davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I have already filed 2 complaints ( this is third ) regarding this ongoing issue with Citibank and they are keeping my funds and ignoring all my attempts to get it back. As of today they have not resolved this and are ignoring all my communications to them. I need the loan disbursed to me asap. I have been making monthly payments to SBA so I don't default on the loan and ruin my credit. Citibank is refusing to do return my funds to me even after I have provided everything they have asked from me. Here was the original compaint and the issue I'm having : On XX/XX/year> I had my SBA EIDL loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to SBA. It has been over a year now and SBA has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank dozens of times and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost XXXX hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to SBA. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.
Consumer complaint received 2023-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (VT)

After mortgage company incorrectly reported to XXXX XXXX that I was " living in a disaster zone '' due to flooding in another area of the state in XX/XX/XXXX, my credit score was lowered by XXXX points, despite the untruth of this ( another complaint to be filed ) Then thry sent me Annual Escrow Account Disclosure Statement dated XX/XX/XXXX which did not included payments already made and informed me I would need to pay additional {$54.00} monthly for XXXX  months to cover proposed XXXX escrow shortage of {$280.00}. {$54.00} XXXX months equals {$650.00} which is greater than the so-called shortage amount. I wrote to them on XX/XX/XXXX asking for clarification. I paid my XXXX mortgage XXXX  days early as I have done for the length of the mortgage ( since XX/XX/XXXX ). They sent me a letter dated XX/XX/XXXX stating they received my inquiry and would respond on or before XX/XX/XXXX. I am still waiting for that letter. Instead, I got a phone call on XX/XX/XXXX and was told my mortgage payment was not credited because it did not include the {$54.00} which they demanded. I was told that they sent me a letter dated XX/XX/XXXX which I still have not received. Instead I got a Notice of Late Charge and the request to pay the mortgage of plus additional escrow amount. I already paid the mortgage on XXXX XXXX. They are now talking about foreclosure,
Consumer complaint received 2024-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (PA)

Collection company : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Original Creditor : XXXXXXXX XXXX  XXXX opened : XX/XX/year> Last reported : XX/XX/year> Amount : {$2.00}, XXXX I never had a contract with this debt collector for any debt. They could not provide me with any debt validation in the form of a contract with my signature proving that they own this debt and has the legal authority to collect it. This account should be deleted if the proof can not be provided.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. There has been a lack of clear and consistent communication throughout this process. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to remove the fraudulent items from my account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Experian Information Solutions Inc. (FL)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me and Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2024-09-07
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: AMERICAN EXPRESS COMPANY (NC)

In my gold card ending in XXXX I was supposed to get a intro credit of XXXX dollars and a XXXX bonus miles. I met all the criteria for it and did not get it. I was never provided a valid reason as to why I never received it. I continue to pay the XXXX fee for this card annually .... 

Also on my XXXX cash card I recieved a late fee and interest charges for getting to pay one month. That card ends in XXXX, the late fee assessed is more than the current law that was passed by the government.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I ran my credit report and is showing a company by the name of Eastern Account System I, XXXX XXXX XXXX XXXX XXXX XXXX on there, which is a debt collection company for a company by the name of XXXX- that is a cellular company that I used to have. I paid this off years ago, I actually went to the location in person before I moved from XXXX  and paid this off. And the company XXXX  still sent this to the collection company. I am not going to pay them again, after I had already paid them. I disputed this again this year and is still showing on my credit report. I disputed this with the credit bureau this year. I see on my credit reports that it does show that I have disputed this, but then again I ordered my credit report and this company is still showing as " Negative Account Activity '' which is affecting my credit score. Since I paid this off and the company XXXX  still reported it to a debt collection agency, the debt collection agency is reporting false information that needs to be removed ASAP so I can fix my credit.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Chase bank closed my account on XXXX then credited a wire into XXXX account on XXXX They froze all funds including funds not related to the wire 4 months went to branch back office money movement no luck Funds are held no answers from chase
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

In my last request I ask your company to send me real proof regarding the account listed here. You sent me a generic response and I have not received any real proof that this account belongs to me. I will ask for the last time to send me the following. 1. Copy of contract that I signed. 2 Full accounting history of this debt. 3.Every payment I made. 4.All interest of fees that were applied. Let me remind you failure to provide me with proof will be a violation of my rights according to the FCRA. This has caused extreme issues with my finances since you are reporting inaccurate information. Please review my information and delete these items from my credit report immediately.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

The company keeps reporting my account as a late payment after admitting their error. 

