davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
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: CITIBANK, N.A. (OH)

In early XX/XX/2021 I noticed four unauthorized charges on my Citibank Costco credit card totaling {$2100.00}. All charges were dated XXXX, three were to the XXXX XXXX and one was to the XXXX XXXX XXXX. Neither my wife or I have ever been to a professional football game or a XXXX XXXX XXXX baseball game. 

I immediately contacted Citibank and reported the charges. They sent me some dispute documents which I filled out and returned. 

On XXXX I received a letter from Citibank dated XXXX stating that their investigator has determined that I placed the order and was responsible for the charge. It also advised that if I did not pay they would report it to the three consumer reporting agencies. 
The letter was unsigned and no contact information was on the letter. 

On XXXX at XXXX I contacted Citibank ( via their customer service number ) named XXXX XXXX who claimed to be a supervisor but was unable to locate the Investigator who handled my dispute or provide his name. 

I am a retired XXXX ( OH ) Police Department Detective ( XXXX yrs service ) and was the XXXX XXXX at the XXXX XXXX ( OH ) for 17 years. I have extensive experience in XXXX XXXX investigations and Fraud and Economic Crimes investigations, including credit card and related crimes. 

I know I am not responsible for the fraudulent acts of other on my credit card but it appears to me that Citibank is trying to " bully '' customers into paying for fraudulent charges made on their credit card.
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NC)

Wakefield & Associates sent a written notice of a medical debt owed. I responded by mail using a tear off from the original notice to request verification of the debt. They have record of receiving my request on XX/XX/2022. As of XXXX XXXX I have not received a response or verification of this debt. This debt collector did not respond within 30 days, however they are still attempting to collect on this debt. I received a notification via text on XXXX XXXX from XXXX stating " This is a notification from Wakefield * Assoc. a debt collector. Reach us at XXXX ''.
Consumer complaint received 2022-02-11
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. (FL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME
Consumer complaint received 2022-02-12
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 am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX attached thanks.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (GA)

This company has wrongfully added a derogatory mark on my credit. This account is passed the statute of limitations. This company is not the original creditor and has been sold to another company who has bought the debt and now I no longer owe it. The statute of limitations is 4 years and its has been XXXX. Please remove from my credit. Or prove I owe the debt.
Consumer complaint received 2018-03-01
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)

This has been going on since XX/XX/XXXX, My mortgage account with XXXX XXXX XXXX   is showing as closed on my Experian credit report, with numerous disputes and even a phone verification in XX/XX/XXXX, Experian continues to report my account as closed, I am unable to get a home equity line of credit or loan because my mortgage is not reflecting on my report, this is causing me stress and harm because am unable to get my financial needs met related to this situation, I will be seeking legal action, it is my right to have my credit report reflecting accurately. 
XXXX is stating that there is nothing they can do and Experian is stating that there is nothing they can do so I am left in the middle holding the bag with nothing in it!! Completely frustrated and disappointed.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

I have my property taxes in escrow with Freedom Mortgage. While doing a home equity loan with another institution I was informed my property taxes were delinquent and I could not proceed. I contacted customer service. XXXX informed me that I needed to send an email to customer service and they would respond within 48 hours. 72 hours later, no response. Made second call and spoke with XXXX ( ID XXXX ) she informed me a resolution has not been made, but a target date was scheduled for XX/XX/2018. I am now over 30 days delinquent and have accrued over {$100.00} in penalties and interest.
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

In late XX/XX/XXXX, I went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, in order to get two phones as I was replacing my personal cell and there was a special to get the 2nd phone at little to no cost. After being informed that I was not eligible to open a new account because another division of XXXX XXXX XXXX XXXX XXXX - said I owed them {$190.00}. The store manager got the clerical error resolved or so we thought but, at the end of the day I had gone across the street to XXXX and obtained two XXXX XXXX XXXX phones. My fiance and I had noticed that despite us not being XXXX XXXX XXXX customers we would see periodic collection attempts appear on my credit report for the {$190.00}. XXXX XXXX XXXX had told us both personally with store manager as witness that there wasn't any {$190.00} debt and each time the item was removed from my credit report once I filed a dispute. However, there continues to be collection attempts made and I had to file another dispute yesterday XX/XX/XXXX. This means that I have been the target of a campaign of harassment intending to use the power of a 50-60 point deduction on my XXXX  score each time they do this. The most recent violator was ANFI which I found on my XXXX credit report on XX/XX/XXXX and has already been removed but I still suffer the hit to my credit score. I am asking the bureau to take action to stop this illegal and immoral harassment.
Consumer complaint received 2021-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is my second time disputing accounts that are fraudulent. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX -XXXX  XXXX  # XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had no idea about it. I wasn't getting notification. All of a sudden, I had debt collection call me through the day. I told them not to call me, but I still get calls from them from different numbers. The debt collectors kept pestering me even contacting families and acquaintances who I haven't seen for years, and then leaving scary, threatening messages ... and then I hear about it from multiple friends of their friends before it reaches me.
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare llc is my mortgage holder, we had hurricane damage from XX/XX/20. After extensive repairs and completed inspections that have passed and shown our home is completed. They will not release funds. I have sent receipts of well over XXXX. They have XXXX of my money, they refuse to release even though there inspector certified my house is @ 100 %.
Consumer complaint received 2021-12-18
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. (GA)

I, XXXX XXXX a natural person and federally protected consumer, give EXPERIAN INFORMATION SOLUZTIONS INC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. EXPERIAN INFORMATION SOLUTIONS INC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, D.C. and contact number is XXXX? How can all XXXX elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all XXXX consumer agencies. Literally, XXXX different contact numbers and located in XXXX different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.
Consumer complaint received 2021-03-11
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. (CT)

I am a victim of a declared disaster. My finances suffered severely after losing my job due to COVID. I contacted my creditors to inform them of the hardship. Two of my creditors made payment arrangements. Which I kept. One of the creditors ( XXXX XXXX ) also put a comment on my account stating that I am a victim of a natural disaster. The other creditor ( XXXX ) accepted my payments, did not comment or flag my account, closed it,, and charged the account off. I disputed the inaccuracy with Transunion who conducted an " investigation '' that found that the XXXX account info is " accurate ''. There was a link to view my " current report '', which still shows inaccurate information on the XXXX account.
Consumer complaint received 2021-12-18
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. (GA)

I, XXXX XXXX a natural person and federally protected consumer, give EQUIFAX INC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. EQUIFAX INC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, D.C. and contact number is XXXX? How can all 3 elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all 3 consumer agencies. Literally, 3 different contact numbers and located in 3 different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-06-12
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. (FL)

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 deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (GA)

I, XXXX XXXX a natural person and federally protected consumer, give TRANSUNION LLC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. TRANSUNION LLC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, XXXX and contact number is XXXX? How can all 3 elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all 3 consumer agencies. Literally, 3 different contact numbers and located in 3 different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

I reported a valid fraud claim to navy federal on XX/XX/22. After reporting the fraud on my acct I went use my debit card for a different navy federal acct only to find out my ALL of my debit cards were cut off. I called navy federal on XX/XX/22 to inquire about my debit cards only to find out they locked all of my cards for a year because of suspicions that I made possible fraudulent disputes or fraud claims. Navy federal never asked for any additional info for my claims nor additional correspondence to assist with my claims that they had in question. Navy federal assumed I was lying without allowing me the options to provide proof of otherwise. The rep at a local XXXX federal called me a liar about my fraud claims and even read off my P.I.I in public without my consent when I asked to speak with a XXXX. I was embarrassed as on lookers could hear my issue I was having with my account while speaking with XXXX at a XXXX, Tn location. I have a right to report fraud or even disputes on my accounts and to feel like I will be penalized for doing so is not right. This makes me scared to report possible future fraud or dispute charges with them. I have never had this experience with any other banks.
Consumer complaint received 2022-02-12
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. (TX)

THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT. 

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2021-12-18
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: EQUIFAX, INC. (AL)

My father opened an account with XXXX and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (PA)

I'm submitting this complaint in reference to TD BANK knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq