davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I called Citibank to report some fraud charges that were made out state on my account, my wallet and everything inside was stolen from me, i mentioned to the bank that inside my wallet was a piece of paper containing my pin, the bank did their part and initiated my claim, to my belief was that all transactions were added to my claim, little did i know that the bank on their end did not add these 3 transactions, due to what reason i do not know, Bank issued come temporary credits and that's when i realize i wasn't getting all the credits i reported back, i call Citibank once again after i already had received my new card in mail and just to mention Citibank did not change my pin, only issued a new card. The representative that helped me told me that those transactions were not added to the claim when i clearly told them to add them, the failed to do so on their end, the person helping me then initiated a new claim for the missing 3 transactions, as they were not already taken care of, he did the claim and told me wait a 10 day period for credits while we investigate, i waited, days passed no emails no messages on mt Citibank portal nor mail to my address regarding this claim process etc., i took it on my end to call again to Citibank to get an update to find that my claim was denied due to not enough evidence, Citibank never reach out to me regarding evidence or anything in this matter towards my claim and denied it, Citibank is a bank and I'm a customer who reported the transactions i deserve to be treated fairly and get compensated back from my stolen monies, i ask for help to the XXXX XXXX XXXX to help reach an agreement with Citibank as me and my family can't bear this lost and its affecting us really bad, if you can come to a conclusion on all this and a better outcome me my family and everyone would appreciate it. We definitely need it right now with inflation and etc. it's really tsking a toll on us. 

Tranactions amounts and dates : 1. {$160.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$100.00} - XXXX XXXX, 2022 Total was {$390.00}
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (LA)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had 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 an account without my written instructions.
Consumer complaint received 2024-04-04
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. (IN)

Many years ago XXXX reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well Equifax and XXXX all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. XXXX, as well as Equifax and XXXX are all ignoring the emails to keep my credit score low.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Fraudulent XXXX charges from XX/XX/XXXX, XX/XX/XXXXay 1 and May 2, 2021 appeared on my Jet Blue Mastercard. On XX/XX/XXXX when I first saw the pending charges from XX/XX/XXXX and XX/XX/XXXX, I called Mastercard and advised them not to authorize the payments. While the XX/XX/XXXX charges were not authorized, the XX/XX/XXXX ones were approved. On my XX/XX/XXXX statement there were other fraudulent Uber charges. In all, they amounted to over {$130.00}. I have called Mastercard several times. They have twice removed the charges and then placed them back on my account. 
When I received my most recent bill,, there were still {$120.00} in unauthorized, fraudulent Uber charges that were never made by me or my son who is an authorized user. What is most disturbing is that the Fraud Investigations agent who I contacted by phone on XX/XX/XXXX, by the name of XXXX, told me that her notes indicate that all Uber charges on my account, totaling over {$130.00} were not valid according to the notes from my previous 5 calls, and she couldn't explain why they were first taken off and then put back on my most recent statement. When I asked for a supervisor, she said none was available and it would take several days to contact one to reach out to me. 
I told Mastercard on several occasions the source of the fraudulent Uber charges. My son made a purchase from XXXX XXXX on XX/XX/XXXX for his XXXX XXXX XXXX graduation. He received a letter dated XX/XX/XXXX from XXXX stating that many students who purchased from XXXX XXXX had fraudulent charges on their credit cards. XXXX XXXX was hacked and also contacted my son to acknowledge this. Despite having this information that I provided both verbally and in writing to Jet Blue Mastercard, {$120.00} of fraudulent charges appear on my latest statement dated XX/XX/XXXX. I have no confidence in Mastercard 's ability to resolve this matter. I also mailed to Mastercard a copy of XXXX 's letter proving the fraud. Neither I nor my son made any Uber charges ever on my Jet Blue Mastercard. All should be permanently removed from my account and I should be reimbursed for at least one that I mistakenly paid with my XX/XX/XXXX statement.
Consumer complaint received 2022-10-21
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current (NC)

I received emails from Current thanking me for opening an account with them. I had not opened such an account. I submitted a complaint online and after much back and forth via email, they gave me a phone number ( XXXX ) to call. When I spoke with the Current representative on XX/XX/2023 at XXXX ET they said they were escalating to their fraud department. He confirmed that my DOB and email were used to open the account but could not tell me any portion of the SSN used and only my state for the address. 
Since the XXXX, I've received nothing from their fraud department and continue to get emails from Current about fees I will incur, including for lack of activity on the account. 

