davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

This is the second complaint I have filed against Citibank ( Citi ) for the exact same problem.Citi previously reported my address incorrectly to the credit reporting agency XXXX.My address for the last XXXX  years has been XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX erroneously XXXX it as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX do not and have never lived at that address.This error occurred because the Citi app on my mobile phone and XXXX can not accommodate my complete address on my Citi profile, my address is apparently one digit too long ; therefore, it automatically defaults to a similar address, in this case the incorrect XXXX XXXX address.This problem was supposedly fixed by Citi after I had several conversations with Citi employees in their IT group, who were surprised that the problem existed.The problem was NOT fixed.Once again, they reported the incorrect address to XXXX.I learned that Citi is again reporting the wrong address to XXXX in the same manner as the previous time, through another credit card issuer that sent me an email asking me if I moved. 
I want Citi to permanently fix this problem. I contacted them on XX/XX/2024 and was assigned Citi reference number XXXX  XXXX XXXX XXXX XXXX and told someone would call me. They have not called and my call to them went into voicemail.Please help me to stop Citi from continuing to provide bad information to credit reporting agencies.I do not know whether they also provided bad information to XXXX XXXX and XXXX.They need to contact those agencies as well if they did.
Consumer complaint received 2023-05-25
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. (NY)

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 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are 3 unauthorized inquires reporting to my TransUnion report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX. I contacted TransUnion on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. TransUnion is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

First of all, I do not have a debt with this company. I reached out to XXXX several times trying to dispute this debt XXXX years ago now this company comes out of nowhere and purchase a debt that was never supposed to be on my credit report and put it on my credit report. They have not validated anything I do not have a sign contract with the genesis company in regards to any debt Company and any debt that they brought is not they are sending over information that was put in the system late. XX/XX/XXXX is the day that I called to confirm that they received my 60 day notice but my original 60 day notice was brought to the office. XX/XX/XXXX, it was never input it in the system until XX/XX/XXXX now they are charging me for a month that I did not live in the apartment. They are charging me for damages that was never done to the apartment. They have never showed any proof and the keys were returned on XX/XX/XXXX however Im being charged for the entire month of XXXX. They have not answered to the attorney generals complaint. They have not answered any emails From the XXXX  and Im going to keep filing new complaints every time because this debt does not belong to me. I am about to contact a lawyer because at the end of the day I do not owe this company. I dont even know who this company is and I dont even know how they get my personal information. I did not consent my personal information such as my Social Security number my phone number and my address and they keep sending harassing calls. I am about to sue this company for harassment and for putting something on my credit report. I also do property management and I know that I have done my due diligence by providing a hand written letter to the main office the office neglected to put the handwritten letter in until I called the XXXX main office on XX/XX/XXXX and advise them that I put a Letter in the system on XX/XX/XXXX stop contacting me and remove this debt from my credit or I will be filing a lawsuit I have disputed this issue with the attorney general office and never got a reply. I dont think I should be responsible for the negligence of this company and now Genesis is coming in unbeknownst to them. They dont know whats going on. They dont know the severity of what was going on. I have emailed them. I have sent letters. The attorney general have sent letters in avana has not corrected this issue in the system as of yet
Consumer complaint received 2023-05-25
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. (NC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-27
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. (NC)

I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, XXXX, Equifax ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I have had multiple attempts with retrieving confirmation of my supposed debt with this company. I have requested, by mail, and received no response in regards to the company providing accurate of a signed agreement from myself and said company. I called after 30 days and they still have yet to resolve this issue or confirm any documentation. I provided them with more than enough time to complete my requests and even provided fraud paperwork regarding the account with this company as they are in violation of the laws that are in place for consumers like myself.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I receive daily phone calls from different phone numbers I Do Not Owe THESE PEOPLE PLEASE LEAVE ME ALONE They Have Harrassed And Tried To manipulate me into believing that I owe them for years and tarnished my credit I dont dont think its fair I am XXXX and I triggers me emotionally because i cant even block them because they call from so many different numbers please stop these people they are notorious at and manipulative and they use trickery and loopholes in laws to ruin my credit I have Never owed them Please investigate and delete from my credit
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (TX)

I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

There is not a box to check for this problem. 

On XX/XX/2024 I made a purchase at Macy 's XXXX XXXX in XXXX. The sales associate was clicking away on the authorization keypad. I told her I did not want a Macy 's American Express card. She kept clicking while telling me I would not get one. Several weeks later it arrived in the mail. I have spoken with Macy 's customer service 8-10 times to no avail. I have sent a letter to the store manager. I have spoke to their we care department. I was told I my Macy 's account can not be reopend. I have cancelled the Macy 's American Express card.

