davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MI)

Deposited {$5000.00} into new checking account approx 2 years ago. No activity with the account until XX/XX/22 when I contacted customer service to make sure the check I was writing would not bounce because of the inactivity. They told me my account was restricted. I was on the phone on XX/XX/22 for 1 hour and 20 minutes trying to get the account unrestricted to no avail. On XX/XX/22 I made and received 4 calls for a total of 58 minutes when I was finally told the account was unrestricted and I also sent by XXXX an additional {$3000.00} to this account so I didn't go below the minimum to avoid fees. The check I wrote was for {$2000.00} as earnest money for a real estate transaction and I was informed that the check bounced. On XX/XX/22 I spent another 40 minutes trying to find out why they bounced the check and again no real answer but I was finally told the account was unrestricted. However, on XX/XX/22 I tried to send money through XXXX and the transaction was rejected by Citibank for no reason. There are no physical branches in Michigan where I can try to get help. Each time I call the customer service they just say they are checking, sorry for the wait, please hold for a few more minutes, and they they come back and repeat this same sequence. I am pretty sure I am not talking to anyone in the U.S. and I wonder if any of this is legitimate. I want my money NOW and want my account closed because I will never do business with Citibank again.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today, my online account was again not functioning, so I was unable to access my dispute center, freeze status, credit report, or Fraud alerts. After speaking with several agents, I was told I could complete the disputes on the phone. I voiced my concerns regarding the conversation I had with XXXX that lasted until XXXX XXXX XXXX today. XXXX was very rude and unhelpful when I asked if she was able to use my FTC, police report, ID, and FCRA 605 request to block information She kept rudely repeating " No, but I can see you filed a CFPB complaint today. '' When I finally tricked her into acknowledging my documents were on file, she claimed that she could file my disputes over the phone with that and " MY CFPB REPORT '' After she took down the information about the three accounts, asked me why I wanted them disputed and I told her these are not related to any transactions I have made, they are not my accounts or debts, I am a victim of identity theft, and these accounts are listed on my report. I had to ask her when they would be resolved as she didn't offer any information. She stated 30 days. I repeated again I wanted the information blocked from my file within 4 business days in accordance to FCRA 605b as the accounts did not belong to me, and she completely dismissed my request. She kept asking me specific questions about the accounts and I told her I didn't know because they weren't mine like I stated, they were on my FTC report. Finally, she hung up on me when I asked to speak to a supervisor or someone to escalate my issue. 3 more representatives later, I was connected with XXXX in the " special handling '' department. He was unable to help me, again refused to acknowledge my rights under FCRA 605B to block inaccurate information of my credit report within 4 business days. XXXX stated that I would need to contact the creditors directly and send it to them as Trans Union doesn't acknowledge or go by the consumer protection measures of FCRA 605b as I mentioned. I argued that I have been trying to resolve these issues at least a month which is why I have already submitted two reports to the CFPB, and he still was not helpful. I said I would just report this interaction as well, and the call was ended. I am writing this complaint to document TransUnion 's practices. I plan to seek legal action after four days as this bureau has made it completely impossible to reclaim my identity.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon viewing my credit reports I noticed my XXXX XXXX XXXX XXXXXXXX had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. The date open on the XXXX report says XX/XX/XXXX but on Experian, it says XX/XX/XXXX. Also, the date of the last activity also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (PA)

In XXXX I received a letter dated XX/XX/2022 that Barclay XXXX XXXX had closed my account for being more than 90 days past due. 
I logged in to my account on XX/XX/2022 and reviewed the account. 
I owed {$5.00} in XXXX after paying off the balance- this was an interest charge because of the date that I paid. 
I did not realize that this charge had occurred. 
I received NO paper statements or emailed statements. 
I also received NO phone call since XXXX about this past due. 
Over the next months I received incremental late charges totaling just under {$100.00} when I logged in yesterday and paid the total amount. 
I called the XXXX yesterday and they were closed ( Sunday ). 
I called today and spoke to an agent who told me the following : 1. I should be receiving emailed statements- I confirmed my email address - this is strange because I have another Barclays cc and receive statements no problem ; I searched my email for every combination of possible email that I can think of and nothing is there - in fact, the last email I have about my account is from XX/XX/2022 from XXXX, the company that used to have the XXXX XXXX accounts before they switched to Barclays. 
2. I am not receiving paper statements 3. There was a cease and desist on my account so they could not call me - I do not remember telling anyone to not call me, so this is strange. I have never requested any credit card not to call me. I asked that that be removed which the representative said that she did. 
I asked the following questions, and the representative could not answer me : 1. Is my account going to remain closed 2. Was an adverse action reported to the credit bureaus- she said that they report past due payments after 30 days but could not tell me if a report had been made on my account 3. What email are my statements coming from - meaning what email does XXXX XXXX Barclay use to send electronic statements- this way I can search my email to see if I missed the statements- she could not answer that 4. How did I end up on a cease and desist list so that they couldn't call me - I do not remember speaking to anyone in the past and certainly do not recall telling them to never call me again. 
I asked to speak to a supervisor - after holding I was told that none was available but that they would call me back today. I asked that the cease and desist be removed so that the supervisor could call me. 

