davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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 — Problem with personal statement of dispute
Company: Bay Area Receivables, Inc (MD)

BAY ARE RECEIVABLES add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, BAY ARE RECEIVABLES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: First Credit Services Inc. (PA)

I received calls from a collections agency called First Credit Services in XX/XX/XXXX about a debt for roughly XXXX dollars for a gym that I never used that I was being told I still owed money for. I attempted to dispute the claim from the standpoint that I had moved from the area and no longer could access that gym. I sent them the appropriate paperwork within the 30 day time period and never heard anything from them again for more than four months until in the first week of XX/XX/XXXX it showed up on my credit report. I called them for clarification and they said they received my documents on XX/XX/XXXX and my dispute was denied by the creditor. However, the collections agency never sent me any documents to inform me of this denial or made any attempt to reach out to me via phone or any other means before reporting it to the credit bureau
Consumer complaint received 2023-01-17
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. (TX)

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 2020-03-10
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: CITIBANK, N.A. (CA)

In XXXX of 2015 I was laid off from my job. CitiCard made it very difficult to work with them on a financial hardship plan. Every time I would call the bank, their customer service representatives we're difficult to work with or inexperienced and not helpful. This resulted in getting late payments posted to my credit reports from XXXX 2015. I have had a clean payment history since. I would like for CitiCard to improve their support for members going through financial hardship and work with me on a goodwill adjustment of the late payments in 2015.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 - I bought a game console for XXXX on XX/XX/2020 from XXXX. I used a credit card with XXXX. 
XX/XX/2020 - XXXX XXXX says " Delivery completed, '' contacted XXXX, and confirmed the sender shipment to other locations. 
Also, I tried to contact the seller, Not answering my call from the seller. so I applied for fraud on my credit card, XXXX, XXXX XX/XX/2020 - The Present, XXXX says the package has been returned to XXXX, and XXXX and XXXX didn't help. XXXX  does not open information on fraud and does not change my shipping information. The credit card company says it can't give you a refund because it comes out " delivered ''. Requesting XXXX  to change the Shipping detail, but didn't. XXXX Said contact XXXX. I under his jurisdiction to contact XXXX So I contacted XXXX and they said they couldn't change it because the tracking number had arrived properly. 
The same city sent packages to different addresses. And returned back the package went to the sender. I've never seen such a case before. I sent a message to the seller continuously and contacted XXXX. XXXX said sellers send a package to XXXX, XXXX XXXX CA XXXX. But my address is XXXX, XXXX XXXX CA XXXX. That is a different address. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I explained this fact, but I received a letter saying that it was settled by closing the case without refunding it. I called several times to Bank of America for an appeal of my case, they said just wait.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

The company in question Citibank, Violated the Electronic Fund Transfer Act. They reported to the Consumer Financial Protection Bureau that the matter was resolved by refunding me {$17.00} on XX/XX/XXXX For a check book for a new checking account which I had no choice but open because My other checking account was compromised with an illegal Wire Transfer for the amount of XXXX was blocked by Citibank. I received a phone call from Citibank in XXXX of XXXX about the suspicious wire transfer and other activities on the account and I told the Citibank representative on the phone that I did NOT make that transaction, I also asked the person on the phone " How will I be certain you're not are a scammer? '' I hung up the phone and validated the phone number and information that it was indeed Citibank. Also, I received emails to my two of my separate email accounts from Citibank about myself registering for Wire transferring services and the wires transfer of {$1300.00} and I responded to the emails clearly telling them that it was not me and I do not know that individual who received the wire transfer from me. Citibank CLEARLY violated the Electronic Fund Transfer Act, I would greatly appreciate your help in this matter and look further into it because there are thousands of other victims like myself and Citibank is not taking accountability but blaming us, Their long time customers. Thank you.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (MI)

This company has stolen my personal identity and has used it to profit, without my consent. This constitutes an unlawful purpose. They are selling my private information without my knowledge or consent. Theyve refused to rectify the situation in any manner. Theyve refused to delete the unverified, invalid information. This is even after I made them aware of the discrepancies. Them taking and using my identifying information is a crime. I have no contract with them. I havent provided express consent for them to create or furnish any information about me. This has cause me significant damage and has restricted my ability to apply for credit.
Consumer complaint received 2023-01-17
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: CLGF Holdco 1, LLC (TX)

XXXX XXXX  XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( S ) MAKING THEM NULL/VOID. I WASN'T AWARE THAT XXXX XXXX XXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY 3RD PARTIES ( CREDIT BUREAUS ) WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER. 

Account number XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (WA)

The Indigo Platinum Mastercard is issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX serviced by Concora Credit Inc. XXXX XXXX XXXX, CA Collection Agency License XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not available in the authenticated user session for current accounts, or on the website. 
They force the consumer to submit a online form to request the terms in XXXX weeks via postal mail delivery. 
Per the law, they have to provide the terms to the end user on the cards website, or have them accessible by the consumer on the website for the end user to review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( a ) IN GENERAL.Section 122 of the Truth and Lending Act ( 15 U.S.C. 1632 ) is amended by adding at the end the following new subsection : ( d ) ADDITIONAL ELECTRONIC DISCLOSURES. 
( XXXX ) POSTING AGREEMENTS.Each creditor shall establish and maintain an Internet site on which the creditor shall post the written agreement between the creditor and the consumer for each credit card account under an open-end consumer credit plan.
Consumer complaint received 2023-01-17
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)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 Balance : {$8400.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XX/XX/2020 I received an email stating that USAA was revoking all business with me. On XX/XX/2020, my account would be closed and all funds would be held until that date. I have fought tirelessly for my money. I was told by XXXX XXXX that it could not be closed early but a check request would be issued regarding the stimulus funds.In other words, I would have to wait until XXXX XXXX. Well it is XXXX and the account is still open and now I am being told that it is because money of another fraud case or something. I don't have a fraud case open. I don't know what type of mess they are making up. I have been sent over 5 letters stating that the account would be closed on XXXX XXXX. I even have one document stating XXXX XXXX. I don't care what the issue is USAA has -- -- -I just need my money ASAP. When I called about it tonight, the rep said the fraud department would call me back in 2 days. I don't have two days, especially when there was a letter sent to me stating that I had to wait until XXXX XXXX. I want my money.
Consumer complaint received 2021-01-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX XXXX Visa / XX/XX/XXXX reported to Transunion that a payment from XX/XX/XXXX was reported late. This is inaccurate information. A payment from XX/XX/XXXX was never late.
Consumer complaint received 2024-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sher & Shabsin PC (MO)

Contacting my employer for a XXXX XXXX XXXX debt for garnishment that is not my debt. 
XXXX XXXX REQUESTED BY SHER AND SHABIN P C XXXX ACCOUNT XXXX XXXX XXXX The collection company forfeited all rights when bankruptcy was filed in 2022 Also, I have been a victim of collection and fraud scam Identity theft Trying to force me to file a XXXX  XXXX, to add debt to my name that is not my debt.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (TN)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (CT)

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AR)

I have called and contacted navy federal numerous times. They closed my account but never gave me any information why. They said it was due to fraud which I have no idea how when I got my account access number from my sister. I opened my account and had it for months before navy federal all of a sudden with no notification closed my account and when I call they will not give me any information on the details of why my account was closed. They still send me monthly statements of my account balance but will not let me into my account
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

My coworkers XXXX account was hacked and I got a message asking to send money. My coworkers name is XXXX. She said she has reached her daily spending limit but needs to urgently send money to XXXX XXXX. She asked me to send it to her directly and she'll pay me back the next day. Since I see her everyday I didn't think anything about it. She sent me XXXXXXXX XXXX XXXX account ( XXXX ). As soon as I sent the money, my XXXX, XXXX and XXXX got hacked. I never recovered my XXXX and had to completely deactivate it. I have had to change my passwords for everything, change phone and bank account numbers. I have filed a police complaint and my bank has identified XXXX as a Chase customer and yet Chase won't help. My friend confirmed the next day that her XXXX was hacked and she never sent the message as she was never able to get into her XXXX. 4 of her friends got scammed. This person went after my friends on my XXXX account as well. Please help. My bank advised me to call Chase and ask them for help since I've filed a police complaint. However, when I called Chase, they won't even listen to me. They said they need to protect their consumer 's interests and won't deal with me at all. I got scammed Monday night, XX/XX/21. I sent a total of {$440.00} to this person who hacked into my friend 's account. I even called XXXX and reported this. They said they would deactivate this person and report this to the bank and credit bereau but hours later I was still getting messages from my friend that this person was impersonating her and messaging her friends asking for money using the same name and account so I was obviously lied to. Chase won't even give me my money back. When I called Chase, I also came to know of an account that I never created with them. Please help me get my money back. The police case number is XXXX. 

With many thanks, XXXX XXXX
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (TX)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : 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 2021-01-13
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: SYNCHRONY FINANCIAL (NJ)

I have recently checked my credit and it seems unauthorized credit attempts are on my credit report. I am showing from a XXXX XXXX XXXX XXXX, Syncb/tjx Dc XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 and XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 SYNCB XX/XX/2020 XXXX XX/XX/2020 also these phone numbers have been calling me about my credit XXXX ; XXXX ;
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

This is my other 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I am inquiring about the recent Wells Fargo mishaps and the over XXXX XXXX dollar lawsuit. I personally have had Wells Fargo as my bank for over 15yrs, and within the last couple months have had so many issues with my account. At times my account was over drawn, when it should not have been. Each incident this happened, I would contact the branch or Wells Fargo customer service to make mention of this error. Nothing was ever really fixed when I called, always given the generic run around. I personally had to pay these fees each time from my direct deposit checking account. I feel that due compensation for those errors are in line, especially after seeing reports of the mishandling of customer accounts with Wells Fargo. Please advise further how I can place my claim to have this situation rectified. Thank you Kindly!
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (MA)

I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I have disputed information that is on my Equifax credit report. I had a car loan that was charged off by XXXX XX/XX/XXXX. According to XXXX 's records my first date of delinquency was XXXX, XXXX. This date is not correct. The date of first delinquency is XX/XX/XXXX. Whether it is XX/XX/XXXX or XX/XX/XXXX still does not change the fact that this should have been removed from my credit report. According to EQUIFAX and the other credit bureaus, charged off accounts will be removed from the date of first delinquency. XXXX is no longer reporting any information on my credit report prior to XXXX because they are trying to keep negative information on my credit report. Reporting XXXX would allow Equifax to know that this account was delinquent way before XX/XX/XXXX. I disputed this information with you already and in XXXX 's response they said that my date of first delinquency was XX/XX/XXXX. Why is this information still on my credit report?
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (DC)

I paid my credit balance in full to American Express on XX/XX/XXXX. So at this point the balance is reduced to XXXX. Then on XX/XX/XXXX American Express charges me interest on my balance, but the balance is already XXXX. They charged me interest based on the assumption that I did not pay my balance in full. However the reality is I paid my balance in full two days ago. I tried to explain this to American Express on XX/XX/XXXX but they would not issue a credit for the interest charges. I would like to file a complaint to American Express to get my XXXX interest charge removed.