaccurate information on my consumer credit. However, every time I login to the TransUnion 's Dispute Center I receive the same error message from above.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

my Best Buy credit card XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX ID XXXX XXXX credit card unlawfully closed my account without a prior notification last year. 
Per my discussion with their customer service, they said it is their right to discharge any consumer card without notice and for any reason, even when I am satisfying the payment cycle through regular payments. 

I have paid the remaining balance on the card which was still accumulating due to their charges and interests, even when the card was closed last year. 

It is great that I recognized this devious credit card provider and closed the account by fully paying the balance. 

However, 1. They are misusing their credit grantor privileges by destroying customer credit reports by unpredictable card closures.

2. Why should I suffer as a consumer all the time, when my credit card gets destroyed by the credit grantors discretion.