They have corrected it twice and last week they posted it late again. 

I am up to date and current on my payment.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

These consumer reporting companies are reporting inaccurate information. They are reporting debts that have been discharged. 

A demand for payment on a discharged debt is a false, deceptive, or misleading statement in the collection of a consumer debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ) as the debt is no longer owed. 

The debt was cancelled, discharged, and ACTUAL DISCHARGE occurred. To memorialize it, these companies issued a 1099-C form. In box 6 the code H was selected. 8. Other actual discharge before identifiable event. This was done in accordance with Internal Revenue Service instructions. " Enter H in box 6 if there is an other actual discharge before one of the identifiable events listed above. 

Debt collection activities means any activities of a debt collector to collect or attempt to collect, directly or indirectly, a debt owed or due, or asserted to be owed or due, another. Reporting on a consumer report is a form of debt collection, so now these companies are violating the FDCPA as well. 

Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 

They also can not lie or use profane or obscene language. Reporting that I owe any alleged debt is profane and obscene to me. 

As such, one of the common FDCPA violations includes misrepresenting themselves or making false statements to leverage fake authority. Debt collectors must identify themselves and give you accurate information about the debt in question. These companies are not giving accurate information. To third-party reporting companies.
Consumer complaint received 2023-08-24
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. (IN)

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXXXXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd. (VA)

I have received text messages and phone calls from XXXX Harris & Harris for over two years. They say in the texts it is for debt collection for XXXX XXXX ( {$5700.00} ) over XXXX XXXX XXXX. No messages are ever left on my voice mail. I dont even know where this is, nor have I to my knowledge ever crossed this tunnel. The texts are brief and include a link to click on, but I have not clicked on this link for fear of stealing my data. I have never received anything in writing. There is also a direction to enter STOP if I want to be removed from the texts, but that also makes me nervous so I have just ignored them.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I have a credit card and a savings account with CITI bank, they sent me a promo through their app saying that if I open a new checking account I would get a {$300.00} bonus if I do direct deposit totaling {$1500.00} within the first 90 days of account opening which I did and met all the requirements. The 90 days have passed and I never received the bonus, I then reached to them and I was told they had no such promotion going on. I did some research online just to find out that they did the same thing to other customers.
Consumer complaint received 2023-08-24
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. (IN)

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (GA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$710.00}
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Around XXXX, 2023 Equifax placed a fraud alert on my credit file. I never requested this in any way. I am trying to purchase a car, and I am being denied credit from out of state lenders because of this fraud alert. Many require me to verify my identity inside their ( only out of state ) branch. I am not able to do so, so the application is denied. On XXXX I followed their instructions to remove the fraud alert by mailing a letter along with a copy of my driver 's license and social security card. The required time has elapsed to remove the alert, but this has not happened yet. On XXXX I contacted them at XXXX to follow up on the status. They said they could not help me because they could not verify my identity. I provided the same information the other credit agencies use to very my identity. I asked for a supervisor, and I was placed on hold for an hour. No one called me back. I have cleared the fraud alert from XXXX and XXXX, but Equifax is still reporting an active fraud alert to them. So, the other agencies keep re-adding a fraud alert.
Consumer complaint received 2023-08-24
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove/delete the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (LA)

XXXX XXXX XXXX I have disputed this debt with this company on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
The company has not provided and written details about ownership of this debt and provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 


As of XXXX this debt is owned/sold to XXXX XXXX XXXX 

Please assist with having this debt removed from my credit reports, which includes XXXX, and XXXX credit bureaus.
Consumer complaint received 2023-08-24
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. (IL)

In noticed a XXXX XXXX XXXX XXXX XXXX I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.
Consumer complaint received 2023-10-25
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. (CA)

The supremecy clause of the constitution located at article XXXX paragraph XXXX this is the supreme law of the land transunion ignores this I have asked for the companies reporting on my report for the original certificate of indebtedness also that third party collectors are illegal a bunch other infringements of my rights they ignore these treaties and laws are being ignored and thats a crime but I dont understand how they can investigate and see that third party collectors without brandishing the cert of indebtedness along with not getting my consent which is a huge wrongdoing and sharing my info wow without consent is a privacy and moral no no
Consumer complaint received 2023-08-24
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.