davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I am using a Costco Visa card through Citibank to purchase online through Costco.com and avoid going into the stores. The purchases are being charged a PREMIUM price for home delivery. As a result, I am accumulating 2 % cash back by using the REQUIRED Costco Visa card. I received a {$120.00} Rewards Certificate in the Mail and called Citibank to apply this certificate to my credit card payment. They stated that though they allowed it this year, they are no allowing it in XXXX. 

They are requiring that the only way it can be used it to PHYSICALLY shop in Costco. COVID-19 is no better than it was in XXXX and is in fact much worse in South Florida with new Variants. I have an XXXXXXXX XXXXXXXX and am too young to get the vaccine. I WILL NOT BE SHOPPING in any stores for the foreseeable future. Citibank is only too willing to have my charge to their card, but is unwilling to accept the reward certificate I receive from doing so. This is egregious and forcing people who want to spend their cash back into the stores and endangering their health and the health of others. 

I want Citibank to agree to take the certificate as an alternative form of payment against my credit card payment. It has a number that is unique to the certificate the correlates to the bar code. This should be a very easy thing to process and they DID accept this as a form of payment in XXXX, so their systems are already set up to handle this transaction.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MA)

I received a debt collection letter from Transworld Systems for {$370.00} for an apartment application fee. I did not apply for an apartment in that building or at that time. I told Transworld that this was identity theft and they sent me a packet of information, by mail, to complete a report about the identity theft. The packet also included the original apartment application that someone submitted on my behalf without my permission. The apartment application includes the last four digits of my social security number, my state driver 's license and my prior address ( which was my current address at the time of the application date ). It also provides a reference of a " friend, '' a name I do not recognize and a person I do not know. The paperwork in the packet asks for my social security information.
Consumer complaint received 2021-01-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$230.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account.
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX  credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES
Consumer complaint received 2021-03-23
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 (NJ)

i have a Pennsylvania unemploymen card with Relicard. The card never left my possesion but was being used by someone in XXXX with carges totaling {$4400.00} Disputed the charges as soon as they came to my attention. Sent all documantaion that Reliacard asked in a timely manner. recieved letter stating " Based on our investigation we have concluded no error occurred therefore no funds will be credited to your account and this matter is considered closed. '' called to ask how this was determaned and was told the matter is closed and if i didnt have any new info they where not going to look anymore into it. It was 27 charges total starting on XXXX totaling {$4400.00} all online the charges go against my spending history and no deliverys from any of the companies where delivered to me .No one from Reliacard has reached out to me to discuss these charges. 
'
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I disputed information on my credit report. I asked for source of information, and the source given to me does not provide information to credit services. I disputed information with XXXX and they responded in writing saying that the information is unverifiable. I then disputed information on XXXX and Experian. They said that they verified information via XXXX and the court. I have sent XXXX a screen shot of response from XXXX and email from the court, but they refuse to remove item from my account. Furthermore, I have never given consent ( as required by law ) for this information to be included on my credit report.
Consumer complaint received 2024-10-07
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. (IL)

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 XXXX who's studying 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 XXXX out of XXXX 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 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I am contacting this agency for the third time in regard to the same problem, but with complaints about the said resolution of the institute at fault. My original issue was the forgery of my signature and the disbursement of my funds to an unknown and not intended for individual. All I have asked since I was made aware of his problem was documentation from Citibank as to where my funds were deposited. Please refer to complaint ID numbers XXXX and XXXX. The most recent response from the Citibank Executive Response team on XX/XX/21 was 1 ) a lie about my complaint and sending me a copy of the check in question 2. ) giving me a {$50.00} credit for their mistake. I have made it known to them that I have done everything they asked to resolve this issue and still an avoidance of answering where my check was deposited. I have repeatedly advised them that what was at issue here was the theft of my identity. Apparently, to them, my identity is only worth {$50.00}. I believe now that their bill payment system needs to be taken down as their clients can not trust that their money will be sent to who it was intended and they will never be held accountable for it. I have now submitted my complaint to the FTC and will continue moving up the ladder. Unfortunately, as much as government agencies were created to help the average consumer, I have not found that to be true. I'll finish by saying that I too work for the government and I am proud to help serve the residents of my community, after all that is my job and I do it with diligence and respect..
Consumer complaint received 2024-10-07
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. (CO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2023-03-04
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)

On XX/XX/XXXX I filed a complaint against a creditor on my credit report about last payments.It was reported I was late XXXX 2022 though XXXX 2022 of 60 to 30 days late. I disputed those late charges with proof of payment and those late payments was corrected except XXXX 2022. Again I'm sending proof of payment of XXXX, my payment is due XX/XX/XXXX I my payment XX/XX/XXXX according to my bank statement I attached as my proof. I was not 30 days late with my XXXX payment. Please delete late payment and update my report as payed as agreed
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (FL)

Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted Experian by phone today XX/XX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is XXXX XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

