davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX I called capital one to ask them to close my account. I asked for the pay off. The agent advised they would apply the {$400.00} I paid to start the account and that would leave. {$270.00} Which I paid online confirmation code XXXX. Then next month I receive a letter from capital one which I ignored because I thought it was sent after I paid and closed my account. Maybe XXXX months are so go by I receive a bill. I immediately called and the representative stated that the previous representative did not give me the correct pay off and that there was a {$3.00} interest charge that was not included in the amount the previous representative advised and late fee for not paying the {$3.00}. I advised the account is closed and that I called to close. Mind you their calls are recorded and I would like them pulled for court. Multiple times they dropped the ball and continue to report to the credit bureau and now say I owe almost {$200.00} in fees and penalties for an account that I closed. The last time I called the representative advised he would wave the fees and close the account. That was probably around XXXX. We are now in XXXX and they have continued to charge when this account was paid in full supposed to be closed and when they made a mistake and only showed like {$14.00} in fees they advised again they would wave the fee and close the account. To this day they are charging me fees and interest when I don't owe anything and still have not I closed this account. I don't owe them anything and this has hurt my credit for almost a year. They have messed with my lively hood and should be held responsible for what they have done. I would like to press charges but the police stated it would be a civil matter so I am starting here before contacting a lawyer on what to do against this multimillion dollar company that is trying to XXXX and discredit me.
Consumer complaint received 2023-08-02
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I purchased a mower that cost XXXX with Home Depot store credit card with a no-interest promotional period of 24 months. 

They incorrectly set the promotional period to be 6 months and charged me deferred interest of XXXX from XX/XX/year> to XX/XX/XXXX.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc. (AZ)

Ive had an account with Skrill for a few months with several debit and credit cards connected to my wallet in the app. The limits have always been {$5400.00} per card since I added them ( without any additional verification ). My account is also fully verified to unlimited. 

Today, Im waking up to all of my limits dramatically decreased for every card to {$52.00}. Only one card is verified and still shows the {$5400.00} limit. I called support and spoke to a supervisor XXXX, who was very condescending on the phone and unhelpful. 

She claims the reason for the low limits is that the cards are not verified, even after I explained multiple times the limits have always been at {$5400.00} for all cards without verification up until this point. It makes no sense why Skrill has decided to cut my limits down so drastically, especially when Ive handed over tons of personal information to verify the account and avoid this issue. 

There is no practical use case of Skrill for me at this moment with {$50.00} limits on my cards. Skrill needs to increase my limits back to the original {$5400.00} for all cards in my wallet currently and any card I add in the future.
Consumer complaint received 2023-03-27
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Consumer complaint received 2019-07-01
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. (GA)

On XX/XX/2019 I sent a letter requesting the method of verification, and materials supporting 6 disputed items on my credit report asserting my rights under FCRA 611 ( a ) ( 7 ). I had mad several online and in writing disputes where Experian just keeps sending back Verified., I asked for a response or deletion within 15 business days as is the law. The letters were received on XX/XX/2019 with tracking number XXXX. I received and email XX/XX/2019 Saying my disputes were complete where they just marked all items as updated with no documentation. I demand these items be removed as per my letter as it has cause me irreparable harm and cause a significantly high interest rate when purchasing a vehicle and denial of an apartment.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (FL)

In XX/XX/year>, my vehicle was totaled, and my insurance company, XXXX, issued a full payoff amount of {$9100.00} ( respectively ) to my finance institution, CarMax, on XX/XX/year>. Despite this, CarMax has not yet processed the payment, as they are currently processing payments received on XX/XX/year>, as of today, XX/XX/year>. 

I have been repeatedly contacted by CarMax collections department demanding payment. The collections persons are often rude. CarMax has informed me that I am still responsible for making monthly payments until the check is processed, but they can not confirm if they have received the check from XXXX. This situation is causing undue stress and potential harm to my credit. 

