davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sherloq Group, Inc (FL)

I have asked for proof of this debt twice and have been ignored by : Merchants Association Collection Division, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Amount of debt : {$520.00} Date of Service : XXXX/XXXX/XXXX Provider of Service : XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Kind regards,
Consumer complaint received 2024-10-11
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

ON XX/XX/XXXX, THE ATTACHED LETTER WAS RECEIVED BY THE COLLECTION AGENCY, CREDIT COLLECTION SERVICES REQUESTING THAT THEY VERIFY THAT THIS DEBT BELONGED TO ME AND THAT I WAS OBLIGATED TO PAY. IT IS NOT XX/XX/XXXX, AND I HAVE NOT RECEIVED ANY NOTICES OR RESPONSE FROM THE COLLECTOR. I FEEL THIS IS A STALL TACTIC AND A VIOLATION OF MY RIGHTS AS A CONSUMER. THIS DEBT CAN NOT BE VERIFIED BECAUSE IT IS NOT OWED.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Western Portfolio Assets (CA)

They called my ex husband telling then they are looking for me to serve a summons to appear in court on a debt for XXXX. He gave me a number to call XXXX..I called and a man answered legal department XXXX XXXX. Have him the file number XXXX ... .he told me I had a debt with XXXX XXXX XXXX and they there were going to summons me to court unless I want to settle out of court for the amount XXXX with a down payment of XXXX ... not knowing what to do I agreed to the settlement..I have done some research along with checking my credit report and there is n't anything on the XXXX nor XXXX. I called them this morning to have them send me a copy of the debt info that they have and the same guy XXXX said I would have to go to court in order to get a copy. They will be attempting to take money from my account on XXXX XXXX for a portion of the agreed down payment towrds the settlement. I will be calling my account to make sure no funds will be removed. I am beginning to believe this is a scam. The go by the name western portfolio assets/XXXX..I have many complaints online in regards to this so called company.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. ()

I am living in XXXX. My Citi bank credit card # XXXX has been blocked on XXXX XXXX 2015 without any proper notification. They have automatically cancelled my XXXX and charged some closer amount also for that. I called the customer care and raised a complaint and they told me this was happening due to the lack of XXXX document. They want me to provide the same and as per their communication XXXX of their representative will come and collect the same from myself. They have filed a complaint but did n't take any action yet. I called them for about more than XXXX times and none of them come to me to collect the XXXX document. I also went to their XXXX of the branch located in XXXX and produced the same. But still my card not got released and I did n't get any status update from them. I also payed for the money ( XXXX ) what I used for that particular month before the actual due date. I was using this card for more than XXXX months and I do n't know how can they allow me to use the card without proper XXXX document for more than XXXX months. I want to take necessary action on this issue.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I opened an Best Buy Citi XXXX card in XXXX XXXX, 2016 with the understanding that I had a 0 % promotional balance for 12 months. I was keeping a balance on the card because of the promotional rate and used the card to buy a computer from Best Buy. 
A few months later I used the card at a non-Best Buy store. 
I received a bill after that which charged me interest. 
I called the company wondering about why I was being charged interest and they told me it was from the non-Best Buy purchase. 
I told them that I was never told that other purchases would end up getting an interest charge. 
I paid the other purchases off with {$700.00}. which I was told more than covered the amount. I confirmed with them that I would not be charged additional interest after that because I wanted to make sure that the next bill would not have interest on it. 
I just received the new bill and they charged interest on it. When I called Best Buy Citi Visa, they told me they could not remove the interest. I escalated it, and still nothing could be done. I asked for any surveys to give feedback, and there was none. I asked to escalate further, and there was no one. I was so frustrated with the customer service, marketing, and communication that I closed the card immediately because I could not trust it. When I closed it, it was the same person, so there were no checks and balances to allow me to give feedback. I have felt very mislead about how the card is being represented and am very concerned about the internal process surrounding Best Buy Credit Services. It appears to be to purposely misleading about the interest rate conditions and fees so that we will be forced to pay the interest if we keep the card. I will not trust Best Buy and it 's partnership with Citi after this experience. I am also very weary of any Citi cards from this point on.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

