davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

XXXX ( Department Store National Bank ) XXXX as a store uses this company to issuse there cards. I first was approved for a XXXX credit limited and with in a month nothing changed on my credit report that I used to be approved. They without notice lower my limit to XXXX which dropped my credit score. This made my credit look like I had maxed out my card. This was one mistake. I fought for some time to get my balance down so I then Took out a loan from XXXX XXXX XXXX. to pay it down this loan. The check was sent out on the XXXX of XXXX and cash by there bank on the XXXX of XXXX. My loan officer made a mistake and left the last four numbers of my account number.. As a company they still cashed the check and I sent them a copy of the cash check on the XXXX of the month.. they have yet to return the credit or help me out ... I feel as a company they should be more helpful as a company
Consumer complaint received 2018-05-02
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. (VA)

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX.I received a letter from Chase informing me that my safe deposit box was closed.I had NOT closed that box.When I called the next day, I was told that the box had been drilled on XX/XX/XXXX.The explanation I received was that the auditors were trying to update info on the secondary signer of the box.I was never contacted re : this issue.I did ask why, as the primary signer, I was not contacted, I got no satisfactory explanation.I was never contacted to remove the contents of the box.When I did ask about the disposition of the contents, I was asked if I wanted the contents.That seemed like an odd question to me.I would think I should've been notified of this entire situation.I did receive the contents, on XX/XX/XXXX.All contents were accounted for.I still want to know how my safe deposit box could've been drilled without notice to me, and since the box was drilled on XX/XX/XXXX, why the check for renewal of the box was accepted by Chase.I did receive reimbursement for the rental with the original I am not looking for anything but a reasonable answer to this situation
Consumer complaint received 2024-11-08
Product: Credit reporting 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. (AZ)

I believe I am victim of ID Theft pursuant to section 605B, Please remove these inquiries from my account. Kindly note this is the second dispute for below accounts
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

XXXX XXXX XXXX, using their collections agency Wakefield Associates, is attempting to collect a debt I do not owe, from over two years ago. 

I never received a bill from XXXX, and I never had two-way communications of any kind with XXXX or Wakefield, prior to them attempting to damage my credit. 

I have established that I was not the guarantor for my minor daughter XXXX, and that my ex-wife ( XXXX XXXX ) XXXX XXXX IS the guarantor and responsible party now, and was at the time of service. 

XXXX and Wakefield are wrongly pursuing me, attempting to collect a debt I do not owe, even after I have advised them of the facts regarding who IS the responsible party.
Consumer complaint received 2018-05-02
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. (VA)

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX  student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan  1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I had a foreclosure with a company but it is showing up as 2 separate accounts on my credit report. It is damaging my credit because it appears as though i had 2 foreclosures when i actually only had 1. I've tried correcting the reporting with the company and the bureaus but have been unable to.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ask that you take this complaint seriously and carefully review the attached file. I have been trying for an extended period to resolve the errors on my credit report, but despite my repeated attempts, nothing has been done to correct the inaccuracies. My requests for corrections have been repeatedly ignored, and this situation has become unbearable. 

The impact of these incorrect entries has been far-reaching, affecting nearly every aspect of my life. The stress from dealing with this issue is taking a serious toll on my mental health. Even worse, the errors have lowered my credit score to the point where I cant even afford to seek help due to the negative impact on my financial standing.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I received a letter from debt collector XXXX XXXX to inform me that they are servicing an account that is owned by XXXX XXXX XXXX XXXX, XXXX with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to XXXX XXXX via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that XXXX XXXX provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or XXXX XXXX XXXX. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by XXXX XXXX   XXXX.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to XXXX XXXX on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by XXXX XXXX for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.
Consumer complaint received 2018-05-02
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. (TN)

My ( 2 ) federal student loans with XXXX are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.
Consumer complaint received 2018-05-02
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. (SC)

The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS.

XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2021, I purchased a watch from XXXX. The item was sent with signature required delivery but was never delivered to me and no signature was obtained. I tried multiple times to dispute with XXXX but was not getting an answer. I disputed the amount with PayPal, but they did not properly review the evidence and denied my case. I had to further pursue action by disputing the amount with my credit card. They also falsely denied my claim and recharged my credit card on XX/XX/2021. PayPal has received the money from my credit card. The seller eventually admitted the mistake on XX/XX/XXXX and tried to refund me but PayPal still had my chargeback open. On XX/XX/XXXX, PayPal also deducted the amount from the seller ( I thought this was the seller refunding me ) on transaction XXXX. As of this moment, PayPal has both my money and deducted the amount from the seller.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (SC)

ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX =======  Enhanced Recovery Compan Opened XX/XX/2019 - {$890.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$890.00} Highest Balance {$890.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX ======= The date of XX/XX/2019 is absolutely absurd! This was already settled wit XXXX!!! XXXX had lied and the promises made/ statements made were false and misleading. 

