davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IL)

I opened an account with Citibank and received the card on XXXX XXXX, XXXX ; however, it had the incorrect last name. When I called to get it corrected the representatives asked me for my security word, which I gave them what I remembered. They said it was incorrect, when I asked them to provide other verification questions they kept asking me if I have another Citi account, which I do not. The ONLY account I've ever had was with my ex-husband. We've been divorced for six years and I have not used or had access to it since XXXX. They went on to try to verify me through text message ; however, they said they couldn't text me because they couldn't verify that my phone number XXXX is owned by me. I gave them the alternate mobile number that I use for work purposes ( also owned by me ) and they couldn't use that either. Then they requested a landline. I don't know anyone under the age of 65 that still has a landline phone number. 

Finally, they said they'll send me a letter in the mail in 5-7 days. I travel frequently for work and will likely not be home to receive the letter- to which the most recent rep suggested that I should have someone open my mail and read it to me such as a neighbor. I was also told I can not go into a physical Citibank branch with my IDs to rectify the error. 

It has been over three weeks since I was told Id receive a letter in the mail with a code to verify my identity and I have not received anything. I can verify this with the USPS daily emails of mail to be delivered. Furthermore, I have emailed the executive customer service e team every day with no resolution. I used the temp card and because I cant log into the system I have no way to pay the balance and the corporate office is of NO assistance.
Consumer complaint received 2022-10-06
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. (IN)

I have been disputing for the removal of the disputed account from my Credit file. Although I truly appreciate the removal of one of the disputed account from my Credit File, there is still an account that is still reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit reporting act section 605b, the Credit Reporting agencies are required to remove the disputed accounts and information that resulted due to Identity theft from my Credit File as soon as possible. Once again, I am submitting this CFPB Complaint requesting the removal of the account : XXXX. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} from my Credit File.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NH)

I am writing to formally dispute certain items on my consumer report as provided by Chex Systems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Reported Items 1. Reported For : ACCOUNT ABUSE Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : XXXX ( State : MA ) Date of Closure : XX/XX/scrub>XXXX XXXX XXXX : XXXX / XXXX Original Charge Off Amount : {$8500.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Source of Information : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX 2. Reported For : ACCOUNT ABUSE Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : XXXX ( State : MA ) Date of Closure : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$1600.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Source of Information : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Phone Number XXXX XXXX 3. Reported For : TRANSACTIONS INVOLVING POSSIBLY ALTERED ITEMS OR CHECKS Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : [ State unspecified ] Date of Closure : XX/XX/year> XXXX XXXX XXXX XXXX  / XXXX Original Charge Off Amount : {$14.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Grounds for Dispute 1. Violation of FCRA 603 ( d ) [ 15 USC 1681a ] : Chex Systems report contains private transactions and experiences ( e.g., overdrafts, account closures ) between myself and the financial institutions, which should not be included in a consumer report without explicit consumer consent. 
2. Lack of Authorization : I did not provide written authorization to the financial institutions or Chex Systems for the sharing or reporting of my banking information.

3. Inadequate Notification : Under FCRA 606 ( a ) [ 15 USC 1681d ], I did not receive prior notification or disclosure that an investigative consumer report regarding my banking history was created.
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payments on this account. These are definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts are listed below. 
XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

A venmo user with the username @ XXXX sent me several payments for money I was owed around XXXX XXXX XXXX. On XX/XX/XXXX I recieved an email from Venmo stating that the monry was charged back and I was sent into a negative balance with Venmo. Upon further investigation I learned that the user had used a stolen debit card from someone named XXXX XXXX and XXXX disputed the charges with her bank. Venmo opened a dispute but ultimately sided with the cardholder. I am now being made to pay {$340.00} of debt I can not afford due to someone using a stolen credit card on the platform. I have spent countless hours on the phone with Venmo support being told there is nothing they can do and that I must pay the negative balance on my account or be sent to collections.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXX Late XXXXXXXX XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX XXXX Date XX/XX/XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX XXXX. I was surprised to see that the bank had refused my application because of an inaccurate Chex Systems report. I'dappreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

