davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (WA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I had 4 charges to my XXXX XXXX Citi card that I did not make. All charges were made at stores in the other side of the country as well. One was a charge from XXXX for {$250.00}. The other 3 were from XXXX in Ohio for {$300.00}. I went through the Citi fraud process and they will not issue a credit to my account. I have followed all necessary steps to request information on how to resolve this but to no avail.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

This morning I was called by someone claiming to be from citibank 's fraud department. What they told me was that there was some unauthorized payments and transfers on my account and that I needed to give them my account information and work with them to get my money back into my account. However I didn't see the money taken out of my account but I went along with him anyway because I though that he saw something that I didn't on his end. I gave him my account information and he told me that he was going to do a manual reversal of a wire transfer. I went along with this and he said to give the money to the person I didn't know so it could be given back to my account. This first transaction was for the {$16000.00} ad that was the biggest out of my checking account around XXXX XXXX XXXX XXXXXX/XX/year>. Next there was a transaction he told me to do of {$2000.00} on XXXX right after when he was saying that it was originally {$5000.00}. And when I asked him about the amounts not adding up he lied to me and said that the wires were set for different times and days. I still don't know who to trust so if someone could help me that would be great. After I knew it was a scam I went to my bank to start an investigation on these 2 transactions. For all I know they are solving this now.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (SC)

In the past I had an account with Progressive insurance. While with them I was on an auto-pay and never missed a payment. However, something happened in their system and auto-pay was cancelled without my knowledge. 

I received a notice stating that my insurance coverage had been cancelled and that prompted me to get a new policy. I did not receive any communication from Progressive about why it was cancelled or that I had a balance, and I did not realize that they had sent me to collections with Caine & Weiner. 

Since this collection was of no fault of my own, I am requesting that Caine & Weiner immediately remove it from my credit reports.
Consumer complaint received 2023-03-12
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. (NV)

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if XXXX prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Have not received my XXXX points to my Spirit airline account despite charging more than than the minimum required {$1000.00} to their Spirit sponsored BofA credit card within 90 days. I've had 2 contacts with Spirit airline reps who promised to resolve the issue without any results.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (GA)

For the months of XXXX and XXXX, XXXX is reporting XXXX, however payments were made on XXXX and XX/XX/year>, neither of these payments are over 30 days late so it needs to be reported with a check on those months and pays as agreed as opposed to XXXX. This inaccurate reporting is hurting my credit score and hindering my ability to trade the vehicle. Attached I have documentation verifying payments being made. I simply request that XXXX update the balance and the months in question to pays as agreed to the 3 credit bureaus. Correct balance is {$81000.00} they are reporting {$82000.00}.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

Complaint of Adverse Action taken without required Validation Notice. 

Today ( XX/XX/XXXX ) I was applying for a mortgage and learned about a poor credit score and adverse information on my XXXX credit report from the debt collector I C SYSTEMS COLLECTIONS for an amount related to XXXX XXXX. 

I immediately called XXXX XXXX to collect details of this debt and learned that I potentially was responsible for it as it was linked to an investment property I own. 

I learned that around XX/XX/XXXX XXXX of XXXX XXXX ( a.k.a. XXXX XXXX ) transferred billing from a XXXX XXXX XXXX XXXX into my name, as the owner. 

Over the next 2 months about {$200.00} of cost was incurred and billed to me before a new tenant moved in. 

Unfortunately, billing notifications were only ever sent by physical mail to the rental unit address -- which I have never lived in. No attempt was made to contact me by email or the phone number I have since confirmed they have on file. 

According to my XXXX credit report, IC SYSTEMS COLLECTIONS opened an adverse information entry on my personal report 18 months later ( XX/XX/XXXX ) for {$240.00}. 

I assert that no __ validation notice __ was provided me by the original creditor ( XXXX XXXX ) or the debt collector ( I C SYSTEMS COLLECTIONS ) before taking this adverse action. 

I believe this behavior was in violation of regulatory rules concerning notice for validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
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. (NV)

In Accordance with the Fair Credit Reporting Act, the list accounts below of has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX XXXX Bank : Acct : XXXX XXXX XXXX  XXXX Bank XXXX Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXXXXXX : Acct : XXXX XXXX. XXXX XXXX Bank Acct XXXX XXXX XXXX. XXXX XXXX Bank XXXX Acct : XXXX I have had a chance to review my XXXX Credit Report on XXXX the XXXX 2024 and notice some discrepancies, and things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be incorrect or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Thank you sincerely XXXX XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. ()

On XX/XX/XXXX, I bought a ticket from XXXX XXXX for my wife and son. The value of {$4300.00} already were withdraw from my account in the same day. On XX/XX/XXXX, the same purchase was charged again in XXXX ( {$2400.00} for one wife and {$1800.00} for my son ). The first value keeps as " Pending '' and the other XXXX values are already " Posted ''. 

