davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

On XX/XX/2022, someone hacked my Citibank checking account and wire transferred {$18000.00} out of my account without my authorization, I found it on the same day night, and immediately call Citibank to locked down my account when it was still on a pending transaction.but few days later, I contacted Citibank again and they told me that my money had transferred out already and Citibank refused to refund me my money. Citibank need to strengthen system security and train they employees, if they locked down my account as soon as it was on a pending transaction, my money was safe.and every time I call Citibank, they always told me that the case is still investigating, and investigator will call me, but there is nobody call me ever, it has been XXXX months, they are still investigating, I need my money back!
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

was on the phone with chime regarding a {$6.00} charge to dispute it was transfered to someone who said he would walk me through the steps to dispute the charge and my account would be credited i was asked to confirm the amount in my savings and checking account and told how to request the XXXX payment be replaced and i remember all the steps i was then told to log out of chime the log back in and the {$6.00} would show as credited back to my account the representative asked me to log out and let him know when i was out of the chime app i did so and the representative hung up the phone when i logged back in my savings and checking accounts were emptied i notified chime and was told it would be treated as a dispute but the claim was denied even though it was their representative who stole the money from my account
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. XXXX. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX 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 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

ECSI I has become the new servicer of an erroneous student loan and has been requesting payment of {$2500.00} which also shows up on my credit report only as of XX/XX/XXXX for a loan opened on XX/XX/XXXX ( it went unreported for 14 years according to ECSI 's records ). I have contested this loan as multiple times as the university with which I initially took the loan has confirmed that I do not have an outstanding balance and provided me with my final XXXX balance tuition bill ( which I have also shared with ECSI ). I have repeatedly asked ECSI to explain where this {$2500.00} is coming from and why is it showing up on my credit report a decade later and they have not responded. I had one loan in the amount of {$3000.00} which was in fact opened thru the university in XXXX and was paid in full by XXXX ( I also have the confirmation of this final payment from XXXX XXXX XXXX Dept of Ed XXXX XXXX and provided that to ECSI to no avail ). I have received correspondences from ECSI and XXXX ( not sure the affiliation ) regarding this incorrect loan of {$2500.00} as well as provided them with documentation affirming that but they have not responded nor requested that the account be closed so it can be removed from my credit report. Please help in resolving this issue as I have been unsuccessful in getting an meaningful response from ECSI.
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (FL)

This promissory note has been discharged and this company refuse to remove from credit report, a 1099c has been sent from this company.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

On XX/XX/ a check was issued to me for a fraud claim denied in error for the amount {$320.00}. I received the check and I intended to deposit it on my current Bank Account ( XXXX XXXX  ). It turns out this check had both of us names on it and Bank wont accept the deposit. It looks like the claim dated back when I had the other checking account number ending on XXXX had my husbands name on account. Then took him off later on when the account number was replaced for the one that ends on XXXX ( latest one ) I took the check to the branch, as adviced, and because I had already written on the back For XXXX Deposit Only they wont accept it either. Ive been on the phone 7 times and from time to time I keep getting thrown around from department to department with no resolution. Im tired of hear - we gon na request the back office to issue a new check or - we gon na call you back. 

I would like to request a check re-issue and if its possible under my name only. 

Im attaching letter and check copies.
Consumer complaint received 2023-10-16
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

After a hail storm destroyed my hot tub, XXXX XXXX XXXX quoted a price of {$10000.00} for the XXXX model hot tub, which included free delivery. 
I authorized XXXX XXXX XXXX over the phone to charge my Chase Visa card for the DEPOSIT to proceed with the delivery on XX/XX/2023. I later found out when I received my statement that the merchant had charged me {$13000.00}, which included {$2900.00} in incorrect charges please see the attached spreadsheet, which I had sent to the merchant numerous times. 
The merchant, knowing that the hot tub purchase was from an insurance claim intentionally and fraudulently overbilled for services that were not delivered or not contracted for, including : Process and evaluation Remove and replace, although free delivery was quoted and promised Electrical work that was not done nor needed Delivery by XXXX, which was included in the free delivery. 
XXXX breaker XXXX XXXX XXXX, which was not needed and not performed Charged {$11000.00} for a hot tub that was quoted at {$10000.00} I disputed the {$2900.00} in overcharges with Chase Bank. Without investigating or requesting my documentation, Chase Bank resolved the fraudulent charges in favor of the merchant.
Consumer complaint received 2020-04-27
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. (NV)

Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove these three fraudulent student loan accounts. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the accounts in question belong to me. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, never had college loans, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by the creditor US DEPT EDU in respondence to my disputes with their own verification departments, and the creditor deemed activities were fraudulent and unverifiable, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove this creditor from my credit profile immediately.
Consumer complaint received 2023-10-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MO)

IQ Data International - reference no. XXXX on behalf of XXXX XXXX XXXX XXXX claims debt owed in excess of {$800.00}. I have disputed this debt as allowed by IQ Data and have received no indication of why the debt is owed. 

