davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXXXXXX  You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681 et seq. for unlawfully obtaining my [ XXXX, Experian, and/or XXXX ] consumer report on { XX/XX/XXXXXXXX  } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), Chester v. Purvis, 260F, Supp, 2d 711 ( S.D. Ind, XXXX ). 
I have not initiated and transaction with [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
Consumer complaint received 2023-12-01
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. (IL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate account : XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-01
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)

On XXXX XXXX someone went to Home Depot and made a purchase under my name of an amount of XXXX XXXX dont know how they did this because I had my credit card on me on this day and was out of the country. I called in may to discuss this matter in attempts to open up an investigation but they really didnt listen to what I had to say. After calling within XXXX weeks they sent me a letter saying their investigation was done and that I was responsible for paying that amount to them. So I went ahead and called again and told them it was not fair for me to get charged such a large amount for something that I didnt purchase. Therefore, I asked them to please open up again the investigation, in which they then told me they did open it up. However, I continued getting calls from Home Depot and text messages saying I had a missed payment. So I called again and I even told them I had proof I was not in the country when that purchase was made under my name so they gave me a fax number and I even had to take money out of my own pocket to pay to send the proof to them. I called a XXXX later and they told me they had not received anything to go ahead an fax them again so I went again and fax it and had to yet again take money out of my own pocket to pay again. I then waited a XXXX of days and I called and checked and they said no we dont have anything from you. This is really irresponsible on Home Depots part especially because they are such a big corporation and have continued to ignore me and wrongfully charge me for a fraud payment that they allowed to happen. Throughout this process I have felt extremely ignored and have just been forced to continue wasting my own money to continue to fight for this situation to be corrected. Money that I do not have to be wasting. I have done my part and paid to fax the proof that I was not in the country at the time of this purchase multiple times. They have not done anything and are continuing to not do anything to solve this problem. Due to this situation, my credit is now even being negatively affected. I would like this situation to be resolved without it becoming a legal situation. This situation has caused me a lot of financial stress and I would not be doing this whole situation or even spending my own money if I was responsible for this. With the concrete proof that I have of not being in the country during this purchase it should not be this difficult to understand and acknowledge that it was not me.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc. (NY)

REMEX IMC. XXXX AND REMEX IMC. XXXX Your company have violated FCRA 615 ( f  ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious REMEX IMC. XXXX AND REMEX IMC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing to file a complaint against APPLE CARD - GS BANK for violating the law 18 USC 894. I have been a victim of harassment and unfair debt collection practices by APPLE CARD - GS BANK, and I believe that my rights under the law have been violated. 

I received a call from APPLE CARD - GS BANK demanding payment for an outstanding debt. The caller was aggressive and used threatening language, stating that if I did not pay immediately, legal action would be taken against me. This behavior is a clear violation of the Fair Debt Collection Practices Act, specifically 18 USC 894, which prohibits debt collectors from using abusive, deceptive, or unfair practices to collect debts. 

I have attempted to resolve this issue with APPLE CARD - GS BANK directly, but their representatives have been uncooperative and unwilling to work with me to find a solution. I have also requested validation of the debt in writing, as required by law, but have not received any documentation to support their claim. 

I am requesting that XXXX investigate this matter and take appropriate action against APPLE CARD - GS BANK for their unlawful debt collection practices. I also ask that any negative information related to this debt be removed from my credit report, as it has been reported inaccurately and unfairly. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a fair outcome. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/2023, I went to make my student loan payment at nelnet.com. Previously when you make a payment online there was a box that you could check that said " do not advance my due date more than one month when I pay more than the current amount due. '' This box is important because if the box is not checked and you make a payment over the minimum, instead of the excess going to the principal, it goes towards your next month 's payment. Paying extra principal every month helps me reduce the amount of interest I owe. 

On XX/XX/2023 when I went to the " make a payment '' section of the nelnet website the box was missing. 

After searching the website for a long time I found that they moved the box to a different section of the website called " special payment instructions '' ( screenshot attached ). 

I now need to make a separate request to have the box checked BEFORE I make my payment. If this request is not processed before I make my payment, my payment over the minimum amount will not go to my principal. 

