davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NJ)

During the year XXXX my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
CBNA XXXX CARD XXXX  Can you please help me remove these charge off accounts?
Consumer complaint received 2023-07-12
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)

XXXX has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, Equifax, XXXX, XXXX Are not reflecting proper credit age.
Consumer complaint received 2018-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

This debt is a result of identity theft. I have provided the last 2 collection agencies with documentation reflecting this dispute and they ceased and desist collection activity. Now XXXX XXXX XXXX is attempting to collect the same debt even after I spoke to them advising them of the dispute and sent them documentation certified. Disputed debts like this should not be allowed to be collected on ; it is harassment and intimidating.
Consumer complaint received 2020-06-15
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have sent XXXX, XXXX and transunion dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX
Consumer complaint received 2023-06-07
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. (TX)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I called JP Morgan to inquire about the status of loan # XXXX XXXX issued by XXXX to XXXX.- Tax ID XXXX in XX/XX/XXXX for $ XXXX. 
Loan was, according to our records, paid off XX/XX/XXXX. 
JP Morgan transferred me to several departments and when finally it appeared that I got the right department, a lady - XXXX from Texas said that she did n't know who could help me either ; however, she was going to have someone call me at the end of the day. That never happened. 

My name is XXXX - shareholder at the XXXX to whom JP Morgan extended the loan back in XX/XX/XXXX under XXXX.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - Has violated my rights 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 the 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 the blocking of the erroneous information that 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 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

Rewards program gift cards were sent by XXXX but not delivered due to damaged package. Contacted the company noting the information provided by XXXX but was denied because the gift cards had been used.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America had been charging my saving accounts for maintenance fee ( {$33.00} per month ) since last XX/XX/XXXX without my knowledge. They did not send me any electronic notification or statement in mail until today XX/XX/XXXX. I called them up asking why did this they could not explain why. I opened up the account in XX/XX/XXXX. They also charged my Visa card for interest for a cash advance check I used that had % 0 interest rate until XX/XX/XXXX. I want you to investigate and penalize them for cheating customers. I want refund for illegal charges that include maintenance fees, ( {$300.00} ) late fees ( no notification for payment deadlines ) and interests ( {$110.00} ).
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (NY)

**Complaint to CFPB** On XX/XX/XXXX, I initiated a {$1.00} XXXX wire transfer through Citibank 's branch ( Exhibit A ). Due to the large amount, I visited the branch in person and provided all necessary details, including the Purpose Code, to the manager, XXXX. I specifically asked XXXX to replicate the details from my recent wire transfer on XX/XX/XXXX, from the same account to the same account in XXXX ( Exhibit B ). XXXX confirmed that he would do so. 

Despite this, I was later informed by Citibank 's wire department that the transfer was returned due to a missing Purpose Code. In that return, I only received {$970000.00}, instead of the XXXX XXXX dollars sent. It is important to note that my previous wire transfer on XX/XX/XXXX, to the same account, which included the Purpose Code, was completed without any issues. When I was at the bank in XXXX, XXXX assured me he would copy the previous wire details. 

After initiating the XXXX transfer, I traveled to XXXX to finalize a XXXX power plant project, only to discover that the funds had not arrived. XXXX Bank confirmed they did not receive the funds ( Exhibit C ). I contacted Citibank 's wire department daily and was repeatedly told the funds were being returned due to the missing Purpose Code. Citibank 's system should automatically request a Purpose Code for transfers to XXXX. Additionally, the special wire office is responsible for reviewing, authorizing, and clearing wires, ensuring all necessary codes and XXXX requirements are met. If there was a missing Purpose Code, XXXX Bank in XXXX would not have returned the money but would have requested the missing information through the XXXXXXXX XXXX XXXX, as they did with the subsequent wire on XX/XX/XXXX ( Exhibit D ). 

Given these facts, it is clear that Citibank mishandled this transaction. XXXX Bank never received any funds and therefore never returned any money from the XX/XX/XXXX transaction. The error was internal to Citibank, and Citibank 's internal errors have caused me serious financial harm. 

As a result, I have incurred significant financial losses and additional expenses, including : - Approximately {$25000.00} lost in currency conversion and return fees. 
- Around {$5000.00} in travel and related expenses to resend the funds. 
- Substantial financial losses related to the business deal with the Government of XXXX, XXXX. If this matter ends up in court, I will pursue these losses, which are currently fluid as the situation is ongoing. They are certainly in the millions. 

I expect Citibank to take responsibility for this error and reimburse me {$30000.00}, immediately. I am willing to provide any further information or clarification needed within the next XXXX days to resolve this matter amicably.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

I received a prepaid XXXX as a gift from one of my vendors. I attempted to identify its value on the issuer 's website ( XXXX, XX/XX/23 ), but the website indicated I had to call the issuer. Upon doing so, I was told the card was 'compromised ', but with no specific details as to how. I was instructed to utilize links on their website to submit photos of the card along with my personal information, but the website would not allow me to do so. I attempted with multiple operating systems and web browsers, but their system stated it was 'unable to process my request ' and to again call their phone support. I did so, and spoke with a supervisor after a long wait. XXXX ' informed me that he would escalate the matter, but could not take my name, email or phone number for them to contact me to provide resolution. Instead I was instructed to call back after 5 days. Looking at various web forums, this seems to be a pattern for many customers. The issuer states a card was 'compromised ' without any validation and refuses to honor it, which feels remarkably like an orchestrated scam.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX reported my payment late in XXXX  0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are inaccurate.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (CA)

As I look at my report the open date on 2 account both from XXXX XXXX but are reporting two different balances under two different collection agencies. 

IC Systems INC {$160.00} and XXXX XXXX XXXX {$290.00} These accounts also arent reporting to all XXXX credit bureaus. Its been removed under a dispute but added back on XXXX and XXXX is only reporting IC Systems INC. 

I would like these inaccurate accounts removed if I cant receive validation on these accounts are accurate.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " XXXX XXXX ''. From my research, XXXX is owned by Resurgent Capital Services, XXXX. Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or Resurgent Capital Services, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (VA)

Hello, On XX/XX/XXXX, I sent a certified check for the payoff of my leased vehicle with Audi Financial Services and an additional certified check for expedited shipping to have my title sent back quicker. It was sent overnight and Audi received it on XX/XX/XXXX. I sent 2 messages to Audi using their online portal ( 1 to tell them I sent everything to include my tracking number to them and the 2nd after a week or so of no update on my account ). After XX/XX/XXXX, they showed my payment as late and I decided to call in. Upon calling in I was told to wait another week. I waited a week, and sent yet another message using their online portal and received no response. I called in again and spoke to someone who said that Audi is severely behind on sending customer 's their titles, but he was able to " post '' the payment to my account to stop it from showing late and stopping it from behind reported as late to the credit bureaus. After 2 more weeks, I called in again as there was no update and this representative said there was nothing he can do. It's now been basically a month since I've sent everything to Audi Financial Services, they have my money, they have my car 's title illegally, and I can't do anything on my end with my vehicle ( sell it, register it, title it, etc. ). I've now resorted to emailing several executives with AudiUSA to try and get their attention and I'm now seeking assistance with consumer reporting to help me get my cars title.
Consumer complaint received 2023-02-02
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. (LA)

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 2023-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

This company has wrongfully added a derogatory mark on my credit. This account is passed the statute of limitations. This company is not the original creditor and has been sold to another company who has bought the debt and now I no longer owe it. The statute of limitations is 4 years and its has been XXXX. Please remove from my credit. Or prove I owe the debt.
Consumer complaint received 2024-05-28
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: WELLS FARGO & COMPANY (NJ)

I had a layover in XXXX where I ended up renting a car. The total purchase for the car was {$15.00} for a couple of hours. I have proof of receipt and email. I was told when I got there that there was a deposit needed to rent the car so I gave my credit card. It was supposed to be returned way before but its still not in the account. I live in XXXX and the rental company is in XXXX. I can not go in person if I wanted to. XXXX XXXX, my bank is giving me many problems with these disputes denying all of them even when I have proof. They need to he held accountable with this.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (KS)

My Chime account was compromised, my email and phone number were changed, and funds were taken from my account. I contacted chime couple days ago, they helped me secure my account, which they saw had intact been compromised. They refuse to return the stolen funds to me. And when I call, I get hung up on, and told that I can not speak the the investigation team in charge. Then today, I wake up, and my account is restricted, because someone attempted to compromise my account, once again. And they still will not return my funds, or even look at my dispute.
Consumer complaint received 2023-06-11
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. (MD)

As I was getting ready to apply for a student loan with XXXX XXXX, I glanced over my credit report to observe my consumer report, I noticed a few fraudulent and inaccurate accounts that are reporting to my name that should be removed off my consumer report. I am absolutely terrified that someone out there has my information and has been using it. This has been making my life absolutely XXXX. I am unable to get access to certain things out there because the fraudulent information is destroying my credit. Please help me, this is extremely scary and uncomfortable situation.
Consumer complaint received 2022-11-28
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. (VA)

My name 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 2023-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

My complaint is against XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX. I Purchased multiple Money Orders Totaling {$1300.00} from the United States Postal Service. ( Copies Attached ) XX/XX/2023 XXXX XXXX  documented payment in a statement to me for only {$1000.00}. A copy of detailed statement attached. A copy of the United States Postal Service 1 day XXXX XXXX and Tracking Number Attached. ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) Insureds