davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

The nightmare started onXX/XX/XXXX when I accidently made 2 {$1500.00} payments. 

*XX/XX/XXXXMade {$1500.00} payment via Citi app *XX/XX/XXXX Made {$1500.00} payment from my banks web bank *XX/XX/XXXX I was informed by my bank that I had and overdraft due to the extra {$1500.00} payment. I immediately moved XXXX to cover the second payment. I contacted Citi and was advised to contact my bank and have them stop the payment since it was going to be resubmitted again that night. 
*XX/XX/XXXX After 2 more returned payments from Citi I called again to see if the issue was corrected.

*XX/XX/XXXX After calling daily without any explanation of why the payments were returned from Citi I re-entered my bank info ( since Citi deleted ).

*XX/XX/XXXX I made a {$200.00} payment that cleared *XX/XX/XXXX Payment of {$300.00} made and cleared *XX/XX/XXXX Payment of {$500.00} made and cleared *XX/XX/XXXXCiti Supervisor advised that hold was placed on the account and that I could not use until XX/XX/XXXX. He assured me that the hold would be removed and that there were no other issues.

*XX/XX/XXXX Payment of {$1500.00} made and cleared.

*XX/XX/XXXX I was on the phone for hours and was told that my account was closed and would not be reopen. Because I was advised to stop pay on the original {$1500.00} duplicate payment it caused my account to be closed.

I have been a Citi customer for years and have never made a late payment!! I make several large payments a month and this card is used for my husbands work expenses. None of the returned payments caused my account to become delinquent. I also paid off a high balance Citi card several months ago.

I am really upset that Citi did this to a great customer who makes their payments ontime-I bet if I was having issues with my payments I wouldn't have been treated like this!! They call when I used my card 2x at a gas station but can not call to advise me of this issue. I guess it doesn't pay to pay your bills and do the right thing!!
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc. (CA)

I leased a XXXX Tesla Model Y from Tesla Motors , Inc. on XX/XX/XXXX with a monthly payment amount of {$660.00}, for a 36-month lease term, scheduled to end on XX/XX/XXXX. 

Through the online account management tool at www.tesla.com, I initiated an early-termination of my lease, which needed to be turned in by XX/XX/XXXX. 

I returned the vehicle to the Tesla dealership located at XXXX XXXX XXXX, XXXX CA at approximately XXXX on XX/XX/XXXX, where I signed documentation releasing interest in the car. 

On XX/XX/XXXX, my monthly automatic payment came out of my bank account. I attempted to resolve the issue with Tesla with no resolution. On XX/XX/XXXX, another monthly payment was drawn from my bank account. Neither of these payments should have bene processed as I released interest in the vehicle, per the terms of the Tesla early termination lease agreement, on XX/XX/XXXX. 

Tesla has not contacted me regarding the termination at all. I have now been faced with financial hardship with these two additional payments being taken from my bank account without my authorization, as those funds are needed to make my new car payment.

Through the Tesla app, I can see that the vehicle is parted at XXXX XXXX XXXX, XXXX, which appears to be a car lot storage.
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frank, Frank, Goldstein & Nager, P.C. (NY)

I received a letter from a law firm called Frank , Frank , Goldstein & Nager PC. in early XXXX regarding bills they claimed I owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent them a letter disputing the debt, because the fees had already been paid, and demanding they validate the debt and instructing them to stop contacting me. 

The firm never validated the debt. Today I received essentially the same letter as I received in XXXX, seeking to collect the same debt. 

I have repeatedly tried to contact XXXX XXXX XXXX regarding this issue over the last two years as well. They simply do not respond. I have brought it up with my treatment provider during our visits as well, and they inform me they " will take care of it '' but the issues are never addressed. I am a XXXX XXXX  and the stress of being harassed by debt collectors is taking a negative toll on my health.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

I've had an account with Chime for more 3 years now, in which I have my XXXX check deposited every month. Starting back in XX/XX/XXXX of XXXX I started noticing different things with my account first off they never gave me the XXXX refer bonus they promised, then they have my phone number and a woman named XXXX, under the same phone number attached to my account so that has become a problem with different transactions which I contacted Chime about on many different occasions starting in XXXX of XXXX of this problem to no avail. I also noticed unauthorized transactions coming from XXXX XXXX XXXX XXXX XXXX XXXX, I've had this problem with XXXX through several different accounts now, so I also contacted time to dispute these to dispute these transactions, in which after going through the process several times they denied I even rebutted because they denied ( in less than 24 hours they said they had investigation the problem, ) I have disputed the same transactions with time on about eight different occasions starting at XXXX all the way up until XX/XX/XXXX of XXXX. The problem with XXXX having the same number as as I has cost me money also because when transferring money to another card it paid XXXX instead of me which I also contacted talking about several times disputing this problem and to no avail also. I also have contacted the time because when I signed up for my account I was told that I would have a {$200.00} spot me account where if need be after meeting their requirements which were I was to have a direct deposit every month and stay in good standings with them which I have yet I haven't gotten the perks from what they promised in fact their spot me program also has where friends boost each other {$5.00} a month and I don't even get my spot mes, from other members that send it to me I've also made them aware of these problems this problem to no avail. Several times now I've reached out to time and that associates to have these problems fixed after making sure that I had followed all the rules and regulations and got the federal guidelines yet Chime does not has not done the same I've attached documentation to prove what I'm saying thank you for your help.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Experian failed in their duties concerning the XXXX XXXX account in several key aspects : 1. **Verification of Debt : ** Experian did not adequately verify the debt with XXXX XXXX XXXX . The information provided by XXXX XXXX, including the lease agreement with a signature that did not match the consumer 's identification, should have raised concerns about the accuracy of the debt. Experian 's failure to ensure proper validation contributed to the reporting of potentially erroneous information on the consumer 's credit report.

