davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: CITIBANK, N.A. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' MACYS/CITIBANK, N.A. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Revolving Payment summary 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 PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX  Past due amount - Highest balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY XXXX XXXX  Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX  THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before XXXX days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-03-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-05
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. (AL)

As a result of the recent negligent behavior of Equifax, I was negatively affected by The error that caused borrowers to be wrongfully denied loans or pay higher rates. As a result, fraudulent items are being furnished on my consumer report.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

THESE CORRUPT BEINGS STOLE {$720.00} FROM MY SMALL BUSINESS CHECKING ACCOUNT ON XXXX XXXX, 2016 BY SUPERIMPOSING XXXX CHECK MADE OUT TO XXXX FOR {$160.00} WHICH CLEARED CORRECTLY ON XXXX XXXX, THE SAME DATE AS THE THEFT! ONE CAN CLEARLY SEE WHEN I WENT ON LINE AND VIEW THE CHECK THAT A BIGGER CHECK FROM XXXX XXXX XXXX IS UNDER MY CHECK BUT RATHER THAN THE AMOUNT BLOCKED BY MY CHECK, MY CHECK WAS MOVED AND MADE SMALLER SO THAT THE {$720.00} AMOUNT ON THE XXXX CHECK WAS USED TO DEBIT THOSE FUNDS OUT OF MY CHECKING ACCOUNTS WHEN THEY SHOULD HAVE REALIZED THAT THIS IS A DIFFRENT CHECK FROM A DIFFERENT BANK AND HAD NO BUSINESS TAKING THAT MONEY OUT OF MY ACCOUNT! NOW THEY SAY THEY HAVE TO RESEARCH IT AND THAT IT WOULD TAKE 3 BUSINESS DAYS TO RETURN THIS MONEY! WHY! IT DID NOT TAKE 3 BUSINESS DAYS TO STEAL IT AND THE MISTAKE IS CLEARLY THESE THIEVES! THEY SHOULD BE ARRESTED AND AM SERIOUSLY THINKING OF FILING AN AFFADAVIS ALONG WITH THIS COMPLAINT!
Consumer complaint received 2022-12-12
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: DISCOVER BANK (AL)

Discover has violated my rights as a federally protected consumer. They provided my information to a ( 3 ) third party entities which is a direct violation of their own privacy act and 15 USC 6802 - 15 USC 6805 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given notice to opt out and now theyve damaged my credit profile! XXXX, XXXX, and XXXX has also violated this law and furthermore have been reporting transactions between me and the financial institution Discover. 

Ive also written to Discover as instructed in the monthly statement mailed to me by the company ; claiming the credit balances on XX/XX/2022. They have yet to remit and apply this to my account. I havent been able to use my card since XXXX!
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

When I brought a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo agreed to modify our loan if we paid {$29000.00}, via XXXX XXXX XXXX money transfers. We wired the funds, Wells Fargo confirmed receipt of the full {$29000.00}. Then lost XXXX of the transfers and then did not honor the modification. We have been fighting with them since then. We had to file for a new modification loan, they denied because we had XXXX modification already. While we are in review, and appeal of their decision, they filed foreclosured.
Consumer complaint received 2018-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Paramount Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

XXXX disputes two transaction on XX/XX/2023 ( claim number XXXX, amount {$1700.00} and claim number XXXX, amount {$2100.00} total {$3800.00} ) but no response, so I made a phone call XX/XX/XXXX, banker said they will refund 2 weeks later but they didn't
Consumer complaint received 2022-11-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party XXXX XXXX to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this XXXX XXXX from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF ED/XXXX, US DEPT . OF EDUCATIO, and USDOE/XXXX  from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Consumer complaint received 2016-03-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a car loan from capital one auto that was charged off in early XXXX. I entered in a settlement agreement in late XXXX to payoff {$2500.00} at {$150.00} a month. Capital one auto never updated my credit file with any of XXXX reporting agencies to reflect the new status. When i called capital one auto, they stated that they would not report the " true '' status until it was paid off. This is a clear violation of the consumer trust by refusing to report a positive status to the credit reporting agencies as away to maintain power over the consumer. I repeatedly asked them to update, they would not. Finally, i told them that i could no longer pay and they immediately reported my charged off account as 'delinquent '. They would not report a positive status but wasted no time in reporting a negative update which has harshly impacted my credit. This is a predatory practice and they should be sanctioned.
Consumer complaint received 2016-01-21
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (CA)

Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan debt. Under complaint number XXXX, XXXX XXXX " XXXX '' XXXX alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to XXXX in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that XXXX needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (VA)

In recent years I have attempted to dispute incorrect information listed on my credit report by Equifax. I have sent NUMEROUS letters asking them to place the name of 3 XXXX collections that are reported in my credit file with a name of the company that claims I owe them money. Instead they have only listed accounts # 's. I believe I may have been a victim of medical fraud but can not file a report because they won't even give me the name of the company 's. 

Currently the accounts are listed as " Original Creditor : ... ... ... ... ''! This does not give me the ability to use consumer laws to my advantage and even verify if this debt is correct OR even pay it if I truly do owe it. Equifax has ignored my MANY letters of providing proof on how this debt was verified as mine and they continue to report it which in turn in lowering my credit score and damaging my credit profile. I have nothing negative on my reports except for these 3 erroneous accounts that Equifax is reporting. They are not listed on any of my other credit reports. This leads me to believe that Equifax may be participating in illegal practices with false reporting. If this isn't solved ASAP I will be forced to take legal action against one of the largest credit reporting agencies but I can't allow this deformation to occur an longer.
Consumer complaint received 2022-10-03
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: Atlanticus Services Corporation (CT)

I have ALREADY filed a complaint with you about this Fortiva credit card. They STILL have not and will not send me a bill! They sent how much I owed for XX/XX/2022 thats it. No due date. Interest rate Etc. Wasnt a statement. Had to call to make payment AGAIN. Had to get them to remove ANOTHER late fee. Original complaint says closed because they responded to who?? Not me! I CANT use the online bill portal always a problem tells me to call. Ive requested a statement MANY times! I want a monthly paper statement. Ive never gotten one from this company Can you help me or not?? I am also going to file a complaint with the CT State Attorney General
Consumer complaint received 2022-08-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NV)

The Customer enrolled in Ally Banks 1 % Cash Bonus Offer which offered a 1 % cash bonus for depositing new monies to my Savings Account at Ally Bank. 

Ally Bank failed to fulfil payment of the cash bonus to the Customer after the Customer had complied with all the requirements of the cash bonus offer ( which is {$500.00} based on a {$50000.00} deposit ). The Customer enrolled on XX/XX/XXXX, made the deposit on XX/XX/XXXX, and kept the balance in the Ally Bank account through XX/XX/XXXX. The cash bonus was to have been paid on or before XX/XX/XXXX. All supporting documents for the cash bonus offer and compliance evidence is attached. 

The Customer called Ally Banks telephone customer care center on XX/XX/XXXX ( Ally Bank Inquiry Case # XXXX ) and XX/XX/XXXX, and was told that no progress has been made in resolving my case/complaint.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXXXXXX XXXX XXXX XXXXXXXX company charged us a 7 % fee as part of a total charge of {$1000.00} for making payment on a XXXXXXXX XXXX card rather than the 5 % clearly stated on the contract. Bank of America so far is allowing the overcharge. I've received no explanation for why this overcharge was allowed to stand despite numerous calls to BOA.
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (PA)

2 to 3 phone calls a week from XXXX claiming I owe {$140.00} and they want there money. I donot owe them any debt. 
They leave options on how to pay this debt and claim to be Penn Credit
Consumer complaint received 2023-07-25
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. (NY)

I received a copy of my credit report and I see that this erroneous information from XXXX XXXX is still on my credit report. I am reporting this account incorrectly and fraudulent This account does not and have not ever belonged to me, it is a closed account, but also shows remarks stating it was charged off as bad debt and the dispute was resolved wit a balance of {$11000.00}. According to FRA, I have the right to an accurate credit report.