davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

Since I opened up a new account with Citibank barely two months ago, my account is blocked. I lost count how many times I've called Citibank with my concern either the agents are very rude, say they can't help me than say I'm disconnecting the call, or take through interrogation like I'm the guilty one for opening the bank account. My bank account has been blocked now for over a week, I feel like I'm being taking around in circle with no one even trying to resolve it. I filed with XXXX, because this is getting way out of hand, I can't even add the money that's in the account to pay my rent. Every agent I have spoken with keeps asking me did I receive a call or voicemail with a code, I said no. That's when the agent said there's nothing they can do to help me, I'll have to wait for the verification letter to come in the mail with the code what sense does that make. I even called my cell phone provider to give me a new phone, obviously the number associated with my account is the big problem. I end up contacting Citibank Ethic Department spoke with XXXX who picked up the case from XXXX told me the program is old school and the company are stuck in the old days. She told me to give her 15 days, she needs to pull & listen to all the calls, which is tome consuming, I didn't understand why she couldn't unblock or transfer me over to someone who could do it. I'm so XXXX off, I've seen on the website going far back as 2-3 years with the same thing that I'm going through in XXXX. I end up calling my cell phone provider told them about my concerns which XXXX changed my number immediately. I went online today XX/XX/XXXX  to bank in order to update the new number and called Citibank to let them know I changed my phone number of course that didn't work at all period. Every time I called ask for a supervisor it's the same old excuse either in a meeting and I'll one call you back or no supervisor is available, this has been 4 out of 7 days no supervisor is available. I told them my next step is getting a lawyer, it's stressing me bad. I would like results like yesterday and a sincere apology, update their systems to the 20th Century and more importantly retrain agents on how to talk to members when they call on the phone, BE PROFESSIONAL AT ALL TIMES.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privancy and confidentiality under 15 U .S.C 1681. 

XXXX XXXX # XXXX XXXX # XXXX 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 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 follloowing 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 reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 information is inaccurate.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 information is inaccurate.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed ... DEPTEDXXXX XXXX.
Consumer complaint received 2023-04-20
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. (GA)

I reviewed my consumer file and there are several collections on my file that I have no knowledge to why they are reporting on my consumer file. This is Identity theft and I would like them removed immediately.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

AMENDED COMPLAINT : Just received vital information from my bank 's archives division proving this purported non-payment in XX/XX/XXXX. Please see attached. 

I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/XXXX, my loan account has been set up with an automatic payment of {$590.00}. In recent months in XXXX, an XXXX agent recently informed me that I'm almost {$1500.00} in arrears since XX/XX/XXXX. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, XXXX, permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is all my XXXX statements that shows I paid the initial XXXX payment with ample enough money in account to cover the full amount, in opposition to what IFS is stating. With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

After several attempts to rectify the problem to avail, A credit reporting agency Equifax continues to allow fraudulent information to be attached to my credit profile. XXXX XXXX, a car finance company closed my account on XXXX. After an allocated amount of time, a negative item is to be removed. The amount of time a negative item has to remain on a consumers credit profile is contingent upon the date of the last payment pursuant to the guidelines of the FAIR CREDIT REPORTING ACT. EQUIFAX continues to report payments being made to XXXX XXXX account as recently as XX/XX/2023 from myself which is blatantly inaccurate. The inaccurate information gives EQUIFAX the unfair ability to keep the item on my report for a longer term than is legally allowed. This negligent practice of inaccurate reporting has had an adverse effect on my ability to receive and sustain the the promises guaranteed under the Fair Credit Reporting Act.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

There is a banking app called " Chime '' that someone used my personal information to make their account. I can confirm they used their own phone number, but used my name and email. It is attached to their bank account and I get emails about payments and card declines regularly. Given this is fraud, and someone is using my identity- I've called Chime multiple times to have the account closed. They are either overseas and can not understand the request, or simply do not have the resources to investigate fraud of their own accounts. They have not helped me and do not know what to do so they hang up on me.
Consumer complaint received 2017-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MD)

I took out a loa n from My Rich Uncle i n  XXXX , which was taken over by Younomics. In  XXXX , I joined the  XXXX   XXXX . Pursuant to the Servicemembers '  Civil Relief Act, my lender should reduce my interest rate to no mo re than 6 % - they refuse to do so. I am currently being charged 10.75 %, and am still on  XXXX   XXXX . I have consulted my installation legal attorney, who suggested I file a complaint with the CFPB.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

