davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 2. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX XXXX  Inquiry Date XX/XX/2020 ;
Consumer complaint received 2021-11-13
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. (CA)

My name is XXXX XXXX and I am filing a credit card complaint against Citibank. 

I have been a Citibank Credit card user since I am a XXXX XXXX back in XXXX, I used its credit cards for the past 5 years and always pay my bill on time. 
However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. 

I called Citibank immediately and no one can give me any reason for my account closure. Their support also can not help me to redeem my {$1900.00} cashback I earned over the years. 

Citibank did not provide any solid justifications on why they are closing my account. It made no attempt to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I want to share my experience here to alert any other consumers like me that might be tricked by Citibank. 

XXXX XXXX
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My identity was stolen on XX/XX/ 2017. This electric company says I owe {$800.00} and put it on my credit. I contacted them and faxed them proof that is wasn't me and they say I still owe it and I have to pay. I'm trying to buy a house and they won't remove the debt from my credit reports.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (AZ)

I called AD ADSTRA RECOVERY SERVICE to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XXXX XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
Consumer complaint received 2021-10-26
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. (GA)

Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach. These inaccurate items have been causing me to have problem obtaining credit from banks. I have asked the bureau to look into these items but nothing has been done. The next step would be for me to seek litigation. I have also provided evidence to show that I am a victim of the Equifax data breach.
Consumer complaint received 2024-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX my Kohls charge card was due. Previously around the XXXX of that month I had set up Autopay and it did not go through for whatever reason. I noticed on XX/XX/XXXX and paid the {$27.00}. On XX/XX/XXXX, when trying to make XX/XX/XXXX payment I noticed there was a {$56.00} minimum payment due to late fee. I called Kohls and talked to 2 representatives, and all told me they waived the late fee since I rarely miss a payment and am a preferred customer, however I would still have to make a payment of {$56.00}. The problem, I still have to pay {$56.00} on XX/XX/XXXX even though the late fee was supposedly waived. 
1 ) On XX/XX/XXXX I set up auto pay, even though hesitant from bad experience in XX/XX/XXXX. 
2 ) For whatever reason, autopay never took payment of {$27.00} on the XX/XX/XXXX. 
3 ) I paid on XX/XX/XXXX, 2 days later, a payment of {$27.00} 4 ) I went to make a payment of {$27.00} 's on XX/XX/XXXX and noticed a late fee and min payment of {$56.00} 5 ) I called at XXXX XXXX  on the XX/XX/XXXX. I spoke with 2 KOHLS  representatives. Each representative told me they would waive the late fee, but I still have to make the payment of {$56.00} which is the late fee. I asked if they could waive it, they said they could not. 
5 ) Each representative told me that the late fee goes to my total balance of {$1000.00}, and waiving the late fee takes it to {$940.00} 6 ) They still want to charge me a minimum payment of $ XXXX-this does not seem right to me. 
7 ) When asked to speak to a supervisor, XXXX ( representative ) put me on hold and came back on with the same answer, not allowing me to speak with supervisor. 
8 ) This is not the first time I have had problems with Autopay as  Autopay took a double payment, on XX/XX/XXXX and I had to dispute that with my debit card company ( XXXX ). This occurred when I talked to a representative and they told me they could not do anything. 
9 ) I have one late payment in the whole year of XX/XX/XXXX, and am a  preferred customer at Kohls  10 ) If need documentation, i can provide.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MS)

Initially, approximately, an order was placed, from jc penny, item was charged on a jc penny credit card, for approximately, XXXX, the sleeper sofa was returned, iaw, their guidelines, I was told by a by a jc penny, supervisor that the credit would be returned to the card, once they, had received the sleeper sofa, this item was received, back in the store, on or about XXXX, as of today XXXX, the credit has not yet been returned, to the card, the last two times, I inquired about it, I was told, that it would, be in dispute, for ninety days, in order to get, synchrony Bank, jc penny 's card servicer, to remove the charge, or say they would remove, i was told, that I would have to cancel, the dispute, and pay the balance, to make, a long story short, I have been charged for an item, that jc penny, have in their possession, that I dont have, and will not receive, cancelation of the product, was necessary, being that I am in the process, of closing on a home loan, with a dispute, on the credit, report, would appreciate, any assistance, available, to retify this, and have money i have paid for merchandise, I dont have, and will not receive, returned to me i have paid the charge, in full, XXXX XXXX XXXX
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc. (TX)

I have received several phone calls from this one company. Yesterday, they call my personal cell phone and today my home phone. When I returned the call, whomever answered identified themselves as client services. I asked the name of the company and was told the name of our company is client services. I realized this was the same person that contacted me the prior day, so I again asked what the nature of his call was. He asked if he could speak with XXXX XXXX. So, I asked if he was looked for XXXX or XXXX and again asked what the nature of his call was and asked him to identify himself and again state the name of his company. I was then informed that they will just move forward with legal action will see me in court. 

