davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

Here is what happened and what I have done to try to resolve it : The problem : In XXXX, I took a ten-minute, one-mile taxi ride while on vacation in XXXX. I used my Citicard to pay. The payment took a long time to go through while I was in the taxi, and I was in a hurry and neglected to get a receipt. When I got home and saw my statement, I saw he charged me {$2000.00} for this taxi ride. 

As soon as I saw my statement, I called Citicard to explain what happened and dispute the charge. Citicard asked for a receipt, which I didn't have. I explained to Citicard that I wasn't disputing whether a charge should've happened, I was disputing the amount. Any reasonable person would agree that this taxi driver overcharged me by about {$1900.00} either on accident or on purpose. At a rate of about one XXXX per mile, this charge would've meant we were in a taxi for 2,000 miles, which would've been nonstop driving for 24 hours. Any reasonable person could agree this did not happen and we can prove it didn't happen by proving our activity with that credit card, and other credit cards, in the 24 hours prior to this charge. 

Citicard denied my dispute. 

I appealed, and provided the letter I attached to this file which provides a detailed description of the events leading to that taxi ride with backup notes, and ample reasoning behind this being a bogus charge. 

Citicard then told me they reached the merchant -- the taxi company -- and told me they were able to confirm the charge. The merchant provided a receipt to Citicard, which I never received nor did I sign the day of the charge. The receipt Citicard received from the merchant does not include metered miles or time in the car or my signature. 

Citicard closed their investigation and continues to hold me responsible for this charge. 

The bottom line is this taxi driver either knowingly or unknowingly overcharged me by about {$1900.00}. He needs to be held accountable for this error, not me.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/2021 Saturday I was charged fraudulently for {$39.00} by a gym I am not a member of. I immediately contacted US Bank and told them about the charge and they said they couldnt do anything because it was pending. I requested a call back on Monday to fix things to which they agreed. I never heard anything and after about a week I contacted US Bank again this time the charge was reversed. They informed me I was being sent paperwork to certify the charge wad fraudulent. I returned the paperwork and everything seemed ok. But today they have removed {$39.00} from my account. This time it appears to be US bank taking the money out. They have not contacted me with any explanation for the debit. 

This has been such an inconvenience and I just cant understand why they are taking my
Consumer complaint received 2023-01-16
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. (IN)

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX 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 2023-01-16
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

To whom it may concern : My name is XXXX XXXX XXXX. 
A student loan payment of {$410.00} sent by my employer, The University XXXX XXXX, on my behalf on XX/XX/XXXX, to Pioneer Credit Recovery has not been applied to my student loan account, although the check was cashed over a year. The check was shown to be cashed on XX/XX/XXXX, by Pioneer Credit Recovery. 
I have been having my wages garnished by the XXXX XXXX XXXX for my federal student loans since XX/XX/XXXX, and collected by Pioneer Credit Recovery Inc. 
Pioneer credit Recovery has instructed me that they only process the wage garnishment order, and that all payments are sent directly to The   XXXX XXXX XXXX  of The Department of Education, and that I needed to contact the Wage Garnishment Department of The XXXX XXXX XXXX in order to get information on my loan payments.. 
I was told by Pioneer Credit Recovery to contact The XXXX XXXX   XXXX XXXX XXXX Department of The Department Of Education by calling XXXX - XXXX - XXXX to get information on the missing payment. 
On XX/XX/XXXX, at the request of the XXXX  of the DOE, I mailed the requested copy of the front and back of the check that the University XXXX XXXX deducted from my paycheck and paid on XX/XX/XXXX for my student loan payment, and shown to be cashed on XX/XX/XXXX. The XXXX XXXX XXXX/Wage Garnishment Department stated that they received proof of payment on XX/XX/XXXX. I was told that the payment would be applied to my account within 4 business days, and that I would be sent a corrected XXXX Student Loan Interest Statement.  As of today, XX/XX/XXXX, The XXXX XXXX XXXX still has not credited my account for the payment of {$410.00}, or sent me a XXXX updated and corrected Student Loan Interest Statement, although they have received proof of payment from my employer, in the form of the front and back of the check, and breakdown of when it was cashed. 
I am at a loss on what to do at this point. 
In summary, my goal is to have my student loan payment of {$410.00} credited to my account for XXXX, and to also receive an updated XXXX Student Loan Interest Statement. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (OH)

On XX/XX/XXXX, Equifax closed my dispute investigation of inaccurate information of a negative account with XXXX XXXX XXXX. Equifax confirmation no. XXXX. I advised Equifax the reported {$24000.00} balance and the XX/XX/XXXX last payment date are inaccurate. My last payment occurred in XXXX which makes this account more than 7 years old now and non-reportable by law. I told Equifax the creditor will not respond to my requests for an itemized statement and payment ledger that reflects all dates payments and transactions starting with a zero running balance as written debt verification under Fair Credit Reporting Act and Ohio Consumer Sales Practices Act, Ohio Revised XXXX Section XXXX et. seq. I requested Equifax require the creditor submit a payment ledger and itemized statement to prove the delinquency date and balance. But, Equifax 's XX/XX/XXXX dispute report confirms the creditor did not submit any written debt verification and Equifax performed no investigation before it closed my dispute. Equifax violated my rights under the Fair Credit Reporting Act as follows : 1. Consumer right to privacy - 15 U.S.C. 1681, Section 602A ; 2. Improper furnishing of account information without or against consumer 's written instructions, 15 U.S.C. 1681, Section 604 A2
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On 2024 XXXX, Bank of America closed my checking account without telling me why they did that. All my money ( around {$25000.00} is in the accounts, and I need to pay tuition and basic daily needs.
Consumer complaint received 2023-01-16
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. (MI)

The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (ID)

