davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NV)

made a balance transfer of {$7000.00} from citibank to pay for XXXX XXXX XXXX transaction was confirmed by citibank that they transferred the money to XXXX XXXX on XX/XX/XXXX, XXXX but the money was never credited on my XXXX account. i made the balance transfer via citibank app online using my cellphone. when i called citibank to verify the account number from XXXX, they said they have a different last XXXX of the account from XXXX XXXX. i made calls and correction multiple times but they also insisted that they have already transferred the money to XXXX XXXX. i called XXXX XXXX but they said they can not provide any solution to the problem because it was citibank 's fault. this has been going on for months. citibank already charged me for {$7000.00}, a money i do not owe citibank coz i didnt received any money/payment for my XXXX credit card. i can no longer count how many times i called citibank to just cancel the bank transfer but they declined. they said they can not retract a money that is already sent. few days ago, a citibank account manager set a conference call with XXXX XXXX  during the conversation, XXXX XXXX stated they did not received any money from citibank for my credit card in XXXX XXXX citibank kept on telling me and the XXXX XXXX representative that they have customer id number and trace id number. citibank also requested XXXX XXXX to conduct and investigation where the money go. but XXXX XXXX refused to conduct and investigation and refused to take the customer id and trace id number. i dont know what to do anymore with this situation. citibank refusing to remove the {$7000.00} that they charged me and XXXX XXXX is refusing to conduct an investigation re this matter. please help me.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IA)

Citibank NA Fraud Department placed a hard hold on my account for no reason. They refuse to service my account over the phone. I have escalated my concerns to the Citibank Executive Response Team and they also refused to assist. 

Since I was abroad Citibank refused to allow me access to funds. I have received several XXXX transfers from family for expenses thus not being able to access funds ( last XXXX transfer ). Citibank deliberately blocked my acces to my account. 

They discriminated against me because of national origin, XXXX XXXX  and gender. My debit card was blocked by the fraud department over XXXX times since Ive been abroad. Ive been abroad for over 5 months. They claim they need to speak with the account holder thus being myself. I am the only authorized signer on the account.
Consumer complaint received 2023-09-07
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. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 

XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these iTEMS : XXXXXXXX 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 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 XXXXXXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my age and XXXX it will be more efficient. This is a violation of my rights. I feel like Transunion is purposely trying to hinder consumers from getting their transunion credit reports online. I have been fighting this issue for almost a year now. And I have called them several times. It allows me to login after the code is sent to my email but then it stops after that. 
I have attached my Drivers License and SSN card for identity verification so there should be no issues at all.
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Provide me with an update on your investigation into the fraud that occured with my stolen check that was cashed at your bank, my original complaint XXXX I am also requesting all documentation related to this fraud complaint. You need to provide me with the protocol that was followed by your bank when accepting the fraudulent check. 

You are supposed to give me a written explanation of what you found, and you have not provided any information to me. I have a right to request the documents you are relying on during this investigation.
Consumer complaint received 2023-11-27
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: Resurgent Capital Services L.P. (NC)

I sent a certified letter to LVNV Funding LLC to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. LVNV did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and XXXX reports. I sent certified letters to both XXXX and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

On the morning of  X/XX/17    I was held at  XXXX  point and robbed of my wallet and phone. The people who took my wallet ended up stealing {$3200.00} at a store. They confirmed that {$480.00} was fraud and refunded my money but the transactions ( {$2700.00}  ) th at took place after this transaction was denied. They refuse to give the remaining money back even though these transactions took place after the {$480.00} transaction. The robbers also stole {$1000.00} from the ATM. They have been inconsistence with their reasoning as to why it is being denied. Their last response was n't that the {$480.00} was refunded because it was under {$500.00} ; however, the other transactions, other than  XXXX , are all under {$500.00} as well. This company also had false reports on their account as to when I reported it then another employee said that report was n't there. They also said I called in a claim that their employee actually called me about and they had false notes on the claim. They also will not pull any images to prove that it was not me. Please see the attached images for the fraud transactions. They also have told me that I need to contact  XXXX  where the transactions took place yet they can not tell me where it took place for me to contact them.
Consumer complaint received 2024-03-15
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. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gusdorf Law Firm, LLC (MO)

Gusdorf Law Firm manages delinquent accounts and debt collections for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX, following a XXXX case that was settled, Gusdorf defrauded me of {$1400.00} in overcharges and excess garnishments. When I advised XXXX XXXX of Gusdorf Law Firm of the fraud and presented evidence of merit in support the claim, they pursued me for outstanding XXXX  debt I did not owe and used the Civil Court to perpetrate and cover up the fraud. A judgment, against the weight of the evidence, was entered against me in XXXX case, and the case is currently on appeal with the XXXX XXXX XXXX XXXX XXXX and the judgment is stayed.. 

