davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I have a Citi XXXX XXXXXXXX XXXX  which I had put a 'lock ' on several months ago. I got an email from Citi that even though my card was locked, there was a recurring charge being processed. This particular charge was unauthorized, from XXXX for a game which I do not have nor have had for several years. In fact, I disputed this charge ( yearly fee ) last year with Citi when it was charged and lost and then contacted XXXX, stating to never charge me again for this, I did not want, do not have, and am not authorizing. This appeared and processed again this year. XXXX. I again disputed this charge via the online web page, XXXX. I called to dispute this charge and after being told it would be removed I was transferred to XXXX different people in XXXX, just saying the same thing. XXXX. I asked them to cancel my account, XXXX. After an hour wasted on the phone I hung up. 
Today again, I called Citi ( XXXX ), this time only to close my account. I was again transferred to another person, this time to my 'Account Specialist '. After asking why I wanted to close my account, he apologized for the service I had received previously. Why do I want to close my account? XXXX. I have two other credit card with 0 % interest, XXXX. I do not want this much 'open credit ', and XXXX the way Citi treats their customers is unacceptable. 
He again tried to talk me out of closing my account, stating that they would have 'security ' investigate my dispute and cancel this number issuing me a new card with a different number so that recurring charges could not occur. I told him that I did not want another card, to close this account and if they send a new card it will only go into the shredder. 
I asked him why they wanted me to keep this account ( I already know why ). He told me about their great reward ( point ) system. I told him, yes, I have {$6.00} in points. He explained how they can accumulate. I told him, no, I don't use this card so nothing will accumulate, cancel the card. He kept talking. I finally go mad after 15 minutes of not getting anywhere to close this account. I have NEVER had such an issue canceling an account in my life! Citi is terrible. I finally yelled at him to cancel my account. He then said 'calm down ... ' I hung up. I am NOT going to waste another hour on the phone with Citi whom refuses to cancel my account. I want his account cancelled immediately. 

Now, instead of closing my account, I just received an email where they want me to 'unlock ' my account! 

Please advise how I can get this closed. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-07-09
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. (SC)

I have asked the credit bureaus to produce original documentation with signatures validating that these account belongs to me. They have ignored that request and sent back messages stating " the account has been verified '' and did not provide proof over the verification nor the process of how they obtained the verification. They have also stated " the information sent in does not appear to have came from you or from someone that was authorized by you '' ; a stalling tactic and I sent in proper documentation to verify my identity. 

I am distressed and this is affecting my livelihood. I have missed out on financial deals and acquiring assets because of inaccurate and fraudulent reporting on my consumer reports and at this point I have sought legal counsel and will continue with that process if this issues isn't remedied. 

There is personal information that is not accurate and there are accounts that I have no knowledge of. 

accounts : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX ; {$9800.00} XXXX Financial Date : XX/XX/XXXX, XX/XX/XXXX ; {$6600.00} XXXX XXXX. Date XX/XX/XXXX, XX/XX/XXXX ; {$10000.00}, {$10000.00} XXXX XXXX XXXX Date : XX/XX/XXXX ; {$9800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX ; {$800.00} XXXX Date : XX/XX/XXXX ; {$930.00} Personal Information : XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( I've never lived at any of these addresses ) Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not work here inquiries : XXXX  Date : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX Please delete all of this inaccurate information
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing items on my Transunion Credit Report for over 18 months to date. Since then, Transunion has consistently and purposely impedes my ability to review my credit report. Transunion continues to block my ability to see my report online in an effort to distort the dispute process. Transunion ignores 15 US Code 1681e compliance procedures. Transunion is denying my right under 15 US Code 1681 ( a ) Accuracy and fairness of Credit Reporting. 

I am requesting full access to my credit report during before and after the dispute process. I am requesting Transunion stop blocking access to my online credit report, comply with procedures within the Fair Credit Reporting Act specifically regarding disputes 15 US Code 1692g ( b ). Stop delaying and or stalling on removing unverified accounts immediately. Provide Accuracy and fairness of credit reporting 15 US Code 1681 ( a ).
Consumer complaint received 2024-01-08
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 did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (WV)