On XX/XX/XXXX I purchased a care package ( {$82.00} ) for my son that is XXXX from XXXX XXXX XXXX ( see uploaded photo ) -- the package was to be delivered on XX/XX/14, when the pkg did not arrive I checked the web site and it said " delivery in process '' -- over the next several weeks I would get the same message, I finally called the number and the message says it is no longer in service, I located another number on the webpage and spoke with XXXX XXXX XXXX and was told the XXXX XXXX XXXX is a " fraud '' -- I then contacted my bank, US Bank, the institution that issued my debit card and was told that I needed to call the number on the back of the card XXXX, I tried calling this number over 5 days at all times of the day and night and no one ever answered, I then went to my bank and tried to speak with the branch manager,  she referred me to their fraud department and I was told that they are not going to help as I had to speak with Reliacard ( number on back of debit card ) I let them know that I have not been able to reach them but they refused to help me any further, I then contacted the Idaho Unemployment office and was told they have no way to contact Reliacard and can not help, I called VISA and they also said I have to speak with Reliacard, I again repeated that Reliacard is not answering their calls, I called the FDIC and they referred me to  the Federal Trade Commission, the Federal Trade commission referred me to the Consumer Finance Protection Bureau, I've filed complaints with the XXXX in Florida where the company is that billed and was paid by my bank US BANK from my debit card, I also filed a complaint with the XXXX in Idaho against US Bank for not helping me -- there is no physical address for Reliacard other than US Bank and they refuse to help. I checked online and see multiple complaints and concerns regarding the USBank Reliacard and their  unresponsiveness to the complaints, something has to be done to help the consumer and have the big corporations like US Bank actually address the complaints.
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. (GA)

you have recently done a so call investigation into the items ive reported to be fraudulent on my credit report. only to come back and tell me that they are mine. these accounts are in fact not mine. ive never signed for these accounts sent documentation to anyone for use of these accounts and you cant show me anything different other then what the furnishers of these accounts have stated. you are violation my rights to have accurate reporting on my credit report and this is hurting my ability to advance in my lifre
Consumer complaint received 2024-11-06
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. (OH)

This account need to be fix to report to say " paid '' not Derogatory Account status is saying Derogatory there no missed payments this is a error on this account needs to say payed this the second time i am reporting this there is a letter letter attached to this account stating this it is paid not late or Derogatory please fix this to say payed i have contacted Transunion to please fix this and and it seem like they ignore the fact the XXXX XXXX has sent a letter that it is saying a payed account please see the the attached letter with this complaint thank you XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have 0 % left to pay on this loan. 

Balance {$0.00} Highest Balance $ 6000 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 60 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Derogatory Type XXXX XXXX  Responsibility Individual Remarks Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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 Email : XXXX Re : Cease and Desist Request and Demand for Removal of Collection Account from Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all collection activities regarding the above-referenced account. I do not acknowledge any debt to your company and dispute the accuracy of the collection reported on my credit report.

This account has been causing undue damage to my creditworthiness, and I demand that you immediately remove any references to this account from my credit reports with all major credit reporting agencies, including but not limited to Experian, XXXX, and XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me in relation to this alleged debt, except to inform me that your company will comply with my request to cease collection efforts or notify me of legal actions that may be taken.

I expect the following actions to be taken within 30 days from the date of this letter : 1. Removal of the collection account from all of my credit reports.

2. A formal confirmation in writing that you will no longer pursue collection of the debt.

3. Verification that the account has been resolved and all adverse information has been removed from my credit report.

Failure to comply with this request will result in me pursuing further legal action and filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney General. 
Please be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to assert them if necessary. 
Thank you for your prompt attention to this matter. I look forward to your written response within 30 days. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OK)

We have a string of fraudulent transactions totaling approximately {$470.00} that the bank refuses to refund. We are able to provide documentation proving we were not present at the time the charges were made, but the bank refuses to accept our evidence or make any corrections.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (KS)

Ive been contacted repeatedly by TransWorld Systems Inc. Ive asked them to stop calling me and they have stated they dont have my number in their system and are unable to stop calling me. I last spoke with XXXX XXXX.
Consumer complaint received 2023-01-16
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. (AL)

I sent a letter to XXXX, Equifax and XXXX on XX/XX/2022 to investigate my account. Here is my tracking number for certified mail : XXXX XXXX XXXX It has been over XXXX  days and I have not received any investigation results. These consumer reporting agencies are in violation. 

According to 15 usc 1681i, XXXX, Equifax and XXXX have XXXX  days to investigate and send me the results. 

I have all evidence attached below
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

This account was opened and created fraudulently by my XXXX whom was staying with me at the time, she suffers from XXXXXXXX XXXX and was using my XXXX and I as a way to fund her habits, she opened a fraudulent XXXX  account, XXXX about getting a settlement check and buying gifts with it, and then sold the account. This collection does not belong to me and the company is constantly calling me.
Consumer complaint received 2024-11-06
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

On XX/XX/2021 I received several suspicious msgs on my phone supposedly from " Chime '' so I took screen shots of said msgs and sent to customer service @ Chime. They immediately locked my account. After two day of calling and calling finally spoke to a supervisor ( which his name and notes are on my account ) " XXXX '' employee number XXXX conformed they had in fact received my email containing front and back photos of my government issued driver 's license, social security card and a utility bill in my name with corresponding address wwhich was at their request. No one @ Chime will explain why they will not " unfreeze '' my account. They just keep saying your account looks fine and should be unlocked within 24-48 hrs, since the XXXX. After much leg work on my end finally got deposits stopped to the Chime card but two deposits were before I could get all stopped so there's even more on my card now. XXXX XXXX XXXX Chime XXXX has basically stolen my money. PLEASE SOMEONE HELP