davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

In XXXX of XXXX  Citi closed my checking account without warning. They sent me an email saying I would receive information on the reason for the closure and the funds in my account in 30 - 60 days. This amount of time was unreasonable to me as I had funds, approximately {$1500.00} which I could no longer access. I submitted a previous complaint to expedite a response from Citi, ref number XXXX. 

After receiving the letter I called and spoke with a representative who informed me that my funds would be released in that XXXX window and there is nothing to be done. 

In early XXXX I received a check from Citi of {$24.00} with no explanation as to what this check was in regards to. I called Citi again to understand the purpose of this check and was informed they would not be releasing the {$1500.00} that is in my account because the name did not match as the account. This money was direct deposited from my wife 's account. I asked what options we had to get the money back. They said we have to visit a Citi branch. The nearest Citi branch is over XXXX miles away from where we live. They then said that the only other option was for my Wife 's payroll to request the deposit be sent back to them to be deposited in a different account. Unfortunately, due to Citi 's slow response and lack of information it has been too long for the payroll department to recall the deposit. 

I understand that she was not a joint user on the account which likely caused the account to be shut down in the first place. However the options provided to receive our money is not acceptable.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CORELOGIC INC (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (TX)

I spoke with a representative from AMSHER collection agency they violated the state laws about the call being monitored or recorded when two new people came on the line and they provided wrong information in regards to the account when I was given information from the original creditor.
Consumer complaint received 2020-04-20
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}
Consumer complaint received 2020-04-20
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. (GA)

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$1400.00}
Consumer complaint received 2020-04-20
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. (GA)

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$1400.00}
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/2020 Barclay Bank Credit Card Dispute Customer Service Dept TO WHOM IT MAY CONCERN! ACCT # XXXX I contacted Barclay Bank a few days ago to inquire who closed my account and why my account was closed without sufficient notice. I have just learned that my best credit account was closed a few days ago. Today I tried to contact Barclay Bank again by phone to resolve this issue and the phone contact option was limited. 

I was away from my home for over 3 weeks. I was staying with a family member out of state and have not received a phone call, mail, or any notification from Barclay due to my illness. I came to find out that my account was CLOSED ending in XXXX. This account was in good standing with a good credit history that I was trying to build and preserve. THEY CLOSED MY ACCOUNT WITHOUT REACHING ME DIRECTLY. The representative told me that they sent me letters by mail but because I was away, did not receive notice from the bank. IT IS IMPORTANT TO KNOW THAT I WANT TO TAKE THIS MATTER TO WHATEVER LEVEL I NEED TO RESOLVE THIS ISSUE. 

Because it is less than 10 days, I am asking the bank to escalate my request to your managers and I am asking that they PLEASE MAKE AN EXCEPTION AND GIVE ME A ONE TIME COURTESY TO REINSTATE my account to protect the integrity of my credit history that I had established with your bank for many years. 

I WOULD LIKE THIS CARD REINSTATED DUE TO CONDITIONS OF QUARENTINE CORONA VIRUS. I THINK THE BANK MADE A HUGE MISTAKE BY CLOSING MY ACCOUNT WITHOUT CONTACTING ME DIRECTLY AND THE AUTOMATED SYSTEM ASSUMED THAT I DID NOT RESPOND. Due to quarantine, I was not at home to receive any mail. I want to file a Consumer Complaint towards BARCLAY BANK. The Banks actions are totally unacceptable during this time of Corona and my established account should be reinstated. In return, I will use the account on a regular basis. 

I thank you in advance XXXX XXXX
Consumer complaint received 2020-04-13
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. (MD)

On XX/XX/20 I sent TransUnion a certified letter for accounts and inquiries that were not mine. I asked that they respond and send me original documentation binding me to this debt. I have not received a letter or any evidence. On XX/XX/20 I sent another letter.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX has illegally reported a alleged debt to Trans Union and XXXX  that I requested for them to send back to the original creditor. XXXX XXXX  was made aware there was fraud and identity theft and negligently brother the law and reported the debt to the credit bureaus. They have violated my rights under FCRA section 623 ( a ) ( 2 ) as they were informed there was identity theft and fraud and reported data to the credit bureaus as 100 % accurate anyways which is a major violation. The original creditor has failed to retrieve the XXXX XXXX police reports XXXX, XXXX, XXXX including not contacting the detective XXXX XXXX on the case.
Consumer complaint received 2020-04-20
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-20
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-04-20
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. (GA)

I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX   XXXX Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX XXXX DateXX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Amount : {$25000.00}
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

in XXXX filed bankruptcy. fifth third was one of the debtors we had to pay. we paid this every bi weekly thru my check auto pay. paid bankruptcy off in XXXX discharged paid in full. that being said tried to refinance thru XXXX XXXX  and they found lien from fith third on us still. called and found out our bankruptcy attorney forgot to file lien strip to have this finalized/dropped. it was too long of period of time for attorney to do anything, and fifth third wont cooperate we have papers of discharge paid in full and they wont close this. saying we owe this godly amount over XXXX now. they never ever tried to contact us or anything. we found out thru refinancing attempt. Thats pretty much short story. we want fifth third to close this and remove lien. we cant refinance or sell. please help.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (GA)