My payment is due XX/XX/2023. Payments take two business days to process, minimum. The " special payment instructions '' request will probably take several days. My options are now make a late payment this month or do not pay towards my principal. 

I believe Nelnet is doing this on purpose to make it harder for students to pay down their principals and therefore the students will have to pay more interests.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I attempted to withdrawl {$110.00} from my Chase checking account at the Chase ATM on XX/XX/, Funds were not dispensed and i was given a receipt with a message that said " We aren't able to give cash right now. '' The funds were immediately taken from my account. I decided to go into the chase branch and explain the situation. they told me to call customer service. I called them within 20 minutes and they explained I would be given a temporary credit pending investigation within a few hours. after a few hours I called back and was told it takes 24 hours. i called back daily and eventually was credited on the XXXX XXXX XXXX XXXX the temproary credit was taken back and chase had closed the investigation claiming I authorized the transaction. I called back and explained I never disputed authortizing it. I disputed receieving the funds. they told me i'd have to go into a chase branch and have them fax a copy of the receipt the machine dispensed. I went ahead and did that on the XXXX. I called back and they said the case would be re-opened within 48 hours. It's now XX/XX/XXXX. I called to see why the case has not been re-opened. they explained to me it wouldn't be re-opened because it was already closed and if I had submitted evidence it would be reviewed within 24 hours. I explained it had been over 24 hours and they said I should receieve an alert tomorrow. 

I don't trust them anymore. I'm very disgruntled and i'm behind on bills because of it.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, my personal and business checking account was compromised by an individual in Kansas and North Carolina trying to cash a fraudulent business check, at the same time another individual attempted to remove money from personal bank account, both at XXXXXXXX XXXX XXXX XXXX froze all my bank accounts that were tied to Bill Pay through XXXX. XXXX froze all the payments to all the credit cards, which included Citi Costco Visa and Citi Double Cash. I called both Citi Costco and Citi Double Cash to inform both institutions that my bank accounts were frozen due to an attempt by individuals to remove money from my bank accounts, and that I was a victim of fraud.

Both Citi Costco and Citi Double Cash immediately closed my accounts, and representatives stated that in order to determine the reason for Citi closing my account was to wait for the mail. Not only did Citi close my accounts they also removed all my cash back points WITHOUT informing me before closing my account, denying me any amount of rewards on both the Citi Double Cash and the Citi Costco cars.

As a VICTIM OF FRAUD, I have been frustrated and disappointed at how Citi treats customers that have been defrauded or had an attempt to defraud business and personal bank accounts. 

The reason that was provided to me by Citi in their letter dated XX/XX/2023, was " ... a recent review of your account shows one or more late or returned payments in the past six months on this or another related account. '' In addition to the letter issued on XX/XX/2023 from Citi Double Cash informing me that they closed my account, they also sent a separate letter stating " We're unable to reopen your account '', that " ..we 're unable to approve this request because your account history showed one or more late or returned payment ( s ) in the past six months ''. 

I am being PENALIZED by Citi even though I explained that I was the victim of fraud, and no amount of calls to Citi would consider this as a valid explanation as to why there were missed payments due to the bank and XXXX freezing the accounts due to FRAUD attempts I made attempts to speak to supervisors in the customer service and in the rewards department only to be passed around several times, and to land back at customer service who, reading from a script, kept informing me that all my rewards points were removed when my account was closed. 

This is pure blatant abuse by Citi!

I have been a long time customer of Citi, with both Citi Costco and Citi Double Cash and that my payment history and my excellent credit score speaks for itself. To treat long time customers with good credit that were victimized by fraud in a manner that is degrading, insulting, appalling, and shameful.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from XXXX that my credit rating is XXXX All this is because of him I complained to USPIS and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my Experian credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell
Consumer complaint received 2024-03-04
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. (GA)

I did not apply to these companies below Experian - XX/XX/XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XXXX XXXX XX/XX/XXXX & XX/XX/year> - XXXX XXXX -Inquiry
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (NY)

The following addresses are being report as new address that have but arent my address and I never used these addresses. I was told that Citibank provided those addresses as my new address. I dont know if anyone obtaining credit cards or any other fraudulent account at those addresses. 

Alert date : XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX Alert date : XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX