davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I opened a savings account with Citibank when they offered a promotion to receive a {$450.00} bonus. I deposited approximately {$200000.00} into the account in XXXX and XXXX from other financial institutions. I made a single wire transfer out of the account for approximately {$120000.00} to purchase a vehicle in XXXX. 

On XX/XX/XXXX I logged into my online Citibank account and it stated my savings account was blocked. I called customer service and they told me they are planning on terminating my account in 30 to 60 days after which they will mail a check for the remaining balance. Citibank refuses to provide me with my account balance or how much money will be refunded to me. Agents of Citibank now just hang up on me and my wife when I call them. 

The promotional {$450.00} bonus was highly misleading and appears to have been a ploy to entice me to make a large deposit into the bank only for the bank to hold my money XXXX and profit off of me. They are trying to force me into giving them an interest-free loan for 60 days. I have no idea when or if they will refund me the balance of my account.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX  has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter XXXX sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given XXXX any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, XXXX XXXX just don't respect the law!
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 
Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery associate has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter portfolio sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given portfolio any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, portfolio recovery just don't respect the law!
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Upgrade, Inc. (CA)

I received a debit card in my name and the company the it was opened under is not helping me Upgrade Debit Card I called the number on the back of the card XXXX I was transferred numerous times and no one can help me
Consumer complaint received 2023-04-03
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. (CA)

XXXX XXXX has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury. 
2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

A refinanced loan was sold to Planet Home lending in XXXX. The loan was not to include escrow for Tax and insurance. I made them aware of the issue XX/XX/XXXX after waiting for over an hour on hold. I made a full payment {$2000.00} because they threatened collections even though the payment amount on the notarized loan documents stated {$1500.00}. A check was then sent to them by the originator for the amount of {$1500.00} they have held that check because my account is in review. Now on XX/XX/XXXX they are again calling me for collections for a payment that was to be due on XXXX. Even though they are still holding a payment. Every time I call I am on hold for more than a hour and am told to just make the payment to stop the collection calls, as they are still reviewing the account. They are now refusing to refund the over payment or apply the the amount paid to the loan. The only option they gave me was to go ahead and make another payment to get my account out of collections.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (NJ)

XXXX A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX  with an account number they also called a member in my household their cell number which I have no clue how they would even get that number it has nothing to do with me. I want ugly this was right after I did my census I truly hope that is not the case. A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX with an account number they also called a member in my household on their cell number which I have no clue how they would even get that number it has nothing to do with me. Ironically this was right after I did my census. I truly hope that is not the case case. When I found out they called someone in my household on their cell not knowing how on earth they couldve got that number so I contacted them immediately and they would not give me any information a woman answered who sounded very unprofessional when I wanted information as to what it was in reference to she wanted personal information first to verify myself when I asked her why she called somebody else on their cell phone and how they got that number, she hung up on me its a recorded line so if someone gets access to that that can be proved. The phone number listed did not match the phone number for the company website.Im on my XXXX  once a week I have no collections I never received a collection notice letter Im very confused to all of this and its very unsettling. Im in hopes protecting myself as a citizen will help me I have that right.
Consumer complaint received 2022-12-30
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} ACCT. # XXXX XXXX  # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX ( XXXX ) ) XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX {$320.00}
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, floridaXXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XX/XX/XXXX I am filing a formal complaint requesting the removal of account XXXX XXXX XXXX - XXXX from my credit report due to multiple inconsistencies and lack of verification by the credit reporting agencies. 

Detailed Description : The account in question is reported inconsistently by XXXX XXXX and Experian, with the following specific errors : Inconsistencies in credit limits and balances : XXXX reports a high credit of {$1900.00}, while Experian shows {$0.00} and XXXX {$1800.00}. Both agencies report different credit limit amounts. 

Incomplete Payment History : XXXX does not display any details about this account, which represents a lack of information. 
Current creditor verification : XXXX, XXXX, and Experian were unable to provide the name or details of the current creditor. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure that reasonable credit report information is accurate and verifiable. In this case, the agencies have failed to provide complete or verifiable account information, which has caused me undue harm. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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: Nelnet, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( DEPTEDNELNET account # XXXX Date Opened : XX/XX/2012 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureaus . The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
Consumer complaint received 2021-08-29
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: EQUIFAX, INC. (CA)

Unauthorized Inquires and did not give consent for Equifax to report these on my credit file under law ( 15usc1681b ( a ) ( 2 ) ) I do not give consent, authorize nor benefit from the following inquires and they must be removed immediately. 

Furthermore, I did ask for verification on the alleged inquires and have not received a response back been over 45 days. 

Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX-Card Service ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) Alleged Inquiry : Equifax Mortgage Ser ( XXXX ), ( XX/XX/XXXX )
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brightwater Capital, LLC (OH)

Received phone call from XXXX with bright water capital XXXX stating that her company bought my original debt from XXXXXXXX XXXX and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from XXXX XXXX ( XXXX ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from bright water capital to please send me proof of debt which she only offered to do in an email. 

Brightwaters proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX  ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

XXXX proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. Brightwaters email does not state that. 

If XXXX is in fact who I owe the money to then what happens to all the money that I paid brightwater capital on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC (KY)

On XX/XX/XXXX I contacted Reliant Capital Solutions to negotiate a debt. I attended XXXX XXXX XXXX during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. Reliant Capital Solutions agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that Reliant Capital is reporting this account as unpaid.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-08-20
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. (NY)

Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks
Consumer complaint received 2023-06-25
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. (NJ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you a

re in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 XXXX XXXX Account Open Date : XX/XX/2021 XXXX
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.