davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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: Penn Credit Corporation (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  As a consumer by law these accounts on this letter must be updated or deleted immediately.
Consumer complaint received 2020-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (LA)

This is my 3rd complaint against Navient. I am trying to consolidate my student loans and I asked them to provide MPN, verification of the debt I owe. They admit in the last complaint that my online account information was incorrect. Quote from Navient 's last response " After reviewing your Promissory Notes ( which we previously provided to you ), we have confirmed that your 16 Stafford Loans were disbursed to the University of XXXX, not the University of XXXX. Your online account at Navient.com was incorrectly showing the loans as being disbursed to the University of XXXX. Please note that your online account has been updated to reflect University of XXXX as the correct school. We apologize for any inconvenience this may have caused. It is important to understand that a consolidation loan is one loan and is serviced as such. The separation between the subsidized and unsubsidized portions of the loan is for interest subsidy purposes only. Therefore, you will see the separation between the subsidized and unsubsidized portions of your Consolidation loan online at Navient.com. Although the subsidized and unsubsidized portions are separated as explained above, it will reflect on your credit report as one loan. Please understand that your remaining concerns were addressed in our response to CFPB case number XXXX-XXXX  on XX/XX/XXXX. Although we empathize with your situation, our position on this issue has not changed. '' The information provided to be thus far from Navient is still incorrect. They provided me with one MPN for all the loans they service. It is not possible that this one MPN covers all loans they say I owe. The one MPN they provide was signed XX/XX/XXXX. It is not possible that this covers all loans. I was an XXXX XXXX during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I completed loan exit counseling in XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX I was a XXXX student at a different institution. My complaint is that the loans they say I owe in XX/XX/XXXX and XX/XX/XXXX can not be covered under the MPN Navient has sent me to this point. How am I suppose to know how much I owe and who I owe it to if Navient doesn't do their job and keep financial records?
Consumer complaint received 2019-01-31
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA XXXX BKPT CT IL XXXX XXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

I opened a Citi savings account two weeks ago and deposited over $ XXXX from my other bank accounts ( XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX ). I made no withdrawals and never used the included ATM card. Today I was unable to access my account so I contacted Citi customer service and they informed me that my account has been blocked and marked for closure due to a " fraud suspicion '' that Citi was not allowed to disclose with me. The Citi service representatives would only say lines from a script about the account blockage & closure, stating that the " details of the procedure can not be disclosed with consumers ''. Several cycles through Citi customer service provided me with no more information about the status of my funds or my ability to recover them other than that I would theoretically receive a check in 30-60 days, but Citi would not tell me how much the check would be for, including the possibility it could be XXXX. It is 95 % of all my money outside of my IRA and now I'm unable to access it in order to pay my rent and bills for at least 30 days, with no guarantee that I will ever recover that money at all.
Consumer complaint received 2022-09-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

As of XX/XX/XXXX a collection account XXXX from receivable management systems appeared on my ( XXXX XXXX ) credit report on behalf of XXXX XXXX. I called and advised that I had not received any mailings from the company regarding this debt ( showing what my health insurance did pay and the remaining amount ) and it should be removed from my credit until I have been given the opportunity to make payment and receive detailed billing show what the charges are, what the insurance company paid and remaining amount. The company indicated it was sent and that if I paid it they can submit a review to have it removed from my credit reporting, while at the same time indicating they dont do a pay and delete. If that is accurate why would I have to pay and then submit a claim to the collection agency to possibly remove, as the phone rep indicated there are no guarantees. Nor could he advise what the criteria would be to have the collection removed from the credit bureau. Since that time I have been alerted three times that the collection account was flagged on my reporting. This took place on XXXX, XXXX and XX/XX/XXXX. I dont believe it is within state or federal law to flag the credit report more than once. I have a paid monitoring service with both XXXX  and XXXX  and can provide information supporting this. If it is against the law to remove the debt. Then I should have been to allowed time to make payment BEFORE it was applied to the credit bureaus. I should have received proof of debt before I filed an initial claim. If its illegal to remove a debt why did the rep indicate they could but the collection agency has to review it but cant advise what the criteria to remove is? 
These tactics needs to be investigated. I have spoken with the company but to no avail. I feel as though the practices are not in accordance with state/federal law
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (LA)

I have received multiple Citibank AAdvantage co-branded personal and business cards over the last two years to get multiple sign up bonuses. On XX/XX/XXXX I received an e-mail from XXXX XXXX that my AAdvantage account had been suspended with them claiming it was due to misrepresentation. I have never misrepresented myself to XXXX XXXX or Citi bank. This suspension led to them seizing all of the miles in the account which totaled near XXXX at the time of suspension. On XX/XX/XXXX I closed onXXXX of my Citi AAdvantage Business accounts and tried to explain to Citi my issue but the customer service rep did not seem interested. I have tried reaching out to XXXX XXXX multiple times with no response from them. As it stands the remaining Citi AAdvantage personal cards I have are severely limited. I can no longer earn award miles as promised in the terms of the credit card contract and I am not sure if I will receive my other card benefits such as a free checked bag or early boarding when flying XXXX XXXX. Citi needs to explain to XXXX XXXX that the miles I earned are legitimate and therefore this account suspension is unwarranted. As it stands it appears that either Citi or XXXX XXXX are uncomfortable with the amount of miles I earned using their promotions and do not want to honor their part of the contact.
Consumer complaint received 2022-05-15
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. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

XXXX XXXX XXXX is report the following 120 days late I want proof that I was 120 days late There is no full account number on my credit report They keep saying they are responding, I have received no letters, where are their tracking numbers to prove they have responded. 

XXXX XXXX XXXX is violating the following code 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

I want Equifax to remove XXXX XXXX XXXX based off of 15 US Code 1681i - Procedure in case of disputed accuracy I have sent Equifax multiple letters to remove XXXX XXXX XXXX from my credit report immediately. If Equifax has responded to my inquiry, I want proof, I want a tracking number provided, to show they have responded. Equifax has responded to CFPB, but has not responded to me. They have not responded, Please ask them for proof that they have responded to my inquiry.
Consumer complaint received 2020-01-24
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2024-12-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (AZ)

I opened a CD account with Citi mobile. I have citi credit card and they were offering a CD for 7 months. I opened the CD and transferred money through the mobile app. I called in to let them know that I was not going to renew the CD and I wanted to transfer funds out. They told me that I needed to provide a security word, I never set up security word. They said it was my mother maiden name. It was not! They said that I needed to have a debit card in order to be verified. I don't have a debit card, I provided my social security # and credit card #. They said that won't work for CD 's you need a debit card. I don't have debit card, i only opened CD and want to transfer funds back to my XXXX XXXX XXXX account on record for transfers. I could not do anything. I sent the letter and they signed for it XX/XX/XXXX. The CD has 7 day grace period and it matured on the 27. I can not get anyone to tell me if I will ever get my funds. I am told that I need to drive to branch and show my drivers license. There is no branch in Arizona. 

I have no idea why they would allow people to open CD accounts, knowing that they can not transfer funds in the mobile app and if you call in you need a debit card in order be verified or have a passcode that can not be set up with CD.

I want citi to wire my funds to my XXXX XXXX XXXX XXXX per the letter I sent and they signed for.
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (NY)

I have requested in previous letters to Equifax, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine with a third-party Data Furnisher called XXXX in XXXX of 2019.I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that there has been a Security Freeze on it since XXXX of 2019. It is impossible for them to have verified any information with this Data Furnisher and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (AZ)

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.
Consumer complaint received 2021-04-11
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

A debt collection was entered XX/XX/2017 by creditor AR RESOURCES INC. The debt was for a total of {$1100.00}. The creditor did not attempt to notify me of such debt by mail, email or phone. I mailed a certified letter with signature service requesting in writing debt validation. I have yet to receive any said documents from AR RESOURCES INC, stating my legal obligation to this {$1100.00} debt.
Consumer complaint received 2022-03-22
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: CITIBANK, N.A. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2021-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (PA)

I've been corresponding with the affirm company since XX/XX/XXXX when an unauthorized loan came into my account for the amount of XXXX. I've filled out affidavits I've been in contact with XXXX and affirm XXXX can not give me info because I don't have anything to provide to them to get access such as emails names card numbers etc. Affirm claims they've been investigating this matter.Yet everytime i asked for an update I've been put on hold and no one came back to the call I've emailed and they said hey you have to call us.Yet the last response from them told me i was responsible for this. I'm completely confused on how them letting someone into my account and placing a loan deems them irresponsible.And they asked for another affidavit! Then claimed i never called???? how?
Consumer complaint received 2022-03-01
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)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}