davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I opened my business account with Citibank, NA in XX/XX/2022. I deposited consistently into my account. In XXXX my balance was approximately {>= $1,000,000}. I proceeded to pay my vendors and withdrew for my payroll, etc. Citibank has placed a hold on my account where I can only deposit but can not withdraw due to a fraud alert. After verifying my account for the hundredth time, they absolutely can not remove the alert, although I went through ample verification process and everything should of been fine. After I gave them ample time to resolve whatever issues they were having, I proceeded to call them and they said they are in the process of closing the account and will forward my balance of over {$60000.00}. I called Citibank every week thereafter and even went into various branches where none of them can even locate my account. I continued to call and I get re-routed to their Fraud Department in XXXX somewhere, where hardly anyone speaks English. This has been going on for almost 9 months. Please help me retrieve my my money from this crooked bank and I will go my merry way. 
Thank you
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.
Consumer complaint received 2017-03-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (RI)

XXXX XXXX using ace payday loan as their own name to collect funds not owed to them. Ace was not aware of them using their name. I asked consumer financial to stop calling me but they wont.
Consumer complaint received 2024-03-28
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. (RI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2023-01-18
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. (FL)

On ( XX/XX/2022 ) 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 2021-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was on XXXX XXXX XXXX  page and saw they were selling limited edition XXXX record players, so I commented asking if they would ship orders to other states since they were only delivering within CA at the time. Someone replied to my comment to find XXXX on XXXX. 

I wanted to order the record player and vinyl set, and he said he could ship it to me ( XXXX now offers online ordering : -/ ). I paid him XXXX} on XX/XX/2021 through my bank ( XXXX ) using Zelle. On XX/XX/XXXX, he sent me an email ( XXXX ) with a tracking number from " XXXX XXXX XXXX XXXX ''. I found out later that this company does not exist. 2 days later, I got an email saying my package had be held at XXXX XXXX XXXX. When I called their non-emergency police line, they said they do not work with civilian mail and that I had been scammed. 

I have tried filing 2 reports with Zelle, but I have not been able to get into contact with anyone on the phone or over email. I called my bank, and they said there was nothing they could do since the payment had already been accepted. 

XXXX XXXX has since contacted me multiple times via XXXX text and XXXX  calling demanding more money or I will not get my shipment ( which I have now verified does not exist ). I am scared because this individual 's XXXXStories show firearms, and he has my home address. 

The email he had me send the money to through Zelle was XXXX, and the tracking confirmation email came from XXXX.
Consumer complaint received 2017-05-06
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. (TX)

I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than  one  name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe
Consumer complaint received 2021-06-08
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. (IL)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX XXXX . I have tried to call this company four times and i can not speak to anyone. I have also tried calling XXXX XXXX and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.
Consumer complaint received 2024-06-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (NC)

We were given XXXX Amex prepaid {$100.00} gift cards from our family back in XXXX for XXXX. We initially checked the balances and and everything was fine. We were able to use one but after a few months the other kept saying there was a problem. 

We checked with the company and they said that in order to fix the issue we would need to provide them with images of the card front and back or the receipt. We did send them the images of the card and now they say that nothing can be done without the receipt. This is ridiculous it is now outside the window that we would even be able to have our family dispute the charge for the gift card they purchased likely at XXXX XXXX in XXXX XXXX, XXXX. And I should not have to reach out to my family that gave me this as a gift for the receipt. 

Totally unacceptable. It also seems like even though it says Amex gift cards that it is an entirely different company called XXXX that is doing some shady business. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX, Regarding card case, XXXX, we have reviewed your claim, and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : > a full copy of your purchase receipt showing the merchant information and the method of payment or an electronic journal that can be requested by contacting or returning to the place of purchase if you do not have the receipt. We need this information to bill the merchant for the proper activation of your card. 


Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We will begin researching your problem once the required documents are received. In most cases, you will hear back from us within 3-5 days of receiving your documents, however, some cases can take up to 30 days.We appreciate your business and value you as a customer. If you have any questions, please contact Customer Care at the number on the back of your card. Please send your documents to the appropriate location for your claim. 

Fax Number : XXXX Email Address : XXXX Thank you, XXXX Payments
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (CA)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2022-11-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This complaint may has already been filed though CFPB with no response ( XXXX with a response that requested more information. 