I owe XXXX XXXX!!! 

If they were TRULY owed money we would already be in court. If this keeps up showing on the report as an amount due I WILL take legal action, against both the collection company as well as XXXX. I will subpoena recordings of the promises made ( XXXX records all calls ) and present bank statements to show what they lied about!! 

Thank you. 

========= My mailing address is NOT XXXX XXXX   XXXX  as the PO does NOT deliver to my street.

My USPS address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX is a remote address. We JUST got electricity about a year ago!!!
Consumer complaint received 2018-01-24
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. (MA)

I have four hard inquiries on my credit report that should not be there. These inquiries are here due to inquiry issue! I would like them removed. 

XXXX, supposed inquiry date : XX/XX/XXXX XXXX : supposed inquiry date : XX/XX/XXXX XXXX XXXX XXXX supposed inquiry date : XX/XX/XXXX XXXX XXXX Supposed inquiry date : XX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I have two accounts with Citibank. One one of the accounts I had some items post that the drew the account negative in the amount of ( -XXXX ). I had a positive balance in my other account of ( XXXX ). Citibank debited my one account to pay he other leaving one account at ( XXXX ) and the other account at ( -XXXX ). When I contacted Citibank its initial representatives were in call centers outside of the U.S. and the were very rude stating that Citibank has the right to collateralize any account a person has with them. To which I responded that might be true, but surely their are protocols for doing so, thresholds that trigger such actions. I explained considering that in one of my accounts I have a weekly deposit of almost XXXX deposited to the account ( XXXX ) There was no need for Citibank to take any action on my accounts because after all of my payments are made there would have been enough to cover the negative balance in my account. I had to call three times and finally after being on the phone for more than 2 hours I got a supervisor in a U. S. call center to explain their " sweeps '' protocol for collateralizing occurs when an  account is negative -XXXX or more and the account has been negative 10-15 days ( she later said that it is 15 days ). I explained to her this is why I have an issue. Because it felt like more of a unobjective human decision had been made more than an automated protocol followed, because my account was not negative more than ( -XXXX ) and it has not been 15 days since the account was negative. I take no issue with disclosures/protocols being followed. I do take issue with unjustified actions being taken on my account. It makes me wonder if this is widespread practice for Citibank not to follow its own right to collateralize protocols and its seems very petty especially considering my weekly deposits.
Consumer complaint received 2018-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that Bank of America reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that Bank of America doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

Bank of America car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX XXXX XXXX and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.
Consumer complaint received 2021-11-12
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. (NJ)

I disputed 2 accounts that does not belong to me, XXXX XXXX XXXX and XXXX XXXX XXXX, on my Equifax Credit Report on XXXX/XXXX/2121, XX/XX/2021, and XX/XX/2021. Equifax received my all my disputes, and to date ( XX/XX/2021 ) have not removed my request for this incorrect account to be deleted. I contacted both companies, and XXXX XXXX XXXX never sent me any Debt Validation notices nor XXXX responded to my diapute, so how is Equifax affirming that this false debt has been verified by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, which via a CFPB complaint on XX/XX/2021 responded on XX/XX/2021 and stated this : Company 's Response " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that we previously received Mr. XXXX requests for validation in XX/XX/2021, and although the account was long past the validation period provided under the Fair Debt Collection Practices Act, we immediately placed the account on hold requested validation of account from our creditor-client. Because we had still not received the documentation from our creditor-client when the time frame for a response under the Fair Credit Reporting Act expired, so the account was closed with our office and the Credit Reporting XXXX XXXX CRA ) were instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and recommend giving them at least thirty ( 30 ) days to update their records. Although we have since received the documentation from our client that supports that Ms. XXXX owes the debt, the account will remain closed with our office. We trust this resolved your concerns. '' Equifax is in violation of my rights and they are violation the Fair Credit Reporting Act. They have defamed me and my character, and refuse to rectify this matter.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.