davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

CITIBANK executive staff member, " XXXX '' told me on a XX/XX/XXXX phone conversation that she was going to next day air my funds from a closed account, including interest. She specifically told that only " because of the weekend, '' that it could be Monday, rather than Saturday XXXX XXXX XXXX XXXX XXXX  She told me that the CALL WAS BEING RECORDED, and yet, she never told me, ever, despite very diligent and clear conversations we had ( all of which will be evident on the audio recording ) what she wrote in the letter on my previous complaint, " we submitted your account closure request and were advised that it is currently taking 10-15 business days to complete the closure and receive the check by mail. Unfortunately, expedited requests are not being accepted at this time. '' She lied to me, and never followed up with a phone call, E-mail, or other notification noting this apparent change. I have filed a second police report, and have contacted my local media outlet for advocacy. I was promised my funds from the closed account on the latest, Monday, XX/XX/XXXX, and was lied to. 

Again, the funds are not in my possession and I consider them missing or stolen by CITIBANK. This has been the case for weeks now and I am asking for the CFPB 's critical and urgent assistance with my theft
Consumer complaint received 2023-11-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (GA)

I talked to XXXX XXXX  told me I would have to write to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am trying to get a bank card, I paid off my balanced, my business account needs to get made in the future for XXXX XXXX  deposits. I will not continue to use Citi or make an account for my business unless I can get a simple card. 

So Citi apparently requires use of XXXX according to XXXX XXXX, I ordered the second card on XX/XX/XXXX, I ordered the first card on XX/XX/XXXX, I have complained to CFPB before and been acknowledged by Citi executive office that they would not send XXXX to comply with their fiduciary duty. 


Very tired of games from Citi
Consumer complaint received 2023-05-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

See Attached document. 
Payment was tendered, not returned, not credited to account and breach of private contract. Private trust property is being foreclosed on, I am the beneficiary of a decedent estate and there is an on going probate case.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (CA)

I never use my card XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my new prepaid card came doesn't have my money I am so XXXX and mad I want my money back in my account a number that they have on my records on this account that ain't supposed to be on there my new number is XXXX I don't have that number that y'all have our record I don't even know where the XXXX   that came from I want my money and I want it now please
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

around XX/XX/2017, Bank of America closed my checking account and forfeited my account claiming that the money was not mine. Talked to the bank several times and they have declined to tell me what happened, with no cooperation form the bank.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I received a billing statement showing a charge of {$23.00} on XX/XX/XXXX. I then called the credit card company, explained that I would like more information on who submitted this charge. They said they would investigate it and contact me. We talked on the phone a few times, I can't make it any simpler, WHAT COMPANY SUBMITTED THOS CHARGE? 
They would not answer me, then sent me a letter dated XX/XX/XXXX saying they are investigating. Additional phone calls show they don't know what they are doing. 
I sent a letter to them on XX/XX/XXXX. They would call me, leave messages to call their main number with any questions. I can't keep playing this game. 
On XX/XX/XXXX they sent me another letter with a bunch of runaround and inaccurate information, saying I have not stated what I would like to do, and suggested that I contact the merchant. I DON'T KNOW WHO THE MERCHANT IS!!!
Consumer complaint received 2024-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to XXXX XXXX XXXX XXXX XXXX NOW!
Consumer complaint received 2023-09-27
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: ALLY FINANCIAL INC. (TX)

A credit card with ALLY CREDIT CARD/CWS was applied for in my name without my consent or knowledge. On XX/XX/2023, I contacted ALLY and XXXX about removing this inquiry from my credit report. On XX/XX/2023 XXXX informs me that the credit inquiry is accurate and will remain on my credit report. I would like to have this ALLY credit card inquiry removed from my credit report as well as have the account terminated.
Consumer complaint received 2023-09-27
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-27
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. (AZ)

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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG 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 2023-04-21
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. (NC)

XXXX XXXX in the amount of {$830.00} I have tried to resolve this issue several times with no good results they aren't willing to help do anything this is stopping me from getting a home for my family. which is very important to me and stopping me from getting reliable car. according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Consumer complaint received 2023-09-27
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SoLo Funds Inc. (WI)

The company did an upgrade to there system and ever since I have not been able to withdraw or even see the funds that are in the account as of now there is around XXXX that I do not have access to I have been going through this going on to weeks now.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$330.00} ; XXXX XXXX XXXX XXXX XXXX  : {$530.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Jefferson Capital violated Regulation F by not sending me any notification before reporting on my consumer report. There is a total of {$6500.00} being reported on my account that I do not owe Jefferson Capital. I have never received any notice about this alleged debt therefore was not able to properly dispute it. As of XX/XX/2021, debt collectors are required to communicate with the consumer about a debt before reporting it to any consumer reporting agency. I never received this notice and as a result I am possibly facing extreme financial injury. I am in the middle of purchasing a home, and my lender just notified me that they can no longer approve me for the home due to this new collection on my report. However, there may still be a chance for me to be able to purchase this home if this debt is removed immediately, as I was scheduled to close in 8 days. This is my home that I have for my household. In the event that Jefferson Capital, does not remove the debt immediately and I am not able to close on my home, I may seek legal assistance to pursue damages under the FDCPA that include statutory damages, monetary damages, damages for emotional and physical distress and more. Thank you for your quick attention to this matter.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (NJ)

I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have information showing on my credit bureaus saying I have delinquent accounts that I included in a bankruptcy. I filed a bankruptcy in XX/XX/XXXX and it was fully satisfied and completed by XX/XX/XXXX. I will list out the mistakes that need to be corrected. 

XXXX ) credit card XXXX XXXX XXXX  claiming I was delinquent XX/XX/XXXX. This account was never delinquent. I am guessing they decided to report me delinquent since I filed bankruptcy. As you can see from Equifax, the account had a XXXX balance, nothing owed. 

XXXX ) XXXX XXXX XXXX claiming I was delinquent XX/XX/XXXX. This account was never delinquent. It was paid fully as agreed and had a XXXX balance at the time of my bankruptcy filing. 

XXXX ) XXXX XXXX claiming i was delinquent XXXX and XX/XX/XXXX. This was a home equity loan that I paid in full and never had a single late payment. 

XXXX ) XXXX XXXX claiming I was delinquent on my auto loan XX/XX/XXXX. This account was all ready paid in full with XXXX balance. ( XXXX XXXX and XXXX XXXX are related ) I flied bankruptcy because I had no choice. I had a business partner who cleaned out our business account and ran off with {$400000.00} and left me on the hook to pay bills with no funds or income. I used what remaining savings I had left to make sure my creditors were paid on time, so I take it very personally that these creditors are reporting wrong information about me. I did have a few accounts that became delinquent that I did include in the bankruptcy, but NONE of those accounts are the XXXX listed above. Those XXXX above were paid PERFECTLY. I have not received any PROOF from the creditors documenting my late payments/delinquencies. I was under the impression from Equifax that if the creditors could not provide solid proof of the delinquency, that they were required to correct my report. Equifax did not get this proof from the creditors and simply sent we a response saying that the creditors say the info is correct. Filing bankruptcy was a low point in my life and I fought very hard to not have to go that path. At the very least, I expect the creditors that I paid perfectly to honor their obligation and report my payment history correctly. I feel they are taking advantage of my bankruptcy and " piling on '' to cause damage to me. I request that the CFPB hold them accountable for the damages they have caused me and force them to correct the credit reports at all 3 major bureaus. Thank you!