davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I have have checking account at Citi Bank. 
My name is XXXX XXXX. 
I called my bank on XX/XX/XXXX regarding the check was cashed. Check date XX/XX/XXXX in the amount {$1300.00}. I wrote the check to my contractor. I was in a hurry and let the space : check payable to blank since I was not sure about name spelling. He reassured me he would write his name on the check. In XXXX I saw the copy of the check that was cashed and was surprised it was cashed with no name on it. Since we had some issues with contractors job I was concerned he may say I didnt pay him. I called Citi bank with the question how this check could be cashed without name on the check. I acknowledged I wrote the change and the amount was right. 
I was told it will be investigated and I will be contacted. Few months later I received the letter from the bank regarding completely different check in the amount of {$200.00} with I didnt even question? 
On XX/XX/XXXX I received a letter from Citi Bank dated XX/XX/XXXX with request to complete the form regarding fraudulent check. 
The following day, XX/XX/XXXX I received the email from Citi Credit card my automatic payment was declined since my account was closed! 
I called Citi Bank on XX/XX/XXXX, spoke with Fraud department. I learned my account was locked and I need to complete the form mailed to me. Form can not be emailed and my account will be locked until form is received! I was advised to go local branch. On XX/XX/XXXX I had to rash into Citi Bank in XXXX XXXX. Branch manager could not assist me. I called from the Branch to Fraud department again. I explained again check I question is a check I wrote. I dont consider it fraudulent but I was under the impression Bank should ask a person who tries to cash the check put his name on it. Fraud department representative gave me to option : close the case and my account will be open immediately so I can pay my bills or continue the case but my account will remain locked! This was outrageous blackmail! I had to pay my bills and I agreed over the phone to close the case. My account was open immediately. I asked fraud department representative for assistance in dealing with my declined payments. He told me it was my problem! 
Meanwhile my XXXX auto bill was declined and my XXXXXXXX XXXX  credit card auto payment was declined! 
I had to pay late fee Citi credit card {$30.00} XXXX XXXX {$25.00}, XXXX {$25.00} I was not notified by Citi Bank in timely fashion about their intention of locking my account! I just learned about it when my payment was declined. 
This is unbelievable! They did not apologize and they owe me, not just late fees, all the inconvenience, going to local branch in XX/XX/XXXX. I am filing this complaint few months later since I had XXXX on XX/XX/XXXX and was recovering. I hope to hear from Citi management soon. I was with Citi for more than twenty years and considering changing the bank. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX, 2023.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

In XXXX XXXX XXXX  there were several transactions that took place on my Chime account. In total XXXX transactions totaling {$19000.00} which spanned over a period of 16 days ( XXXX XXXX XXXX  ). At that time I was a very new customer to Chime and it was not my primary bank. I was never notified about any of these transactions. The merchant was some online gambling/sportsbook which I have never previously heard of or done business with. 

I filed a dispute with chime letting them know I did not make these transactions and that I also have been a victim of identity theft/hacking. I submitted documents to chime showing this. I was/am a victim of the data breach XXXX suffered in which all my personal information including SIM card were accessed. My Social Security number. Drivers license number. Phone number. Email addresses and corresponding personal information have all been compromised and found active on the dark web. Again I have proof of this from identity monitoring services which I pay for. 

In addition I was able to contact the merchant through the contact information Chime provided me. I explained the issue and eventually was able to convince them send me an email correspondence they had with the person ( s ) using my information. And in that correspondence even the merchant was stating they were clear and obvious signs of unauthorized activity regarding the account which they closed for this reason. 
I forwarded this to Chime as well as part of a rebuttal which was also denied. 

The documents that Chime has sent me in which they used to make the determination are made up of circumstantial and baseless accusations. It looks like they gave an opinion rather than an investigation with evidence. Several of her bottles have been denied and I am left devastated not knowing where to turn. The Internet is filled with stories such as mine which chime just denies claims even when staring at evidence proving otherwise. They need to be stopped and I need my money back as this has put me in a really bad financial position as well as taking a toll on my health
Consumer complaint received 2022-12-22
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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Per informative research there has been negative credit reporting from my current mortgage lender on the following dates : 30 days late : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 60 days ) Dispute : XX/XX/XXXX, Carrington researched and advised my Forbearance plan expired on XX/XX/XXXX Although my loan was approved for a XXXX XXXX XXXX ( FHA ) XXXX XXXX Recovery Loan Modification in XXXX and my loan modification documents were drafted on XX/XX/XXXX Carrington advised in their response that they sent the modification documents to be signed however I explained never received them ; hence they were sent online through the website portal and I was not aware thats how they were sent. I was under the impression these legal documents were sent via XXXX and considering a recent change on mailbox locations I assumed they were lost in the mail. Nonetheless, they were then sent via mail and they were signed and notarized and XXXX. 

On XX/XX/XXXX I received a letter stating my loan modification documents received on XX/XX/XXXX were incomplete and a response was due by XX/XX/XXXX ( I should still be protected under applicable laws as a consumer and NOT have negative credit reporting as I was still under hardship ) I rectified the problem immediately and had the loan modification documents corrected by the notary as this was caused by the notarys error with a middle initial missing. 

In addition, the letter dated XX/XX/XXXX states that during the XXXX XXXX Forebearance period, Modification period there would be no negative credit reporting. In this case, the transition period from the forbearance period and loan modification overlapped and is not conclusive to negative reporting as a consumer and my rights have been violated as I advised Carrington of the unforeseen hardships and delay in modification documents. 

Lastly, the credit reporting on XX/XX/XXXX was also invalid as my attempt to make my mortgage payment on Sunday XX/XX/XXXX on the Carrington website was down and not accessible and I was unable to get in touch with a representative therefore I had to use the speed pay system which caused my XXXX payment to not post until the next business day XX/XX/XXXX I am requesting per the CFPB and DOJ that ALL the above concerns of negative credit reporting is removed from all three major credit reporting agencies for the following dates : XX/XX/XXXX, XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( XXXX late ) otherwise I XXXX need to seek a class action lawsuit, notify media and contact the Department of Justice for legal actions against Carrington XXXX unfair practices against consumers during the worldwide pandemic. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

For 3 to 4 years ( from XXXX to XXXX or so ), I received recurring emails from an unknown anti-virus company. The strangest part of viewing the email was the last four digits of my Wells Fargo credit and the Wells Fargo logo was indicated on the Payment Due portion of the notice. I didnt think it was official and ignored it. 
However, my card was subsequently charged for hundreds of dollars. I immediately requested a cancellation through the company and was denied. I asked how was my information retrieved. I never received a straight-forward answer. However, I was told a refund was not possible sense the grace period had expired. 
I contacted Wells Fargo. This is where the run around and transfer rollercoaster began. I eventually received a new card. However, the next email had the new number ( last four digits ) and Wells Fargo logo. Of course now Im thinking Wells Fargo is behind this. 
This time I called the company early, requested cancellation verbally and replied to the email with a cancellation. 
I contacted Wells Fargo again and received almost the exact run around as the previous year. So sad so frustrating! 
I feared I would be charged again. I was! Now I knew Wells Fargo was behind this act. I finally canceled the card. I never want another Wells Fargo account.
Consumer complaint received 2023-06-16
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. (PA)

This information is still reporting on my Equifax credit report on XXXX when the information has come back unverified and deleted. Why is it still reporting? XXXX XXXX XXXX, Pa, XXXX XXXX SSN : XXXX Credit Bureau Name : Equifax Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently made a dispute under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my credit report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you Please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question immediately removed from my credit report.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX  XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX  Act Name : XXXX  XXXX, Act Name : XXXX XXXX, Act Name : XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Data, Inc. (WI)

There are attachments with letters/statements/emails. They as threated that I would be arrested multiple times both by the original creditor and the debt collector. They advertised a credit card with auto pay, but if you weren't approved you got a debit card instead. They left that part up. I did not sign up for that. Statements look like a credit card. Say XXXX  department. Have a credit limit. Have a min. amount due.
Consumer complaint received 2023-06-20
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. (SC)

There systems were compromised, and there are hard inquiries on there that arent mine. And the discharged like my Bancruptcy, its fully discharged. Also my child support is paid and closed since XXXX. They refuse to take it off saying they confirmed it but cant show me how they confirmed it.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 XXXX  received a letter from me informing them to update my personal information. They have yet to do so.as this information is not deliverable or reportable per FCRA. This needs to be removed immediately.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (VA)

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MS)

Inquiry from OneMain Financial appeared on my credit report today XX/XX/XXXX and I have not done any business with this company and I have not been applying for additional credit at this time. 

ONEMAIN Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Personal Loan Companies Contact info Address po box XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (PA)

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 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 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KY)

I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, Experian and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, Experian, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Consumer complaint received 2023-06-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (LA)

I filed a complaint with the CFPB on XX/XX/2023 against OneMain Financial because an alleged agreement we entered into was not fully disclosed to me so that I understood every right afforded to me as a consumer in the consumer transaction. They responded through the CFPB on XX/XX/2023 stating that the matter was being investigated. Therefore, pursuant to 15 USC 1692g all attempts to collect any alleged debt should cease. I received a statement which is attached to this complaint with the amount of an alleged debt and late charges as well.
Consumer complaint received 2023-06-20
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. (WI)

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.