davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (ID)

XXXXXXXX XXXX XXXX XXXX charged our XXXX XXXX XXXX XXXX for {$59.00}XXXX XXXX must have had our credit card on file and were charging a subscription fee. Problem was we didn't know they made the charge and we hadn't done any other business with Citibank since XXXX. The first I knew about this charge is when Citibank sent me emails saying a payment was past due. I thought I had cancelled my card with Citibank years before, so I thought the emails were scams. After a couple of emails, I looked into it and found the charge from XXXX plus interest and charges {$41.00}. 
We called Citibank, told them the XXXX  charge was not authorized by us and we agreed to get XXXX to remove their charge. Citibank told us if XXXX removed their charge, they would refund fees and interest. So, for XXXX to refund, we had to have a statement from Citibank showing their charge, which we received and sent a copy to XXXX and they refunded the {$59.00} and we receivedanother statement from Citibank showing XXXX balance. A month later we get another billing from Citibank showing fees and interest owed. We've called Citibank and no one knows anything about the agreement to refund us the fees and interest. They want to pay, it doesn't seem right. It's not a big amount of money, but I couldn't let it go without complaining, about them not attempting to make this right but also about their horrible phone messaging system, making it almost impossible to talk to a rep, and getting tossed around from one person to another and have to explain the whole problem again.
Consumer complaint received 2023-07-03
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: CITIBANK, N.A. (CA)

called Citibank and let them know they ran my XXXX credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I filed a lawsuit against CITIBANK XX/XX/2023 with XXXX XXXX because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letter.XXXX  said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days.It is now going on two months Citibank keeps sending the file to credit card dept when it is personal loan.My issues are still not being addressed so I am providing a copy of my XXXX credit report and lawsuit that was filed.XXXX  XXXX has the paperwork waiting process they are backlogged.This is going on too long and I feel like Citibank is picking on me. Everytme I call in Citibank staff keeps hanging the phone on me.I called the XXXX police department got them involved as a mediator because I have severe Mental health.Citibank is not taking me seriously because they keep sending my file to the wrong department when I keep telling them it is a personal loan application.My file keeps getting closed out with these generic letters when it very evident that the people in Executive office is not paying attention so that is why I am filing the lawsuit because getting super stressed out.Equifax keeps sending response letter stating Citibank is verifying inquiries are accurate when they not.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Affirm Holdings, Inc (FL)

Im a victim of Identity theft and submitted documentation for account XXXX and XXXX along wIth FTC identity theft XXXX and other paperwork reports and nothong was done company XXXX keeps stating account is mine but has failed to verify.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (PA)

I received a copy of my consumer report and saw an account that was not authorized by me. I contacted all 3 major credit bureaus via certified mail. On XX/XX/XXXX I sent a letter asking the bureau 's to provide proof of debt for XXXX Funding Account number:XXXX according to 15 U.S.C. 1681i ( a ) I sent certified mail tracking number XXXX I received certified receipt it was received on XX/XX/XXXX from XXXX, I sent Experian certified mail tracking number XXXX I received return receipt on XX/XX/XXXX, ( I enclosed proof. ) The credit bureau did not respond within 30 days which is failure to comply with federal regulations by credit reporting agencies is in violation of the Fair Credit Reporting Act, and may be investigated by the FTC. It has been over 30 days since. This is damaging. I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY
Consumer complaint received 2024-07-27
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MO)

XX/XX/scrub>XXXX XXXX XXXX XXXX I contacted IQ Data International in regards to setting up a payment plan on debt. I had never been notified of this debt until it appeared on my credit. Initially, they were very pushy about me paying the debt in full even though I explained I can not at this time. I was allowed to pay {$100.00} toward the debt. I was told that I could not set up a payment plan, so I said I would simply call back and make future payments when I am ready. I was transferred to a supervisor to discuss this further. The supervisor got on the phone and immediately began to berate and belittle me. She used very abusive language and would not let me speak. She would place me on hold in the middle of me trying to talk to her. She threatened to ruin my credit because I was not paying the debt in full, even though I made it clear that my intention was to continue to make payments on the debt. She would not even hear any explanation from me. I have never been talked to so unprofessionally. It caused me significant emotional distress. I was simply trying to call this agency and make a payment on an account and I was met with such hostility. Now I feel a scared to have any further communication with this company to continue to work on a resolution of this matter, due to fear of having to again speak to this hostile and abusive worker who is apparently a supervisor.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (OH)

{$32.00} was debited by Goldman Sachs on XX/XX/year> on a XXXX balance Apple Card. I inquired about it via chat and was told it was due to charging me for rewards related to a ~ {$3200.00} credit I received for a return. The person I chatted credited the {$32.00} on XX/XX/year>. 

I was then debited again by Goldman Sachs for {$65.00} on XX/XX/year> ( double the amount of the amount billed on XX/XX/year> ). 

