davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I reported an unauthorized fraud charge of {$82.00} from XX/XX/23 on my Citibank Double Cash charge card from vendor XXXX IL XXXX. 
I NEVER received any goods or services for this {$82.00} charge. I called the vendor on XX/XX/23 & asked what I was charged for & XXXX, phone rep, could not tell me & only said take it up with your bank! 
Citibank XXXX Citicards has refused to believe & help me!!! I am outraged that Citibank /Citicards refuses to stand behind their gold member clients!!!! Instead Citibank /Citicards is engaging in this fraud/theft by stealing this {$82.00} from me, their Citibank Gold Member . This is outward theft by my financial institution which I put my financial trust in!!!! I have contacted, via phone, Citibank & Citicards with my complaints numerous times to NO avail. 
Please help my with my consumer financial complaint. Absolutely NO one has any right to fraudulently charge my credit card without my authorization!!! No exceptions.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax has been reporting and continues to report Account XXXX with XXXX XXXX XXXX as an open collections account even though this has been paid in full and should be removed from default status. I have disputed this fact on numerous occasions with Equifax and they have " verified '' information as accurate. I have attached a letter from XXXX XXXX XXXX on their letterhead stating the paid in full balance, removal from default status, closure of account, and statement dates. Equifax is reporting false information though we have provided facts to support our case.
Consumer complaint received 2023-05-19
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2023 I decided I would pay my balance due of {$490.00} early to get it out the way. My payment was not due until XX/XX/2023 of every month. On XX/XX/2023 my payment of {$490.00} was returned due to payment account issues which is my fault I take accountability for accidentally clicking the wrong card to pay off my balance. It was unintentional because I have tried to use my work XXXX XXXX XXXX card my very first time to pay off my balance and it was returned immediately which resulted in me paying my balance with my XXXX XXXX debit card which I had intended to do so if my rapid pay debit card didnt go through. So fast forward to XX/XX/2023, I was going to pay for something quickly my card declined resulting me to check my application and did not notice this issue until I logged onto my capitol one application on my cellular phone. I quickly made a call to XXXX and was told I can pay it off before XXXX and all should be fine. My account wasnt permanently closed until after they confirmed my payment of {$490.00} on XX/XX/2023. Mind you I was never mentioned that they would close my account the only thing my account on the application said that it was restricted. I am frustrated because I understand I might have violated their terms in their words as they said but it shouldve not result in me not being able to get approved by any credit card company. The capitol one representatives let me know I am able to apply for another credit card but am not guaranteed an approval again. I have tried since then to apply again and was denied. I also applied for an XXXX credit card and was denied because of my credit. I am reliable and I made this mistake two times only. I am a single mother and work full time. I just want this resolved so I am able to apply for another credit card in the near future. I am not in debt, I knew my responsibilities and I was just being cautious so I wanted to pay early but I made a mistake.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank let a merchandise XXXX XXXX XXXX overcharge me XXXX from a my checking account without me having funds I did reported this transaction in the past this company did not did anything about it also charged me same fraudulent amounts from another credit cards without my authorization
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2015-08-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Sortis Financial, Inc. (NC)

This company is reporting erroneous information on my XXXX credit report with account number XXXX. Several years ago I filed a bankruptcy which has now discharged. This company has reported this debt to XXXX AFTER the filing of a bankruptcy for a creditor that was included in the bankruptcy with dates as recent as XXXX of 2015. This is a severe violation of the FCRA and FDCPA. I have written them at least XXXX about this. I will attach the documentation.
Consumer complaint received 2017-01-16
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (PA)

We represent an estate of a deceased who had a reverse mortgage. XXXX things, the daughter submitted a request for {$14000.00} from the remaining line of credit three days before the mortgagee died. The money was needed for XXXX bills, etc. Payment was denied. Also, we notified Financial Freedom we wanted to sell the property. They send us a notice of foreclosure. They have ignored both inquiries. Please advise
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

I contacted affirm on XX/XX/XXXX XXXX around XXXX cst due to my refund issued 4 days ago from XXXX not being processed. 

I notice this company does not update refunds promptly, as I had to click in the app to contest a previous refund. 

Along with this, the app ( and I have screenshot ) is showing I have a balance of XXXX as of today from XXXX. The person I spoke to on the phone said I had XXXX loans outstanding in the amount of ~ {$4500.00}. 

