davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (WY)

I opened a business checking account at LendingClub Bank, formally XXXXXXXX XXXX on XX/XX/21. After the account was approved and activated, I deposited over a period of a week 8 separate checks in various amounts of between {$5000.00} and {$15000.00}, totaling over {$50000.00}. 

On XX/XX/21 I received an email stating one of my deposits required additional verification and they suspended all access to my account. I could not even login to the online portal. I was asked to provide a paystub to provide additional verification of this deposit and my ID which I immediately followed up by emailing them a copy of the paystub and my driver 's license. A week later I still have no access to the account nor access to any of the funds deposited. 

I have contacted customer service on numerous occasions by phone and email and again today, XX/XX/21, but they refuse to even allow me to talk to a supervisor or bank manager and I get told the customer service agent can not help me. I then requested they reject the deposits and close the account and again, the customer service agent, XXXX, who also refused to provide a last name or any reference to who he is said he could not help with that either. I have no access to my account, I can not even get to login to see what is happening with my funds, I have no access to my funds nor anyway to get to my own money. 

After the XXXX call I finally spoke to an agent who told me the documents I had emailed were in the wrong format and to send a XXXX version and non a XXXX version. But this was not communicated to me in any other
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC (FL)

E

VLEVATE RECOVERIES Llc MADE GAVE ME FALSE INFORMATION ABOUT A MEDICAL DEBT. THEY WERE A SCAM THEY NEVER SENT ANY VERIFICATION OF THE DEBT. THEY NEVER SEND ME THE VERICATION NEVER SENT ME A RECIPEPT FOR PAYMENT THEN AFTER I HAD MADE 2 PAYMENTS TO ELEVATE RECOVERY THEN A NEW COMPANY REPORTED THE A NEW SAME INFORMATION ON MY CREDIT REPORT WITH OUT CONTACTING ME
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I refied my home w Qicken loans. After a few months I got a letter dt XX/XX/2021 from Quicken in the mail indicating that the loan was being transferred to XXXX XXXX  effective XXXX, 2021. I was also informed that XXXX would be contacting me. 

It is now XX/XX/2021 and I have received no info from XXXX XXXX  regarding the transfer. 

I am hesitant to send my mortgage to a new provider without receiveing confirmation from the new provider XXXX. I have received no communication from XXXX regarding an account number or information for where to send the mortgage payamen. I have continuted to send my XXXX XXXX  payment to Quicken. 

I think it is wrong for Quicken to move so quickly at short notice to transfer mortgage payment. I think someone should be accountable to ensure that this handoff is managed well so that the customer, me, get assured that we have been transitioned correctly to the new provider. I am afraid to send mortgage to a new provider with just an address. I want an account number at the new provider so that I am assured that my payment is recorded correctly. 

best regards, -XXXX
Consumer complaint received 2021-07-29
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. (FL)

Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting act, 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 has violated my rights 15 U.S.C.1681 SECTION 602 A : States I have the right to privacy. 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.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

On XX/XX/XXXX, Citibank issued a Citi Secured Mastercard to me secured by a {$1100.00} Collateral Holding Deposit. On XX/XX/XXXX, I sent a letter to Citibank requesting that my secured card be transitioned to an unsecured card and my {$1100.00} deposit be returned to me in full. 

On XX/XX/XXXX, Citibank sent a letter to me within which the company stated " We respectfully decline your request to release the Collateral Holding Security Deposit. '' This constituted an adverse action in response to my request of XX/XX/XXXX to transition my secured card to an unsecured card. In taking this adverse action, it appears that Citibank : 1. Engaged in an adverse action as defined within the FCRA 15 U.S.C. 1681 603 ( k ) and the ECOA 15 U.S.C. 1691 701 ( d ) ( 6 ) as implemented by Regulation B of the Board of Governors of the Federal Reserve System.

2. Violated provisions of ECOA 15 U.S.C. 1691 701 ( d ) as a result of engaging in the adverse action. More specifically : A. If Citibank based its adverse action upon some alleged deficiency lawfully attributable to me, none was cited and lack of disclosure would appear to constitute an unlawful impediment to my exercising of my statutory rights. 
A. If Citibank took actions to seek and obtain information about me from parties external to Citibank, none was disclosed as required by federal statute. The lack of disclosure would appear to constitute an unlawful impediment to my exercising my statutory rights.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2021 I sent a letter to a collection company that is trying to collect an alleged debt of {$1400.00}. I request verification of the alleged debt pursuant to my rights under the FDCPA. I request a copy of a signed contract and I also request the cease and desist of all collection activities including credit reporting and to delete any and all reporting made to any consumer credit reporting agencies. They failed to address my very specific legal request and are in clear validation of the FDCPA. 

1st, they failed to obtain and send me verification of the alleged debt by not mailing me a contract or an agreement with all parties involved. Instead they sent me a letter with " a summary of the information listed in the alleged file ''. This is not what I requested and under the FDCPA it is unfair or unconscionable that they attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating debt permitted by law. Also my personal information was released without my consent to a third party.