2. **Dispute Resolution : ** Despite the consumer 's dispute regarding the accuracy of the information, Experian did not conduct a thorough investigation. Instead, they merely accepted the information provided by XXXX XXXX XXXX without further scrutiny. This neglect to address the consumer 's dispute directly violated the Fair Credit Reporting Act ( FCRA ), which mandates prompt investigation and correction of disputed information.

3. **Responsiveness : ** Experian did not respond to the consumer 's subsequent complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Their lack of responsiveness to regulatory inquiries demonstrates a failure to prioritize consumer protection and compliance with federal regulations. 

In summary, Experian 's handling of the XXXX XXXX account illustrates a failure to fulfill their obligations under the FCRA, including verification of debt, dispute resolution, and responsiveness to regulatory inquiries. This negligence has led to the inaccurate reporting of information on the consumer 's credit report, potentially harming their creditworthiness and financial standing.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

CONVERGENT OUTSOURCING is falsely reporting on my credit with a Balance of XXXX and Account number XXXX. CONVERGENT OUTSOURCING is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have XXXX  days for a reinvestigation. I will also be seeking monetary relief per violation for : XXXX. Defamation of character XXXX. Negligent Enablement of Identity Fraud XXXX. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  1995 ), you may be liable for your XXXX non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.
Consumer complaint received 2022-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I sent off a letter on XX/XX/2023. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I had someone open an apartment under my identity in another state that I do reside, now they want XXXX XXXX from what I was told seemed like no one even moved into the unit. XX/XX/22
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (KY)

My name is XXXX XXXX XXXX and I purchased 2 money orders ( $ XXXXeach ) from a Western Union kiosk in XXXX or XX/XX/2023 however during transport to my house, I lost the envelope containing the money order and receipt. I returned to the kiosk where they provided me the order numbers I then contacted Western Union customer service via email requesting that they utilize the order numbers to investigate and refund the money orders. They said it takes 6 weeks to process but despite attempts to follow up, there has been nothing done to recoup my money. I've tried calling customer service but their automated systems say the customer service can not assist and directed me to refer to their email but still nothing has been done.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I noticed XXXX XXXX XXXX XXXX  ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. XXXX lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing law suits going against them for their neglect and malpractices I wont hesitate!!!
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NC)

My American Express Statement closing XXXX XXXX  had a closing statement balance of {$9500.00} that was due on XXXX XXXX  to avoid an interest charge. I made a payment of {$9600.00} using a XXXX balance transfer check. This payment was posted to my XXXX account on XXXX XXXX, one day prior to the America express due date of XXXX XXXX. When I received my American Express Statement closing XXXX XXXX, I had an interest charge of {$300.00} for the XXXX closing amount. My XXXX payment was not posted to my American Express account until XXXX XXXX, one day after the due date that would have avoided the interest charge, even though American Express processed my payment to XXXX on XXXX XXXX. In addition, on my AMEX statement closing on XXXX XXXX, there was an additional interest charge of {$200.00}, even though my balance due had been paid in full. 
I've had several discussions with American Express in XXXX and XXXX to waive the interest charge, but they have denied my request.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc. (KY)

I'm extremely frustrated with Sterling background check services. I've submitted my details as a result of offer employment on XX/XX/XXXX. I've received a deficiency request on XX/XX/XXXX and I provided them the details on the same day. My date of joining was early XXXX. 

Currently, the criminal check is pending from one county in Kansas. The anticipated date of completion of the check was XX/XX/XXXX. However, the completion date ( with escalations ) was pushed back to XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and now I have no idea when it is expected to complete. I'm sure a background check should not take 45 days. 

I have to call them to find out the dates and all the support representatives say is to wait until the targeted date. When I call them on the said date, they say it is postponed to a future date. All the representatives suggest is for me to ask the company that offered me a job, to let me work without Sterling doing their job of finishing my report. 

The financial loss and XXXX that Sterling is causing me is immense. All I ask from them is finish my background check at the earliest.
Consumer complaint received 2022-12-02
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)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-01-02
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AZ)

In 2000 I had a satellite dish installed. It was placed incorrectly and never worked properly. The company XXXX XXXX was sold. I tried to speak with a person who could fix the satellite dish but nobody cared. 
IC systems tried to collect the debt two years ago. I explained the problem and they stopped collection attempts. 
Suddenly in XXXX they started again. 
My account number with IC systems is XXXX. 
Please help.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which Experian, XXXX, and/or XXXX obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX XXXXn pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA.

XXXX  confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. XXXX has since deleted XXXX from my report which also needs to be deleted from Experian and XXXX for consistency in reporting. 

Due to the aforementioned negative details on my Experian, XXXX, and XXXX report need to be removed and accounts updated to paid as agreed. FCRA
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.