davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : I hope this letter finds you well. I am writing this complaint regarding an issue with Citibank that has been going on for the past 5 months. On XX/XX/XXXX I deposited an expense check, in the amount of {$1300.00}, from my company, XXXX XXXX XXXX, via CitiMobil app. This check was deposited a second time by mistake on XX/XX/XXXX onto XXXX XXXX. XXXX XXXX was made aware of the mistake by me the next day and they started the process to return the money that was deposited for the second time to XXXX XXXX. XXXX XXXX   returned the money to XXXX on XX/XX/XXXX and the issue was settled. On XX/XX/XXXX I received a notification from CitiBank that they have deducted the deposited money {$1300.00} from my account. During the past 5 months I have contacted Citibank Customer service more than a dozen times, had in-person branch visit and sat down with the banker, providing them proof that the money was deducted from the companies account yet they never refunded the money to XXXX. They refuse to give me a clear answer as where this money went because XXXX XXXX did not receive their refund. Citibank is also adament in returning the money back to my account. XXXX, who is XXXX XXXX XXXX XXXX, has initiated a case per request of the company to investigate where this money is and why Citibank is not returning it to me or them. There has been no repsonse from Citibank Customer service despite our best efforts to fix this issue. I have attached proofs and documentation for your viewing and would appreciate your help in this matter. The documents attached are : 1-A copy of the letter sent by Citibank 2- A copy of the check ( Front and back ) 3-A letter from the CEO of  XXXX XXXX XXXX sending the copy of the XXXX statement 4-A copy of XXXX ( XXXX XXXX XXXX ) which shows the money was cleared from their account on XX/XX/XXXX and XX/XX/XXXX 5-A copy of my XXXX highlighted statement ( XX/XX/XXXX and XX/XX/XXXX ) showing the money debited back to the company 6- A copy of the emails from the CEO and the accounting manager of the  company stating they have never received the money back from Citibank! 

Please do not hesistate to contact me for any questions or concerns. I thank you in advance for your time and kindest consideration. 

Regards, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

An Escrow analysis was performed in XX/XX/XXXX under the first home insurance figures the XXXX received. It was estimated that my escrow was short and that I needed to pay a difference of XXXX to bring my escrow current which I did in addition to my regular payment on XX/XX/XXXX. I called in the first time in late XX/XX/XXXX at which I was advised by a person in Texas who worked in escrow that my payments would change to {$930.00} and some change, explained over the phone. Today I was told by XXXX in escalations over the phone my escrow account is short and my current payment will be {$950.00} and some change. I told her she is the first person to tell me that my account was short in all the times I called in this month. I ask to consult a manager on the issue and I was told it would take 48 hours for a manager to contact me back with no name or number. There is nothing I can see currently online that reflects a current change and updated info. This has been going on the whole month of XXXX up until today. The new payments are suppose to begin XX/XX/XXXX and there is currently no updates.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (RI)

Hello, Yesterday - XX/XX/XXXX - I was alerted that a new collection account has been added to my credit report. When I further investigated I was notified by the collection agency that this was a collection account for first access credit card. I have never had nor have I applied for a first access credit card. They claim that I took this card out in XXXX of XXXX. Why is there no hard or soft inquiry from them at this time? Why have i never received a credit card statement either by email or regular mail. They claim to have my address I have never received a statement or anything sent to my address @ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. I receive emails from the USPS every day which details what mail i have received on any given day with copies! and I have never ever received anything from this company. They have also never ever even reported a balance nor " my purported ' past due payment to any credit bureau. Now they are telling me two years later that i have a card with them that i never paid??? i tried reaching out to first access by phone and email no response. I called Jefferson collection agency JCS @ XXXX they are telling me its serviced by another company which i called @ XXXX ( they never gave me a name of the actual agency " handling this debt '' Even when you call they don't provide a name of their company or anything.. they hung up on my after screaming at me that this is my debt they refused to provide me with a verification of debt!!! before hanging up on me! Please help me this is a fraudulent company and this is not my debt. I am in the process of purchasing a house and this happened right at the point of submitting an offer I can not believe this is happening to me. Please help me!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXX XXXX XXXX # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is possibly incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any another adverse item of information, other than the convictions of crimes which antedates the report by more than seven years ; 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, I applied for a Pottery Barn CapitalOne credit card in XXXX to purchase a seat online for {$2900.00}. The offer was a year to pay the balance without interest. However, in XXXX I started to make payments online. 