In XX/XX/XXXX, Gusdorf Law Firm ( on behalf of XXXX ) involved themselves in a real estate transaction for the sale of my home. Not only was a XXXX XXXX XXXX ( 0.75 % interest monthly or 9 % annum ) attached to the property, but Gusdorf advised the title company that two additional liens existed on the property for both Case XXXX XXXX and the current Case XXXX XXXX that is on appeal. See attached settlement letter filed by Gusdorf on XXXX XXXX XXXX and the lien statement provided to XXXX XXXX XXXX did not exist on the property for either of the cases, and this fact is consistent with the title report and findings of the title company AND property records obtained from the Recorder of Deeds. 

The three ficticious liens included lien terms, policies, and conditions ( challenging title and ownership of the property into the future ), which I was required to approve in order to sell my property. It is my opinion, the interference and illegal actions of Gusdorf Law Firm were attempts to gain strategic advantage in the XXXX case that is currently on appeal and divert and/or possibly steal the proceeds of the sale. 

The illegal actions of Gusdorf Law Firm caused a breach, and the sale was terminated due to FRAUD.
Consumer complaint received 2017-05-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my credit score has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

CAPITAL ONE BANK USA XXXX I am NOT late on XX/XX/2023. 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 CAPITAL ONE BANK USA customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Consumer complaint received 2023-10-12
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)

They are report inaccurate information and violating my privacy rights. On top of that I never gave consent to anyone to share my personal information with anyone or my transactions. Not only that I have sent numerous letters in to resolve this matter but no one has sent me the information that I requested. My last dispute was XXXX XXXX and they never replied back or sent the information I requested.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (WV)

I want AMEX to set up a new username and password for me or to provide me with my existing login credentials so that I can access my AMEX XXXX XXXX XXXX account ending in XXXX. My login credentials to my savings account are apparently no longer valid. AMEXs website states that savings customers without an AMEX card need to create new AMEX login credentials to access savings accounts. Please see the attached XXXX I currently do not have an American Express credit card, as I closed my card in XXXX of XXXX. I do not remember my login credentials for my closed credit card. When I click on create Amex User Id & password for savings on the attached webpage and provide my social security number and date of birth, the AMEX website states Existing Login Found. Our records indicate that you already have an Amex login, please log in to access your Savings account. I do not know these credentials. My AMEX savings login credentials do not work when I attempt to login. When I try to reset my user id and password, the XXXX website states We are unable to process your request. Were sorry. Our systems are temporarily unavailable. Please try again later. I called AMEX twice on XX/XX/XXXX, over this issue. One representative from the AMEX credit card department advised me that my closed AMEX credit card is not linked to any login credentials. Another representative from the savings account department advised me that she was unable to access my username. We attempted to reset my login credentials several times. I am highly disappointed in AMEX. I can not tell you how frustrating it is to be unable to access a bank statement. This is particularly so when I received an email from AMEX stating that a bank statement was available. Please see the attached XXXX of the email. I have had this AMEX XXXX XXXX XXXX Account since XXXX. I have over {$26000.00} in this account. I have spent HOURS dealing with this. If this issue is not rectified forthwith, I will take my business elsewhere.
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with Transunion and XXXX and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : 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 2023-06-11
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: Rent Recovery Solutions (GA)

RENTRECOVERYSOLUTIONS Is reporting a credit balance to my account that does not belong to me. The amount is {$1700.00}. I have contacted the collection company and advised that the debit does not belong to me. Ive also sent in copies of my social security card and they refuse to remove the collection from my report.
Consumer complaint received 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OR)

Aidvantage has incorrectly calculated my monthly loan payment, increasing it from XXXX  XXXX prior to the freeze, to now XXXX XXXXXXXX with XXXX explanation. My income has not significantly changed. Additionally, they have been completely unavailable to get ahold of and I havent been able to connect to anyone to find a solution or exit the Income Based Repayment plan.
Consumer complaint received 2022-12-20
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To XXXX XXXX : Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Auto Loan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job due to being XXXX XXXX XXXX resulting in my husband having to take a leave of absence from his own job to take care of our XXXX children while I was XXXX  in the XXXX XXXX XXXX XXXX  weeks. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my XXXX, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
I exchange, I am willing to sign up for auto pay so that there is less of a chance of ever being late again! 
Thank you for your consideration. Have a blessed day! 
XXXX XXXX XXXX XXXX