davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Complaint Summary : I, XXXX XXXX, am filing a complaint against Citibank for their involvement in unauthorized XXXX debits totaling {$45000.00} from my Chase account. These transactions were made to a Citibank account associated with XXXX XXXX Credit Card payments without my consent, highlighting a significant security breach. 

Details of the Incident : XXXX XXXX XXXX XXXX Citibank : {$45000.00} Nature of Unauthorized Transactions : Payments to a Citibank credit card from my Chase account without my authorization. 
Date Range of Unauthorized Transactions : From XX/XX/XXXX to XX/XX/XXXX XXXX : The unauthorized transactions were identified during financial checks and were not flagged by Citibank despite the obvious discrepancies in account holder information. 

Questions to Address : How were payments authorized from an account that did not match the name on the Citibank credit card account? 
What are Citibanks procedures for verifying the legitimacy of XXXX debit requests, especially for significant amounts? 

Expected Resolution : XXXX. A full refund of the debited amount to my account. 
XXXX. A comprehensive review and strengthening of Citibanks fraud prevention mechanisms. 

Supporting Evidence : Detailed list of transactions showing the dates and amounts debited. 
Communication with financial institutions acknowledging the lack of authorization for these debits.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (HI)

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 2024-07-12
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. (TX)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity.

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

XXXX  XXXX, XXXX  XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-07-12
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (DC)

XXXX a division of Webster bank has XXXX my online access and frozen my funds. They did not notify me of why this happened. After several attempts to access my money and speaking with customer service I received an answer that there was a freeze due to a transfer request. XXXX requested I send a copy of driver license and bank statement via an UNSECURE email. I had no choice but to comply and send the documents. I received no reply after the information was sent. I called the following day and was told it would be resolved in XXXX hours. I spoke to them the following day and was told it would be another XXXX hours. Not being able to access or transfer my funds has caused other accounts to be overdrawn and for me to miss payments to other businesses. Unacceptable to withhold a customers funds with NO information on a resolution.
Consumer complaint received 2024-08-16
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: DISCOVER BANK (MA)

I have a closed charge-off account with Discover Bank that has charges that I did not authorized. 

I have sent letters to Discover requesting documentation of such account to proof the charges and to this day I have not received any letters from them. 

I sent them a FTC & Police report of such fraud account but they have not take it into consideration and that account is affecting my credit.
Consumer complaint received 2024-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

On Thursday, XX/XX/year>, Navient contacted my current employer. 

On Thursday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Wednesday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Tuesday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Monday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

Since Navient 's last response to my initial complaint, Navient has continued to consistently call me and has now escalated their harassment by calling my current employer. 

Per Navient 's last response on XX/XX/year> : " Please note that your account remains in a collection cease, due to the receipt of your original application. Therefore, we are not currently attempting to contact you or any cosigners for payment at this time. ''
Consumer complaint received 2023-05-04
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. (FL)

I requested the identity of the " Third Party Vendor '' Experian used to verify the completeness and accuracy of a record listed on my credit file as " XXXX XXXX XXXX XXXX XXXX' reference # XXXX. The FCRA requires credit reporting agencies to " Clearly and accurately disclose to the consumer the sources of the information '' in the consumer 's credit report under 15 USC 1681g ( a ) ( 2 ). According to Experian 's response from complaint # XXXX it contacted a third-party vendor who has certified the accuracy of this report. However, according to the attached report dated XX/XX/2023, no third-party vendor is listed. In fact, the record is listed as the court under " XXXX XXXX XXXX XXXX '' which is inaccurate based on Experian 's response. I am requesting the removal of this record from my credit file on the basis of the FCRA violation listed above.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (TX)

I have contacted the companies and the credit reporting agencies about these inquiries that I did not recognize and they refuse to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NM)

I filed a dispute on XXXX for money stolen from my account. I got a new card issued to me and a provisional credit back. Then today XXXX, I find out that everything was denied and the money was taken from my account from the bank. I've called and went into the bank, and it seems like nobody can help me. They're taking money I've worked hard for, and now the bank is stealing my money? I need help getting my money back please.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC (TX)

I received a call on XX/XX/XXXX from a representative that states she was from R & R solutions and that were contacting me to let me know I had until the end of the business day to get this settled or they were going to continue on with a civil lawsuit. Stated that they had sent me letters previously notifying me of this situation. Received another call today and left voicemail they said they were going to continue with litigation and threaten to put a lien on my vehicle. I called the number they left back and spoke with a XXXX he said this was a breach of contract for a XXXX  loan that I defaulted in XXXX with XXXX XXXX. I asked him if this was something that had been in collections and I owed why was it not on my credit report and that I dont remember a XXXX XXXX. He stated the loan was from XXXX for a XXXX  loan but I did not attend XXXX  that year. I asked for proof of who this company was and what the loan was exactly for. He said they had sent letters in the mail and I told him I never received anything. I asked him if this was legitimate to please mail me this information. He stated they would put it in the mail and it would take XXXX days. After that conversation they called my sister-in-law and left a message also stating that they were going to put a lien on my vehicle if I did not contact them.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monarch Recovery Holdings, Inc. (TX)

Im received multiple letters written to me by debt collector companies claimed I owe to multiple companies. According to 15 USC 1692 G, I requested the debt collector provide me the following information below : 1.Provide a copy of original contract with original creditor that I signed.

