davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I visited my local Citibank branch to inquire about the discontinuation of my XXXX recurring monthly transfer from Citi to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had always been able to see my scheduled transfers online and they no longer appeared. The branch representative could not explain where tranfers could be reviewed or why the transfer was stopped. She insisted the transfer was initiated by XXXX not Citi which I knew made no sense but I left and called XXXX who confirmed they did not and never could initiate such a transfer. On the XXXX, I called Citi technical support. The first representative said she knew there was an issue but did not explain it and the connection was so XXXX I had no idea what she was saying. After multiple requests for her to speak slowly and clearly we were disconnected. I called back and another representative explained that Citi recently switched to a new platform " XXXX '' and as a result all previously scheduled transfers were discontinued. Apparently this was explained in a letter posted online in XXXX but it was absolutely not clear to me that my funds transfer schedule would not only be disrupted but it would be permanently discontinued!! Further, I would no longer be able to establish a recurring transfer to XXXX because they do not have the XXXX platform. It is unacceptable to bury an unclear notification in a mobile app, not send a separate email and/or a physical letter, and not clearly communicate that the transfer would not occur the following month clearly enough for the customer to ensure necessary action was taken. It is more outrageous that the in branch rep did not know what the issue was and that it took multiple calls to find an actionable response. I spent half a day dealing with this. Citi did not properly inform its customers or staff or understand the implications of their platform change.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I instructed Chase to issue and mail a {$300.00} check to a vendor on XX/XX/2022. Chase allow a wrong company, with an entirely different name than the check was issued to, to deposit the check. Chase then debited {$300.00} from my checking account. I have spent hours on multiple calls in the last XXXX months asking Chase to correct its mistake and return my {$300.00}, but to no avail. Chase 's claim rep 's excuse was that the other bank, XXXX XXXX, has not returned the money. It was Chase 's mistake to even let the money go to a party the check was not issued to. Chase should return my money. I should not have to wait for XXXX XXXX  for the money. Please help.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I canceled a XXXX order that was never received and was even given confirmation via XXXX that I would not be charged along with a reference number on it. It was given to USAA along with proof of cancelation. I was at first given a provisional credit until they finished the dispute claim, however I was sent an email stating that I did not submit proof and would be subject to a reversal. I sent proof again and the provisional credit was still reversed. I contacted and spoke to a total of six agents since then stating that I would have someone give me a call to go over and return my funds and that the claim would be escalated. Each stating I would receive a call sometime later that day. It never happened. This has been going on since XXXX and I want my money back. This is for claim number XXXX.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (MD)

My name is 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 2023-01-09
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL XXXX CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

XX/XX/2022 I contated Experian about identity theft and unfamiliar information that was on my credit, under another account. I also brought to Experian attention of the inquiries, background checks, credit reports, credit cards, addresses, and a second account that was created in my name. I asked to dispute everything that was incorrect on my account. I was also paying monthly for Experian XXXX to keep my information secured. I mentioned my name being used for a second account and Experian customer service wasn't able to find that information. I'm trying to get an identity theft investigation in process but my attacker has all my passwords, email addresses, phone number and thanks to Experian, i was able to find out that my attacker has been using my information for 2 years. I don't know if someone has already filed a complaint under my name because every time I try to file a complaint it ends up disappearing and i have to start all over. My name is XXXX XXXX and I'm desperate for help on stopping whoever it is using my information. I also have a XXXX XXXX XXXX son who's information also has been affected by id theft. I don't know what to do or who to turn to. I'm working alone so far to find out everything i can. After contacting Experian I haven't heard back from them as of XX/XX/2022. The pictures below are just some of the things I was told by Experian that was not on my credit but it actually was.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, Diversified Consultants , Inc . 

