davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

My bank account was compromised via identity theft on XX/XX/2022 and a fraudulent transfer was made from my bank account via XXXX in the amount of {$3200.00} at XXXX, Citibank alerted me through my Fraud Alert Prevention of this " suspicious transaction '' via email at XXXX and declined the Online/Mobile P2P Transfer. 
Subsequently 2 other Citibank email 's was sent at XXXX that they've blocked my Online banking account User ID for my security which was to prevent the fraud from occurring. 

At XXXX, i was alerted via Citibank Text Alerts about the Fraudulent XXXX and if I had authorized it. Since I was driving to Kentucky with my son, I hit both # 1 and # 2 on my phone at XXXX in response. 

They texted me back the following 2 texts at XXXX Free Msg Citi : Your transaction was declined. Please retry. Your account is ready to use. 

And a second similar text message to contact the Citi Fraud department at XXXX. 

I logged into my account via the Citibank App on the road traveling to Kentucky ; approximately in Ohio. 

I saw the transaction as " pending '' and called the Fraud department approximately XXXX and was transferred to several agents as the call lasted exactly an hour and five minutes and 44 seconds. 

After I got off the phone with Citibank, I saw an email from Citibank at : XXXX stating that " I, sent {$3200.00} to XXXX XXXX after repeated communications they declined to authorize the transaction related to suspicious activity of what they claimed had come from an IP address from Florida and/or Virginia of which was never authorized and to whom I have no idea of such person. 

At XXXX ; I received an email from Citibank stating that the " Payee ( s ) on my account was updated and under it it said " Removed '' however their was " NO Name '' of anyone that was removed ''. 

I would have also received a prior email from Citibank, of which I DID NOT, adding this person " XXXX XXXX '' to my bank account ending in XXXX as a payee of which I don't have nor have I authorized. 

It's currently pending investigation under XXXX. My identity and my funds were stolen and I would like to hold all parties responsible for their actions or lack of actions as it is a criminal offense. 

Subsequently, on XX/XX/2022 I receive another email alert from CitiXXXX at XXXX stating that they to have have " identified and flagged this as possible suspicious activity on my checking account. 
Yet the funds were released and processed by Citibank, hence it was their internal fraud protocols that failed them and I should be fully re-imbursed for {$3200.00} of what was stolen out of my checking account.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (SC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

In XXXX of XXXX, Citibank made an offer and continues to solicit me for opening a savings account and a checking account. These offers included rewards for balance maintenance. They know me as I have had their credit cards- one for over 33 years and with which I typically spend {$100000.00} per month. I applied for the checking and savings accounts and was approved - the terms said I had 30 days to fund the accounts. I had to try several times to open the accounts as the site was not working properly. They sent the paperwork in the mail but then sent me an email that said : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. If you'd like to discuss this matter further, please call us at XXXX, Option XXXX, Monday - Friday, XXXX am - XXXXXXXX XXXX and Saturday - Sunday, XXXX am - XXXXXXXX XXXX, '' I called the number and was told that they could not give me any details but a letter would be sent explaining everything. ( the email said to call this number to discuss the matter further ). I letter did come with no explanation of why the accounts were closed. I called again and was told that they could not tell me why the accounts were closed. I called a contact at the Citibank Executive Response Team at ( XXXX at XXXX ). She said she only deals with credit cards but would have her counterpart in the " deposits '' area call me. No one ever did. Citibank continues to solicit me with these account offers with only adds insult to injury. I wonder if there is something in my demographics ( age, location, etc. ) that has them blocking me - a 33 year customer.
Consumer complaint received 2022-08-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Amcap Investments, LLC (TX)

I AM IN FORBEARANCE DUE TO COVID AND DEATH OF A FAMILY MEMBER DUE TO XXXX AND PAYING FOR NURSING HOME FACILITY AND BURIAL EXPENSES. MY CREDIT REPORT IS REFLECTING 30 DAYS LATE IN XXXX AND THE FORBEARANCE SHOULD HAVE FORGAVE ME OF ANY 30 DAY LATES. I HAVE ASK NUMEROUS TIME FOR THE TO BE CORRECTED. I AM IN THE MIDDLE OF SELLING MY PROPERTY AND PURCHASING A NEW HOME AND THIS IS REFLECTING POORLY ON MY CREDIT REPORT AND CAUSED ME A DENIAL DUE TO MY CREDIT SCORE.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NC)

I attempted to settle an account. When speaking with a representative, she said that in order to pay this, she needed updated personal information. She refused to accept payment without a lot personal information that I did not feel comfortable giving. 

Part of the reason she wanted this updated information was because they put this on my credit without notifying me first. She wanted the opportunity to rectify that. The ironic part was that I was trying to settle the debt and she wouldn't allow me to do so.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (FL)

CFPB Complaint ID # XXXX dated on XX/XX/2022 Equifax stated WE VERIFIED THAT THIS ITEM BELONGS TO YOU. However, dated on XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Equifax Information Services LLC is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code. 
Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Equifax ) to prove with documentary evidence that ( Equifax ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ) for each account ( s ) mentioned in CFPB complaint ID # XXXX. Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (ME)

I have spoken with Midland Credit about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klima, Peters & Daly, P.A. (MD)

Yes I did received the summons from court about credit card/ XXXX XXXX, XXXX XXXX always I try to negotiating to reach a payment agreement with the plaintiff and I use email contact is the only way I can have everything writing and save the communication between me and the other part. This is not the only one I already did the same process with 6 debts and everything went well with help discount, they help me. But this company which I am talking about NO. On Thursday XX/XX/2022 around XXXX XXXX. This company and my self made a agreement of monthly payment of {$100.00} starting on XX/XX/2022. XXXX XXXX XXXX by his writing said : He will mail me an agreement to sign and return to their office so They can sent to the court of Maryland. From the beginning he knew abouXXXX XXXX XXXXXXXX  and the amount, there was not confusion. 3 days after on Monday XX/XX/2022 Paper work come home with different debt, different case number from Maryland court.. Debt I do not recognize and Maryland court also due to lack of evidence.. But He is still want me to sign and make responsible for that.. At this moment still waiting for the paper work to sign for XXXX XXXX debt.. Now I have to go to court due to them. I feel they harassed me to be responsible for the other account.
Consumer complaint received 2022-08-03
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. (IL)

In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance XXXX continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need XXXX to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

XXXX also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...
Consumer complaint received 2022-08-03
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)

On XX/XX/2022 I checked my personal email. Upon reviewing the emails that were sent, I came across one from XXXX XXXX that my score had gone down by XXXX points! Wondering why so many points have been taken off of my score, I see that there was an unauthorized hard inquiry from XXXX XXXX Bank for a credit card request. This inquiry was requested via Transunion. 

After reviewing this information, I immediately contacted Transunion regarding this fraudulent activity. Transunion asked that I contact XXXX XXXX which I have done and to file a complaint with the FTC and request a letter. After speaking with XXXX XXXX they informed me that the account would be closed and the inquiry would be removed from my report. I do see that the card was closed, but the inquiry still remains and my points have not been returned.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have previously submitted a claim to a bank of America for some fraudulent charges made on my account. However, the claim was unresolved. I am submitting an appeal because I have not made those charges and I am not responsible for them. Please reinvestigate this matter.
Consumer complaint received 2022-08-03
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2022-08-03
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (VA)

XXXX XXXX XXXXXXXX account ending with XXXX Current Balance : {$5900.00} Available Credit : {$0.00} Minimum Payment Due : {$0.00} Due Date : XXXX Closing Date XX/XX/2022 I attempted to pay {$3400.00} towards my XXXX so that my account would close at {$2500.00} still owing and was NOT ABLE TO MAKE THIS PAYMENT. before Credit Card closes on XX/XX/2022. I am getting the attached message. I contacted PENFED customer service and they are not able to make the payment manually.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I've been sending letters to Experian about these items but I never got any response from them, I felt that I am being ignored and taken advantage. This isn't right.
Consumer complaint received 2022-08-03
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (IN)

In XX/XX/2022 I successfully completed the mortgage modification process with Midland Mtg/Division of MidFirst Bank and I made two payments of the new modification dollar amount of XXXX. I sent the completed paperwork back to Mldland Mortgage and I even called Midland and spoke with a rep before completing the paperwork to make sure I had done everything accurately. I mailed it back and called about one week later to make my third modification payment and was told my plan had been cancelled because the notary that signed it was licensed/authorized in IL not IN. No one told me the notary had to be IN because the property is located in IN. This specific rule is NOT listed on the instruction sheet I received for the modification paperwork. Now at this point I did request the have the papers sent to me again so I can correct this and was told ok, I waited five days called back and was told foreclosure proceedings had been started against. Now my credit file is ruined, has dropped over 50 points and court papers have been filed. 
This company gave me misinformation which caused all of this and it did not provide me with clear and accurate instructions. The harm caused here is serious to me and my family and my future.
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-08-03
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.