XXXX   XXXX ,   XXXX   sent  7 pages of documentation to Synchrony Bank Creditor concerning 'Denial of Credit Card due to " Credit B ureau Report is NOT Accessible '. I requested from Synchrony best timing for me to 'temporarily remove the freeze on my   XXXX    cr edit bureau files ' -- which I 'm guessing was the reason for Credit Bureau Report  is  NOT Accessible '.      XXXX   XXXX ,   XXXX   receive an 'form letter ' response a 'standard ' letter that clearly indicated no one had even looked at the information I had sent ; but at least there was a phone number  XXXX  if I had more questions. Seeing my question had n't even been addressed at all in the 'standard ' letter Synchrony Bank had sent, at least I could talk to a real person. When a  XXXX  assumption of my part. That number leads to : " You just won a  XXXX  cruise, you just won a {$20.00} Visa card, you just won a  XXXX  ... ... Do n't say 'YES ( i.e., do n't hit #  XXXX  ) ' to select anything you just won and you are disconnected. Call same number back and " that phone number is not available in your area ''. ( The exact same phone number just called and the number provided by Synchrony Bank Customer Service Department.  XXXX  Bottom of their letter with 'bad ' phone number has #  XXXX ,  XXXX   XXXX   Guess  that is their code for 'sucker '!!!  Does  Amazon know what shysters they are dealing with?
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thomas George Associates, Ltd. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  and not insured. The other party 's insurance attorney Thomas George Associates mailed me a collection letter for the cost they are holding me responsible for totaling {$1600.00}. The company then reported a different amount owed to the Department of Transportation totaling {$3500.00} without ever sending me any explanation or proof of this balance. I emailed Thomas George Associates representative XXXX XXXX to send the proof of how the balance due jumped from XXXX to {$3500.00}. His response was that it was for paying rental car expenses to the other party and that the balance was now actually at {$3900.00}. Again, no proof or documentation was ever provided for the additional charges that have again spiked without explanation. This repair was completed in less than 7 days.The math is not mathing. I have email correspondence of my request for proof and of XXXX acknowledging my request yet never following through with sending what I requested.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX  ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently XXXX.
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Hello I checked my credit report and saw this particular debt collection agency reporting negative debt and realized I never received initial correspondence to be able to file a dispute. When I was able to speak with them on the phone they said they did not have to verify anything.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

In XX/XX/XXXX, I inadvertently deposited a check from XXXX XXXX XXXX XXXX XXXX XXXX and made payable to XXXX XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX and XXXX/XXXX ( {$2900.00} ) Dollars into my personal checking account with Capital One. 

I am the owner of XXXX XXXX, a Rhode Island XXXX XXXX XXXX. I inadvertently deposited the check into his personal Capital One account instead of his business account. Funds were not available at any point after the deposit and CapitalOne froze my account. I immediately called Capital One and was provided a case number. The case number is XXXX. I called customer service several times referencing the Case Number and was told they were investigating the issue. 

In XX/XX/XXXX, my account opening balance was XXXX XXXXXXXX XXXX  and XXXX/XXXX ( {$3000.00} ) Dollars ; however, on or before XX/XX/XXXX, Capital One withdrew all funds and the account balance was XXXX and XXXX/XXXX ( {$0.00} ) Dollars. The funds were not returned to me and my account was closed by Capital One. I called customer service referencing the Case Number again and was told by Capital One that they could no longer talk to me about it because my account was closed.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (TX)

I am currently rewriting my complaint with XXXXHARLEY DAVIDSON CR concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
XXXX/HARLEY DAVIDSON CR claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

From inception of the vehicles lease, BMWs finance company has been allowing XXXX of the XXXX family to unlawfully credit their account with XXXX. XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX  XXXX from XX/XX/XXXX. The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to The BMW Lease Trust XX/XX/XXXX Change of Terms Letter was registered mail to The BMW Lease Trust 1099a filing to the IRS and accepted.
Consumer complaint received 2023-11-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

My credit card bill {$47.00} was due on XX/XX/XXXX. I scheduled to pay in full through my XXXX XXXX app which automatically pushed it to XX/XX/XXXX since XX/XX/XXXX is on a Sunday.A payment of {$47.00} went through on XX/XX/XXXX. Today, XX/XX/XXXX, I received a bill of {$62.00} constituting two {$30.00} late fees and {$2.00} interest charge. I never received the XXXX credit late fee bill.