Isn't it illegal to open a card without permission.
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (NY)

I called US Bank around the XXXX of XX/XX/2020 because credit reporting agencies showed that my mortgage account had been close due to a chapter XXXX bankruptcy. The represented said he would notify the bankruptcy department and my account would be corrected in XXXX. I called the bank today to see if the problem had been resolved. I spoke to 2 reps and didn't get anywhere. They then put me through to a supervisor who would not provide the bankruptcy departments phone number. Instead he insisted that he could only relay the message and that they only speak to bankruptcy lawyers. This is unacceptable, I would like to speak directly to the department who made this error on my account.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-27
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. (GA)

I asked Transunion for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-02-02
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)

XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO 2 BUREAUS WITH A ZERO BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO 2 DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED ASAP.
Consumer complaint received 2022-11-14
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/22 but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Equifax does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-02-02
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I XXXX XXXX sent a money order for the remaining balance of the car loan for XXXX on XX/XX/2023. 
It is XXXX  and the credit has not been applied to the account. 

Ive sent various emails reflecting and discussing this scenario. Now Account is passed its due date.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

While I was away on a business trip out of the country, TD Bank Customer service gave access to my account to an unauthorized user. TD Bank sent me a letter acknowledging the account takeover was their responsibility, said I am NOT liable for any of the fraudlent charges, and would be restoring my credit account -- including credit limit and all other card perks. 

I have yet to receive my new card or account despite receiving the attached letter.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX, I contacted Westlake Financial to request a number to end my car loan. 

My contract has 72 installments with a XX/XX/year> maturity date. Each installment amounted to {$330.00}, and a balance of {$6000.00} remains. The reason for this balance is that there were some postponed payments, which means I would have to make 8 more payments after XX/XX/year>. 

After receiving a copy of my payment history from Westlake Financial, I created a spreadsheet with all payments made. I highlighted the payments equal to or greater than {$330.00}. See the amounts : Amount Financed : {$14000.00} Mature Date : XX/XX/year> Amount Paid : {$21000.00} Balance : {$5800.00} I am seeking assistance in identifying whether I am being charged usurious rates and how the Consumer Financial Protection Bureau ( CFPB ) can help me.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Called and attempted to cancel membership online. There is no option to cancel, only to downgrade. I do not want their credit monitoring service at all. 

They require you to sign up even to just receive a credit report. Then they charge you each month. 

I want a refund for prior months and for a cancellation / closure of my account.
Consumer complaint received 2021-01-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NJ)

To whom it may concern ; I had 4 CDs with ally bank. In XXXX I recived a letter stating that the account would be considered dormant unless I contacted them. On XX/XX/XXXX I called and was told that the account was in good standing. When I got my statement on XX/XX/XXXX it was XXXX balance. They sent my money to the state of nj. XXXX the 2 CDs total about XXXX XXXX dollars. I spoke with XXXX on XX/XX/XXXX and he explained that I have to retrieve the funds myself. On XX/XX/XXXX I spoke with XXXX and he told me that ally was retrieving the funds. They refused to return my phone calls. No return calls to date, 10 days, or emails. Please help. Thanks XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION (IL)

My mortgage bank will not report my payments to the credit bureaus. They said they legally need the reaffirmation document from a bankruptcy 15 years ago. I must have forgotten to get that document to the bank holding my mortgage at that time. But they said that even if I could get that document they could not promise me they can do anything anyways because it is so old. My bankruptcy lawyer said they can not do anything either because it is so old also. I have faithfully paid my mortgage on time for 20 years. 5 years with the current bank M & T, 5 years with XXXX and 10 years with XXXX XXXX XXXX which was the original holder. Is there anything you can do to at least cause the current mortgage holder M & T bank to record the last 5 years to the credit bureaus?
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

i disputed the item on my credit report XXXX XXXX on XXXX XXXX it is still showing open after 30days on XXXX XXXX it is illegal to buy someone identity and try to collect without ones consent and report to the public usc 15 6802. they will provide wet ink signature to prove contract exists between me and lvnv. Lvnv do not have my permission or consent. i also requested to know if they filed a 1099 for any of the 2 accounts being illegally reported on my report. no reply but i will file id theft form with irs as well in case they filed a 1099.
Consumer complaint received 2022-11-14
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. (CA)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair the account below : XXXX XXXX XXXX XXXX XXXX