davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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. (MD)

An order for fish tank anti-biotic was placed with XXXX on XX/XX/year> XXXX. Order confirmation was received from XXXX. This has been the ONLY COMMUNICATION from the merchant to date. 

XXXX. There was no further detail from them re preparation, shipment, tracking number, delivery notification NOTHING. 

4. On XX/XX/year>, I tried contacting the merchant but discovered their website XXXX  NO LONGER EXISTS. Thats when I called Citibank to dispute the charge. On that day, I specifically told your customer rep that the website is no longer reachable and I suspected XXXX to be a scam. I had requested the case be referred to the Citibank fraud team. 

Apparently, my request had been ignored. I have never been contacted by the Charge dispute team ( by phone or email ) about the status of this disputed charge. Not having heard from Citibank re this case for so long, I finally called their customer service about this on XX/XX/year>. Thats when I was informed that the case had been concluded, that the merchant had claimed the product was shipped out to me and that I could look it up under Disputed Charges in Citibank online. 

Questions : 1. Did the merchant show any actual proof of the shipment? 2. Was any t
racking number provided to Citibank? If so, what is that USPS tracking number?

3. Why is there no communication from Citibank with me during and after the case was concluded?

4. Did Citibank ever verify that the merchants website is no longer reachable online?

This case should have been referred to the Citibank fraud team before any more customers get conned by this same merchant, maybe under a different name and website.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (FL)

This is the second time that I received a notice from this Attorneys office claiming that I have an outstanding debt in the City of XXXX, State of Texas. The letterhead is from Linebarger Goggan Blair & Sampson, LLP Attorneys at Law. 
Their most recent communication states WARNING and that a warrant for your arrest may have been issued by the court. IF a warrant has been issued, you may be arrested at any time by any peace officer. This type of warning is threatening, scare tactic to attempt to collect a debt is against the law and a violation of the FDCPA. To add this is not owed by me to begin with. I dont have a TX drivers license as the notice states. I attempted to contact the number on their fraudulent and illegal notice and no one answers. Also I checked the XXXX  website and they have over XXXX complaints against them. Huge mistake of this was done in error.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Whenever Transunion prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If the completeness or accuracy of any item of information contained my file at a consumer reporting agency is disputed by me and I notify the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from me. Any person who willfully fails to comply with any requirement imposed under The Fair Credit Act with respect to me is liable to me in an amount equal to the sum of any actual damages sustained by the me as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. A person shall not furnish any information relating to me to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Reporting information after notice and confirmation of errors. A person shall not furnish information relating to me to any consumer reporting agency if the person has been notified by me, at the address specified by the person for such notices, that specific information is inaccurate ; and if the information is, in fact, inaccurate. Which it is as evidenced by CFPB complaint # XXXX where entries were removed due to it being inaccurate by XXXX. Transunion not only continued to report inaccurate information but updated the information to show accounts closed as of XX/XX/year>, after my initial dispute which is absolutely inaccurate. I have suffered injury due to them continuing to report inaccurate information. When I reached out to the again, instead of them reinvestigating they send me a letter. There are major discrepancies with the credit agencies reports. I have provided proof of how they do not match up due to inaccurate reporting. It has been well over 30 days. I want the inaccurate information, any discrepancies disputed removed. When requesting they provide how they came up with the end result that differed from another agency, I was not mailed anything but my credit report.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

Hi when I joined chase during my branch meeting for my account I alerted them that my first 3 checks deposits would be given in the name of my third party contractor. To which the branch rep stated that this is perfectly fine and asked me would I like to deposit one at this time to which I said yes. My first deposit was successful the issues did not arise until my second deposit which I was alerted drew suspicion over the name being a third party which confused me since my first deposit was successful and I was also told by the branch rep during sign up that this would not be issue. I provided the bank with numbers to contact these contractors to verify the payment was given to me but I was told they could not use their business phone number that it would have to be personal cell phone. This created an issue for me since the bank had coerced me into believing the checks would have no issues then after placing a freeze assigning an arbitrary rule in order to get check verified. even though the number i provided for the contractor checks could be verified by a quick search online or just by calling them! those funds are needed in order to keep my business up and running therefore i have been pursuing every avenue to have them released
Consumer complaint received 2024-06-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Dear Sir/Madam, I am writing to formally lodge a complaint against Comenity Bank regarding their handling of my Sephora Visa Signature Credit Card account , which has caused significant and ongoing financial distress due to erroneous credit reporting as a result of repeated system outages impacting ability to complete payments. In the summer of 2022, I opened a new Sephora Visa Signature Credit Card. After opening this account, Comenity Bank 's Sephora Credit Card system experienced repeated outages, causing frequent inabilities for customers to complete payments. This outage led to me being wrongfully charged late fees in and XXXX of 2022, which was then erroneously reported as late to the credit agencies. To resolve the issue, I promptly contacted customer service. They acknowledged the error, agreed to reverse the wrongfully charged late fees, and assured me that no late payments would be reported to my credit agencies, as they were at fault given customers could not access their accounts. The late fees were subsequently reversed on my account, and I was issued a check to reimburse me for the wrongfully charged fees. However, I later discovered that Comenity Bank never removed the report from my credit agencies, which caused my credit score to drop by XXXX points. When I followed up with them on their promise to remove the reported late payment from my credit report, they denied my request. It has been impossible to get in touch with anyone who can effectively manage my complaint. Each time I have reached out for a resolution, I am put into a queue of overseas agents who have consistently made misspellings in their responses, indicating a lack of professionalism and effective communication. Despite my repeated attempts to resolve the complaint over the last 2 years, my credit report still reflects a late payment that Sephora reported during their system outage. This report, and consistent issues with accessing my account and completing payments, has caused me significant financial distress and has impacted my ability to apply for loans, apartments, and other essential financial activities. I have thus discontinued use of this credit card, but the account remains open while I seek resolution. After researching online, I have found that many other customers experienced similar issues with Comenity Bank 's Sephora Visa Signature Credit Card in the summer and fall of 2022, following the opening of their credit card accounts. Given the significant impact on my financial standing and the lack of resolution from Comenity Bank, I am requesting the Consumer Financial Protection Bureau 's assistance in the following resolutions : Immediate removal of the late payment report from all credit agencies. A formal apology from Comenity Bank for their handling of this situation and assurance that similar issues will be prevented in the future. Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution to my complaint.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 informationisinaccurate.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (MN)