My husband and I purchased the vehicle in question using GM Financial. We used it for a trade with the idea that we had finished paying off the vehicle when we traded it in. We received the Title of the car and gave it to the dealership. This was in XXXX OF XXXX. We have completely moved on and never saw anything from GM Finance. And we check our credit all the time and just recently purchased a new car and nothing came back on our credit. 
We are working with our bank and had our credit report run and found there is a Charge-off for the car from GM Finance XXXX XX/XX/year>!! Stating that we still owe them money, that we never paid them. We called as soon as we got the report from our bank. We were transferred several times to be told a different answer every time. We were told it was paid off by the new loan when we purchased our new car when we traded it in and received the title, then told that we owed nothing and then that we still owed BUT COULD NOT PAY. We were transferred many times, asking for the call to be escalated to someone who could give us a clear response however we continued to receive conflicting responses. Any way you look at this, the information was not told to us and was not placed on our credit report until this year. Three years after the trade in of the car and receiving of the Title. And no one is allowing us to try and fix it when we have made attempts to. Yes we struggled when we had the car but we have been in a much better place financially and worked diligently to clean up our finances and our credit report. And we are finding it more and more frustrating when there are still companies that are still allowed to do whatever they want and have no oversight. Especially when people are trying. I appreciate your time.
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frost-Arnett Company (DE)

In XXXX of XXXX, I underwent several procedures at the behest of the XXXX XXXX XXXX XXXX XXXX, including a procedure at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. These tests were to evaluate me as a potential XXXX XXXX XXXX. 

In the US, the costs associated with donating an organ are covered by either Medicare or the RECEPIENTS private medical insurance. I was the potential XXXX. See XXXX XXXX XXXX XXXX XXXX as evidence. I also have emails from the XXXX XXXX XXXX representing that I would not be financially responsible for the testing. XXXX XXXX XXXX XXXX XXXX  XXXX. was aware of this prior to performing the procedure. 

In XXXX of XXXX, XXXX XXXX contacted me about a collection for $ XXXX reference number available on request. On XX/XX/XXXX, I disputed the debt, including the above information. Additionally, I furnished a point of contact for the XXXX XXXX XXXX, so that the people responsible for the debt could be contacted. At the time, XXXX XXXX accepted that the debt was invalid and stated they would cease collection efforts. I copied the XXXX XXXX XXXX XXXXXXXX XXXX. on the written response, and also informed them via telephone. 

On XX/XX/XXXX, XXXX XXXX contacted me again about the debt. No validation was documented. No notice that the debt was disputed was provided. I believe that both of these are violations of the Fair Debt Collection Practices Act. 

XXXX XXXX provided the contact phone number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX, XXXX, TN, XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (AZ)

Never heard of this company, but XXXX told me they used them to verify a rental address. I've never given CoreLogic permission to report anything to anyone. They have never provided me with any notice, advising me of who they are, and what they are doing. 

Per the FCRA as a federally protected consumer, I am now opting out of all, authorization, I, XXXX XXXX, ( and any other forms used alike XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ), the consumer, may have given written, unwritten, verbal and non-verbal per 15 U.S.C 6802.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (KY)

XXXX XXXX is not liable for XXXX XXXX XXXX XXXX  with account number ending XXXX for XXXX. I don't give my permission for XXXX XXXX  to have my personal identifying information to third party debt collectors and to share, trade, sell, or transfer to any of third party non affiliates and affiliates such as Credit Control , LLC, and Resurgent which they have already violated my rights to privacy and FDCPA. and FCRA. I do not have a contract with any of these entities and any of their affiliates. I do not want to contract with them either. Cease and Desist any form of communications such email, phone, and mail. I will be filing a FTC fraud report and identifying theft and defamation of character. 
Intent to sue for security fraud by Security Exchange Commission and auditing your company accounting records for this account. My claim against your company using all documents as proof of claim.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BHFC Financial Services INC (NV)

every month when i ask for the car loan balance they refuse to give me the balance and always say we will send it by Email and never happen Now the sold the contract and refused to give me the Information on the new financial institution saying that they sent the Info by Email again so sad they treat the customers like this people BHFC is located in XXXX Az also i noticed that they instaled a GPS tracking system without letting me know hope you can help me with this issue with BHFC financial since there is no customer service there they just call you when is time to pay
Consumer complaint received 2024-08-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (OH)

On XX/XX/year>, I disputed a debt reported by P & B Capital Group through XXXX XXXX, which was listed on my credit report by XXXX. Prior to this dispute, I had not received any communication from P & B Capital Group or XXXX XXXX XXXX regarding this debt. On XX/XX/XXXX and XX/XX/year>, P & B Capital Group sent emails requesting payment without providing the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ). These emails did not include essential information such as my rights to dispute the debt, request validation, or obtain the name and address of the original creditor, violating FDCPA requirements. 

The original creditor for this debt was XXXX, not P & B Capital Group. P & B Capital Group initially listed themselves as the original creditor, which is incorrect and misleading. This misrepresentation further violates the Fair Debt Collection Practices Act. 

I sent my first formal dispute letter to P & B Capital Group on XX/XX/year>, outlining the violations and requesting proper validation of the debt. On XX/XX/year>, I received a response from P & B Capital Group, which again failed to provide adequate documentation or satisfy the legal requirements for debt validation. Consequently, I sent a second letter on XX/XX/year>, reiterating the need for proper validation and informing them of my intent to pursue legal action if the matter was not resolved. 

Additionally, on XX/XX/year>, I sent a dispute letter to XXXX via certified mail, detailing the inaccuracies and the lack of proper verification from P & B Capital Group. Despite this, on XX/XX/year>, XXXX validated the debt again, even though P & B Capital Group had not provided the necessary documentation to substantiate their claims. P & B Capital Group initially listed themselves as the original creditor, which is incorrect, as they were not the original creditor. Moreover, P & B Capital Group placed this debt on my credit report without ever contacting me beforehand. This continued validation without proper investigation or notification constitutes violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I seek the Consumer Financial Protection Bureaus assistance in addressing these violations and ensuring compliance with the law.
Consumer complaint received 2024-01-09
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. (CA)

There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Consumer complaint received 2023-10-26
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. (MI)

I paid for serviced with the original creditor ( XXXX XXXX ) and they sent a balance to collections that I do not owe. I believe they have done so in error or have my account confused with another customer.
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: TFS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I spoke with a Third Federal Mortgage officer ( XXXX XXXX ) about a XXXXXXXX XXXX  advertisement. After speaking with XXXX XXXX, he advised me that I would be good with my current mortgage rate until XX/XX/XXXX. So no further action was necessary according to XXXX XXXX. I asked him to supply me evidence of this conversation via email. He did comply. 

But upon reviewing my mortgage information on XX/XX/XXXX, the mortgage has adjusted to a higher rate and will increase by XXXX on XX/XX/XXXX. I promptly called Third Federal for an explanation. All that was provided is they were sorry you were provided incorrect information. This was unacceptable to me, So I asked to speak with a manager XXXX  XXXX XXXX XXXX took the call. She just reiterated the same dialogue. She then put me on with another manager ( XXXX XXXX )... she understood my concerns, but doesn't think they can rectify their error. I even paid the XXXX required of the XXXX XXXX XX/XX/XXXX and they further stated it will take a XXXX  to take an effect. I have been advised incorrectly when trying to secure in XX/XX/XXXX and then again after they took my XXXX fee. Very deceptive business practice.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I deposited a 3rd party check because a representative gave me the ok to deposit it over the phone then my account was locked and they made me bring in the person who endorsed the check to me they said 24-48 hours my account will be open again but I just got off the phone and they said the system denied to open my account and now they are saying I have to wait 30-60 days to get the money from out of my account and thats ridiculous because I followed every step they asked me to so why shouldnt I be able to go to the branch and widthdrawl my funds
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LoanCare, LLC (AZ)

As per the terms and conditions of the mortgage I am required to be a resident of the property for one year and I moved out a month before that year was up. It is also stated that I must reside at the property because I am the Veteran and the principal owner on the loan. I have requested repeatedly that my ex spouse refinance because they are my benefits earned prior to our marriage. The mortgage company refuses to enforce this clause of our contract and I want this loan out of my name and off of my credit report.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> I sent XXXX thru XXXX from my bank account to my XXXX. This was not our XXXX XXXX between each other. The XXXX completed on my end and showed as pending on theirs. They contacted their bank which is also Wells Fargo and told that my payment was flagged as fraud and the payment wound be sent back in XXXX business days. On XXXX the funds were no longer in my XXXX account but also not returned or pending to my XXXX. I am late on rent and need answers as to where my money is XXXX holds no responsibility and neither does my bank.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (KY)

First of XXXX Chase Bank and JPMorgan decided they no longer wanted to do business with me. Which is fine, except now they believe its ok to bombard me with emails I cant respond to, as well as keep money that doesnt belong to them. XX/XX/XXXXXXXX XXXX was transferred from an external account to checking account ending in XXXX at Chase bank. All I get is their incompetent pions telling me they cant access my account, that they would transfer. Being transferred and lied about where my money is. As of this day, NOTHING. On this same day, investment account I had with JPMorgan ( These matters are one and the same ) was also closed. 
I had no way to access my funds, nor my account paperwork each and every time Id get a message. I still have {$2.00} in my investment account that Ive not seen. These accounts were supposed to be closed. So if thats the case wheres my money?? Im growing very fed up with this institution. Something needs to be done about them.