Client Services phone number is XXXX
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

this is my original complaint number XXXX-XXXX, as a result of all that is happening with my account at Citi, over and above everything today XXXX XX/XX/2021 i was informed by my bank localy, that Citibank NY requested to withdraw money ( XXXX euros ) from my account at my local bank ( XXXX XXXX XXXX - XXXX ) which was the deposit credit from the liquidation and tranfer of my stimulus checks received by the US treasury XXXX and XXXX usd respectively! 

Not only is this illegal and insulting but it requires examplatory action against Citi!! 
Please provide me with assistance at your earliest
Consumer complaint received 2024-10-08
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

PLEASE SEE MY CURRENT CLAIM THROGH YOU XXXX, WHICH YOU MAY SEE IN YOUR SYSTEM AND ATTACHED DOCUMENTATION TO THE ABOVE NUMBER. ALSO I AM ATTACHING ADDITIONAL DOCUMENTATION TO TO THIS CLAM RELATED TO THE SAME MATTER RE MY CAT XXXX  CHARGE FOR {$1000.00} FROM XXXX XXXX XXXX. PLEASE HELP TO STOP SCAM VET PRACTICES.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I filed a complaint against Equifax as it pertains to two hard inquiries that were reporting on my credit report. That of XXXX dated XX/XX/2021 and XXXX dated XX/XX/2021. I disputed these two hard inquiries being reported on my credit report. I have attached a copy of the complaint that I submitted to Equifax through the CFPB. 
Equifax responded and I quote, '' NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ( End Of Quote ) When I checked my credit report online both hard inquiries were still reporting on my credit report. Please delete both hard inquiries from my credit file immediately please.
Consumer complaint received 2022-03-01
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. (MA)

Please be advised that this is not a request for an investigation, but lawful written instructions and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681 a ( e ) an Investigative Consumer Report is defined as a consumer report or portion therefore in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not included specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DO NOT CONSENT TO ANY INVESTIGATION as it is my RIGHT pursuant to 15 USC 1681d ( d ) ( 1 ). I will also make known at this time that EQUIFAX can not lawfully verify anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that EQUIFAX verifies, must be done so under oath in the presence of a Notary. EQUIFAX is a corporation and lifeless, soulless, entity, it does not have the power to verify any information. If ant agent acting on behalf of EQUIFAX assumes the responsibility of verifying any information contained in my consumer report it must be done so having first-hand knowledge of such experiences, under oath and the penalty of perjury. Enclosed you will find a notarized Affidavit of Truth accompanied by exhibits. The following accounts and inquiries are being reported unlawfully pursuant to 15 USC 1681a ( 2 ) ( B ) -Exclusions-.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A credit card as defined pursuant to 15 USC 1602 ( 1 ) means ANY CARD, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. All accounts and inquiries listed were initiated and originated using my social security card which is a credit as defined by Congress under Title 15. They must be deleted immediately along with all old or inaccurate information. This is written instructions pursuant to 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2021-10-08
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: WELLS FARGO & COMPANY (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with VEROS CREDIT. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I received a letter from Citi bank stating that the Wire Transfer that happened on XX/XX/XXXX wasn't Fraud. 

It was fraud and I'm requesting proof that it wasn't fraud my son lost his wallet that had his ID, check stub, and debit card in there. This must be an internal issue as we're not giving proof of anything. 

Please provide explanation as why it's not fraud when I'm claiming it is. Please clear this balance up as this wire wasn't done by me or my son.
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Consumer complaint received 2020-05-19
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-03-23
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: CITIBANK, N.A. (TX)

I never had a mortgage with Citibank. They are reporting late payments with XXXX. I had pulled my credit and immediately notified Citibank and XXXX. Citibank agrees I have never had a mortgage with them. I disputed the error on the XXXX website. I was just notified that Citibank confirmed the information as accurate.
Consumer complaint received 2021-10-08
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: WELLS FARGO & COMPANY (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

Navient Solutions Inc. is claiming that my son ( the student ) co-signed for the Sallie Mae private parent plus loan which he did not. I have requested a copy of all documents pertaining to loan # XXXX and have not received any documents.
Consumer complaint received 2021-10-08
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 very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.