davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
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: EdFinancial Services (PA)

Recently disputes these accounts. The information displayed is inaccurate. I may be a victim o Of identity theft so I have attached one. This information has to be BLOCKED. Please DELETE these account.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2021-11-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I tried reaching out to the company and they said they did update the XXXX bureaus but still showing all XXXX fed loans open when they were paid in full. I do have the letter dated XX/XX/XXXX th 2021
Consumer complaint received 2021-11-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

Hello, I have a major complaint/issue that I need help resolving. I will start from the very beginning. 

My dad passed away last XXXX ( 2021 ). His life insurance policy paid him out {$190000.00}. My mom was the beneficiary. My mom gave me {$70000.00}. I put {$40000.00} into the Citibank savings account. I then added {$8000.00} from my personal checking with XXXX. Then I added {$5000.00} from the same account. Well, when I added the {$5000.00} from XXXX, that was the week they changed over to XXXX bank. So account numbers changed. The deposit was denied. I wasn't sure if that was the reason why the transaction was denied, but that's the only logical reason I can think of. But something odd occured, the money got put back into my XXXX account, as it should, but my balance in my Citibank account reflected that the {$5000.00} was in fact deposited. I figured after a few days it would get deducted, as it should. It stayed there for about XXXX weeks. This was clearly a bank error. Then this week, they sent me a letter in the mail saying that my account is being closed due to fraudulent activity with the mention of the {$5000.00} deposit that was denied. That was the only thing mentioned. My account has been blocked for about XXXX days and I have no access to my money. 

I have spent hours and hours on hold with citibank, and transferred around with different people because nobody has any idea what they are talking about. Nobody could tell me why my account was flagged for " fraudulent activity ''. 

I finally got to talk to someone yesterday who gave me some information. He didn't tell me the reason it was being flagged, but he did tell me this. 

My money has been transferred to the federal government because it has been determined by the fraud department at Citibank that the money is not mine. My money isn't even with Citibank anymore, it is with the federal government apparently. 

Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just snatched the money out of my account with no explanation. 
I have spoken to numerous people from citibank and nobody can point me in the right direction, they just told me to hire a lawyer. I filed a police report in XXXX XXXX, Michigan, a complaint to the FDIC, and a complaint to the comptroller of the currency. 

I have the XXXX XXXX of where the money came from and how it is most definitely my money. Please help me get my {$48000.00} back. 

Thank you, XXXX XXXX
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently received a letter stating that I was almost XXXX months behind on payments. I had signed up for online banking with my bank and they were suppose to make the payment on the day I scheduled but that did not happen. I now have 2 late payments on my credit report. I pay all my bills this way so I not sure what the problem is with Capital one.
Consumer complaint received 2022-05-23
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. (AR)

In accordance with the Fair Credit Reporting act The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. IC SYSTEM INC 135204, has violated my rights. 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
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. (TX)

I have already submitted a complaint to the XXXX Credit Bureaus last XX/XX/XXXX and I have also been waiting for their response since then. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or were they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus is given the time to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that the Credit Bureaus are obligated to finish their investigation within 30 days and must stop reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items I found to be fraudulent and yet they are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$430.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding Corporate Service Company XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for LVNV Funding From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX, or any other corporation, is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Consumer complaint received 2017-10-25
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: CITIBANK, N.A. (NC)

I have a XXXX XXXX XXXX XXXX. I stayed at the XXXX XXXX, a XXXX property and checked out on XX/XX/XXXX. They charged my card {$310.00} which was correct. But then on XX/XX/XXXX, they hit the card for {$520.00} which is incorrect. The same thing happens on XX/XX/XXXX. I check in they hit my card for {$520.00}, I check out on XX/XX/XXXXand they hit me for the correct amount of {$410.00}. So there are two charges of {$520.00} that should not be there. I call XXXX, they advised me that they did not submit the two incorrect charges of {$520.00}. I call XXXX on XX/XX/XXXX ... after 45 minutes on the phone, they advise they will credit both charges and launch and fraud investigation. I get an email the next day ( XX/XX/XXXX ) a document that does not reference the prop XXXX from XXXX. I call XXXX again, they conference in an investigator ... they have closed my old account and sent me a new card. They said they will credit those two incorrect charges as it was not done on XX/XX/XXXX and find out what happened. I get my new card and activate it today. The two charges have not been credited and I can see no transaction history since my last statement on XX/XX/XXXX. I call again today ... they stated they do not know what has happened but will credit my account and launch an investigation. I have over two hours invested in this and they dont have a clue.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (OR)

Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
Consumer complaint received 2022-12-16
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX 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 4 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. XXXX XXXX  Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 21 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 XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-09-25
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. (MI)

I received an email that my social security number was compromised on the dark web. I've contacted Transunion, XXXX, and XXXX to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: North American Credit Services (FL)

My actual issue was not listed above, however what happened was that I was sending small payments to XXXX XXXX. That was n't good enough for them so they turned my account over to North American Credit Services. When I finally sent written communication to NACS attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, NACS completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that NACS has now turned my account over to an ATTORNEY, XXXX XXXX XXXX XXXX Offices in XXXX, XXXX, acting as a debt collector on their ( NACS ' ) behalf. NACS DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should NACS had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from NACS. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When NACS refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of North American Credit Services ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.
Consumer complaint received 2022-05-23
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. (AR)

In accordance with the Fair Credit Reporting act The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. IC SYSTEM INC 135204, has violated my rights. 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

YOU ARE IN VIOLATION. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.