As a consumer, I need to see how much I owe! This is not acceptable that there is such a large descrepency in what I'm seeing on the website/app and what the phone clerk are saying. Please hold them payment processors accountable.
Consumer complaint received 2023-05-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (IL)

Asked Chase to fill out a XXXX form from the treasury, They closed my bank account. 
Then when I fought against it they said : The Deposit Account Agreement ( DAA ) allows us to close an account other than a CD at any time, for any reason or no reason, and without prior notice.

What I say that is : # 1 Please return me my WET ink contract with you # 2 I have never heard of DDA? first I've ever hear of, I'm sure its some inhouse Chase talk, because I know nothing about it.

# 3. I enter a complaint on XX/XX/23 issue they respond with a XX/XX/23 response ( not relevant to this particular case DO NOT mix the two ) # 4. We will Clearly stay on the XX/XX/23, when you closed my account for asking for a medallion stamp? 
# 5. Now either you are misrepresenting yourself as a security transferring agent or the Treasury is?

# 6. we already know Chase is representing itself as a FDIC when it is clear Non FDIC insured.

# 7. These people are so inhumane. I have not spoken to a human person about this matter yet.

# 8. Who does it help to treat customers in a mean an inhumane manner?
Consumer complaint received 2024-09-23
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: United Collection Bureau, Inc. (TX)

On XX/XX/year>, I received the debt validation letter for the collection account. However, recently ( XX/XX/year> ) I reviewed all of my consumer credit reports and noticed an inaccuracy regarding how you are currently reporting the collection account to the consumer credit bureaus. Specifically, your collection account is being reported to XXXX and XXXX but not to XXXX XXXXXXXX XXXX XXXX. Moreover, as you're aware all information must be accurate within all credit bureaus. ( All of my consumer credit reports are available upon request to review/confirm this information. )
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (MA)

We're unable to get your credit information from the bureaus. Please review the information you provided to ensure that it's accurate. If any of your information has changed recently, such as your name or address, the bureaus may not have the newer information. 

To help resolve this issue, call Experian XXXX provide them with your account identifier number provided below. 

Experian Account XXXX Won't fix it at all talk with them for XXXX week to get it fix but run around run around
Consumer complaint received 2023-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HarrisLoftus, PLLC (VA)

Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Lawsuit I financed a vehicle with credit acceptance in 2021. The price for the vehicle was {$18000.00}. I paid {$9600.00} on the vehicle so far which includes my down payment. Due to extremely high interest and late fees the balance I owe credit acceptance now is {$29000.00}! The vehicle 's value is only {$9000.00}! I have paid them almost {$10000.00} for this vehicle and they still want an additional {$29000.00} which is insane. I need help! I can not afford this, I never could afford this. I was denied by 8 other loan companies due to my low credit score and low income. Credit acceptance set me up for failure when they gave me this loan with an interest rate of 22.99 %. I make less than {$20000.00} a year. I could never afford this loan. They repossessed my vehicle 3 times already and charged me a large amount of fees for it. My credit score has decreased tremendously. I also have spent almost {$3000.00} on repairs for this vehicle. This loan is ruining my life, I need help desperately, I am a single mother with low income and I can not afford a lawyer.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

On XX/XX/XXXX, I noticed my credit score had decreased by 66 points because of an unknown debt collections account, Kansas Counselors. The amount was {$1300.00} from a company I had never heard of, XXXX XXXX. I filed a dispute since I did not recognize either of these companies, and no prior effort had been made to collect this debt. None of my medical bills are ever that high since I have good health insurance coverage with XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, my dispute was denied by XXXX. I searched for Kansas Counselors online since their phone number was not provided to XXXX. Many XXXX Reviews call them a scam and accuse them of collecting on bills that had already been paid or were from different states people even lived in. I called them on XX/XX/XXXX, and they provided no information about my account other than it was from " XXXX XXXX XXXX. '' I asked them what it was for, what services were provided, and by whom, and they could not answer this information, which seemed like a scam. 

I called XXXX XXXX XXXX  and they had a past due bill for a visit to the XXXX I had on XX/XX/XXXX. Again, I had never heard from this company or any effort to collect this bill. This medical office billed separately from the hospital. I paid a {$350.00} copay to the hospital on my day of service. For whatever reason, XXXX XXXX XXXX had my health insurance information and did not bill them AT ALL. I asked them to adjust my bill with my correct information, and they said they wouldn't since it's been a year. I asked for an itemized list, but they also could not provide it. I called my insurance company and they said there was nothing they could do without XXXX XXXX filing the claim. 

