davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XXXX XXXX Senior Vice President, Consumer Complaint Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Re : Data Breach on Account Number XXXX Citibank allowed my savings account to be breached on XX/XX/2019. ( as per attached document ) I am requesting a direct answer from Citibank as to why this data breach occurred? I have banked with Citibank for over ( 30 ) thirty years. I believe that a loyal customer like myself is entitled to complete disclosure as to why this happened? More importantly why it hasnt been resolved? Customer Service tells me that they will make a decisions within ( 10 ) ten days as to return the ( {$7000.00} ) XXXX XXXX XXXX XXXX dollars, without any explanation as to why it was allowed to be taken out in the first place? This was a simple fraudulently ACH transfer to XXXX  XXXX XXXX, Why wasnt XXXX  XXXX XXXX contacted immediately, to find out who and where this money was transferred too? This money should have been released immediately. 
I was requested by my bank representative ( XXXX XXXX ) XXXX XXXX Ca. Branch located @ XXXX XXXX XXXX XXXX. XXXX XXXX, Ca. to remove the majority of the money from this account, and to leave it opened, To open a new account, with a new account number later? Without any concern as to when the money would have been released back to my account. 
After reporting this I filed a police report with the XXXX XXXX Sheriff Department. They recommended me to contact all ( 3 ) Credit bureau 's and lock my accounts. In which I have done, however this required ( 3 ) three days of filling out forms, making phone calls, and several correspondence with these three bureau 's. Now the fourth day to contact Citibank via this letter. 
Im a senior citizen with several health problems, this has added to the stress in my life to the point that it is effecting my health. I havent eaten, or slept well since this occurrence. 
In addition it is near XXXX and the funds that the bank seems to have Lost were funds I expected to use during the holidays. 
This is totally unacceptable to me, I have contacted my attorney XXXX XXXX of XXXX and XXXX XXXX   firm, in XXXX XXXX, Ca. they are looking into this breach as well. 


Awaiting your Reply : XXXX XXXX
Consumer complaint received 2024-08-28
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. (MS)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
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. (WI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (NY)

They are trying to collect a debt of {$2800.00} that was put on a chapter XXXX bankruptcy in 2016. Im a widow on XXXX. This was on that bankruptcy, Im being harrassed nonstop.
Consumer complaint received 2019-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-15
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. (FL)

I have contacted Equifax for more than 90 days filing an inquiry ( s ) dispute clearly stating that the inquiries are " unathorized. '' not mine. The inquiry ( s ) by these creditors are inviolation of Permisdible Purpose vs ... a Hard Inquiry review of my credit report. I did not authorize any of these creditors to review my credit reports for credit Approval. Equifax has intentionally ignored my repeated dispute requestes by mail, and online. Equifax is simply mailing a standard form stating Eqyifax had received my dispute and has been reviewed- a review is not a dispute veriying the accuravcy of a disputed item reported on my credit report. Equifax simply sends a letter out stating contact the creditor. I have done so three times, and called and have been told by the creditor that they can not locate my information. Equifax has a duty to inveztigate any disputed item. Failure to remove the disputed items Equifax file file number XXXX dated XX/XX/XXXX constitutes vilations of FCRA Section 604 permissible Purpose reviews when checking credit history without consumer consent, but rather the pull being a Hard Inquiry, when it should have been a Permusdible Inquiry not seen by creditors. A 42 USC 1983 Civil Action will be filed for Non-Compliance for failing to remove the inquiries.
Consumer complaint received 2019-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

Flagstar bank applied the wrong escrow amount to my account, which ballooned my mortgage payment in XX/XX/2019. I had an automatic draft set up, so when I saw my payment increase by XXXX , I stopped payment. It was a XXXX $ charge to me due to me through my bank. After months of going back and forth with Flagstar that I didn't owe that amount in my escrow it was finally fixed, I had to call multiple times a day and endure people hanging up in my face and telling me that payment was correct. After four months, my payment amount was fixed, but I never received my XXXX $ back or a sorry for the treatment I received or stress due to not knowing if I would be able to pay the amount. In XXXX, a couple of managers told me that I would get my XXXX $ back and that the check was sent out, but I never got the payment, I believe they were telling me this to get me off the phone, and the check was never sent out. I called today on XXXX, and the person said they would have to open a new case after four months of waiting.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AZ)