I emailed Goldman Sachs on XX/XX/year> to find out what this was for and received an automated confirmation of the request but no response addressing issue. I engaged Goldman Sachs via chat between XX/XX/year> - XX/XX/year> ( don't remember the exact date ) and was advised a supervisor would call be back. Received a call back voice mail message on XXXX/XXXX/204. I called back between XX/XX/year> - XX/XX/year> ( don't remember the exact date ) and got transferred multiple times, eventually spoke to a supervisor who said the {$32.00} credited on XX/XX/year>, should not have been done and was not willing to credit or own up to double debiting me on a XXXX balance. 

This debiting, crediting, then double debiting of a XXXX balance card for rewards is convoluted and not transparent. I notified Goldman Sachs via email, chat and telephone that I will report this lack of rewards debiting transparency to the CFPB.
Consumer complaint received 2024-09-11
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Meritize Financial Inc. (VA)

In XX/XX/XXXX, I was offered a position with XXXX and completed XXXX interviews. 
After interviewing, the XXXX XXXX XXXX XXXX XXXX XXXX told me I needed to undergo training to begin a job position with XXXX. I was told to sign for a loan and that I would be reimbursed after working XXXX years with XXXX. When I asked when the repayments would start, the XXXX XXXX ( XXXX XXXX ) repeatedly told me the repayments would only start after I begin my new position. 

However, the training was NOT inclusive to me, and I struggled to receive assistance from the team at XXXX. After the training period was over in XX/XX/XXXX, I was not offered a job with XXXX ( and neither was anyone who underwent the training ). The XXXX XXXX revealed, at the end of training, that our resumes will be sent to other companies ( I still have not been employed through this process ). 

Further research showed me this is an aggressive/deceptive tactic XXXX uses to trick aspiring XXXX to sign up for a loan in expectation to begin a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The loan amount from Meritize is {$23000.00} with a XXXX00 % Interest Rate ( Total payments : {$33000.00} ).
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Dear Wells Fargo and CFPB, I am writing to escalate the ongoing issue concerning my Wells Fargo account ending in XXXX. Despite my previous attempts to resolve this matter, a satisfactory solution has yet to be provided. Therefore, I am seeking your immediate assistance to facilitate the release of the suspended funds. 

Background : XXXX checks totaling {$14000.00} were deposited into my account via mobile deposit. The checks were legitimate, and due to the time elapsed since their deposit, the physical checks no longer exist. I only possess paper copies of these checks. Despite multiple attempts by the check writer to claim the checks, their bank, XXXX XXXX XXXX, has refused to accommodate these requests, citing a time frame issue. 

Issue : Wells Fargo closed my account and is demanding the physical checks to release the funds. As the checks were destroyed post-deposit, I am unable to provide them. The ongoing suspension of these funds has created significant financial hardship. 

Request : Given the circumstances, I request the following actions from Wells Fargo : 1. Accept the paper copies of the deposited checks as valid documentation to facilitate the release of the suspended funds.

2. Explore any alternative legal avenues to retrieve the funds, considering the unavailability of the original checks.

3. Provide a clear and immediate resolution to release the funds, as the prolonged suspension is causing undue financial strain. 

Conclusion : Time is of the essence, and a swift resolution is crucial. I appreciate your immediate attention to this matter and look forward to a prompt and satisfactory response. If there are any additional details or actions required from my side, please inform me at your earliest convenience. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX I am writing to bring to your attention an issue regarding an unauthorized and false report on my credit report by XXXX. I have never made any payments nor have I started any active phone lines with this company. This erroneous report is impacting my credit score and causing undue distress. I have proof going back 24 months showing I have never made a payment to any company other than my current mobile provider. XXXX is falsely reporting on my behalf. I need proof showing an active XXXX under my name as soon as possible. 

I respectfully request that the court take action to rectify this situation and remove the inaccurate information from my credit report.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (IA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I have disputed this information in the same manner with XXXX and XXXX, both of whom have removed the accounts. However, Equifax has not taken similar action.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Checked my credit report today XX/XX/year>. My name was wrong as it had the wrong middle initial and my date of birth was wrong by 23 years. As well as several addresses and phone numbers listed to me as passed numbers and addresses. A lot of the credit history did not pertain to me at all, I never had any interaction with several of the businesses or have any business with them at all. Thank you for looking into this as I believe it has been affecting my score for some time now only I have just become aware of it.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NE)

XXXX provided the last XXXX digits of an account being reported by American Express. Account ending in XXXX. American Express accounts were reported to American Express as identity theft and reported to the FTC. American Express has failed to verify account but reports fraudulent account to XXXX.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AFNI for committing identity theft. I have never given AFNI any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from AFNI before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AFNI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AFNI can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AFNI continues its collection efforts, I will file for litigation for actual damages caused and AFNI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.