I am mostly concerned about negative reporting to the credit bureau for this very small amount of money - it seems unreal that this would happen for less than {$100.00}. 

I have no email of statements because I didn't receive any - all I have are statements which they have access to. And the letter that they sent me dated XX/XX/2022. I am happy to provide anything that would be helpful.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (IL)

Account Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (VA)

this is a self lending thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. Self terminated my account when there was an issue withdrawing my payment, and they still report it at XXXX days past due. 1 ) this was never money owed to them ; 2 ) I wanted to participate in the program but they terminated the account but are still reporting it past due
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (CA)

I filed a complaint dispute on XX/XX/22 for a bankruptcy that does not belong to me, that is showing on my credit reports. On XX/XX/22 you responded back thru the CFPB portal, that you conducted an reinvestigation. Experian stated they contacted the public record vendor which is XXXX and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. If Experian truly contacted XXXX, then why did XXXX send me a letter and a report showing that they could not verify that this bankruptcy belong to me and that they removed it from their files? I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for the LAST time for Experian to remove the bankruptcy that does not belong to me off my credit report within 15 days and all fraudulent tradelines showing on my report that list they are under bankruptcy. As I am a litigious consumer, I trust that Experian will correct the issues I have brought to their attention to remove expeditiously. Let me clarify what I am asking to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023, I ordered a tankless water heater from XXXX XXXX for the amount of {$460.00} and paid with my PayPal account. Upon confirmation of this order, I instructed XXXX XXXX to require a signature due to the accessibility to the front door and porch pirate concerns. 
The item was supposed to have arrived the next day. It did not. There was some tracking information provided but I never got the call I requested upon delivery nor was a signature obtained. 
I contacted XXXX XXXX on this and they asked me to file a claim via my payment method which is what I did. I filed a claim with PayPal on this item and I provided them with the documentation on the required signature and on the fact that due to failure to deliver this item, I was forced to buy this water heater a few days later at XXXX. I provided this documentation to PayPal on XX/XX/23 and minutes later, they denied my appeal. 
Paypal is not reviewing or considering this documentation. I am requesting that they reverse this transaction and refund the {$460.00} into my PayPal account promptly. Thank you.
Consumer complaint received 2023-12-03
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

This is a Macy 's store credit card by XXXX XXXX. I have been their customer for years. XXXX months ago, I lost my card and was unaware of it being stolen. I then tried to make purchase online at Macy 's and that's when I realized I don't have my card and it is not letting me to shop online either. I called Macy 's 3 times until the said I have to wait for a call coming from their VERIFICATION DEPARTMENT, to verify my identity and refused to give me any information! Nobody ever called me! Since then I have called multiple times and they blocked my card, accumulated balance, never cared about my stolen card and still don't have a card, am not able to find out what happened to my card, and why am I being discriminated against to this level after them knowing my card is lost/stolen!
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (CO)

I HAVE TRIED, A MULTITUDE OF TIMES, TO CORRECT THE ISSUES, ON MY BACKGROUND REPORT, WITH CHECKR. THEY CONTINUE TO ACT AGAINST THE " Colorado Consumer Credit Reporting Act 12-14.3-105.3 which states that records of arrest, indictment, or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years are not reportable. '' I HAVE REQUESTED TO HAVE THE XXXX  REMOVED, FROM MY BACKGROUND REPORT, WHICH HAVE REACHED THEIR STATUTE OF LIMITATIONS, IN COLORADO, FOR REPORTING. THE COMPANY, CHECKR, REFUSES TO REMOVE THE XXXX, FROM MY BACKGROUND REPORTS ( I HAVE APPLIED, WITH SEVERAL BUSINESSES ).
Consumer complaint received 2023-07-11
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. (TX)

In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right. 

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (NY)

I received a letter from Rent Recovery Solutions LLC attempting to collect a debt in the amount of {$3600.00} under the reference number XXXX dated as of XX/XX/. I have called Rent Recovery Solutions and spoke about the representative that I am not aware of the debt that was represented as lease payment and I have moved out from the apartment more than a year ago. I disputed the debt collection and asked to recceive additional information so I can better understand what is the issue and why the lease is claimed not to have been paid. The Rent Recovery Solutions LLC took a note of that and said to send me that information. 

I have not received any written or electronic communication about the clarification of my dispute or any other information. Despite that, the Rent Recovery Solutions LLC proceeded to put a negative mark on debt collections to the credit agencies. Despite the fact that they not provided me any information about the debt and that the dispute as it states in their letter will stop the collection until they send me such information. 

I have been trying to talk to them about it but only get referred to a manager who is not returning the voicemail and / or is never in the office. The non-manager representative admitted that there was no information sent and that the collection should have been stopped. But no one wants to deal with removing the credit collection remark from my credit agency statements. It really is frustrating and stressful that they are not following their own procedures and the regulation of the federal laws to provide me information and during a dispute stop collection efforts which I have the right to. I hope we can get that someone can take a look at that case and advise me what to do. I have also reached out to the credit score companies and made a dispute about that as well.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (OH)

My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX  and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
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: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX