davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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: CITIBANK, N.A. (IL)

Citibank account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD PERSONAL HARSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2020-03-31
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. (GA)

There is a debt from XXXX XXXX XXXX listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If XXXX XXXX XXXX can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

**A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

**Documentation showing I agreed to pay this alleged debt. 

**The Agreement that grants XXXX XXXX XXXX the authority to collect on this alleged debt. 

**A copy of XXXX XXXX XXXX state license ; including license number.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OK)

Debt collector ( XXXX  XXXX  ) contacts me multiple times per day. They leave a voicemail message if I do not answer, which counts as contact. As an example, they called me twice on XX/XX/2020 from phone number XXXX at XXXX and XXXX. They left a voicemail message at XXXX, but continued to contact me. I have spoken with the company previously and advised them they are in direct violation of consumer rights. They have disregarded my requests to stop contacting me, and continue to do so. 

Additional number they have called from : XXXX XX/XX/2020 at XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX They are very clearly number spoofing in an effort to have me answer their phone calls, which is another clear violation.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ME)

American Express SERVE suspended my account with XXXX in account. Both my last payroll and Social Security check. No way to access or talk to anyone. Call customer support and get automated " suspended permanently ''. Can not get money out, pay bills, order food, get meds. I am XXXX and in quarantine. Absolutely not a XXXX on me. Tried XXXX, XXXX, and am told to call customer support. Can not log in to get info if my money is still there. I have no idea what to do.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

I had several calls from a company acting like the real AFNI Collector 's agency that XXXX XXXX XXXX uses when people don't pay their bill. I called the real number for AFNI provided by XXXX XXXX XXXX and they said for several days now that their system is down. The letterhead I'm receiving is from a fake AFNI collector 's company. I noticed they have a different XXXX XXXX number and a different contact number on the form that XXXX XXXX XXXX has provided me with. The hackers or thieves trying to get money from people are sending out what looks like real bills collecting funds owed to XXXX XXXX XXXX. These are fake bills that they are posing to be the real AFNI COMPANY. AFNI does work with XXXX XXXX XXXX to collect fees not paid on a timely manner. If you don't pay the fake company for AFNI - they somehow put the amount of XXXX on my credit reports. Very serious fraudulent activity going on here. Please help by passing this on. I had done my own research to find all this out! I hope this helps someone out there. DO NOT PAY this if you know it's not your responsibility.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I disputed a charge with my financial institution over a month ago because an XXXX driver tried to scam me out of {$150.00} for a fraudulent cleaning fee. XXXX canceled the fraudulent charge and my bank canceled the dispute. I have been trying since XX/XX/XXXX ( it is now XX/XX/XXXX ) to try to get my XXXX XXXXXXXX out of my Venmo account so that I can pay my bills with no resolution. I have provided the necessary paperwork and my financial institution has contacted them directly multiple times. They will not tell me when I will be able to access my money and have suspended my account. I was a victim of fraud and Venmo is doing nothing to resolve this. I have submitted many support tickets with no resolution. I have been unable to purchase XXXX gifts or pay my medical bills due to this.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I had a bank account with US BANK with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my US BANK account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to XXXX   XXXX XXXX in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XX/XX/XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call US BANK which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bright Capital Inc (TX)

On the XXXX of XX/XX/2022, XXXX withdrew {$88.00} from my checking account without my knowledge or consent when I had signed up for a free trial. I have tried to contact them via chat and email with no response. I can not find a phone number to call their customer support.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERICAN EXPRESS COMPANY (CT)

My account was locked and I wasnt aware about it until after I tried to put money on my card. Ive been going back and forth with American Express and they keep telling me to send a letter to a address. In which, Ive sent the letter multiple times and never received a call or a email from them. I want this problem to be solve because they are withholding my money from me and when I called them they said that my account was in the negative. I dont understand how my account is in the negative when the last time I checked I had over {$500.00} in my account and they dont want to do anything about it except give me the run around
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

In the middle of XX/XX/XXXX, I went to my computer to check on my bank account that I have with Wells Fargo in XXXX, Oregon and I was shocked to see that a mobile app came in from my XXXX  XXXX credit card in the amount of {$510.00}, which paid off the credit card. I had some money in my account, but not that much, and it went in severe overdraft. The overdraft charges were over {$300.00} and still coming as the bills that are paid automatically kept coming through. When I went into the bank in XXXX of XXXX, I told the bank manager that I was going to open an account at another bank because I needed to find out what happened. 
I called XXXX XXXX and they denied everything and said that they could not help me. 
I put a claim into Wells Fargo and waited for a response. Wells Fargo stopped payment for the {$510.00} but there was still all the overdrafts. 
On XX/XX/XXXX, when I called Wells Fargo and talked with XXXX, the bank manager, and she said to me that when I came in to tell her about the mobile app in XXXX, she said that I told that I told her I overspent that month and would she help me out with the overdraft charges. That is so not true, either she does not remember or she is not telling the truth. Then she connected me to the claims dept at WF and I talked with a  claims person and he told me that the mobile app came in XX/XX/XXXX and that is not true, it was in XX/XX/XXXX. I do not think they would want to perjure themselves in court. People are all telling different stories and I do not know why. I am a senior citizen and I believe some people are taking advantage of me.
Consumer complaint received 2020-03-31
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: SYNCHRONY FINANCIAL (TN)

I am a victim of identity theft through Paypal credit card issued through Synchrony Bank, and have reported this via a FTC Identity Theft Report. After much work on my part, the company appears to have finally closed the account ( after a five month delay ). As is my right under Section 609 ( e ) of the Fair Credit Reporting Act, I have been seeking records relating to the fraudulent account from Synchrony Bank and Paypal since XXXX, XXXX. I have written letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With each of these letters, I enclosed the required documentation, including police reports, proof of identity, my FTC Identity Theft report, and account numbers. I have telephoned them multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others. Each time I inquired about this issue, the service representative specified a different address to which I should send my letter. I followed their instructions about sending the documentation and used the addresses they provided to me.They have ignored my demand for this information and have not provided any rationale for their lack of action. I demand that they send to me all records they have about this fraudulent account, as is my right under Section 609 ( e ).
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have filed a previous complaint against XXXX and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting  creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2020-03-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a new Citibank account, and deposited {$15000.00} on XX/XX/XXXX, in order to receive the below promotional deal. 

Citibank somehow opened 2 accounts in my name. I called in and said I didn't need 2, they closed one,  confirming that they were keeping open the one with the promo applied. 

My {$15000.00} transfer left my XXXX XXXX, labeled as Citibank, but never showed up in my account. Citibank denied any knowledge of the transaction, even when given all of the information directly by XXXX. XXXX filed a fraud report, and 2 months later the funds were returned to my account. 

Citi now claims the promotion had expired, even though there was a new promotion that started XX/XX/XXXX that was exactly the same, and refuses to honor the deal. I have been told 3 times that a manager will call me back but it never happens. 

It also took me another month to access my account, due to an error with their site, and then an error with their shipping of a new pin, during which time I was denied access to my funds. So to date they have withheld {$20000.00} of my money for 3 months with no apology or explanation.

This is one of multiple issues I have had with Citibank not fulfilling their agreements and their mysteriously vanishing promotions. 

Closed account : ending in XXXX Savings Account : ending in XXXX Checking Account : ending in XXXX Promo : Sign up for a new Citi Priority w/Savings Account, deposit funds within 30 days, keep in for 60 days after depositing, receive a {$400.00} reward on {$15000.00}, or a {$200.00} reward on {$5000.00} XXXX https : //banking.citi.com/cbol/checking-tiered-offer/default.htm? XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica (WI)

I have received over XXXX calls from direct express about a debit card. My son just got this phone # and I called asked them to stop which they said they couldn't do. I just want my sons phone number removed from their database. 
Phone number they are calling : XXXX