davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

I am writing to bring to your attention a serious matter that has been ongoing since XX/XX/2023. This situation concerns my banking account with Citi, which has been handled in a way that is distressing and unacceptable. I am based on North Carolina USA. On XX/XX/2023, I was informed via mail that my Citi banking account was restricted and would be closed within 60 days. It was explicitly stated that I would receive a check from Citi within that timeframe, as I had a balance exceeding {$4000.00}. However, it has been more than 100 days since the notification, and I am yet to receive the aforementioned check. In an effort to resolve this issue, I have contacted your customer service department on more than 40 occasions. Despite the numerous calls and the countless minutes spent explaining the problem, I have been met with nothing but apparent indifference, with no one providing a clear solution or offering a viable means to rectify the situation. The situation has reached an impasse and has put me under substantial financial strain and XXXX XXXX. The absence of a meaningful response and the failure to return my funds is not only deeply concerning but also, in my opinion, unprofessional and negligent. Therefore, I kindly urge you to look into this matter with the urgency it deserves. I have waited patiently for a resolution and would like my funds returned immediately. If my funds are not promptly returned, I will have no choice but to escalate this issue further, including potentially seeking legal redress. I look forward to hearing from you soon with a view to resolving this matter expediently.
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Capital One Inquiry Date : XX/XX/XXXXXXXX  Capital One Auto Fin Inquiry Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (OH)

For the bill charged from the weekend of XX/XX/XXXX of 2022 I was hit by a utility truck. The utility truck was the one at fault. I assume my auto insurance company and/or the at fault 's insurance company should be the ones taking care of the medical bill and not I. 
The hospital and I have made attempts to get a hold of the XXXX. I have even tried to call the XXXX 's supervisor but I have no gotten answers or call backs. 

If I'm mistaken about how the process works of me getting hurt by someone else then please evaluate and let me know. 
There should be police reports of the accident if anything needs to be looked over.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (TX)

First I received a alert through XXXX XXXX XXXX stating a debt collection. By the name of Dynamic Recovery Solutions never hear of it. So I called the number that XXXX had listed in the alert, mind you I didn't have to type the phone number in. It was a linked number in the report, the number sent me to an employee XXXX help line. I told them what was going on and that this was the number provided as a linked number. They told me to call XXXX I did and it explained it to them, they looked into my credit history and was able to find supposedly the origin of the debt collection. A company called XXXX XXXX called the number provided by XXXX. They immediately started asking for personal information, I explained I wouldn't give them anything until they first confirmed their address provided by the XXXX  alert. They gave me a completely different address, then when I explained how I called the number that is linked in the XXXX  alert and it went to the employee XXXX help line, the lady hung up. So I called XXXX back and let them know this is definitely a fraud case.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IN)

To whom it may concern On XXXX this collection agency name : Absolute Resolutions, INV Reported an accurate debt to XXXX XXXX and XXXX to collected a debt of {$4800.00} This collection was deleted on 2020 and Reinserted onto my credit report!! 

I have received no such notification, this is a serious violation of the FCRA I demand that this debt that I don't owe immediately DELETE this account From my credit report I did mailed a letter to XXXX and XXXX nothing done that debt collection cause me pain can obtain a fair credit In accordance with the requirements of the FCRA XXXX XXXX ( XXXX i ) XXXX ) I demand that debt immediately Delete
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

I don't have dates but I have called the loan mart company many times to inform them that this is not loan someone used my information to set up this account. I told the manager and I also know who did it after they told me that I had a co signer which I didn't know anything about. They told me they will have the another manger call me back to investigate but that was about 3 months. Someone was paying on the loan and I was telling the customer service agent that I never opened up this account even when it was in good standing with the credit bureau.. I saw envelope of loan mart coming to my house but I thought they were getting me to sign up for them. I never opened them until I looked at my credit report.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 


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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 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 other adverse item of information, other than records of 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 2016-04-25
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (CT)

A double payment was made to my credit card account in the amount of the outstanding balance resulting in a negative balance. The company was contacted to request refund of balance. I was originally quoted 14 business days for return of payment. After discussion, 3-5 business days was quoted if I could provide proof of the double payments clearing my bank account. Proof was sent within 1 hour of request and the fax was transmitted successfully. 5 business days later, I called and was told that the refund would be sent after 8 business days following the original request. After further questioning, the company agreed to expedite the process, approving payment within 24 to 48 hours ( from the call on the 5th business day ) plus 1 business day for transmittal of payment and then 3-5 business days for my bank to credit the refund. 
In all cases, this will result in refund beyond the requirement within the Truth in Lending Act ( specifically 12 CFR 226.11.a.2 ) to return excess payment WITHIN 7 business days. The credit card company quoted another regulation ( although could n't give me the specific code ) stating they have 7 business days to determine if a refund should be issued. If this is a different interpretation of the same federal code, I feel they are interpreting it incorrectly and to their financial advantage. 
They claim they need to verify the payment has cleared, however, there is a double standard that comes to light. They say they do n't know if the payment has cleared my bank account so they ca n't refund it yet. However, they have no problem showing the payment as credited to my credit card account, presumably before it has cleared my bank account. They ca n't have this both ways. Either it has cleared my bank account or not. If it has, they can credit my credit card account with the payment, if not, they must wait. Therefore, if it is credited to my credit card account, they should be able to issue a refund immediately.
Consumer complaint received 2023-06-20
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. (CA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 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 other adverse item of information, other than records of 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 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (KS)

I see that you took action against Flagstar bank in 2014 for their loan practices. I have read their violations and they are still doing this to me. They have done exactly the same things that you stated they were doing in 2014. They have delayed approval of my loan modification requests repeatedly, most of the time stating they did n't receive something, delayed responses to me, rejected payments from me, denied my applications for reasons unknown, never told me about appeal rights, and many other issues. At one point I was approved for a three month modification, during the third month I contact the bank to inform them of no change in my status, I was told to resubmit documentation which I did and was then denied a modification. This bank has been messing with me for over 800 days. My spouse is XXXX, I am now unemployed and XXXX waiting on Social Security and they are about to foreclose on my house due o their actions, not mine. WE have complied with every request from them only to be treated like we are trash. 

This all started over one missed payment. I called Flagstar to inform them that I could not make the payment and was told no problem, just make the payment the next month which I did. I sent a payment and it was rejected and returned to me 45 days later and stated was that I was now three months behind and the entire arrearage amount was due. Why did n't they tell me I needed to send two payments instead of their statement of no problem just send it next month? This has now blown up to where it is today, over 800 days behind and now they want over {$30000.00} to bring the loan current. Any local bank here would have moved that missed payment to the end of the loan and I would not be facing homelessness. This bank has been predatory to me and I believe their actions are totally unethical. How can they continue doing what they were told not to do after paying millions of dollars in fines, I just do n't understand this at all.
Consumer complaint received 2023-06-20
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. (CA)

Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. 
The vehicle shall be recovered and XXXX XXXX shall also be responsible for charges and fees
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (FL)

In XX/XX/XXXX, I was notified with an alert on my credit report for a collection from a company named XXXX. I previously found out a few weeks prior that I was a victim of identity theft from individuals putting an apartment in my name. I reached out to the number provided on the account to which I reached the debt collector perfection collection. I explained what occurred and the individual over the phone told me I needed to send my police report which I did the next day. Fast forward two months I receive a threatening phone call about being sued by this company after receiving earlier threatening calls from a gentleman leaving vulgar voicemails which I still have saved. I reached out to the number to which the gentleman stated I was in collections and needed to pay the debt, I explained to him it was fraud and even the credit bureaus have determined it to be fraudulent as well as previous collection agencies perfection collection sold this account to obtain the debt. He stated my file was still in collections and hung up. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX, I explained to them that I was a victim of identity theft sent over my police report, called back the following day to follow up and the manager told me she was going to close down the file and send it back to perfection collection to close down since it was reported as fraudulent, prior to this call to XXXX XXXX I called perfection collection since XXXX directly stated I needed to speak with them since they could not remove my name from the file since it was submitted to collections, I spoke with XXXX on XX/XX/XXXX in which he stated I owed this debt if it was my debt or not I needed to pay the debt, he began going on about I needed to find some way to handle it and hung up the phone. I have spoken to XXXX directly ( XXXX XXXX ) who has been trying to figure out how to get my name removed from this file to no avail. As of XX/XX/XXXX I get a call from a family member telling me that someone has been reaching out to HIS friend about my debt, someone I have no relations to or even know personally. They have been calling this individuals phone nonstop with the last phone call coming in at XXXX est past legal operating business hours. This company perfection collection has been harassing individuals that have no relation or contact to me about a debt that has been blatantly proven to be identity theft. I have the police reports, the FTC reports, credit bureau reports and still this company does not adhere to documentation that proves it is not my debt.
Consumer complaint received 2023-06-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction-Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MS)

On XX/XX/2023, in the afternoon, I received several text messages stating that my phone number was updated on my Chime account. Immediately following the text messages, I went to my Chime app, only to find that I was completely logged out and could NOT log back in. Then, I started getting notifications saying that money was being taken out of my accountI immediately called Chime and while I was on the phone with them, money was STILL being taken from my account.It was XXXX different transactions that occurred in less than XXXX minutes. It was my XXXX check that was deposited that same day right before it happened. Ive filed XXXX disputes with Chime and the in result is that ruled NO ERROR OCCURRED in my account. I call almost everyday and they keep telling me that it takes XXXX for them to make a decision on refunding me my money. They amount was {$880.00}.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I wrote the credit bureaus to request that they delete the incorrect personal information from my credit reports and replace it with the correct information. I included my identification to prove my name and address. All of the other addresses do not belong to me or they were previous business addresses that did not belong to me. I have no authorization to receive mail at those locations.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (GA)

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. 


Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 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 other adverse item of information, other than records of 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.