Citibank heavily advertised a promotion last year by which, if you opened a Citibank checking account and deposited {$15000.00} in new funds ( money not already in a Citibank account ), after XXXX days you would earn a {$400.00} bonus. The bank said the money would be deposited into your account within XXXX days after you satisfied the terms of the offer. So I opened a Citibank checking account, transferred {$15000.00} into it XX/XX/2016, and waited XXXX days plus XXXX days to receive my {$400.00} bonus, which was due XX/XX/2016. It never arrived, despite multiple calls to Citibank, where at least XXXX different representatives have confirmed I am owed this money. They have also informed me : 1 ) An " investigation has been launched '' within Citibank ( presumably to get to the bottom of why the bank is not paying its customers the promised {$400.00} -- thereby tying up our money MONTHS longer than we expected. ) 2 ) Each rep I spoke to " contacted the back office '' to see if they could expedite my {$400.00} payment ... but alas, they could not! But rest assured, Citibank is continuing to investigate itself to get to the bottom of this! What a relief. 
3. I " am not the only customer complaining. '' Yeah, I 'll bet I 'm not. Citibank heavily promoted this offer -- I could n't even log in without seeing this full page {$400.00} offer. And now they 're running an ad for a {$500.00} offer if you open a new savings account. Whoooooooo ... sign me up!
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NC)

I have contacted XXXX XXXX and Citi Bank to request that I no longer receive credit card offers, and continue to receive an offer almost every month. Attached is the email conversation I had with XXXX over a year ago, I have returned information to Cit Bank numerous times without any success stopping the offers. Cit lists a phone number to apply for the card, but none for stopping offers. I have registered with pre-screen opt-out.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (DE)

Citibank was sending statements to the wrong address. The XXXX had an annual fee which I was unaware, as I did n't receive statement, and cause the card to go XXXX day late before I could catch it. The account had a XXXX balance before the annual fee and now I have paid the annual fee and late charges that it had caused. I asked to have them remove the XXXX day late reporting but they refused but they wont help. They also lowered my credit line from $ XXXX {$250.00}, which is also adversely effecting my Can you please help me with these problems? I have reached out to citibank on multiple occasions, and spent hours on the phone with no resolution. 
mastercard account # XXXX
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MI)

I made an online payment to Citi Bank on the Citi Bank web site. The money was withdrawn from my bank account. Now Citi Bank claims to not have received the payment and has no record of the payment. I called Citi Bank to dispute the payment and I am getting the run around. Citi Bank opened an investigation and than immediately closed the investigation without telling me. I have reopened an investigation with Citi Bank to resolve this issue. I am also contacting my bank from which the payment to Citi Bank was debited ( online my bank shows the Citi Bank payment as having been made ). But Citi Bank is calling up to 4-6 times a day. I have tried to get Citi Bank to note the account that there is a dispute but after speaking to XXXX people ( acct. representative, an acct. supervisor, and a billing representative ) Citi Bank states that they can not guarantee that I will not receive continued collection calls on this disputed payment. I spent over an hour on the phone with these XXXX getting conflicting information from each new person as to how this dispute can be resolved in an expiendient manner.
Consumer complaint received 2016-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (KY)

Me, XXXX XXXX XXXX and my wife at the time XXXX XXXX XXXX, in XX/XX/XXXX refinanced our home mortgage, and also acquired a separate loan for the home where I currently reside. In XX/XX/XXXX we separated, divorced, I somehow acquired all debt. I was allowed to refinance mortgage on current residence at the going rate of % XXXX. as I tried on my other mortgage, with interest rate at % 8.4276, have denied and denied, due to debt to income ratio, to which I had no options. I have sold the place several times on contract, here six years later yet again I am struggling to make both house payments because remember my debt to income ratio makes me not qualify for a more reasonable interest rate but also a much much much much lower payment to reduce my DEBT TO INCOME SO WE CAN LEGALLY ROB YOU BLIND RATIO. DIVORCED DEBT RECIEVER IN KY NEEDS HELP
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXX, TN, XXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using XXXX XXXX Compliance Codes for handling identity theft cases : XB Disputed information provided by the consumer ZV Fraudulent information ; action required for verification DA Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry. 
2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report. 

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A. (MN)

The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid.