davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

We paid a closed Home Depot credit card instead of our active XXXX XXXX card in XXXX. Citibank took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in XXXX. And now 13 years later, Citibank has a 3rd debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or Citibank and we need CFPB to contact them so their debt collectors first XXXX and XXXX XXXX from XXXX XXXX & now XXXX XXXX XXXX, to stop the most recent application for wage execution of XXXX XXXX. 


First, we paid that XX/XX/XXXX payment on time but was not credited, it was sent to a closed account and XXXX XXXX was aware of it. They cashed the payment and didnt credit us, we did not received either credit or money. Second, we never received any notification from XXXX XXXX  XXXX for any legal action otherwise we would have showed up to defend this incorrect balance and judgment XX/XX/XXXX. We requested a certified signature signed by XXXX XXXX regard of this legal matter of which we have no recollection Third, a post judgment hearing on XXXX XXXX with XXXX XXXX XXXX came and went and the wage garnishment was not allowed. To the best of our recollection we never received any notification for switch of attorney for XXXX XXXX  XXXX. So they are trying again and now with XXXX XXXX XXXX, which we never heard of them until the request wage garnishment on XXXX XXXX. Citibank should not be allowed to get another bite of the apple. We also would request a certified signature by XXXX XXXX from XXXX XXXX XXXX, as proof of judgment was served in 2011. 
We would like CFPB to request this information on our behalf and have all issues and concerns answer by both Citibank and XXXX XXXX  XXXX.
Consumer complaint received 2024-05-30
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. (AZ)

XXXX XXXX XXXXXXXX XXXX me {$130.00} for traffic and bridge fine. I did not get a traffic or bridge fine ticket during my rental period. If I do, I have not seen the tickets. 

I disputed the charge with the Credit Card company Citi to get me a credit back, but they did not issue a credit back to me.
Consumer complaint received 2024-05-30
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: Long & Foster Financial Services, Inc. (MD)

On XX/XX/year> I noticed an unauthorized inquiry into my credit. XX/XX/year>, I contacted XXXX XXXX with Prosperity Home Mortgage and requested to know why my credit was run without my knowledge or consent. He stated it was an error that should be removed in 10 business days. XXXX XXXX stated this in XX/XX/year>, it is now XX/XX/year> and the inquiry has yet to be removed. This action has drastically impacted my credit.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I reviewed my credit report a few months ago and I noticed that there were two accounts there that didn't belong to me. I have never given anyone my information to use nor have I ever had any dealings with these companies. 

Here are the accounts : XXXX Acct # XXXX Opened XX/XX/XXXX With a balance of {$5300.00} XXXX Mobility Acct # : XXXX Opened XX/XX/XXXX With a balance of {$1300.00}
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is to follow up to request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items. Please help me remove these items immediately : 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
Consumer complaint received 2023-03-14
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. (NC)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00}.
Consumer complaint received 2024-05-25
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. (CO)

I've been trying to remove the fraudulent account in my report. Kindly remove it as soon as possible as it is really hurting my finances. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (MS)

I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : 1. Incorrect Name/Address : XXXX XXXX XXXX 2. Incorrect Name/Address : XXXX XXXX  XXXX 3 . Incorrect Name/Address : XXXX XXXX XXXX 4. Incorrect Name/Address : XXXX XXXX 5. Incorrect Name/Address : XXXX XXXX 6 . Incorrect Name/Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX 7. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : 1. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 2. Account Name/Number : XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 4. Account Name/Number : XXXX XXXX 5. Account Name/Number : XXXX XXXX XXXX. Account Name/Number : XXXX  XXXX XXXX 7. Account Name/Number : XXXX XXXX XXXX 8. Account Name/Number : XXXX XXXX  XXXX 9. Account Name/Number : XXXX  XXXX XXXX  XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit 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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding Citibank and their handling of an insurance payment related to my XXXX  credit card account. 

Incident Description : On XX/XX/XXXX, I was involved in a motorcycle incident, resulting in my bike being totaled. My XXXX insurance issued a check for the amount of {$5200.00} USD on XX/XX/XXXX, to cover the cost of the bike. This check was cashed on XX/XX/XXXX ( copy attached ). 

Since XX/XX/XXXX, I have repeatedly checked my account to ensure the total amount was applied correctly, but it never showed a XXXX balance. Despite my numerous complaints starting in XXXX, no action was taken to resolve this issue. 

Actions Taken : In late XXXX, Citibank informed me that the check might have been lost and requested more evidence of the check. 
I contacted my insurance company and obtained a copy of the cashed check. 
On XX/XX/XXXX, I complied with Citibank 's request to send the copy via fax for security reasons and successfully sent it. 
Following this, I checked in weekly for a status update. Each time, my calls were forwarded, and I was told they could not find the fax. 
I continued to check as recently as XXXX  and XXXX  weeks ago, but encountered the same issues. 
Throughout this period, Citibank has contacted me monthly to correct the debt. I have repeatedly explained that I do not owe anything and that the issue is due to their failure to apply the insurance payment to my account. 
On XX/XX/XXXX, I called to request a formal complaint. I was put on hold for almost an hour, but my request was neither complied with nor given any resolution or time frame for resolving the issue. Additionally, they provided me with a " direct line '' that is not associated with the XXXX  credit card customer service. 
Current Status : As of today, XX/XX/XXXX, Citibank has failed to resolve the issue, provide any temporary solution, or comply with my request for a formal complaint. Despite my numerous attempts to rectify this situation, they have not properly applied the insurance payment to my account, causing undue stress and inconvenience. 

I am seeking the CFPB 's assistance to resolve this matter promptly and ensure that Citibank correctly applies the insurance payment, removes any associated debt from my account, and takes corrective action to prevent such occurrences in the future. 

Thank you for your attention to this matter. 

Sincerely, -XXXX
Consumer complaint received 2024-01-11
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)

They was reporting incorrect and un validated debt late payments, close the accounts, miscellaneous numbers, miscellaneous address, Without my authorization, making my opportunities, slim to none getting credit cards home loans or etc. 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805
Consumer complaint received 2024-01-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NY)

On XX/XX/2023 the debt of the amount of {$1900.00} was disputed on XXXX and XXXX as being not a valid debt. The collection company CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-01-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NY)

My SSN compromised in a breach. I am a victim of identity theft. Fraudulent account opened up under mysocialsecurityaccount.gov and money fraudulently taken ( approx {$15000.00} ) and transferred to Stride/CHIME accounts fraudulently opened ( bank and credit card accounts ). From what we can see on credit reports, they have opened up multiple accounts at XXXX XXXX XXXX name and XXXX. I have called Srtide/Chime with an ID restoration advocate from XXXX and XXXX would not tell us how many accounts under my name and refused to close them as fraudulent. Stride/Chime not assisting in closing fraudulent accounts and participant in fraudulent money taken from my Social Security account XXXX their bank via bank. Social Security has blocked my online account and XXXX and FTC and police reports all filed. I am unaware as to how many accounts or what other banks have been opened in my name. Stride/CHIME has shown up on my credit report. Events began XXXX XX/XX/XXXX. I became aware on XX/XX/XXXX when I had to open up a my social security account online to apply for XXXX A as I turn XXXX XX/XX/XXXX and found out someone already had opened an account under my name with false address, phone #, and XXXX account and opened Stride bank account and collected retirement from my XXXX account and also applied for XXXX A and XXXX XXXX report filed XX/XX/XXXX, FTC report filed XX/XX/XXXX, police report XX/XX/XXXX, personally met with XXXX XX/XX/XXXX, called Stride/CHIME XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I have a student loan under Mohela for Public Service Loan Forgiveness. XX/XX/XXXX is my XXXX qualifying payment. My employer is filling out my final form for me to submit and get verified for forgiveness. Mohela tried to tell me XX/XX/XXXX is an ineligible month because of forbearance they gave me. Previously Mohela failed to send out bills in time and the US Dept of education put the loans in forbearance with no payment due until XX/XX/XXXX. Yet it was very clear terms the Department of Education and Mohela stated these time periods will count as eligible months of service towards forgiveness. XXXX did show up as an eligible month yet they tried to pull a fast one with XX/XX/XXXX which should be my XXXX eligible payment towards forgiveness. Once processed my Public Service loan employment verification form for XX/XX/XXXX my loan should be forgiven. I am also contacting the President who previously forced Mohela to straighten out my count and your agency etc.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (GA)

On reviewing my last bill, I noticed that XXXX XXXX had charged us {$39.00}. Neither my wife nor I had authorized this charge, and I submitted a dispute to American Express. 

American Express did not investigate but on the day after my complaint reinstated the charge, solely on the basis of a document ( referenced in the attachment ) with XXXX XXXX ' name and the amount of the charge and our American Express card number. I immediately renewed my complaint through the American Express chat function, explaining that somehow XXXX XXXX had my card number but that we were not receiving any services or publications from XXXX XXXX. 

I received no response to this second objection through the chat function.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXDate of Inquiry XX/XX/XXXX