The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX
Consumer complaint received 2019-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION (NM)

Tried to pay off loan with a wire transfer from my bank. First time nothing happened. Received another statement so I called there Express 24 line. They said my bank number was wrong. Rechecked routing and bank account number and got another conformation number and was told it would take five to ten day. Checking my account every day and nothing so far. All this happened between XX/XX/19 and XX/XX/19. The payoff amount between these dates increased due to interest. XX/XX/19 payoff was XXXX on XX/XX/19 was XXXX.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the removal of all incorrect names and addresses associated with my credit file across all credit bureaus, as well as to request that only the following information be retained : Correct Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are required to ensure that all information in a consumers file is accurate and up-to-date. Furthermore, 15 U.S.C. 1681i outlines the obligation of credit reporting agencies to investigate disputes and remove inaccurate, incomplete, or unverifiable information. 

The inclusion of multiple incorrect names and addresses in my credit file is a violation of these provisions and creates confusion that could adversely affect my credit profile. This also infringes on my rights to accuracy and fairness under the FCRA. 

I have identified the following inaccuracies that need to be immediately removed from my credit file : XXXX. All incorrect or alternate names other than XXXX XXXX XXXX XXXX 
XXXX. All incorrect or alternate addresses other than XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Please consider this letter a formal dispute under the FCRA. I request that all credit bureaus be directed to promptly correct my records and to provide written confirmation of the changes. I also request that all other names and addresses be permanently removed from my file to prevent further inaccuracies. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an statement with for an account that I have already had a fraud on, this time in the amount of {$19000.00}. The cards belong to a Bank Of America account. 

This card is barely use or only use when I travel outside the USA ( if needed because I have other card issued ). The last time this card was used the statement was less than XXXX XXXXXXXX The statement says I have to pay for a balance transferred to other accounts which i do not have- I requested proof and they do not have it. It says it was sent to an apple account witch i do not own. These payments were never done by me. 


XX/XX/05 XX/XX/05 BALANCE TRANSFER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/05 XX/XX/05 BALANCE TRANSFER XXXXXXXX XXXX XXXX  XXXX XXXX XXXX I had also a fraud on other cards and balances were transferred to XXXX. I don't have an account with XXXX and I have never had an account with them.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-24
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. (FL)

I XXXX XXXX recently received a copy of my ( XXXX, XXXX and TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX Making the report is not INCLUEDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2023-08-19
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. (CA)

On XX/XX/2023 I disputed several accounts on my report with Experian, XXXX, and XXXX. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.
Consumer complaint received 2024-03-27
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. (GA)

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and Transunion, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of XXXX, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Consumer complaint received 2022-11-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

During the Covid 19 pandemic, I loss my job, I got approximately XXXX behind on my mortgage with Regions Mortgage. I applied for help through the XXXX XXXXXXXX XXXX XXXX ( XXXX ) and I was awarded XXXX from XXXX to go towards my mortgage. The XXXX representative advise me that {$20000.00} would be paid to bring my loan current. The remaining funds would be applied to my monthly payments. None of this happened. My arrears were not paid. XXXX paid my mortgage for XXXX months. They did not pay the arrears. I was not informed of the change. I was approved for {$40000.00} only XXXX was paid on my loan. I was never told the mortgage payments were ending. I have now been told I have to reapply. This is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX my mortgage lender is Regions Mortgage. My current interest rate is under 3 %. Regions Mortgage is recommending that I refinance at the new higher rate, which is double my current rate. I have a XXXX son who requires 24 hour care. After Covid 19, my care provider of 15 years is no longer able to help me with my son. For the past 15 years I have worked 2 jobs just to provide medical care alone for my XXXX son. My question is why didnt XXXX pay the portion that was in arrears as they told me they would do? Why do I have to reapply for Mortgage funding I have already been approved for and still desperately need? How does XXXX decide who get arrears paid and who does not. XXXX application # XXXX ; Regions # XXXX ; FTC # XXXX. It is obvious that the states are trying to keep consumers like me in a conundrum of paperwork so that states can keep the federal funding meant for tax payers.