davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX an automatic payment was made to Mr. Cooper from my bank account. This automatic payment was paid in the form of a check. ON XX/XX/2020, the loan at Mr. Cooper was paid off in a refinance procedure. So, the automatic payment was not cancelled on my part at my bank. It was in the amount of & XXXX. 
I called on XX/XX/XXXX and talked to a representative, that stated that I would receive reimbursement in 5 to 10 business days. It would be refunded to my bank account. This representative did not take a voided check or any bank information from me. On XX/XX/XXXX, I did not have the refund, so I called again to Mr. Cooper and talked with another representative and a supervisor from Texas. The check has not been processed and I called my bank to find out nothing was showing either on our bank side. SO the lady put me in touch with a supervisor that told she was going to rush the request and that I would have a check in 24-72 hours. I waited until XX/XX/XXXX to call again when the check never arrived. I talked to another rep from Texas that said that the check showed requested but that it was not processed because they were doing research. She told me that standard procedure is 15 days for a returned check. Well, we were pasted ten working days. Then I was passed onto another supervisor, who set up a wire to have the money back in my account. She said it would be there Mon/Tuesday, XXXX XXXX. Well, it is XX/XX/XXXX and I still do not have my money back. We are also most at a month and no one can issue me an answer about when I will have the money back. We don't even have an account with them any more. 
I have talked to many different reps and supervisors that tell me different answers to the same question. None of the reps have any idea when and how to get my money sent back to me. I have asked for the check to be overnighted. I was told that can not be done. I really don't care if the money is a wire or a check, I just need the money. This entire experience has caused my family hardship. The money they refuse to give me back is money that is used for the needs of my family. Without this money, my family is suffering.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

Venmo has repeatedly made it impossible to withdraw funds from my account without requiring a fee for immediate transfers to my debit card. I do not use Venmo often but every time I have tried to add my XXXX XXXX Checking Account to Venmo, I am given errors after error. I have manually tried to add my account but when I submit the Routing and Checking Number I receive an error that says " Form submission error. '' Conversely, when I try and add my XXXX Account using the automated Plaid service, it says that it completed but I am then given a message that an error has occurred and for me to try again. This has been an endless cycle of errors for which Venmo states " engineering is working on. '' This is unacceptable and illegal. Venmo can not force me to continue to pay fees due to 'system errors ' on their end that are verging on predatory.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX  Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Public Records : XXXX XXXX  Bankruptcy XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I recently just applied for a new Discover Card account on XX/XX/2019. In the previous years I've had two discover card accounts ; Open road ( which is no longer a card ) and Discover IT. in which I closed both cards personally. Their was fraud on the Discover IT card, Discover closed this at my request and also they gave me an interest are of 0.99 % for closing the account and to pay it off. I was NEVER told that this will refrain from me getting a discover card in the future. Every time I apply for a discover card it says as the reason it was declined is - STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT is the whole reasoning. I have talk to so many customer service people at XXXX and XXXX and they stated to me that they can't change anything to get me approved, meanwhile I have perfect credit and had/have excellent payment history with discover and NEVER missed a payment, also I have two ( 2 ) student loans with Discover as well. I feel discriminated. No one at Discover wants to help with this issue and says its the " computer. '' and that they can not change it, ive asked them how long will this take, Discover informed me they are not sure. I ve NEVER heard of anything in my life in regards to this situation. I was offered a lower APR rate to pay off the account, I was never informed of any paperwork and or statements to me that I would not be able to get a discover card.
Consumer complaint received 2019-08-31
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: ID Analytics, Inc. (GA)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2019-08-31
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)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2021-06-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IN)

I recently changed names. I contacted Citibank customer service to get the change processeed, and was asked to snail mail a copy of the court order. I do so, and got a email confirmation saying my name had been changed. 

When I log into the account service center website, my old name kept coming up. I contacted Citibank customer service, spoke with someone with very broken English, and she was not able to get this sorted out. She wanted me to send the court order back in the mail again, despite me getting a confirmation that the change had been made. I told her it would be easiest to likely close the account. She asked me if I wanted to close the account and I said yes, but I wanted to change my address first. I told her I would call back another time to close it out. 

Around XXXX minutes after we disconnected, I got an email from Citibank saying my account had been closed. When I got the email on my phone, I called them back and stated that I did not authorize the account to be closed, was not read any disclosures or terms to close the account, and would like the action reversed. Nothing has happened yet. 

My credit scores are nearly 800. I had this account for several years and if its closed, it'll lower the average age of my credit history, thus lowering my credit score.
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

At some point in XXXX, Chase Bank closed a long-standing credit card of mine ( opened XXXX ) without warning of any sort, or notification after, purportedly because I did not use the card enough. While they state they mailed a written letter regarding closing the account, they were not able to give me a date it was sent, nor did they post any duplicate of this letter online on their website or send me an email that there was a message waiting for me online. I have banked online exclusively with Chase for over a decade, received all accounts statements paperlessly online, and all past letters or notifications have come to me online.
I am a current customer of Chase in other products, namely an auto lease, which is paid regularly and never late. Similarly, I have a spotless credit record, with a high FICO score, no negative information reported, and a favorable income to credit ratio. Thus, it does not appear the closure was for a credit-related reason. 

At the time of closure, there was a cash rewards program balance of {$220.00}, and this balance was eliminated and never paid out to me. When I called on XXXX XXXX XXXX to find out what was going on, I was told by the telephone representative that I only had 30 days from the account closure to have this balance paid out. As such, Chase converted a significant amount of money that was owed to me through their rewards program without any sort of notification that it was going to do so.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

My personal information was leaked in the equifax and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX  account and fraudulent hard inquiry to be removed from my XXXX, Equifax and XXXX credit report immediately.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (SC)

I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX   and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-08-06
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)

Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but Equifax, XXXX  and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have 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 an account without my written instructions