I attempted to speak with a supervisor at CarMax regarding my account to see if they would delay credit reporting and late fees due to how behind they are. However, they seemed to ignore my request and just kept repeating that I am contractually obligated to continue making payments until the check from the insurance company is posted. If the check was mailed on XX/XX/XXXX, there is no reason that it should not have posted to my account by now. It is not my fault that they are so far behind. 

I can provide proof of the insurance payment, but I never get a chance to offer it because the representatives are solely focused on collecting money or telling me that I am financially obligated to continue making payments. My insurance rep would be happy to provide any documentation required to put my account on hold. However, the representatives treat me so disrespectfully that the call often escalates, and I'm never presented with an opportunity to even ask.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Spring Oaks Capital, LLC (PA)

I reached out to Spring Oaks Capital , LLC requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that Spring Oaks Capital , LLC has reported a collection account with a zero balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, XXXX XXXX XXXX XXXX XXXX must remove all reporting of the account on my credit profile.
Consumer complaint received 2019-07-01
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: CITIBANK, N.A. (MO)

To whom it may concern : My XXXX statement from Sears mastercard included multiple charges from a vendor, XXXX, XXXX, totaling {$1600.00}, which were fraudulent. I contacted the customer service immediately and reported the fraud. I subsequently received statements from the vendor, which were illegible, but did show that I was not the customer making these charges. I have since received another statement from the credit card company, showing that these charges were submitted again for processing. 

Please advise.
Consumer complaint received 2021-11-06
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. (IN)

I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to dispute with Experian to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Experian and nothing was changed on my credit report. Please fix this is fraud.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

Several check-ups performed without my consent. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize any of these credit checks
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

We received email from Lowe 's with attached invoices that are fraudulent. Under acct. ending XXXX, Invoice # XXXX, XXXX XX/XX/year> for {$360.00} and invoice # XXXX dated XX/XX/year> for {$330.00}. They are from Lowe 's in XXXXXXXX XXXX. We reside in XXXXXXXX XXXX. Our daughter is listed as the buyer but did not make any changes to this account. She's also in XXXXXXXX XXXX. What do we do? 
Attached invoices
Consumer complaint received 2024-07-29
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

Reporting old debt as new! ( Breaking las Incurring interest not on original agreement! ( Breaking law ) Cant provide original agreement with my signature I keep all records and have a binder full of records with the same account number from XXXX appointments. 
I cant find if Wakefield and associates is allowed to collect debt in XXXX  there a XXXX  and XXXX XXXX  company and isnt a collection agent for XXXX I called XXXX XXXX they said they have never worked with them and said I dont have any outstanding debt and wasnt sent to collections ever! 
I tried to get the reporting agencys to call original creditor but they wouldnt. I dont know if they are committing fraud or what but I have original Bills from the same place with the same account # from XXXX. They are reporting XXXX and the bill they sent was dated XXXX with medical procedures so thats a hippa violation! 
And bill the collection agency sent shows paid by insurance in full with no payment nessesary which leds me to believe they are editing accounts and missed that by accident the bill is off from the original one I have several. And its not a original help Im trying to buy a house.
Consumer complaint received 2024-07-09
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. (MS)

I had a Citibank credit card for 38 years but I closed the account last XXXX due to repeated security breaches with credit cards being sent to me for individuals I did not know. After repeated calls/attempts to resolve this issue and receiving poor customer service, I closed the account I cut up my card and did not log onto the website ( I was on paperless billing ) XXXX also forgot my password due to not using it anymore. I am thinking that this is a done issue. I received an email in XXXX stating I had a charge from XXXX for a subscription renewal. I was no longer using XXXX as I have a new laptop and am using XXXX now. I called Citibank and disputed the charge. I was told that the charge would be investigated as the charge was processed AFTER I closed the account. I once again think I am through with Citibank. This past XX/XX/XXXX, I received an email ( for the first time ) from Citibank stating that I owe over {$200.00}. I once again call Citibank and was routed from Customer Service to Billing Disputes to Security to Collections. Each representative claiming that they could not help me and then transferring me to the next department. I made repeated calls to Citibank over the next 2 weeks, spending about 4 hours on the phone, each call being routed to the different departments with no resolution .I sent a letter XX/XX/XXXX but have not heard anything. I sent a payment today, XX/XX/XXXX, for the balance of {$100.00} ( which I was told today when I called once again ). I do not owe this as I did not authorize the charge but am tired of trying to resolve the issue and continuing to accrue late fees. The delinquent payment is now reflecting on my credit rating. I am still confused how a payment was processed AFTER I closed the account and confused why no one I spoke with could explain it to me. Citibank has exhibited the worst customer service I have ever experienced, especially considering the fact I was a long time customer with an excellent payment history.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation!

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 2024-07-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (OH)

I was XXXX  separated from the military in a very quick manner. I had known i was leaving and communicated that to the housing office on the military installation, known as XXXX military housing. The original creditor listed is XXXX XXXX  which is the park i lived in. Since then it would seem XXXX military housing is no longer a company. They claim there was a remaining balance on for rent from XXXX, plus are attempting to charge for XXXX in which i was already gone. They say it was due to the lack of a 30 day notice, this was because they would not accept a notice without my orders to separate. I received my orders 2 days before my separation date in which my pay would he cut off as of XX/XX/XXXX. They had been informed that i was leaving prior to that but would not accept the notice due to lack of orders. On top of this they are attempting to collect money for the electricity conservation program that has been thrown out due to the housing companies ripping off service members. On top of that i have attempted to get in contact with the debt collection agency through phone and e-mail without response.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

Citibank has removed {$3700.00} and despite spending two days trying to track the money taken by Citibank from my account, not one person at Citibank can explain. Ive spent hours on the phone, either on hold or getting the run-around, with Citibank representatives and none can answer the simple question. 

Absolutely no answer from Citibank. 

Leadership at Citibank is completely indifferent. They dont respond. 

In the meantime, they removed ( stole ) {$3700.00}. 

Ive written to the CEO, XXXX XXXX, as well as their Senior Managers and members of the Citibank Board multiple times. No response. 

The fact they can not readily answer a simple question as to where thousands of dollars, taken from my account, were sent is highly suspicious. 

I suspect this is a systemic issue at Citibank that may be impacting many Citibank customers.

Im asking the Citibank and its leadership be investigated for RICO violations as I believe their lack of forthrightness and their lack of response suggests theyre hiding something. 

The bank refuses to answer my simple question, where did my money ( {$3700.00} ) go? 

I will follow up with you by phone to submit an investigation.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never informed about. I have serious doubts about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and ask that you provide the necessary validation and address this matter.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

XXXX XXXX : XXXX XX/XX/XXXX I am writing to formally dispute the inclusion of bankruptcy information on my credit profile maintained by XXXX. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. 

The specific details of the bankruptcy in question are as follows : Case Number : XXXX Filing Date : XX/XX/XXXX Type of Bankruptcy : Chapter XXXX Court Jurisdiction : US BKPT CT GA XXXX Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. The presence of this information is a violation of federal law, and I expect that XXXX will promptly address and correct this matter. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation and any actions taken to correct the inaccurate information on my credit report within 15 days of receiving this message.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MN)

The following credit card account : XXXX XXXX XXXX XXXX XXXX is currently listed and showing on my XXXX, XXXX and XXXX XXXX credit report as XXXX XXXX XXXX XXXX of {$170.00} and {$360.00}. Synovus Bank sold the account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX. I made a payment to XXXX XXXX XXXX XXXX XXXX and paid the account in full. The account has been settled and paid in full, but the account is showing on my XXXX, XXXX and XXXX XXXX credit report as closed with a balance of {$170.00} and {$360.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX