davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: CITIBANK, N.A. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} XXXX XXXX : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (TX)

I have been attempting to have Experian to update my credit report since XXXX The update would be how Ive made car loan payments and a personal loan although the reporting agencies have been sending the updated payments Experian hasnt updated anything since XXXX I have put in several disputes and cant get them to update it I am trying to purchase a home and this is effecting my livelihood!!
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I opened a Citi Premier card on XX/XX/2023 with a promotional bonus of spend {$4000.00} within 3 months to earn XXXX Citi ThankYou points. While I opened the card on XX/XX/2023, I did not receive the physical card in the mail until XX/XX/2023. Additionally, I was not given the option to have a temporary card number or to add the card to my digital wallet, therefore I could not use the card until it arrived on XX/XX/2023. 

My spending eligibility period ends 3 months after account opening, on XX/XX/2023. However, since the card did not arrive until XX/XX/2023, I didn't truly have 3 months to spend on the card, therefore I feel that the promotion is misleading. I requested an extension in XXXX after receiving the card, and was told to call back nearer the end of the period. I also called again on XX/XX/2023 to inquire about extending the bonus spending period beyond XX/XX/2023 to account for the lost time, but a supervisor did not seem to follow the request or was not offering to do so. 

As of writing ( XX/XX/2023 ), I am {$460.00} short on the spending requirement, and won't be able to meet it by XX/XX/2023. As it will be too late by the time this request is responded to, I would ask for a courtesy XXXX points once I have met the {$4000.00} spending requirement within 3 months of receiving the card.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Credit Bureau used Oscar system instead of getting accurate information from XXXX bank Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX Bank and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.
Consumer complaint received 2023-01-06
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. (TN)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

Resurgent Receivable LLC Status : Opened Reporting : collection Balance : {$1600.00} open : XXXX, 2023 ( XXXX mos ) ( REMOVE THE CEASE AND DESIST ) 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. Account name : RESURGENT RECEIVABLE Opened:XXXX  Balance : XXXX. ILLEGAL INFORMATION 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 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 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. 15 usc 1692c/ 15 usc 1692g ( b ) not valid and violating 15 usc 1692 ( 8 ) ( E ).
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I am looking for your assistance in helping me recover an unauthorized ACH transfer from my Citibank Business checking account, taken by XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$3800.00}. I have asked my Citibank Representatives to obtain a response from XXXX XXXX XXXX, the XXXX XXXX, explaining how and why these funds were taken out of my account and how they obtained my account number. XXXX XXXX XXXX  has NEVER responded or cooperated in any of the Citibank requests for additional information. Citibank continues NOT to be helpful and will not take responsibility for the unauthorized ACH transaction and refuses to return those funds to my account after repeated requests. Citibank has failed to act in my best interest as an account holder for many years. 
I have repeatedly tried to work with Citibank from XX/XX/XXXX to the present day of XX/XX/XXXX with no positive results. I initiated a first formal Citibank inquiry asking for First Third Bank to return the unauthorized funds with a Determination letter from Citibank dated XXXX XXXX, stated there was No Response from XXXX XXXX, therefore there will be no return of funds. I then initiated a complaint through the Office of Comptroller of Currency with another formal Citibank inquiry on XX/XX/XXXX. A Citibank Letter of Determination dated XX/XX/XXXX stated again - there was No Response from XXXX XXXX, therefore there will be no return of funds. I recently started another inquiry with Citibank on XX/XX/XXXX to keep a new inquiry in process to be able to file a complaint with the CFPB in my hope that you can help me in some way have Citibank fulfill their obligation to protect their clients. I believe that the originating bank, XXXX XXXX XXXX, has an obligation to provide Citibank with the information as to who supplied them the routing and checking account number that belongs to my account and acknowledge that they mistakenly took those funds from my account.
Consumer complaint received 2022-11-21
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. (CA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit ReportingAct, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXXXXXX 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 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hollis Cobb Associates (FL)

I received a statement dated XX/XX/XXXX from a debt collector Patient Accounts Bureau trying to collect a payment for an alleged service my son XXXX XXXX received on XX/XX/XXXX. I thought this was odd since this was a month after my son was born and I had not received any bills prior to this one. I called the number on the statement that says " speak to live agent XXXX '' on XX/XX/XXXX. A man answered the phone and asked how he could help. I told him about the statement and how i had not received any others prior to this one and wanted more information. He then said " for your son XXXX ''. I then said how did you know my sons name if I did not give you any of my information ''. He said " I will need your address and more information to verify your account. I told him I was not giving him any information until he told me how he knew my sons name. He said " Ma'am you do not want to be helped so you will need to call back when you are ready. '' He then hung up on me. I am concerned that my sons information has been stolen. I received a letter a month ago that one of my sons health providers had been hacked and it advised me to be careful with fraudulent bills and debt collectors. I will attach the statement to this complaint. Thank you.
Consumer complaint received 2022-11-27
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: CITIZENS FINANCIAL GROUP, INC. (GA)