2nd, they failed to cease and desist and delete the credit reporting of the disputed alleged debt. Under the FDCPA, it is false, deceptive or misleading representation or means in correction with any debt to communicate to any person ( consumer credit reporting agencies ) credit information that is known, or which should be known to be false
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Mail is frequently lost when coming to my physical address, so I always ask companies who are invoicing me to use a po box I maintain. I have repeatedly checked the box on my Wells Fargo payment coupons for a change of address request and completed the backside to ask for future statements to be sent to this po box , however, after several months of servicing the loan and my repeated attempts to request the change of address, Wells Fargo 's staff fails to have the attention to detail necessary to look at their own form and make this change. I have even circled the box in XXXX and wrote in giant letters " Please actually change it this time, '' and still, they neglect to make the update - at this point, it seems deliberate.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

In XXXX I settled a credit card account with Macy 's. The account was closed, however a duplicate of the account was also added to my credit report. The account has two separate account numbers, but the account ending in XXXX clearly states that it was previously closed or sold. In credit disputes in XXXX, XXXX and XXXX I have requested the duplicate accounts be removed from my reports. Each time the creditor reports to the credit bureaus that the information is correct and the disputes are closed. I sent letters to the credit in XXXX and XXXX requesting the deletion. On XX/XX/2021, I received a letter stating that their would be no change because the information is correct. I called after receiving that letter and I was told that the info was still under investigation because I had opened a new dispute with the bureaus. However, On XX/XX/2021 I received notification from the bureau that the dispute was closed and the information is correct. I called the creditor again and was told that they are only showing the one account in my name with my social and I should file an appeal. I was also informed that although I'm doing what's requested, I would probably would not get a deletion because " we don't do that ''.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY
Consumer complaint received 2022-08-02
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. (NY)

I have been submitting a collection account dispute with Transunion. I have successfully disputed this creditor with XXXX and XXXX and it has been removed from both of those credit reporting agencies, explaining I had no idea who the debt belonged to and that I have never heard of the company. I received a letter from Transunion stating their findings concluded that the collection was " valid '' and would remain on my report until XX/XX/2025. I called their consumer help line and and requested they provide me with the documentation they received from the debt collector to verify that in fact the account was valid. After 20 minutes on the phone with a representative and getting no help in having them provide anything from that collector I asked for a supervisor. After another 20 or so minutes going around and around with him, his bottom statement was simply " we do not investigate per se, we send an electronic request to the debtor to verify they have your information and that is the extent of what we do, and therefor you will have to contact the company and find out what the collection is for. All I can see is that it is a bank, ( one I never heard of or that exists in NY ) and was with XXXX collection company that wrote it off and then sold the current collection company, which they are allowed to do ''. I also told him that had an address on there that I have never lived at and also put that in my original disputes to be removed and that also has not been done. Transunion is severely negligent in doing a thorough investigation and in deciding on their own that sending an electronic request is sufficient enough to keep this collection on their credit reporting. IT NEEDS TO BE REMOVED ASAP!!!
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (CO)

I received a promotional offer from PNC Bank for my VISA credit card. The offer was that if I made {$500.00} in purchases on my new card between XX/XX/2022 and XX/XX/2022 I would receive a {$100.00} credit on my account within 90 days. I made a {$500.00} purchase on XX/XX/2022, but I never received the credit. I called their customer service and was told they didn't show the offer as having been made on my account. They were going to research the issue and get back to me. That was over a month ago and they have not contacted me. I have a copy of the promotional email I received from them with the offer which is attached to this complaint along with a credit card statement showing the purchase made on XX/XX/XXXX.
Consumer complaint received 2021-07-06
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: BARCLAYS BANK DELAWARE (MA)

I booked a holiday vacation using a Barclays credit card, at XXXX XXXX in XXXX XXXX from XXXX, through a third party ( XXXX ). Upon returning home I received a fraudulent charge on my credit card for {$1000.00}! I disputed the charge on my credit card and also called XXXX XXXX XXXX. They told me it was for a damaged mattress and linens! I have no clue what they are talking about!! They sent me no proof, such as time dated pictures, or any photos. I have concluded that they have the wrong room number and want to stick some old lady with charges. It is disappointing that my credit card company did not properly investigate charges and is holding me responsible. Next time I travel I will take photos of my room before exiting.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I sent a physical letter to XXXX, Equifax and XXXX XXXX informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from Equifax or XXXX.
Consumer complaint received 2021-02-14
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. (MN)

I am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my XXXX XXXX, Equifax and XXXX  credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of death and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX  XXXX  XXXX  is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2019-04-25
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)

My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems XXXX and Equifax are still reporting the following fraudulent items on my credit reports : XXXX   FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX EQUIFAX FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX EQUIFAX FRAUDULENT INQUIRIES XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NY)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that REMEX would verify the debt. So I took it upon myself to ask REMEX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I requested a deferral in XXXX because of Covid Us bank removed my money from my checking account that month .XXXX.I didn't pay XXXX I missed and XXXX I missed XXXX I sent {$2000.00}. XXXX {$1000.00} XXXX $ XXXX.then I geta statement I owe $ XXXX.I wanted explanation where the {$5000.00} went they said I now owed XXXX and they wanted immediately they will not send me any paper statements and I thought the XXXX could be paid over time with the differal or at the end of the loan they want It immediately and are calling me every day the also canceled the money I had available on my heloc.and are threatening forclosure over {$3900.00}. I can not get answer thats truthful or any way to resolve the issue nor receive a paper statement for my checking and heloc to resolve the issue I've spent over 26 hours on the phone and have been transfered and hung up on and I tried to file a complait with US Bank and they hung up on me .I don'r know if I should file for bankrupcy just to get an honest accounting and a resolution from US BANK.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (DE)

Well I was XXXX  XX/XX/XXXX too XXXX and all my belongings was at the woman house I was renting a room for and there was transactions on my card the whole time I was XXXX  so I made a police report and made a dispute to the card company and basically they said they couldn't put the funds back on my account