I'll ask again here. I'm asking that for both my wife and myself, that we are requesting to no longer use the FREE Transunion access, which are " Service.transunion.com '' and " XXXX '' Right before our loan was transferred to the present mortage company, we were both kicked out of the free access and had to go through a proving the same info you already have in detail, and was told that we had to use a NEW log-in access that became " Service.transunion.com '' which was totally new to us and when asking about it we were told that it was the new means to allow us access to our credit reports. And if trying to log back in using Transunion.com the sight indicates that we're not already in the system, yet at times in the past we were told over the phone that I was already registered on three different Transunion accounts, but once we got kicked off and were told that we could only use Service.transunion.com which does not reveal what those who pull our credit report say the are seeing when they pulled our reports. So this takes us back to needing to gain access to " Transunion.com '' only that has us both blocked out.
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (NY)

I have never lived in Texas nor have I been to Texas but this company Rentdebt automated collection reported to my credit score that I owe XXXX XXXX XXXX XXXX money. XXXX reported to me and XXXX XXXX company. XXXX and myself tried to call them and report the fraud and they hung up on us. They are using a name that was almost 8 years ago and a fake address.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

On XXXX XXXX XXXX I have closed on the property located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as of the date submitting this complaint the account still shows open in my credit file. 
The mortgage has been paid off, and the property is no longer under my mane in the county where the property is located. 
Over 45 days later XX/XX/2023, I have emailed XXXX XXXX, XXXX from Shellpoint in order to update the account on my credit file, as of today date no response.
Consumer complaint received 2017-07-17
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: Experian Information Solutions Inc. (LA)

I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (IL)

Ive been getting repeated phone calls from Phoenix Financial threatening me to pay {$1000.00} or they will put it on my credit report. 

I dont know this company never done business with this company this company do not have any contract with my signature.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be Advised. Ive been a victim of identity Theft!! The following company has allowed someone to get medical care in my name. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2300.00}. Ive never done business with this company or signed into an agreement. This is a fraudulent Account!! 

2.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company continues to remove and add back fraudulent medical bills on my report. This company failed to notify me in writing 5 days in advance per the FCRA!! This company failed to validate this account. This company is reporting a fraudulent bill on my reports. Ive never done business with or entered into a signed contract with this company!! ( Please see attached FTC report ) 3. XXXX XXXX XXXX in the amount of {$1300.00}, Ive never done business with this company or have I never entered into a signed contract with this company!!! This account is fraudulent!!!
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2023-01-18
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$5400.00}.
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IL)

I received a bill after moving out of XXXX XXXX XXXX XXXX XXXX XXXX. I called them about the bill because I thought it was erroneous. I cleaned up very well, took pictures and video. But the bill was for cleaning and broken toliet seat that the complex maintenance man broken when he came over to remove them. They were also charging me for bills dated in XXXX when I moved out in XXXX. I asked them to send me a detailed break down of the bills and why I own them but that was never recieved. I then received a collection and derogatory report on my credit. 

The bill is for {$380.00} which I do not owe.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (ME)

I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX  directly however the company ignored my request.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

After the mortgage account transferred from XXXX Mortgage to XXXX, my payments were set up on a bi-weekly schedule and XXXX 's automated system was incorrectly applying the automatic payments made from my bank to principal, instead of regularly scheduled XXXX XXXX XXXX payments. I made several calls to XXXX requesting correction, in fact in 2019, I had to make these calls every month and they were still unable to correct mis-application of my payments until two " missing '' payments were reported to the credit bureaus. After numerous requests to correct this issue and XXXX representatives ' admission this was a systematic error, my credit report still shows payments made on time that were misapplied as " missing '' payments. Please help addressing this issue, as it is the ONLY negative mark on my extensive credit history in the past 30+ years.
Consumer complaint received 2015-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CO)

I made an online payment to mortgage on XXXX/XXXX/15. I then received a payment confirmation stating that " payment was received '' I received a call from mortgage on XXXX/XXXX/15 saying that they were accessing a late fee and check bounce fee. I explained about my confirmation e-mail and they said that the reason no payment was made was because an incorrect acct # was entered. If that is correct then why did I receive a " payment accepted '' confirmation e-mail. Sufficient funds were also in the bank so there never was a bounced check. Not only are they assessing these fees but are also charging me a {$15.00} fee to make payment over the phone after the fact. I feel as if they are ripping me off on purpose.
Consumer complaint received 2017-09-09
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. (PA)

XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Payment History on my account is Still incorrect I sent Proof of all Dates and still they haven't fixed anything, my score just goes up and down when they correct it then they put it right back, why are they getting away with this and nothings being done my next step is to get a Lawyer if this is not corrected. Indigo has been doing this to me for XXXX XXXX years now and my credit score is just getting hit, this should be against the Law, I'm sick of it. All of my other credit cards you can see the consistent payment History I want this fixed A.S.A.P this has been going on for to long. 

I can be reached at XXXX My Address is XXXX XXXX XXXX XXXX XXXX, PA XXXX not XXXX XXXX XXXX XXXX please correct in Data base Thanks