davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/2021, I reached out to a lady who provided me the name of " XXXX XXXX XXXX '' who I saw on a group on XXXX advertising that she was a XXXX reseller. She was very attentive and responded back to all my messages in a timely manner, so i figured she was reliable and since others were confirming her work I ended up purchasing XXXX custom XXXX XXXX from her that came up to the total of XXXX through my bank via XXXX. I reached out to her via text from the number she provided to confirm her name and info since the name she provided was different from the name I was seeing on XXXX. She told me that she went by her middle name and everything was fine, I didn't think anything of it since I myself go by my middle name. I sent the money. In the days following, she still kept in communication with me via XXXX telling me she was getting started on them and that she would keep me updated. On XX/XX/XXXX she wrote me saying that there was a delay in one of my shoes and asked me if I minded waiting for all of them to be shipped out at once verses her making two separate shipments, and I agreed. On XX/XX/XXXX, I saw she was selling some more Nikes and decided to purchase those as well, so I made another purchase for 5 more shoes totaling XXXX through XXXX again. She confirmed the funds yet again and said she would send them as soon as she could. During this entire time we had been in constant communication via XXXX messages and text message. By XX/XX/XXXX I realized I had heard nothing from her about the first order nor the second so I messaged her, no response. On XX/XX/XXXX I texted the number that I had for her Asking what was going on because I hadn't heard from her still, no response. On XX/XX/XXXX I texted her again saying If I didn't hear back from her I would dispute the charges with XXXX thru my bank, yet again no response. Eventually, I reached out to my bank in an attempt to dispute the charges since I realized the lady XXXX XXXX XXXX was a fraud, only for them to tell me they don't refund those charges. I was unaware that, that money wouldn't be covered by my bank even though it was clear I was scammed out of my money. Navy Federal still declined to open up a case for those funds even though I told them I could provide the necessary proof to show I had been scammed. I am out of XXXX from a woman who portrayed herself to be a shoe salesman. I attempted to file a police report against this woman but have since been blocked on XXXX and no longer have a picture of her, nor did I have the original XXXX messages so they advised the only thing I could do was file a complaint. I do still however have our text messages to show the message exchange we've had for proof.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Talbot, Adams, & Moore, Inc. (TX)

On   XXXX     debt collector called, when I returned the call the I requested written documentation. She stated it had been sent when I informed her I did not have that she told me she does not have to send it out. Spoke to supervisor who told me that since it had not been returned they automatically assume the document has been received. When I requested another copy sent because I have not received it the supervisor informed me they do not have to send another one and that o can go to a branch to pay what is owed. I informed him that I live  XXXX  hours and would like documentation that I will have the ability to show the debt has been paid and he stated they do have to send anything once it 's already been sent.
Consumer complaint received 2023-06-29
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As of XX/XX/XXXX, I have paid off any delinquent accounts as per my transunion and XXXX  credit reports. Furthermore as of XX/XX/XXXX I have paid on time : mortgage, wi-fi, utilities, phone. As of XXXX I have bank loans, PPP loans and grants from the DC government. Yet ny score which was at XXXX has been pulled down to XXXX. 

This adverse situation during Covid has impacted my ability to apply and buy property as jobs with salary of {$100000.00} plus would require a credit score of XXXX plus.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

Complaint is in regard to Citibank XXXX XXXX XXXXXXXX ) credit card interest assessment. 

A balance of {$12000.00} ( APR 22.99 % ) which was due on XX/XX/2023 was paid in full, but two days late ( paid on XX/XX/2023 ), and was therefore correctly assessed an interest charge of {$360.00} on the following statement. 

The following statement balance, including the {$360.00} interest charge assessed, was {$11000.00} and was due on XX/XX/2023. This statement balance was paid in full on XX/XX/2023, six days before the due date. 

After paying the previous balance and interest in full prior to the due date, the current statement included an interest charge of {$310.00}. When I contacted Citibank to question how interest could be assessed on a balance that was paid in full and on time the previous month, they indicated that it takes two months for a late payment to stop accruing interest, regardless of a timely payment in full after the initial interest assessment. 

Upon request for a letter stating this banking practice and policy of Citibank, I was informed that they could not provide a letter, and that Citibank was within their legal rights to assess interest in this manner. This is not a banking practice that I am familiar with and defeats the purpose of preventing additional interest charges by paying the amount due, in full, prior to the due date. 

For convenience, I use my credit card for all personal transactions, and pay the balance off every month. I do understand the ramifications of a late payment in regard to interest assessed, but assessing an almost identical interest for two months in a row on a paid in full and on time balance doesn't seem to fit any model for consumer protection. 