On XX/XX/XXXX, I decided to check statements and noticed an interest charge of {$71.00}. immediately I called to request a refund. On the phone with the agents, I was informed that the promotion offer was valid and I was charged additional interest in XXXX for {$71.00} and then in XXXX for {$74.00}. 

The agent was informed that she would help me get the full refund I requested. However, an hour later I received an email with a link to a letter denying the refund. 

I called again for additional information. Since it has passed 90 days since the first time the interest was charged without a " complaint '', my money would not be refunded. 

Furthermore, the offer was not valid and directed me to call Pottery Barn because CapitalOne couldn't/would n't help further. 

These businesses deceived me and stole money from me. I now have to pay in full to avoid additional interest charges.
Consumer complaint received 2020-07-16
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. (NV)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report DEPTOFEDXXXX   XXXX {$4300.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFEDXXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$4300.00}
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover failed to inform me that my payments had been missed ( I had set up direct pay with them and automatic payment ). As a result, I was charged return payment fees, late fees, and interest on those fees, and finally my account was closed, at which point I was informed. 

Discover simply insisted I pay the amount I owed ( including late and returned payment fees from their error, plus interest ), and would not reinstate my account. Their incorrect reporting remains on my credit.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX US BKPT CT XXXX XXXX  Type : XXXX Status : Dismissed Reference # XXXX XXXX Asset Amount : Date XXXX : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX.S. Bankruptcy Court Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX Asset Amount : Date XXXX XXXX XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am writing to address the recent fraudulent activities that have been linked to my account and to clear up any misunderstandings regarding my involvement. I understand that there have been perceived inconsistencies in my previous communications, and I want to provide a clear and comprehensive account of the situation. 

In XXXX, my grandmother passed away, and during that difficult time, my son 's phone, which was my old XXXX, went missing. We spent a lot of time at the hospital and at various relatives ' homes, and it was during this period that the phone was lost. My son recently admitted that he did not inform me about the missing phone because he was scared I would be upset. This crucial piece of information has just come to light, which is why I am finding new details as I try to investigate and resolve this matter. 

It is important to note that the phone was unlocked and had my card information stored on it. I believe that whoever found the phone accessed my information and used it fraudulently. I am in the middle of selling my current home and buying a new one, and I am fully aware of how critical it is to maintain a good credit score during this process. My credit score was XXXX before these fraudulent activities occurred, and now, due to these unauthorized inquiries and charges, my credit has been significantly affected. 

I am more than willing to cooperate fully with any investigation to prove my innocence. I have always been diligent about protecting my financial information, and I would never knowingly allow anyone to jeopardize my credit, especially during such an important time in my life. 

I kindly request that you reconsider the decision and allow me the opportunity to provide any additional information or evidence that may help clarify the situation. It is not fair for me to be held responsible for actions that I did not commit, especially when I am doing everything in my power to resolve the issue and clear my name. 

Thank you for your understanding and consideration. I look forward to your response and hope we can work together to resolve this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MI)

In late XXXX my XXXX vehicle was totaled in a XXXX XXXX. There was {$3400.00} due on the loan. 
My insurance company, who has been absolutely wonderful, attempted several times to get CLEAR information on the payoff amount and where to send the funds. 
After many calls from them and myself to Chase we were finally provided an address and instructions to complete the payment. 
I have to say that the associates I spoke with were rude and not helpful. I managed the XXXX XXXX XXXX XXXX XXXX XXXX and these people need training on customer service. 
I just today, XX/XX/XXXX, spoke again to Chase and they have their own agenda and do not allow customers to speak. I finally stated that the first check the insurance company sent had never been applied, it was stopped and a new one was issued. I wanted to be sure my credit would not be impacted. I was told that was a different department. When I asked to speak to that department I was denied. 
I firmly believe the first check reached Chase and their incompetence is why was lost and not applied. I do not want that reflected on my credit.

Chase has made this entire transaction far more difficult and painful than it had to be.

I was actually told to make another regular payment to insure there would be no credit impact and that Chase would refund any over payment. I understand the idea BUT, I have NO trust in Chase to refund anything. They are incompetent.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (PA)

I moved to another house and I never received any notification or email from Macys and they said I was missing couple of months payment then had me pay over {$350.00} in interest without getting back to me to ask for my new address or send me any notification