Okay Eye just got off the phone with Great Lakes/Department of Education regarding student loans and XXXX admitted that no Man or Woman representing Great lakes/U.S. Department of Education were present in the event that the contract/partnership/agreement was made which would constitute a meeting of the minds regarding everyone who's involved in the partnership. She also admitted after being asked who's been making payments towards the account if the Man who attended XXXX XXXX XXXX has not made one payment toward such account yet the account is paid up in good standing? She admitted that there could be fraudulent activities as she can be heard looking into the records themselves. This constitutes from the representative of Great Lakes/U.S. Department of Education own mouth that there's not only fraud and that they are the borrowers of the credit which was extended to them but there's proof of failure to validate pursuant to 15 U.S.C. 1692g that the Man whom they've made claims owing a debt does not owe such debt and that Man is actually owed back the credits which Great Lakes/U.S. Department representatives borrowed. No truth in lending disclosures can be found in the promissory notes, contracts/ agreements or partnership nor were there any disclosure pursuant to 15 U.S.C 6802 to opt out of financial institutions not disclosing personal information to a non-affiliated third party. The XXXX XXXX best explained the justification for the mutually exclusive approach in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, where the court found that a company that acquire [ s ] [ performing ] debt [ and ] continues to service it is acting much like original creditor, whereas a company that acquires defaulted debt must have acquire [ d ] the debt for collection [ and ] is acting more like a debt collector. To justify this approach, some courts look to the exception in F.D.C.P.A 's definition of " creditor '' and find that any person who receives assignment of an account in default is doing so solely for the purpose of facilitating such debt for another. Even if the entity owns the4 debt and is thus the person to whom the debt is owed, these courts find that the exception takes them out of the definition of creditor because the debt was originally owed to another. See XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2008 ) ( finding that the definition of creditor excludes those who acquire and attempt collect a debt in default.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am Capital One Venture card customer with a {$30000.00} credit limit. I make large payments and use capital one to take advantage of their Miles reward program. I barely use capital one travel and recently have nee using it to get the miles. I reserved a hotel and accidently put in the incorrect date. When I reviewed my email and realized days later that I did that in error I tried contacting the credit card company. they told me to contact capital one travel so I did. Well the first rep that helped me was very rude and not helpful at all. she told me I couldn't get a refund because it was non-refundable, I explained to her all I wanted to do was put in the correct date. She still wasn't trying to help. I decided to call the hotel myself. The hotel said they would refund me the money as long as i had a new reservation that showed on my account, but that i would have to do it with capital one travel and theyh would contact hotel and reverse the charge. Icalled Capital one back and explained to them and told them what they had to do and this rep was a little more helpful but still did the wrong thing. she requested a refund and the hotel denied it. She did say someone woul call me in 48 hours and 2 weeks pASSED AND NO ONE CALLED ME. So i decided to call back again and thats when i found out the hotel denied the refund and i explained to them that of coursethey were going to deny it. because its non refundable at that point i escalate the problem and got a supervisor who somewhat helped me. I called the hotel again and they told me the same thing. Well we did it again and the sup informed me to make sure i reserve a refundable transaction this time to avoid having the problem. Well, the hotel denied my request because they said what if we refund the customer their money and they cancel their reservation. So then i decide to place a dispute with he credit card and that was rejected. so no matter what way i lost almost a thousand dollars due incompetence. The hotel also informed me that their penalty is only ne night but the credit card kept all my money. I feel i am a very good customer with very good history and make my payments on time. Capital one travel also uses expedia who is very good with their customer service but capital one travel was horrible and worst experience ever. I am a very good loyal customer for the huge bank not to want to help me. When they give thousands of miles away to get someone over to be a customer but couldnt help me with my travel issues.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

The company put the mortgage account under someone's XXXX who never owned the property. I have tried for XXXX XXXX to prove that person never owned the property. They continue to provide tax information and all of it has the wrong XXXX. I have provided the trust documents and they still refuse to put it under the proper XXXX. I have gotten a lawyer involved and they still refuse to change the information. There is not one person to go to so you have to explain the situation to a different person each time you call. 

The company is SPS ( Select Portfolio Servicing ) In XX/XX/2022 I reached out to change the account name because the Account name because the account was associated with grandmother not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of updating the account name to match the SSN they updated the SSN to match the account name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided various documents proving she never owned the property but company has not changed the information. They agree that the property belongs to me but they have so many departments that can not interact with XXXX another that nothing has been done. I need to file taxes but they continue to provide erroneous tax information
Consumer complaint received 2023-01-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-02-07
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I was issued two checks from my homeowners insurance related to water damage that happened to my home a year ago. I had no problem getting these checks endorsed by my last mortgage holder, but my mortgage was sold to Freedom Mortgage company a couple of months ago. On XX/XX/XXXX I mailed the 2 checks as directed on the phone to their loss drafts department. On XX/XX/XXXX, I received a large packet of paperwork saying that they needed more information before endorsing my checks. They are asking for an adjusters report for the checks. My insurance did not furnish me with an adjusters report because the adjustment was done last year when the majority of the fixes on the home were done. These remaining checks, which totaled about {$10000.00}, are related to Work that has already been done. I did not receive extra documentation from my insurance company. I called and told them this, and they told me that not only would they not endorse my checks, if I didnt get this information from my insurance company in five business days the checks would be sent back to me on endorsed. The man on the phone was rude and unhelpful. Theyre basically holding my checks XXXX and saying they wont endorse them without more information from my insurance company, which my insurance company did not give me. I have emailed my insurance company and called them, but have not heard back. I feel that the mortgage company is unjustly holding my checks XXXX, and Im not going to be able to get my money in a timely matter. Whats worse, this is costing me hours out of my life of unpaid labor, without getting my checks endorse. I did not have to do this with my last mortgage lender. I completed the repairs on my house in XX/XX/XXXX, and they were all done very satisfactorily, with my house now worth more than it was before the water intrusion. The mortgage company is obstructing my ability to get the payments from my insurance company, but holding me up with paperwork that doesnt exist. Despite me sending the paperwork over two weeks ago, they are giving me an arbitrary deadline of getting more paperwork from my insurance company in five business days.They are also wasting my time. I work XXXX hours a week, and I dont have time to spend hours on the phone with my mortgage company or my insurance company over these checks.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Olson Associates PC (UT)

On XX/XX/2022, I received a court summons from Olson Shaner, XXXX XXXX  XXXX. This was the first communication I had ever had with Olson Shaner. I was never given any notice of debt or the opportunity to dispute the debt.