XXXX, GA XXXX XXXX I hope you are Safe and Well!! I can not get a response from the Georgia DOL or it's Partner Way2Go concerning a debit card they promised to send Me. On XX/XX/XXXX I was informed by email from Way2Go/Conduent/XXXX  that a debit card was forthcoming. I have yet to receive the card and No way to Contact them. Way2Go are not answering their phones & their website is completely USELESS. What's disconcerting is I know others who have received their cards after filing weeks after me. Help Please I was just informed that my Claim has been Approved and the Funds forwarded to the account or card which I have NEVER Received.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I purchased a new XXXX XXXX XXXX XXXX for {$54000.00} original contract date was XX/XX/XXXX. I had over 730 FICO scores, and USAA informed me their best rate was 4.5 % for 15 years on that boat. When I was approved they gave me 10 %. I received this boat loan through USAA with every intention of refinancing as soon as I could. I refinanced through XXXX XXXX XXXX XXXX at 4.6 % the first week in XX/XX/XXXX. In XXXX I requested a payoff as well as an itemization of my account. I then requested the same in XXXX when I knew the loan was paid in the first week of XX/XX/XXXX. I called again in XXXX requesting the payoff. I was getting very upset. The payoff amount was higher than the original amount that I purchased and the original loan amount I received from USAA. Finally, in XXXX I went to the escalation department and someone finally sent me an itemization. It only showed the amounts and dates of the payments, there was no principle and interest deductions and itemization on the document. I paid XXXX in payments on a 10 % rate and I owed on payoff {$54000.00} that is {$250.00} more than I purchased this boat for! This has happened to me before with USAA on a car loan. I ended paying it off in three phases. I put {$10.00}, XXXX on Principal and USAA used those funds for interest rather than the intended principal payments, 6 months later I put {$3500.00} and then {$1500.00} down. I requested an itemization for a {$16000.00} loan on a used XXXX XXXX XXXX   and I never received it. Once again they told me their best rate was in the 4 % range and 6 years, I had a 16.6 % rate and I paid on this vehicle in 18 months. if I did not pay this amount toward principle I would never know what I actually paid for that car because I was never given an itemization from USAA on my payments. At 10 % 15 years {$54000.00} my payments should have been {$580.00}. USAA calculated this loan payment at {$580.00}. The number of months I paid I should have paid Month Principal Interest Total Paid Balance XX/XX/XXXX {$130.00} {$450.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} Instead, I owed more than I purchased for this boat. They have robbed me financially and broke laws. They have refused to give me an itemization showing principal and interest payments. Instead, they gave me just my payments and told me that is all they could give me! They now have robbed me twice on two loans and this is illegal!
Consumer complaint received 2019-05-17
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: BARCLAYS BANK DELAWARE (AZ)

There have been several charges made to the same merchant which we frequently do use, however in this instance none of these charges where authorized by us. I have tried contacting Barclays, but the are refusing to consider this fraud as they are stating the physical card was used. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-04-20
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: U.S. BANCORP (OH)

Us bank is reporting to credit bureaus that my account is 30 day past due for the month of XX/XX/XXXX. I requested this company to investigate this matter multiple times but failure to do so. My account was never 30 days past due. My payment was late but never 30 days past due. My due date was on XX/XX/XXXX. A payment made was XX/XX/XXXX. Posted on XXXX. That is not 30 days past due. 30  days past due would be XX/XX/XXXX. This creditor is falsifying information on my report.
Consumer complaint received 2020-04-13
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. (CA)

I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information
Consumer complaint received 2020-04-20
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. (TX)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, XXXX  and Equifax to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hello My Name is XXXX XXXX social XXXX. Fifth third bank cloaed my account in 2016 and reported me to XXXX XXXX XXXX. Due to Covid 19 and and begging the institution to finally remove me from XXXX XXXX so I can open a account for my stimulas money
Consumer complaint received 2020-04-20
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. (OH)

Experian allowed XXXX XXXX XXXX to pull my credit report. This company accessed my personal information without my consent. It is too easy for anyone to access someone's personal information, and this can be dangerous. I have not had any dealings with this company since XXXX. No payments, no arrangements, no conversations. I called on XX/XX/XXXX when I received an alert that XXXX XXXX had pulled my report. I tried to contact Experian, but could not get anyone. I did not give this company permission to pull my credit. I had to shut down my bank account, change my phone number and change employers because of the harassment I received from this company in XXXX. Too many people have too much access or liberties when it comes to consumer private information. This is not fair that I have to fight to get this information removed. It took them seconds to get my information, it will take me months to get the information removed.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

ON XX/XX/2020 AND XX/XX/2020 I wrote to all EXPERIAN in the hope to get items off of my credit report that does not belong to as they are causing harm to my credit profile
Consumer complaint received 2019-05-17
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: PRESTIGE FINANCIAL SERVICES INC (AZ)

I did not authorize this prestige financial to pull my credit report. I have never heard of this company yet my report shows inquiries on XX/XX/XXXX and again on XX/XX/XXXX XX/XX/XXXX