I am writing to formally express my dissatisfaction with the handling of my XXXX XXXX order ( # XXXX ) placed on XX/XX/2024, and charged at $ XXXXThe order was shipped via XXXX  ( tracking # XXXX ) on XX/XX/2024, and marked as delivered on XX/XX/2024, at XXXX XXXX Despite extensive searches of my premises, including inquiries with neighbors and building management ( XXXX XXXX package office ), the package remains unlocatable.Upon contacting XXXX, I was advised to file a claim with XXXX. However, XXXX informed me that the responsibility lies with XXXX as the shipper. Repeated calls to XXXX over the past XXXX weeks have resulted in a series of delays, conflicting information, and ultimately, no resolution. I have been given XXXX case numbers ( # XXXX, # XXXX, # XXXX ) with no tangible progress.As of today, XX/XX/2024, I have not received the XXXX XXXX I purchased, and the issue remains unresolved despite multiple attempts to engage with XXXX 's customer service. I placed the order via Affirm ( Load ID XXXX ) and I placed a dispute regarding the order with Affirm since I DID NOT receive the order. But they ruled in favor of the merchant ( XXXX ) even when I haven't received the order from XXXX. I do not understand why I have to pay for an order which I did not receive? 
I have paid {$720.00} to Affirm for the order including interest charges and as I write this message, they are charging me money for a product that I never received.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

According to 15 U.S. Code 1681c-2. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX XXXX Acct : XXXX XXXX, CITICARDS CBNA Acct : XXXX
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (NY)

I submitted letters to all 3 bureau on XX/XX/XXXX asking to verify the following accounts and ensure that all of the information on them were accurate and correct. Each letter was mailed through XXXX and delivered. After about 45 days I received a letter from each stating that they updated some DATES and everything else was accurate. Upon very carefully reviewing my credit, these accounts still show a number of alarming discrepancies. There are multiple important dates, balances and even account status errors that I came across while conducting my review. 

The following are all of the accounts i request be reviewed. today is XX/XX/XXXX and all of the information for these accounts are incorrect. 

Account : Unsecured Loan Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Educational Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


In accordance with the Fair Credit Reporting act these accounts have 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT WRITTEN INSTRUCTION.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (DE)

I realized today that Jefferson Capital Systems XXXX is on my credit reports.The information being reported is FALSE and Jefferson Capital never sent me anything regarding this alledged debt before reporting this FALSE adverse information on my XXXX XXXX and XXXX credit reports, because it does not belong to me. 
I will sware in a courtroom that I never had an account with XXXX or Jefferson Capital. 
I am requesting complete validation in accord with FCRA 809 and dispute this debt in its entirety. I also request that Jefferson Capital send to me the purchase agreement that Jefferson Capital has with the alledged original creditor XXXX. 
I am also demanding this alledged debt be removed from my credit report immediately from ALL credit reporting agencies that Jefferson Capital may be reporting to.

Section 1006.34 clearly states that I should receive notice of debt before it was placed on my credit reports ( s ). Jefferson Capital knows or should have known this. Remove this information from my credit reports immediately or I will seek legal representation.
Consumer complaint received 2024-06-15
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)

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.

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 informationisinaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (IL)

XXXX refuse to update information to its third parties. The third parties has all the wrong information and can not update until XXXX updates them. its been over a year and these vendors and XXXX are blamming each other while i get denied credit, housing
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-06-14
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: Chime Financial Inc (TX)

I have a dispute for {$44.00} that was denied because the dispute department there filed it wrong then the 2nd and 3rd agent said they corrected it which they didn't. I was also told months ago that the credit builder card had buyer protection so going forward for risker transactions I specifically used the credit builder card. Well I had an issue then disputed it and was told the complete opposite and then the claim got denied meanwhile my electric bill is due and at least with the credit I would have been able to cover it but nope not now. Just liars at Chime and mislead and file improperly. I'm contacting the consumer protections agencies XXXX and whatever else I possibly can for both Chime and XXXX XXXX FDIC until this is resolved.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (FL)

I deposited XXXX dollars into the ATM on XX/XX/year> and it did not deposit into my account or give me my money back. This is the second time this has happened and I was told they would fix the issue with the ATM but should also should never use the ATM and why didnt you come in. Why is it an option if their only advice is to not use it. I was told I need to wait weeks yet again for my money to be returned to me which isnt feasible in todays economy. 
Ive wasted hours of my time at this point trying to fix THEIR issue for them when in laymans terms I am the victim of theft. 
The last time this happened I was given several run around and the date in which I would get my money returned was pushed back several times. The ATM is still open with no warning signs, Im baffled how they are allowing that to happen while blaming me for using it.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. 
I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name XXXX XXXX  After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name