davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. ()

To whom it concerns, I would like to file a formal complaint against Citi Prepaid Services, regarding an outbound manual money transfer made on XX/XX/2016. 

The transfer was never delivered to my partners XXXX account with XXXX, and also was n't delivered to the intermediary bank, XXXX XXXX. 

We have been told by Citi Prepaid that the transfer left our account and should have been received on XX/XX/2016. Over a month ago Citi Prepaid informed us it was being elevated to their own personal investigations department and that we would hear from them regarding the status of our investigation. 

During this time frame we have heard nothing aside from that it is being investigated. We have been given zero updates with no regard for any questions we have risen concerning the status of this ongoing investigation. 

This is highly concerning as now we are worried that the money is lost or stolen and we have no support from Citi Prepaid Services in tracking the missing transfer. Their costumer services supervisor, XXXX, Informed us they can not give us a tracking number or any information, which seems unbelievable and suspicious. 

The effects of this situation go beyond just our missing money. My partner and I are damaging our credit ratings by the day, and due to a total lack of confidence in Citi Prepaid 's transfer system we are afraid to move more money into our personal accounts. 

I request that you respond to this compliant urgently. 

Yours Sincerely,
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unauthorized and unfamiliar inquiries reporting on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has refused to unblock my credit card. My card has been restricted since last year. Last year in XXXX my entire wallet was stolen. The individual who stole my wallet also used all credit cards but also compromised my checking account with XXXX. Instead of Capital one helping me they restricted my card and left me to pay all of the fraudulent charges. They keep saying in order to have my card unrestricted I must prove my bank account is mine. I have done that over 3 times and they also called the bank and they verified that I did indeed own the account. Last year the person who stole my wallet made fraudulent transactions and payments. XXXX froze my account because it was so horrible. They didnt allow any transactions on the account. When Capital one called XXXX they told them every payment I made but the payment the person made didnt show up and they are stating this is why they wont unblock my account. I have paid down all of the fraudulent charges and they wont even unrestrict my account stating they need more proof I own the account even though I sent over bank statements and they talked to the bank
Consumer complaint received 2016-09-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.
Consumer complaint received 2023-05-12
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: Experian Information Solutions 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (FL)

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 Account XXXX Account name : DEPT OF EDUCATIONXXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  XXXX Bankruptcy 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.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX, I received a statement for my Banana Republic Card from Barclay Bank. I went online on XX/XX/XXXX to make a payment ; however I noticed that both a late fee and interest were charged on the purchase. The statement I received on XX/XX/XXXX was the ONLY statement that I received from them. I always pay my cards in full and on-time, but as this is a card I rarely ( if ever ) use this is not on autopay.
Consumer complaint received 2023-05-12
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. (NJ)

Recently check my credit report and seen that the following account XXXX was on my report. I never had an account with XXXX XXXX there fore its a result of fraud. Its hindering me from purchasing a house. Would like this account removed as soon as possible thank you.
Consumer complaint received 2023-05-15
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. (AL)

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 : 1. XXXX XXXX XXXX has violated my rights. 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 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION (UT)

I recently received a letter from Zions Bank regarding an issue in response to an email I sent. The email contained attachments that provided evidence of a claim of malfeasance by XXXX. The letter I received from Zions indicated that the claim was denied and that Zions considered the matter closed. 

I, however, do not consider the matter closed. The lack of consideration of Zions Bank has caused me financial and personal distress to me. I did not authorize the deduction of {$360.00} from my account, thereby putting the account into a negative balance of {$380.00} ( including NSF ). The charge should have been declined when attempted by XXXX. Clearly, Zions Bank entered me into a contract against my will.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I entered into a mortgage which was subsequently sold to Mr. Cooper. Prior to the sale of my mortgage, the previous servicers had purchased property insurance on my behalf due to their not receiving the proof of insurance that I had submitted. They later received the proof of insurance and cancelled the policy they placed and the premium was refunded to the loan servicer. Subsequently, Mr. Cooper acquired my mortgage but the refund had not hit my account on the date of transfer. My Cooper has been charging me for an escrow payment of {$100.00} each month since that date even though I have no escrow account with them. Purportedly, it is to recoup the insurance premium that was refunded to the loan servicer. I've spoken to both the original loan service and Mr. Cooper on the same call and these facts have been confirmed and that I owe no escrow amounts. However Mr. Cooper has continued to charge me for the escrow improperly. In essence, they are stealing money from me because no amounts are owed and they agree that no amounts are owed. I've been dealing with this issue with them repeatedly for several months. Now when I try to speak to a representative, their customer service number will not allow me to speak to a person. You can only receive automated information unless you are requesting to refinance with them. I need your help it getting Mr. Cooper to stop stealing my money. I've asked them to apply all of the amounts they collected in error to principal but after several months nothing has occurred. Please help me.
Consumer complaint received 2023-05-15
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. (FL)

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the XXXX, equifax and XXXX on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the XXXX, XXXX and transunion on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.
Consumer complaint received 2024-11-10
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. (FL)

Under the doctrine of estoppel by silence, as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

Again, Your statement provided totally goes against the Consumer Law. I also have spoken with Jefferson Capital Systems and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from Jefferson Capital Systems LLC in regards to my account. I am requesting from XXXX the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( XXXX ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to JEFFERSON CAPITAL SYSTEMS LLC WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH JCS. I have spoken with them several times and they can not provide me with any information. Thank you.
Consumer complaint received 2023-05-12
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Home Depot account was opened in my name and saying I owe them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to dispute it with citi bank and they said its my fault I owe them and I told them. To close this account. I called XXXX and filed a dispute. They said I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is owing.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-10-15
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. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After viewing a copy of my report, I noticed a collection account placed on my credit report from Portfolio Recovery on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector Portfolio Recovery is not licensed in the state of Florida to collect on this debt. Secondly, Portfolio Recovery violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Portfolio Recovery? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Portfolio Recovery has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Portfolio Recovery provides me with competent evidence that I have any legal obligation to pay them. I asking that Portfolio Recovery to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Portfolio Recovery immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Portfolio Recovery agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Portfolio Recovery agrees to remove my personal information from all accounts in its companies database.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I was contacted this morning around XXXX by the portfolio recovery associates # XXXX. The caller poorly informed me/refused to tell me who they were or why they were calling until I confirmed who I was. After I did, they went straight to telling me about a debt they were trying to collect, of which is a credit card debt that can only be from more than 6 years ago. My credit report doesn't even show it anymore, it has been written off completely ( I verified this with two companies ) In others words PRA is still trying to collect old debt that isn't even legally due anymore. I also found it incredibly rude that they refused to they me who they were before I " verified '' who I was. I didn't want information other than who they were.