davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I have a Citibank Costco credit card and I am set up for autopay full balance every month and have never had an issue until last month. For some reason there was a problem with the autopay and for some reason it did not go through right away but eventually did, there was plenty of funds in my account to cover the debit. I was charged a return check fee ( no checks were involved ) and interest. I contacted the bank VIA their chat service and was told I would be credited the interest and fee. The next bill came and the interest was credited but the fee was not and more interest was charged despite being on autopay for full balance. I contacted bank again and this time I was told nothing can be done. I won't go hungry because of a {$30.00} fee and {$20.00} in interest, but the bank is not entitled to this money and if they continue to charge fees and interest they are not owed it is abuse especially as I am a XXXX citizen.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

On XX/XX/XXXX i started a Dispute for a transaction with XXXX XXXX XX/XX/XXXX my dispute was denied.The reason why I started this dispute was because I returned back the merchandise ( XXXX phones ) back to XXXX using the return label they provided me.After a week of sending back the items i was told by XXXX that the warehouse was not willing to accept my package and that the XXXX return warehouse would have to contact me to confirm that i was attempting to send back the XXXX.I contacted them via XXXX XXXX about this issue and its been over XXXX weeks from now since they have ever contacted me about this issue.Hence is why Im making this complaint to further explain why Im re attempting to start this dispute.I will provide pictures of the package showing up as pending and show a screenshot of the last time XXXX has attempted to contact me about this issue.
Consumer complaint received 2024-07-11
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: WELLS FARGO & COMPANY (CA)

XX/XX/2024 as Final Notice XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX Wells Fargo Bank ( Attention : Fraud Claims Department ) Personal Lines and Loans ( XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX North Carolina XXXX XXXX : Wells Fargo Bank Account XXXX XXXX Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the U.S. law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim Specialist to me due to my on-going case with the U. S. Department of Justice ( DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
Wells Fargo Bank Account # XXXX, {$100000.00} ( C/O ) I request that Wells Fargo Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]
Consumer complaint received 2023-12-13
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. (CT)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OH)

I sent certified mail to CITI in regards to my acct # XXXX making them aware that they are violating my consumer rights to privacy according to 15 USC 6802. A financial institution may not disclose non public personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. I would like CITI to stop sharing my non public information as I am exercising my non disclosure option that was never given to me by them. They refused to comply with this title and ignored the contents of my certified letter that was sent on XX/XX/2024.
Consumer complaint received 2023-12-13
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. (MN)

Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify those accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2018-11-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Pacific Credit Exchange Corporation (CA)

Hi, so this is a complaint that I have with this loan. I don't feel 100 percent responsible due to the people and agreement i agreed to. I turned in a very nice great running XXXX SUV, for what i feel was a complete lemon car.

I had the car for 1 week and it broke down. I told the guy at the dealership off XXXX XXXX that if the car was no good Dont sell it to me because i will not pay for it, i understand this isn't The right way to go about things but my word is all i have. I don't feel responsible for paying on a car that only worked for a week, and then got sold for nothing.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Advance America, Cash Advance Centers, Inc. (TX)

Collection Agency XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name Advance America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : # # # # # # # # # # # # XXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Consumer complaint received 2024-07-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (OR)

This has been going on for over two years. I have been harassed with phone calls emails from them hiding under other emails after cease and desist over and over They even created an email account pretending to be my cousin, not knowing that the famous quarterback was my cousin trying to get in contact with me, send me Scam emails that trace back to them. I can prove all of this. I have asked them to cease and assist several times and only communicate with Me via Postal Service as I want proof of this debt because I dont believe I owe it.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

Im very concerned about this late payment since my payment history is always on time. Please correct this mistake and remove it from my account. 
XXXX XXXX XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, US DEPT ED, US DEPT ED, DPEDNXXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (TX)

I recently received a total of XXXX online savings account statements ( all different account numbers ) for the month of XX/XX/year>. The statements have my former maiden name listed on them with my current address. I never have done business with this company and did not open an online savings account with them especially in a name that is no longer used since I have been married for over 10 years. This is very alarming and suspicious as to how an account could be opened without properly verifying the individual 's information.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

I have my social security check sent to chime bank account. I have tried for 3 days to move some of my money from that bank and I still have no money. I have done everything I know how to do. They have denied payment on any successful transaction. I have been doing this at lest 12 hours a day for 3 days. I have had some problems with this bank every month for the last 4 months
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

XXXX was taken from my account on cash app I called them instantly and said I did not authorize it to be sent and did not know this person and they have done nothing for 6 days now that person has been running around free time blow all my money instead of putting a hold on it till they investigate like they should have but is obvious I did not want them to have it I even called police and nothing done
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX  before in my life.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Discrepancies and Errors in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies and errors I have discovered in my credit reports from XXXX, XXXX, and TransUnion. As a consumer, I understand that the law requires accurate reporting, and I kindly request that you take immediate action to correct these inaccuracies. 

Below, I have outlined the discrepancies I found in my credit reports : Credit 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is evident that there are inconsistencies in the way my name is listed across the credit reports. The correct and accurate information is XXXX XXXX XXXX XXXX  I kindly request that you rectify this error by removing any variations and ensuring that my name is consistently reported as XXXX XXXX XXXX XXXX across all credit bureaus. 

Additionally, I have noticed that my date of birth is reported differently on the XXXX credit report. The correct date of birth is XXXX XXXX XXXX I kindly request that you update the XXXX credit report to reflect the accurate date of birth. 

Furthermore, I would appreciate it if you could conduct a thorough review of my credit reports to identify any other discrepancies or errors that may exist. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I trust that you will handle this matter promptly and efficiently. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute. Therefore, I kindly request that you complete your investigation and provide me with written confirmation of the corrections made to my credit reports. 

Please find enclosed copies of my identification documents, including my driver 's license and Social Security card, for your reference and verification purposes. 

I appreciate your attention to this matter and look forward to receiving written confirmation of the corrections made to my credit reports. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX XXXX XXXX XXXX XXXX. 

Thank you for your prompt assistance and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-27
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: EQUIFAX, INC. (CT)

XXXX, Equifax and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MA)

My federal student loan servicer Mohela sent me a notice dated XX/XX/2023 that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Consumer complaint received 2023-11-07
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. (MD)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2023
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Sayer Law Group, P.C. (NY)

On XX/XX/ I received mail from Sayer Law Group, PC a debt collector stating I owe a debt ( account number XXXX ) which is a violation under 15 USC 1692b ( 2 ). Sayer Law Group, PC is in violation 15 USC 1681 ( b ) infringing on my rights to privacy. Sayer Law Group, PC is in violation 15 USC 1692e ( 10 ) by using false representation and deceptive means to coerce payment of alleged debt. Sayer Law Group, PC use profane and obscene language stating the word owe and stating the word debt, which is a violation under 15 USC 1692d ( 2 ). Sayer Law Group, PC is in violation by using deceptive forms 15 USC 1692j to collect alleged debt. Sayer Law Group, PC is in violation of 15 USC 1692f ( 8 ) by using symbol on envelope by their address.