I am or was refinancing my primary residence at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I locked my rate and submitted my loan application on XX/XX/XXXX. After constant delays and hiccups Loan Depot set a traveling notary to our house to sign and notarize documents/signatures. on XX/XX/XXXX they emailed me stating they all the documentation in underwriting with our signatures for final review ( Im a licensed XXXX year XXXX XXXX XXXX in XXXX XXXX, XXXX  and also in XXXX since XX/XX/XXXX ). On XX/XX/XXXX I received an email that we funded and would be closing the same day. After that there was no indication or communication that the Deed ( s ) were recorded. I have been checking my bank to verify my loan being paid off which usually shows up within 24 hours and saw nothing on-line on Loan Depot 's website? I have emailed every one I could get a hold of via email and telephone and I finally pulled a Closing Disclosure off their website today. My loan is still in place 1 week later with my existing lender XXXX XXXX, the XXXX XXXX XXXX XXXX that was supposed to receive the 1st installment payment out of the refinance has received now payment. Furthermore, XXXX XXXX Bank has not received any contact or payment for payment of the existing 1st Deed of Trust. We have received nothing in the mail. I have contacted every one I could at Loan Depot. They do not respond with the exception of the lending department manager yesterday called me and stated they do not have the money on hand, but the deal has closed. Im a XXXX  year XXXX XXXX XXXX and have never heard of a deal closing with no previous debt paid off, the Deed ( s ) recorded and a final HUD1 ( Closing Dispersement ). I am concerned that Loan Depot may have funded the loan and kept the money and/or misappropriated to another borrower or never funded and actually closed and my exposure of either of these scenarios is potentially have one unrecorded loan accruing interest in our names and us not knowing where the money is located in addition to our existing mortgage accruing interest at a much higher rate at the same time and our 1st installment property taxes being delinquent or being paid  twice and then trying to collect the monies?!
Consumer complaint received 2019-10-24
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. (IL)

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-03-21
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: JPMORGAN CHASE & CO. (LA)

A Chase Sapphire credit card was mailed to my home address and I destroyed it because I never applied for this. Several days later, a bill from that credit card was sent to my home address. It had a {$95.00} balance for an annual membership fee. I called this credit card company to inquire and they informed my that an application with a former name I had was applied for, using my current address and that this was applied for on XX/XX/2022. Again, I had not applied for this and informed this company of such. They told me they would close the account and send me a letter verifying this as well as reporting this to the credit reporting agencies. I received that letter on XX/XX/2022. I also applied for a fraud alert with XXXX.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (MO)

Dear, Cfpb & Elan Financial Please disregard my first complaint that was submitted. I spoken with an representative from Cardmember Services to resolve this issue long after. I am now submitting this information opening a new case about getting this item removed from the settlement agreement of {$350.00} that was processed on XX/XX/2019. 

Thanks,
Consumer complaint received 2021-10-14
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. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

About two months ago a Prebiotic powder was delivered to my home which I did not order from Amazon. Amazon sent me a return label and I took it to XXXX for return. I called confirmed it was returned and that I would be credited. The next month the same product was delivered again this time I returned it to XXXX XXXX. I called Amazon again and confirmed it was received and my account would be receiving a credit. Two days ago I got an email from Amazon stating I owe {$60.00}. I called and requested fraud department the representative would not assist stating I have to call Amazon. I explained to the representative that I have already made several calls and was assured my balance would be credited and my card would be back to XXXX balance. I am getting the run around with no resolution. I never ordered the Prebiotic powderbor XXXX.
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

on about XX/XX/20 purchased computer table on line through PAYPal Service Inc money was debited from my XXXX XXXX XXXX Account debit card in amount of {$50.00} cents. The item was never delivered to home. Contacted Paypal numerous times VIA internet they leave you on hold long periods of time and have poor customer service to assist customers using Covid 19 as a flaw not to respond or refund customers money.

If you don't receive and item and have paid for service or item and the company refuse to send or delay item or will not provide information on shipment. Then this is fraud. 
Sincerely, XXXX XXXX XXXX XXXX XXXX ct XXXX Il XXXX Paypal inc XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Reciept no XXXX XXXX Support Team Merchant
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (GA)

XXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXXXXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXXXXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX XXXX account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 













15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2019-12-15
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: EQUIFAX, INC. (MO)

During XX/XX/XXXX at the end of the year in XX/XX/XXXX I notified the school that I would not be able to attend due to medical reason and would like to take time off and filled out the proper paper work as well as other issues that were causing a problem. I was ensured everything will find and when I could restart they would allow this. In XX/XX/XXXX the beginning of the year I was receiving calls that I wasn't attending class and they said they didn't have all paper work and it was sent again. My adviser left that school during this time or they changed the adviser and again I thought it was okay weeks later I see another class was started and said I had not attended and was in violation. I again called and told them to and they said they would take care of it. They refunded the money back to the loan company for the federal loans so I assumed everything was okay. The following year in XX/XX/XXXX I received notice I had a bill from the University of XXXX and that it was past due and was being reported as write off from the school and listed by credit reporting Agencies as a closed account and as a revolving installment loan that was late. I contacted the school and they said that the bill was left over from the XX/XX/XXXX semester and even though I didn't attend it wasn't done in time so they were billing me. I explained what happened and requested a investigation and requested them to remove this until the investigation was over due to me involved in trying to buy a home. They said they do not delete anything but I could pay and they would up date it. I stated to them I don't owe this bill and to stop the collection process and delete this and it was reporting that I was late on a open installment loan but listed a couple of time on the report in closed accounts and in installments loans that are deliquent now I have 8 late pays and the collection agency as well as the school are on my credit report and they are refusing to remove. As you can see they are in the right here and since they returned the funds to the XXXX XXXX XXXX and I am not in default with them at all and they are continuing to pay for school for me. I also at this time must tell you they kept XXXX over that amount of funds that are due each semester as a refund to me after the classes are paid for and I pay that back to the XXXX XXXX XXXX. They stated to me I accepted a direct deposit of the refund in which was not the case. They never refunded that amount and yet they are claiming I owe for a entire class of XXXX, so why would they refund that amount.