davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I have been a Citibank member for over twenty years and have had my CitiXXXX Checking Account Since XX/XX/XXXX At the XXXX Branch. 

On XX/XX/XXXX I noticed that over XXXX days, money had been taken from my Citibank XXXX account - a total of {$640.00} of Fraudulent Transactions. I called Citibank XXXX and the money was provisionally credited to my account. 

On XX/XX/XXXX I looked at my account and the money reimbursed was taken away. 

On the same day I went personally to the Bank and along with the Bank Manager called the XXXX Bank accounts. 
On the call we were told that case number XXXX was closed. 

I was asked if I knew XXXX XXXX who used the money to pay {$640.00} to pay a XXXX XXXX account. 
I replied NO, I DO Not Know her ( XXXX XXXX ) I was asked another question Did I give my routing Number to someone I answered NO, this money was stolen from me. 

On the call from the Bank phone we were told there would be a new Case investigation - Case XXXX. 
I was given over the phone a new Case number and was told I will be notified via email. l never was. 

I followed up with Citibank on XX/XX/XXXX to ask about the new Case Case XXXX. I was told the Case did not exist, my case was closed. 
A phone number for XXXX XXXX was included for follow up, for me to call XXXX XXXX. 
I called XXXX XXXX and was informed they only provide information to a XXXX XXXX. 

On XX/XX/XXXX I asked Citibank to put a stop payment confirmation to XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. This was done while on the call with CitiXXXX 

As of XX/XX/XXXX I have not been credited the {$640.00} to my CitiXXXX Checking account. I am waiting for that money to be reinstated. 

For Security purposes I have closed the old CitiXXXX Checking account ending on XXXX and opened a new CitiXXXX Checking account NO. ending in XXXX.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, Equifax, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

My family and I went to XXXX 's and spent {$53.00} the machine was not work and my card was ran 3 times. Causing XXXX transactions for {$53.00} and a charge of {$1.00}. At the restaurant the machine continued to say that the charge did not go through, so I paid in cash. On the back of the receipt the manager wrote Paid w/ XXXX  XXXX  XXXX swipe at XXXX XXXXXXXX {$1.00} charge fell off in pending. The XXXX charges of {$53.00} posted to my account. I Disputed the transaction with Wells Fargo on XX/XX/XXXX or XX/XX/XXXX. The XXXX charges of {$53.00} were placed back into my account XX/XX/XXXX. On XX/XX/XXXX the two charges of {$53.00} were taken back out of my account. When I called to see why the money was taken out, I was told I needed to send them a copy of my receipt, which I did. I was told that they are not able to see the receipt and I should go to a branch. The branch told me they would send it the same way I did. The escalation team called me saying they could not do anything for me. I was told that maybe I should take the receipt to XXXX to fax it to them. Wells Fargo is asking me to run all around town to do work for them instead of helping me get my money back.
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I pulled my credit report, after being released from the XXXX XXXX XXXX XXXX, Jail ; XX/XX/XXXX until XX/XX/XXXX, and I noticed many fraudulent notations on the report so I disputed online thru Experian.com the many fraudulent notations on my credit report, date XX/XX/XXXX, XXXX, report no : XXXX ; with Experian Credit Bureau XXXX XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX, XXXX. account XXXX, in the amount of {$460.00}, XXXX XXXX XXXX account XXXX, XXXX  XXXX XXXX account XXXX, in the amount of {$490.00}, and XXXX XXXX XXXX account XXXX, in the amount of {$300.00}, Experian never validated in of the information through me, but denied my complaint and relied sole on bias investigation in favor of the creditors to validate the fraudulent notations on my Credit Report .....
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XXXX of this year ( XXXX ) I discovered a check had been stolen from a XXXX Postal Service mailbox and {$2900.00} check was deposited into a Citizens Bank account without my consent. The check had been washed and re-written - only my signature was original. I immediately notified my bank, XXXX, and filed a claim. Since then, XXXX has done nothing to help me recover the funds other than sending demand letters to Citizens. I have received inaccurate information from XXXX Claims " Specialists '' on multiple occasions. For example - my claim was closed because Citizens did not respond. Then when I called, they said to disregard that information that it was still open. When I called to check on the status XX/XX/XXXX I was informed again that XXXX closed my claim because Citizens had not responded to them. It is my understanding that Citizens has a certain amount of time to respond and has failed to do so.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

Paypal Credit and Synchrony Bank have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (OH)

On the XX/XX/XXXX Consumer gave written notice to this company per 16 cfr 313.7. Attached is a copy of said notice. Also company clearly violated there own terms and conditions by sharing my information with non affiliated parties, which is a violation my privacy per~The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Consumer complaint received 2023-07-24
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: Navient Solutions, LLC. (WA)

I reported to XXXX and XXXX that Navient is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. Navient correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} Navient 's practices are deceitful and dishonest. Navient is making it sound as if this {$29000.00} took 29 years to pay off and its harming my credit score.
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MI)

On XX/XX/XXXX a debt collection was added to my credit report which significantly affected my XXXX XXXX. The company Phoenix Financial XXXX is claiming a debt of {$740.00} for which I never received a written bill, statement or proof of services. They are claiming this was from an ambulance use back in XXXX and 4 years later they are claiming this amount is owed, even when I have not received any written bills since then. I also had medical insurance through XXXX XXXX at the time which would have notified me if I owed any out-of-pocket amounts for medical bills, but no company notified me of any debts in writing. I attempted to ask for written proof of this amount owed to the debt collection company and I was yelled at - the representative said that I needed to pay over the phone right there and then while raising his voice. I said I needed to see a written bill before providing any financial information over the phone. I think this debt has been unfairly added to my credit report and it is violating my rights as a consumer according to the FDCPA due to failure to validate debt.
Consumer complaint received 2023-08-07
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-01-04
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)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC. (OH)

On XX/XX/2023 I called Chrysler Capital to report a XXXX XXXX Payment towards the balance of my car loan. The payment made was for {$1200.00}. I spoke to agent by the name of XXXX. XXXX provided that her XXXX Employee Agent Number was XXXX. I provided her with the XXXX XXXX reference number that is required a XXXX XXXX payment is completed. Up to date the payment I made of {$1200.00} has not been posted on my account towards my car loan. Today, XX/XX/2023, I called back to follow-up on why the payment has still not posted on my car loan. The first agent I spoke with stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and hang up on me. I called back and get a different agent. The agent stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me, other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay them. I requested to speak to a Supervisor. The supervisor stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. XXXX provided that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay Chrysler Capital. XXXX further provided that XXXX XXXX reference number for the payment I made of {$1200.00} on XX/XX/2023 was not sufficient enough information which is the opposite of Chrysler Capital expectations that specifically states on their website that to be sure** to call Chrysler Capital at ( XXXX ) XXXX with your reference number or master transfer control number once you have completed the payment process. ** My issue remains unresolved.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

I Am a natural man and consumer. I was impacted by the so called 2017 XXXX data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to XXXX, XXXX XXXX, and Experian. XXXX XXXX has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and wilfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, XXXX XXXX is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? Experian continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS. FCRA 605B ( 15 USC 1681c-2. XXXX and Experian continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit reporting agencies.
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (PA)

-I have a line of credit with Goldman Sachs Bank USA . 
-I initiated a draw but it was denied.

-It was rejected and I was told the reason is " Level of delinquency on accounts for one or more guarantors '' -I requested on where to get a credit report to show what is delinquent, as I have checked my credit and do not show any negative marks. 
-Goldman Sachs then said to reach out to XXXX XXXX XXXX 
-I requested the business credit report from XXXX XXXX XXXX However it was not sent and I was told " Currently a business credit report is sent only to companies whose files have been accessed by XXXX XXXX XXXX XXXX members. However, we are unable to determine that a report for the company noted in your request has recently been generated for review. '' -I was denied a draw on my line of credit but they have not provided me a specific reason ( s ) for denying your credit application.

-Goldman Sachs has not given me my credit score and the credit reporting agencies that provided the information.

-Goldman Sachs has not provided me free copy of your credit report from each of the credit reporting agencies.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This debt was settled in front of a judge on XX/XX/. Bank of America made me a settlement offer and I paid it. The company continues to report this as a derogatory public record with a past due balance. This is causing me continued injury and hardship.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (PA)

A 1099c discharge was made to XXXX XXXX ( The original creditor ). Jefferson Capital Systems took over the account claiming the account is charged off for {$920.00}. If this is a certificate of indebtness, that is now considered income and must be removed, I am not sure why this is still on my credit reports according to 15usc 6802. 

XXXX, XXXX, and XXXX are all reporting the debt.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report under the name Columbia Debt Recovery. The account details are as follows : Date Opened : XX/XX/year> Amount : {$3100.00} I would like to state unequivocally that I have never done business with nor have I operated with Columbia Debt Recovery. This account is not mine, and I believe it has been reported in error. 

Please investigate this matter promptly and remove this incorrect information from my credit report. I am prepared to provide any additional information needed to resolve this issue. 

Furthermore, Columbia Debt Recovery has wrongfully called to harass and threaten me several times regarding this account. These calls have been distressing and unwarranted given that I have no affiliation with this company or the debt in question. 

Please investigate this matter promptly and remove this incorrect information from my credit report. I am prepared to provide any additional information needed to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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. (PA)

Fraudulent accounts appearing on credit report. XXXX. XXXX XXXX {$940.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$24000.00} XXXX. XXXX XXXX {$1100.00}