On XXXX XXXX I logged into my mobile banking app that I have with Bethpage Federal Credit Union to check my checking account before going to the ATM, upon checking my account I discover that there were 3 transactions on my account that I knew nothing about. The Transactions are as follows- XXXX XXXX for {$73.00}, XXXX for {$92.00} and XXXX  XXXX XXXX XXXX for {$15.00}. I called Bethpage Federal Credit Union immediately and filed a dispute for these charges my card was blocked and was told I can go the the Credit Union branch and get a new card or it could be mailed to me I choose to go the the branch and get a new card. I was given a provisional credit until the investigation completed.On XXXX XXXX I received a letter in the mail that upon competition of the Credit Union investigation that I am responsible for the XXXX XXXX charge for {$73.00}, this amount were deducted back from my account. 
I called Bethpage again and and were told that my card and pin with the chip was used and that the card can not be reproduce because it has a chip so its a valid transaction and that I am responsible for it. I told the representative that is not true it has to be reproduce because I have my card in my position, at this point I asked to speak to a supervisor and was transferred to one staff by the name of XXXX who took down all the information and promised to return a call to me, its past one month now still waiting on XXXX 's called, I called her number several times and left voicemails for her.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NH)

Chase keeps freezing my account for " suspicious '' activity any time I try to perform a transaction. Apparently it's not enough to have an extremely strong password and a 2-factor auth device, while logging in from the same device and IP address I used to sign up with. Calling them, they ask identity verification questions that make no sense, and they refuse to tell me where they're coming up with the bogus info for the questions so I can't fix the issue. Phone reps instruct me to drive 4 hours round trip to visit a branch - which I did do, only two weeks ago ( mid-XX/XX/2020), and presented ID. Today ( XX/XX/2020 ) I try to do another transfer and they freeze my account again! The transfer is NOT SUSPICIOUS! I was logged in with my usual device, and provided the security PIN they emailed me in order to perform the transfer. The PIN was accepted and everything was fine. In spite of that, fraud department called me to verify, and the rep 's headset was screwed up and they couldn't hear me telling them to authorize it. There's seemingly no mechanism to get them to call a second time, and now the whole account is frozen again. I tried to log in and I'm being denied access. I called in and they're telling me to go visit a branch and show ID AGAIN. I can't keep driving 4 hours to a branch every time I need to do a transaction!
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (WI)

Flagstar has not approved me for forebearance despite my difficulties to pay my mortgage being directly due me being sick for months with XXXX. Im not sure what else to do and am terrified of losing my house. 

I will be able to repay the missed payments over time and just need some help getting back on my feet. 

Flagstar has not been willing to work with me in terms of refinancing or getting a loan modification in place where the past due payments could be moved to the end of the mortgage or the mortgage could be extended. 

Flagstar has also ruined my credit. I thought anything related to Covid was covered under the CARES act and Flagstar has not followed which has had a direct negative effect. Im a single mom of XXXX young children and a XXXX survivor. I work full time and have always paid my bills on time. Covid hit and I landed in the hospital with it unable to work and have had a very difficult time with Flagstar.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 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 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 2020-06-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc. (KY)

Called them because I received notice, asked it it was different than my original provided XXXX XXXX as I had already received bill and made payment, customer rep rude rude and repeated I had received, told them I dont deny that however want to verify and yes I am making payment as I just received it from your company but not and invoice from XXXX  XXXX. Made payment too but customer rep was rude and used demeaning tone to Insult despite making payment. She would not let me finish talking or explaining my situation.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

On XXXX/XXXX/2017 I checked my credit score and report and noticed that there was to accounts for medical bills that I did n't know about, I called the hospital and they told me to contact account and billing department I did that and I told them that I never received any medical attention or treatment. One is for {$820.00} and the other is for {$65.00}. Both are from the same place I then disputed the collection with the credit bureaus and within a few weeks they were taken off my credit report. Then my credit score went up and I thought it was taken care of and was going to be getting my credit score better, but today I got a email stating that a different collector is being used to try and collect money from me that I do n't own.
Consumer complaint received 2023-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed these inquiries on XX/XX/XXXX due to identity theft/fraud that Im currently dealing with but the dispute results came back saying they will not remove it. I have made a police report and have an ongoing investigation and we actually know whos doing this to me because she put her cell phone number down for a capital one inquiry. 


My case # is XXXX with the XXXX Police Department XXXX XXXX I would like these inquires be removed from my credit report because it is identity theft/fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX Requested on XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE BANK USA NA XXXX CAPITAL ONE XXXX XXXX VA XXXX Requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Requested On XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested on XX/XX/XXXX
Consumer complaint received 2019-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I was at the Wells and Fargo Bank on XXXX XXXX XXXX XXXX in XXXX, Virginia XXXX on XXXX XXXX. I went in to withdraw {$10000.00} in a cashier 's check out of my joint account. The teller told me she did not feel comfortable releasing the funds to me. But she did not give me a reason. She threatened to call the police and have me escorted out. I have all of this on my video, because I was surprised that this was happening.She called the joint account holder later and was told by the joint account holder not to release the funds to me. I feel this was discrimination because she had no reason to feel uncomfortable and she did not follow wells and fargo withdrawal procedures. She was not supposed to call the joint owner when we both had equal rights to the account especially when the funds were available. I contacted the Federal Reserve and put in a complaint but they said Wells and Fargo is not a reserve bank. The people involved at this branch were a teller named XXXX, bank manager named XXXX XXXX, and Ms. XXXX I believe.