First, I contacted Citibank that mentioned that I should contact the merchant. Then, I contacted XXXX XXXX that told me that there is no charged of {$430000.00} and this value was not received for XXXX XXXX ; only the other XXXX value of {$240000.00} and {$1800.00} which if you sum, it's the same as {$4300.00}. Also, XXXX XXXX told me that they usually charge the ticket by passenger and not the total value. 

Then, I contact Citibank again and after trying several times, I could not change or understand why is " Pending '' yet and the value was already taken from my account. Now, the account is negative and I can't use for others purchase. 

I am using this channel to ask Citibank to cancel this " XXXX '' as XXXX already told me that they did not charged me. I am all the conversation from Citibank and XXXX to prove this point.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

I am requesting the immediate removal of a collection entry reported by CONTRACT CALLERS INC from my credit report. Despite their response to my previous inquiries, CONTRACT CALLERS INC has failed to provide adequate validation of the alleged debt, as required by law. 

Details of Complaint : Debt Validation : CONTRACT CALLERS INC has not provided the required validation information, including details about the original creditor, original account number, and supporting documentation, as mandated by 12 CFR 1006.34 ( b ) ( XXXX ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
Failure to Provide Documentation : The company claimed to have sent a validation notice on XX/XX/year>2023, but I did not receive it. The entry remains on my credit report without proper validation or the opportunity for me to dispute the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Request for Removal : Given the failure to meet legal requirements for validation and disclosure, I am demanding the immediate removal of this collection entry from my credit report. 
Desired Resolution : Please ensure that the collection entry is removed from my credit report and confirm the removal in writing within XXXX days. If this issue is not resolved promptly, I will consider further actions, including escalating the complaint with the CFPB and seeking additional legal remedies.
Consumer complaint received 2024-08-30
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. (FL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Delete Late Payments 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Birchwood Credit Services, Inc. (FL)

I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to BIRCHWOOD CREDIT SER. I am writing to appeal that you block the non authorized information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-06-10
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. (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. 

XXXX XXXX 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 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 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 2024-08-02
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: JPMORGAN CHASE & CO. (CA)

Submitted a complaint for a duplicate account that is reporting on my credit report. In addition to the account being a duplicate and a result of the Covid 19 disaster, company was unable to provide proof that they complied with 15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the notice. 

This late payment should be removed from the report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 21ST MORTGAGE CORP. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Subject : Dispute of Repossession Account Dear 21st Mortgage Corporation, I am writing to formally dispute the recent repossession of my account with [ Creditor 's Name/Account Number ] and request a thorough review of this matter. I am concerned that there may have been an error or misunderstanding regarding the repossession. 

Account Information : 21st Mortgage Corporation Account Number : XXXX Original Loan/Lease Date : XX/XX/XXXX Vehicle/Item Repossessed : XX/XX/XXXX Dispute Details : I believe the repossession was unjustified due to the following reasons : I have attached relevant documents to support my dispute, including [ copies of payment receipts, correspondence with the creditor, and any other pertinent information ]. 

In accordance with the Fair Debt Collection Practices Act and other relevant regulations, I request that you : Review and Correct : Conduct a thorough review of the account and repossession details, and correct any inaccuracies. 
Provide Documentation : Supply me with any documents or evidence related to the repossession. 
XXXX XXXX Activities : Halt any collection activities related to this account until this dispute is resolved. 
Update Credit Reports : Notify the credit reporting agencies to update or correct any erroneous information related to this repossession. 
Please acknowledge receipt of this letter and inform me of the next steps in this dispute process. I expect a written response within [ reasonable time frame, e.g., 30 days ] as per the guidelines established by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (GA)

I submitted the requested for the re affirmation form on XXXX and have not yet received the confirmation. Classes started XXXX and my account at XXXX university has a balance and a hold. I have called XXXX and spoke to XXXX managers and no one has been able to assist with getting this letter returned to me. I need this letter to get awarded XXXXXXXX XXXX for the year. I need this letter if not I will owe my school and will have to XXXX from school.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (WV)

This company is hard to deal with, they harass you constantly and they aren't understanding as I have had to be in between jobs for a brief time, they call you constantly! I pay all my bills on time and NEVER have dealt with a company like this and it's aggervating because they report you like they do and they don't follow the laws as they should!!!! I would never recommend GM financial to anyone!!!! They are a joke! They don't try to work with you and just report your credit not being understanding when life throws a curve ball!!!!
Consumer complaint received 2023-10-27
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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