I called their XXXX again today, I was advised to wait 24-48 hours from my original complaint to hear from their fraud department. It has been much longer than that already so I asked them to connect me to the fraud department. She stated they only had an email address, no phone number on file for the fraud dept. So I'm left waiting with no resolution... this is unacceptable.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-07-25
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. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

After closely review the documents I requested I find that this debt does not belong to me someone else use my name or person with same name also I notice that the account number XXXX is different from what they are reporting on my credit report which is XXXX thats false reporting also the date of service show XX/XX/18 on that debt was open on my credit report on the XX/XX/18 thats just one month Before it was report to my credit thats information dont match and this is false information reporting I attach the false document thats was presented to me on whats on my credit report
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$12000.00} CXXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.
Consumer complaint received 2018-12-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

XX/XX/XXXX - I contacted M & T Bank ( XXXX NY ) to close out a CD ( {$25000.00} ) account. They could not find a record of the account. Account was originally with XXXX XXXX  ( XXXX, MD ). XXXX Bank folded in the financial crisis and their bank assets were sold to M & T Bank in XX/XX/XXXX. M & T Bank said they would " research the CD and  contact us with results ''. They gave us no point of contact or any identification number/name for who could be contacted about that action. We heard nothing for over a month. 
XX/XX/XXXX - I mailed a certified letter to M & T Bank asking them to give us a point of contact or other information so we could be kept informed of progress. A copy of the CD was included with the letter. I received no response to that letter. 
XX/XX/XXXX - Having heard nothing, I called M & T Bank Customer Service to find out the status of the CD search. I talked to several people ( who checked with their supervisors ). They had no record of the certified letter I sent ( I have the USPS receipt that M & T Bank signed on delivery ). They did not know anything about the CD or what was being done about it. The phone call ended with no explanation of what could be done next to find out what, if anything, is being done to find the letter or otherwise resolve this problem. A copy of the letter to the bank is attached.
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc. (MI)

I was discriminated against national origin. The school held me back from XXXX XXXX  and allowed XXXX of XXXX  in from XXXX through now. I dont believe my student loans and debt is fair. Cases have proven that those XXXX XXXX pay three times more then me as an American. They also have Allies in other countries. I attempted XXXX because I found no way out. Ive been XXXX for XXXX years and want to finish my XXXX program now that I am healed by God.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have requested the erroneous accounts be removed from my account. I do not own these account nor have I ever. I have provided all the proof that is required to get these accounts removed. The company hasn't given proof accuracy of any of these accounts this completely goes against the FCRA. This is ruining my life!
Consumer complaint received 2022-10-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance to the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX These companies has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights 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.C.S 1681 ( c ) ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (WI)

XXXXXXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (NJ)

I sent a letter last XX/XX/XXXX, to remove these inquiries that are 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 inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again 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 2023-06-06
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. (NJ)

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 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 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company transunion. I would like these things to be taken off my credit report.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NJ)

Bills are past due and I really need access to my funds. My account was frozen after withdrawing funds ( multiple withdrawals adding up to about {$560.00} ) from my PayPal account to my Venmo account via my Venmo Debit card ( I do not have a PayPal Card and needed to withdraw funds via ATM ). I am 100 % verified on both accounts and never had any issues. I have provided my ID, as well as a selfie of me holding my ID as requested for verification purposes. I am willing to verify my identity via video call as well. Whatever it takes. I live paycheck to paycheck and this freeze on my account is putting my family at risk of becoming homeless. If Venmo 's security system was triggered for or was not satisfied with me adding funds via the method used, I am ok with Venmo reversing my withdrawals back to my PayPal account. I have a beautiful XXXX XXXX XXXX XXXXr and a XXXX XXXX XXXX XXXX I ask that Venmo release unfreeze my account and allow me access to my funds. I can not wait even a day longer. It has been a week.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I have been trying to work with Specialized Loan Servicing company since XX/XX/XXXX on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. 
I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. 
Last Monday XX/XX/XXXX i called XXXX who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times i had called. So i lost my cool from being frsutrated and overwhelmed for not getting the help i was asking for and for the process taking for ever before a resoulution is found. 
After i sent my papers last Friday XX/XX/XXXX i walled again this Monday XXXX and i left a message for that same person to call me back and she never did. So i called the help line and i was told the papers didnt download yet so i thought maye thats why i was not called back. 
So this morning i called again and left a message to be called back and no one called me yet and it has been 4 hours. In the past it would only take 20min for the call back. 
I have not paid in 4 months. I am very concerned about loosing my house, time is being waisted and no one seems to care. 
I need help!
Consumer complaint received 2023-07-25
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)

I asked XXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX2023 XXXXXXXX XXXX has 15 late fees I paid off when I paid the balance in full XX/XX/ 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for Experion, XXXX and XXXX to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.