Kansas Counselors is attempting to collect a debt that they know nothing about and can not validate. XXXX XXXX XXXX did not bill me correctly and sent me to collections. I still don't know what the physician bill was for. Anthem said they could do nothing without the medical office submitting a claim, which they refused to do. The man at XXXX XXXX was unhelpful, combative, and couldn't provide me with any information on what they were collecting on. I wish I had more information to upload, but my health insurance was the only company that could provide more details.
Consumer complaint received 2023-05-19
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. (TX)

I recently reviewed my credit report and noticed unauthorized inquiries that do not belong to me. Below Ive listed the inquiries and attached an affidavit from FTC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (VT)

In early XXXX my fiance, XXXX XXXX, and I received a notice from SentryCredit that we owed a debt of {$700.00} due to " rent charges '' that they claimed were never paid. They claimed these charges stemmed from a lease with XXXX XXXX in XXXX, Co, from XX/XX/XXXX - XX/XX/XXXX. Upon reviewing our lease termination documents, it was apparent that this " amount owed '' was the result of a clerical error, specifically, an incorrect move-out date listed for the unit. I contacted SentryCredit on XX/XX/XXXX to dispute this debt and highlight the error for them. At this time, they requested a ledger/balance sheet from XXXX in order to validate the debt. In several subsequent calls to SentryCredit, their representative informed me that they had validated the debt, but had never received any ledger from XXXX pertaining to our account. SentryCredit, to-date, has neither been able to explain how they were able to validate this " debt '' without having received any ledger from XXXX, nor have they provided us with any proof of debt or debt validation documentation. 

In the interim, I contacted the XXXX management office directly to ask them to review our account, and indeed, this " debt '' was the result of a clerical error ; not only did we not owe them any money, they owed us a balance remaining from our security deposit. The management office at XXXX corrected their ledger to reflect no past-due balance on our account and sent us a check for the amount they owed us. 

Since verifying with XXXX that this is not a valid debt, I have contacted SentryCredit multiple times to reiterate that XXXX has corrected the mistaken balance on their end. Each time I call, I am told the same thing : " I will let your case XXXX know ''. When I have followed up to ask if they have received a ledger from XXXX, the answer is always " No ''. When I ask if they have reached out to XXXX to request an updated ledger, the answer is always " no ''. 

As of now, SentryCredit, the collections agency contracted by XXXX is the only entity involved that claims we owe a balance. In the preceding 4 months, they have provided me with no validation of this debt, and they have made XXXX effort to follow up with XXXX for any sort of confirmation. We are now seeing major impacts to both of our credit scores ; my credit score has plunged XXXX points in the last month because SentryCredit refuses to follow up with XXXX to get a correct ledger, or any ledger for that matter. 

Attached below is a screenshot of the ledger, forwarded to me by XXXX 's resident XXXX, reflecting a negative account balance and that, we do not indeed " owe '' anything on this account.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

BAIT AND SWITCH I received an invitation in the mail to open accounts at Citizens Bank and receive bonuses. I went to the local branch and opened the accounts in person XX/XX/year>. I was assured I would receive the bonuses. 
Some time after that, when I returned to make a deposit, I was surprised to discover that I had a preexisting savings account at the bank, which I had forgotten about and which the XXXX who opened the new accounts did not inform me of. This violated the terms of the bonuses. The XXXX who opened the accounts in the first place did not answer my questions as to how he could not have seen the existing account in his system. He said he would ask for a waiver of the requirement that there not already be an account. On a later day I enquired of him by email what the result of the request he said he would make had been, and his answer was nonresponsive to my question. 
BLOCKING OF EXTERNAL TRANSFERS : I was notified by email that external transfers were blocked. XXXX " reasons '' were given. This is them in their entirety : " XXXX. There has been adverse activity reported on your profile. [ No explanation, no source of the putative " report. '' ] XXXX. We have received information [ from where? ] that you may not be the owner of one of the external accounts added to your transfer profile and have taken this action as a security precaution. '' Pure nonsense. ALL my external accounts are years old and in good standing. 
I have accounts at XXXX other financial institutions, and NONE of them have flagged these alleged security issues. My logins continue to work with no problem at them, transfers aren't blocked. 
I have contacted the bank about these matters and they remain unresolved. The latest excuse for blocking external transfers is a problem with my " XXXX  profile. '' I have NEVER USED XXXX WITH ANY BANK. I want to transfer funds to other banks where I have accounts via ACH transfer. 
Citizens bank XXXX XXXX