Can provide detailed documentation upon request through secure link, but prefer not to attach below as part of this submission.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (GA)

I am absolutely disappointed and annoyed with Chime. They have stolen over XXXX from me and they never want to refund my money or let me file a dispute. They closed my account and didn't even contact me or let me say my peace as of why my account was closed. I lost money late on bills etc. I wouldn't advise the bank to anyone. I have more evidence etc. 
There's more to the story. I even had to call the police out and filed a police report.
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

in accordance with the Fair Credit Reporting act IC SYSTEM # XXXX has violated my rights. 
15USC 1681 section 602 A States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instrutions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (KS)

We leased our XXXX XXXX XXXX on XX/XX/XXXX. We included a maintenance agreement in the terms of our lease for {$750.00}. Shortly thereafter, we moved across town, making it very inconvenient to return to XXXX XXXXXXXX in XXXX to obtain the service provided for in the maintenance agreement. Accordingly, I cancelled the maintenance agreement on XX/XX/XXXX. 

XXXX XXXXXXXX financing personnel explained to me that the remaining balance on the maintenance agreement would be applied to unpaid lease payments which would result in paying off the lease agreement earlier than originally scheduled. 

I have received no indication from either XXXX XXXXXXXX or XXXX XXXX XXXX regarding the new date by which the lease agreement would be paid off, so I am requesting that information now. 

Today, I am making my fourth request for this information. I have explained to Hyundai XXXX XXXX that I will be withholding further payments until I have received this information.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-07-07
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: Bread Financial Holdings, Inc. (FL)

review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft N/A Account Number : XXXX This is not mine. 

4. Identity Theft N/A Account Number : XXXX This is not mine. 

5. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I closed my secured Citi card ( # XXXX ) and was advised that it would take three weeks for the refund to process back to my account, after which I would receive a paper check. I called in last week on XXXX and was informed that this was the date ( XXXX ) that i would receive the money back.

However, I called in today and was informed by another rep that it would take upwards of 2 business cycles and 60 days to receive the funds back, despite assurances from a previous rep and supervisor that I would receive it on XX/XX/XXXX. Now I am concerned that my funds are being fraudulently withheld by Citi Bank.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXXXXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXXXXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

On XX/XX/21 I sent a debt validation letter to National Credit Systems certified mail. They had 30 days to respond and I never received anything. They couldn't validate the debt so I demand that this account is deleted of all credit reports. 
Pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. I was in a consumer credit transaction and I am the original creditor. As the original creditor I do not validate this debt.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF THE WEST (CA)

Here 's our problem : We refinanced our RV with Bank of the West in XXXX of this year. Bank of the West, as of this date, has yet to send the title for our RV to the California DMV and as a result the California DMV has not sent us our XXXX registration and plate tags, which were due back on XX/XX/XXXX. 

Here 's the chronology : We paid the California DMV for the registration fees of {$950.00} on XX/XX/XXXX, the California DMV cashed our check on XX/XX/XXXX. 

We received a letter from Bank of the West on XX/XX/XXXX indicating we hadnt paid the registration fees. 

We received a notice from the California DMV on XX/XX/XXXX informing us they didnt have the title to our RV and couldnt complete our registration for XXXX. 

We have called Bank of the West to complain about this numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. We sent them a letter outlining the problem after our first call on XX/XX/XXXX and sent it next next day delivery on XX/XX/XXXX, XXXX tracking confirmed delivery on XX/XX/XXXX. 

They have told us each time we have called that a manager would get back to us in 24 to 48 hours with an update. No one from Bank of the West has called us with an update or solution, forcing us to call them each time and go through the problem again. 

Bank of the West has given us nothing but a runaround with still no solution in sight and our RV still does not have current registration and plate tags for XXXX.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (NJ)

I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (PA)

Eppicard of PA has numerous consumer complaints and ABSOLUTELY NOTHING IS BEING DONE!! I HAVE charges months ago I didn't make or know about and several other people are saying the same thing! 
I even escalated it to a supervisor and promised I would get a call in 48hrs and of course I didn't which was 3wks ago.

I called back 2wks ago and all they did was apologize but still didn't help.

I need to take out my money now because for so many people with the same issue, something is very wrong and I think its embezzlement but something needs to be done now!
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

Hello, I am in need of assistance with an issue my husband and I are experiencing with Citibank. On XX/XX/XXXX, I attempted to use my debit card and it did not work. I contacted Citibank and was informed that they had blocked my account and scheduled it to be closed due to a check that was deposited that bounced. At no time was my account in a negative balance due to this check. My husbands direct deposit of {$4100.00} was also deposited and we were not able to access it. Ive spoken to Citibank several times and it seems that our account is in limbo. We are not getting any resolution and we are unable to access several thousands of dollars that we need to pay our mortgage, car payments, and to feed our XXXX young children. Citibank has advised me that the only way we can get our funds is by visiting a branch or wait for a check. Ive explained to Citibank that there is not a branch in the state of Arizona where we live and that not having access to our money is causing a great financial hardship on our family. I cant get anywhere with Citibank. In the mean time, my family is suffering financially and the stress that this issue has caused is unbearable. Ive asked Citibank to either close the account and send us our funds ASAP or make the funds available for us to use through a debit card, online bank transfer or cashing a check from this account. When I call, I get different people and none of them seem to know what to do. This is just unethical and terrible.