My complaint is against Citizens Financial Group/Citizens Bank On XXXX XXXX XXXX  I made my monthly car payment on time. On XX/XX/, my car was totaled. My insurer XXXX contacted Citizens, and sent them a check to pay off my vehicle. The check received was enough to pay off the vehicle loan with a small amount left over. Oddly, Citizens has tried to include a XXXX payment with late fees, in my payoff amount and they will not release me from this loan. Citizens has attached a XXXX payment that is not valid. Citizens was notified of the total loss before a XXXX billing cycle occurred. I have contacted Citizens multiple times to resolve this issue. Yet it remains unresolved and I am ignored. I have spoken with a Supervisor at Citizens who confirmed that Citizens did attach a XXXX bill with late fees, to the payoff amount. I then sent in all supporting documents to show that I do not owe any payments or late fees. On XXXX XXXX XXXX a check was sent to Citizens, on my behalf, from XXXX XXXX XXXX XXXX XXXX This check was to clear up my past due amount with late fees. The check was in the amount that Citizens themselves had required and requested to clear my past due balance with the late fees. After the payment was accepted, I no longer had a past due amount or late fees with Citizens. I have not been late since Citizens received the amount requested to clear up my past due balance. Yet the following month of Citizens receiving the check, they re-attached the late fees that they had just received payment for. I have every document to support my claim that I do not owe Citizens anything. I feel like I am being bullied by Citizens. They refuse to acknowledge that I do not owe them. They are still billing me to date with a daily rate. They disregard me when I call and tell me to just pay it because they're not taking it off. Citizens knows very well that billing is no longer applicable. Along with the XXXX at Citizens confirming that they did attach a XXXX payment after the total loss. The amount requested ( aside from the new daily rates now being charged ) The amount is the equivalence of 1 payment plus the late fees that they have already collected payment. Citizens has now added a XXXX payment! They will not clear me from this loan nor will they give XXXX the title. Citizens is a big XXXX. I am XXXX XXXX XXXX and I feel like they are trying to wear me down because I am a XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Received 7 letters by mail from Chase bank ( one for each of the accounts I had with them ) informing me they have made a decision to close all of my accounts " because of unexpected activity on this or another Chase account ''. I called to inquire as to why as I was shocked to receive such correspondence as I've never even had a fraud alert with them. All 5 of the representatives spoken to could not provide me a reason as to WHY they were shutting down my accounts, which also included a checking account, 3 savings accounts, a debit card, a credit card, a traditional retirement account and a ROTH retirement account. Total assets {$160000.00}. I even went into my local Chase bank and no one could give me an explanation. I have always kept my accounts current, paid my credit cards on time, ( I've never been reported as late to the credit bureaus ) and have never filed any fraud charges with Chase. I have been a customer in good standing for over 20 years. They also closed my kids ' accounts who are all tied to my account. Finally spoke to financial services who advised me that Chase " does this all the time, as they sweep accounts and report them as SARS as they receive incentive bonuses from the government and they target small accounts because they don't really want to manage them anyway and only want large, corporate accounts ''. I feel I am the victim of discrimination. I want an investigation opened immediately and am ready to file legal charges against Chase.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

The payment was missed for XX/XX/ and the company charged a total of {$41.00} for the late fee on XX/XX/ which is also the due date for my minimum payment. There was also an interest charge of {$59.00} on XXXX XXXX XXXX and the monthly minimum payment was between $ XXXX {$80.00}. Both payments of {$59.00} and {$41.00} were understood and that was not the problem. The company Macy 's now claims that I must pay {$200.00}. XXXX and this is a result of the minimum payment for XXXX added to the minimum for XXXX and a percentage of the late fee as well as the interest fee. BOTH representatives I spoke to as I clearly stated for them to hear me ask " So basically I am paying my late fee again " They replied " YES ''. My question is why is Macy 's charging me another late fee for the month of XXXX embedded or camouflaged in my regular monthly minimum payment is this not illegal? There is nothing in their disclosures that state this is how they do business it clearly states {$41.00} dollars and nothing more.
Consumer complaint received 2023-03-03
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I mobile deposited a check in my year old account on XX/XX/2023. Said funds would be available next day. Check caused a fraud notice because citi could not verify check. Account is frozen. Called multiple times and even had XXXX XXXX, where the check originated from, tell me it was valid. If chase can why not citi? Not only can I not deposit this VALID check, ALL my funds are frozen and citi refuses to do ANYTHING
Consumer complaint received 2023-05-26
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. (NJ)

My name is 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 frau