2.Detailed list of the history of payments made by me on this account from original creditor. ( Payment history ) 3.Provide the name and the address of the original creditor.

4.provide the signature that I put on a contract guaranteeing that I would pay this creditor.

5.Provide any insurance claim found on this debt ( has there been? ).

6.Provide the proof that the debt collector companies have the chain of title to collect on this debt. ( Proof of debt assignment ).

Unfortunately, I did not receive any reply. 

The names of the companies are listed below : * XXXX XXXX XXXX XXXX * Monarch Recovery Management , Inc . 
* XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (WI)

I filed a dispute over credit card charges made by XXXX XXXX XXXX XXXX XXXX  in XXXX, Wisconsin, and Elan Financial Services was supposed to conduct an investigation and return the report to me to turn over to police in XXXX XXXX for a criminal complaint. 

When they dragged their feet, I filed a complaint with CFPB. CFPB then forced them to respond, in which they claim to still be investigating. That same day, I received a XXXX XXXX drop in my credit score despite not missing any payments or ever being late, from XXXX via email, and when I called them, they were unable to determine the origin. 

Today, I received a form letter detailing how Elan is legally entitled to share my credit information to other credit cards. This clearly indicates that Elan acted in a retaliatory manner and were the source of my XXXX XXXX drop in credit rating/XXXX XXXX. I will now be preparing a subpoena and suing them in federal court for retaliation. A company being investigated by CFPB for a legitimate complaint that turns around and attempts to inflict financial hardship by reporting to a credit card what the credit company already knows in an attempt to lower the XXXX XXXX  is ILLEGAL, and is XXXX XXXX evidence of retaliation. 

This is blatant misfeasance and an attempt to use otherwise legal reporting in a retaliatory manner in retaliation for me filing the initial complaint to CFPB.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX XXXX account number appearing as " XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX XXXX XXXXXXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX XXXX XXXXXXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXX  XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Dear XXXX : I am reaching you about my account at Chase. It was closed because I deposited XXXX checks. XXXX is under my name ( XXXX XXXX XXXX, and XXXX is under my friends name ( XXXX XXXX ). These XXXX checks are issued by the lawyer about the car accident compensation ( which happened XXXX years ago ). And my friend is currently in XXXX and will not be back in the US. So he asked me to deposit the XXXX checks together. 

Now my account is closed. And the XXXX checks were on hold. I called Chase many times about my situation, but they gave me different answers every time. Initially, they said I could reopen my account once they verified the checks. But after that, they refused to call the check maker to verify ( because the number is not verified at their system, but it is on the check I deposited ) and said I could not get back my account. After that, I also went to the branch several times, but they told me they couldnt do anything about it, and asked me to contact the check maker to recall. I contacted my check maker ; they claimed that XXXX checks had already been deposited so they couldnt do anything about them. I feel so lost now and dont know what to do next. 

I understand that there would be some policies of the bank. But this account is the only account that I have in the US, and I already used this account for XXXX years. I have chosenChase ever since I came to the US. I want to reopen it if it's possible. 

And they said the XXXX checks were on hold. But XXXX of the checks is under my name. I wonder if I can get those parts of the money back to me first. And return my friend 's check to the check maker. Otherwise, I dont know where I could find all the money back, and I can not afford it. 

I apologize for the situation ; it is my fault at the beginning. I would really appreciateit if you could help me and give me a clear answer on what I cando about this situation. And I could provide anything ( my and my friend 's ID or check information ) to verify our identities. Wish you have a great day. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (SC)

I, : XXXX :, XXXX, am, a " XXXX '' ( see 8USC1408 ) on XX/XX/year> at approximately XXXX arrived at Chase Bank XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tel XXXX 
XXXX to open a " private '' personal checking account. Upon arrival I, : XXXX : spoke with the banking representative and produced my XXXX XXXX XXXX, United United States of America, three star, XXXX and card. I also provided a affidavit of true identity along with a power of attorney, notice of fiduciary relationship, and notice of fiduciary relationship of financial institution. I clearly informed the representative that she will not understand my status as a " XXXX '' and advised her to get the banks manager. The bank manager came into the office and I clearly explained the situation and informed her to present my documentation to the legal department for review. Both the manager and the representative " refused '' to accept my passports and refuse to read the documentation and also refused to present my documentation to the legal department. 
I clearly informed them both, that, If, I, : XXXX :, XXXX, leave the bank branch without opening an account that I will, if fact, report, them to the CFPB. After, informing them of my right they claimed that they could not accept my instrument which had a restricted endorsement on the back ( see 31CFR328.4 ), and, I, : XXXX XXXX XXXX, departed, the branch without opening the account.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

In XXXX of 2022 I contacted my XXXX XXXX XXXX XXXX XXXX to consolidate my credit card debt. They proceeded to send out checks to these companies to pay off my debt. One of these checks was to Comenity Bank. Which they took and then sold my debt to XXXXXXXX XXXX XXXX. They are still reporting I owe them XXXX years later.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I charged an item in the XXXX XXXX credit card. I paid off the charge, then the bank kept charging me fees every month. I called them and they said they would stop the charges if I pay the outstanding fees, which they should not have charged. But I paid them to put an end to this. I requested that the account be closed. They sent a letter which I will attach. However, every month I get a statement with new charges.