I have disputed the debt and provided proof of full payment through the end of my lease. Disputes sent to IQ Data on XXXX and again on XXXX. Sent via certified mail and I have copies of the documents that were sent. 

IQ Data has since filed a negative report to the credit agencies.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I made an ACH payment in the amount of {$17000.00} from my bank ( XXXX ) to the credit card company ( Citibank ). Citi shows this credit amount to my account on the same day, XX/XX/XXXX. However, they did not make the amount paid available under my credit limit and when I called to ask about this they said it was XXXX XXXX  policy to hold payments. I was then informed that my available credit limit would not reflect the XX/XX/XXXX payment until XX/XX/XXXX, more than XXXX business days following the payment. Meanwhile, my bank account reflects the reduction of funds immediately, since its an ACH payment I know that Citi has the funds, yet I lose all benefit of that {$17000.00} in my bank account ( no interest earning ability ), yet receive no benefit via available credit with Citi. Why should Citi get to hold my money for free for all of those days when they can clearly verify the payments was received? This seems very unfair to consumers. If I dont pay my balance in full they charge me interest so why shouldnt they owe me something when they hold my funds like this.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CT)

I am receiving a notice from TSI XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA, XXXX, XXXX. 

The notice claims I owe {$150.00} to XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CT, XXXX. I have never been to XXXX XXXX. I have called numerous times and been unable to have them correct this error. Most recent bill is dated XX/XX/21.
Consumer complaint received 2022-01-14
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. (MO)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-04-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

I requested a back dated forbearance with American Education Services on XX/XX/XXXX, which would cover the dates of the late payments and AES granted me the forbearance with a letter stating it would be back dated and once the forbearance was completed they would remove all negative reporting to the credit bureaus. However, they did not remove the late payments from my credit report. After numerous calls to AES ( reps and supervisors ), I found out that as of XX/XX/XXXX, they have changed their policy to remove late payments when a back dated forbearance or deferment was granted and covers the dates of the late payments. However, anyone who had late payments prior to XX/XX/XXXX would not benefit from the new policy. AES has changed their policy, but refuse to apply it for customers whose late payments were before XX/XX/XXXX.
Consumer complaint received 2023-10-16
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: American Credit Acceptance, LLC (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it
Consumer complaint received 2023-10-16
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: CREDIT ACCEPTANCE CORPORATION (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. XXXX XXXX XXXX XXXX ( XXXX ) ( 12 U.S.C. 5481 et seq. ) : The XXXX established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service International Corp (WI)

decided it was not worth the time to fight a parking ticket, paid before court date, have email confirmation & CC card statement showing paid on XX/XX/2023. 

now I'm getting notices of unpaid from collection agency. Now I have to take the time to call to resolve, no option to submit info online, more time wasted... 

resolve it please- XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I filed 2 disputes with Experian for my student loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company XXXX XXXX that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute Experian said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again Experian came back stating the XXXX XXXX did not give them any change of amounts. I got a letter from XXXX XXXX XXXXXX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. Experian is the only credit reporting agency not removing the balance for me the others have corrected it.
Consumer complaint received 2022-06-14
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. (KS)

In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, 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.

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX  GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

I have brought Citibank in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, XXXX XXXX XXXX has blacklisted me due to an issue with Account XXXX. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, tXXXX XXXX XXXX  XXXX account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
Consumer complaint received 2023-10-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc (SC)

Possible financial XXXX different accounts : 15 us code 1692G I do not recognize how this account is reporting on my credit report. I dont recognize the account number I dont recognize the account status or the account balance nor do I recognize the late payments or any payments associated with it. Everything reported here does not meet the FCRA. When I asked for information from this debt collector they denied any information for me and was very rude and threatening questioning me as to how I dont know this account! fCRA sec 623 that enforce FACTA 312 since they are unable to perform a reasonable investigation then required by FCRA the negative debt must be removed immediately
Consumer complaint received 2022-06-14
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: SYNCHRONY FINANCIAL (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/Verizon. SYNCB/Verizon is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/VERIZON is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/VERIZON any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2022 ( XX/XX/2022 ). If this inquiry is not removed, I will hold SYNCB/VERIZON criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/VERIZON can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.