davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I called the Citi Prestige card number regarding unauthorized charge on XXXX from XXXX in the amount of {$17.00}, andXX/XX/XXXX from XXXX in the amount of {$7.00}. According to Citi, those charge originated from XXXX XXXX XXXX and XXXX XXXX XXXX respectively. 

After the automated system put me with their customer service, I informed them that I need to speak to the fraud department, and transferred me to another agent. I explained to the agent that there are 2 unauthorized charges on my balance. The agent asked is I ever gave them my credit card numbers, and I told her " no. '' She INSISTED that maybe I gave XXXX my credit card numbers, and AGAIN, I told her that I NEVER give XXXX my credit card numbers. She asked me if I'm sure that I have never gave XXXX my credit card numbers, because she claims that this came from one of my old credit card numbers. 

At that point, I requested to speak with her supervisor, and indicate to her that she is wasting my time and made another request to be transferred to her supervisor. She raised her voice at me, indicating that she is NOT wasting my time, and REFUSED to transfer me to her supervisor. I hang up the phone and call back. 

On my second call, I immediately requested to speak with a supervisor, but instead I was put on hold for 10 minutes and disconnected. 

I called back again, for the third time, and requested to speak to a supervisor. I was transferred to an agent who identify herself as XXXX, from department XXXX. I let her know about my issues with the previous 2 calls, and asked her to give me an explanation about those behavior. Instead, I was met with silence for a good 10 minutes and my line was cut. 

I called Citi the 4th time, and when someone picked up the phone, they immediately say that they are having system issues and quickly hang up the phone! 

I have been a using the Citi Prestige Card for approximately 5 years, and paid an annual fee of {$490.00}. I'm really disappointed, hurt, and angry because of the treatment from the customer service agents, especially when I'm calling about two fraud charges on my account. This is something that needs to be taken care of right away, instead the customer service agent violated my rights to dispute those fraud charges, doubt my judgement, and borderline made false accusation that I authorized these charges. 

I wish the initial phone call really just went smooth as any other fraud calls. I wish that they would put a fraud hold on my credit card, quickly overnight a new credit card to me.
Consumer complaint received 2023-07-13
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2020-10-05
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-05
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. (MS)

I have contacted XXXX, XXXX  as well as Experian with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (MD)

my auto loan with navy federal is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a finance manager at the dealership please remove the late payments off of my consumer reports
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have contacted XXXX, Equifax as well as XXXX  with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/XXXX. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, I went into PNC Bank to let them know I was selling my home and the lien they have on my home needed to be released. The loan in question had a XXXX balance and had not been used in years. 

After contacting PNC Bank Customer Service numerous times via phone and in-person, contradicting information was given to me during each conversation. On XX/XX/XXXX, I received an in process letter from PNC indicating the appropriate mortgage documentation has been or will be sent to the County to release the lien on my home. 

As of XX/XX/XXXX, the XXXX County Clerk of the Court indicates the documents have not been recieved and the lien therefore has not been released. 

Our interactions with PNC Bank have been difficult and contractictory. All the representatives we have interacted with at PNC BANK have been unprofessional and inept.
Consumer complaint received 2020-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

My wife and I bought a house in XXXX. The address is : XXXX XXXX XXXX XXXX, WV XXXX The previous homeowners had a home equity line of credit on the home that was paid off from their proceeds. The previous homeowners names are XXXX XXXX XXXX and XXXX XXXX. The Chase home equity line of credit account number is : XXXX. 
After closing in XXXX, JP Morgan Chase failed to issue a lien release on our property from the previous homeowners despite the loan being paid off at closing. We were in the process of trying to sell the property on XX/XX/XXXX and then this lien issue arose. I have called about a dozen times and emailed XXXX as instructed by representatives at Chase. 
I finally got an email response from Chase saying that I need to provide all loan and title documentation as well as FULL Copy of Recorded Mortgage with any related Recorded Assignments. 
The issue here is that it IS NOT MY LOAN! 
I was able to get the XXXX County WV clerks office to reluctantly give me the loan number recorded on the previous homeowners deed so that I could try to resolve this with Chase after one of their representatives said that the account number was all that I needed to resolve this. 
Following representatives, including a manager, said because my name was not on the now closed loan there was nothing they could do to help in the situation despite me owning the property that they failed to issue a lien release on. 
I have done everything that I was asked to do by Chase and the lien release research department failed to even read my emails to them because if they had they would know that I dont have access to the information that they asked me for.
Consumer complaint received 2020-10-05
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. (RI)

I made charges to a repair shop on my citi bank card for {$8500.00} in total to repair 2 leaks on my XXXX. The repair shop returned the machine with the same 2 leaks and damaged other parts. I disputed the charges, sent emails, images, and other info to citi bank but they did not reverse the charge. Citibank always seems to take the side of the vendor.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

My credit score as produced by Experian and reported by XXXX is incorrect. I filed a complaint ( case # XXXX XXXX with your agency to force XXXX to report the correct information to Experian. XXXX sent me a letter dated XX/XX/2016 XXXX page # XXXX of enclosure ) verifying my student loans are paid off. Furthermore, a representative from the office of the consumer advocate, XXXX, phoned me on XX/XX/2016, to confirm that my " zero balance '' was reported to Experian. However, my credit score is showing " the balance amount paid down on your open student loan accounts are too low '' ( seep page # XXXX and # XXXX of attached ). This information is false/inaccurate as my loans were paid in full as per the Navient letter dated XX/XX/2016 and as confirmed by the XXXX advocate on XX/XX/2016.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (FL)

The account with XXXX XXXX continued to renew and cause delinquency about account. The account is past the allowed time it stay on credit report. Account is not valid on reporting.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (FL)

When living at my former home in XXXX, the electricity bills became extremely high and unsustainable. I therefore called the electricity company, XXXX, to inquire as to how I could get the bills under control. At the rate at that time, I would be forced to sell my house because we could not afford the electricity bills ( we did indeed have to sell ). The representative that I spoke with offered " budget billing ''. It was explained to me that this was a flat monthly fee. The representative at no time disclosed that I would be liable for any electricity used above that flat fee. When I later called to close the account, I was informed that I would have to pay all electricity charges above the flat monthly fee that were essentially being accrued, which resulted in a bill of over {$1500.00}! I immediately contested this as I was never informed that I would have to pay any accrued amount that would be accelerated upon closing the account. I immediately put my dispute in writing and told XXXX to contact me to resolve and I would pay an appropriate amount. Instead, they chose to send my bill to a debt collector and my credit score has dropped nearly XXXX points as a result. My dispute was in writing as required by the FDCPA, XXXX should have contacted me ( which they did not ), and my account should have never been sent to debt collection. The debt collection agency informed me that XXXX was aware of my dispute, but validated the debt even though they had failed to contact me as the consumer.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

See previous complaint submitted to Navient. THIS IS NOT A DUPLICATE COMPLAINT. The company states " We have reviewed your account and confirmed that we reported your loans in the same manner from XX/XX/XXXX through XX/XX/XXXX, as deferred, based on your Economic Hardship Deferment request. '' This is FALSE. Again, as shown in screenshots of the attached document, Navient reported each month as " On Time '' then changed it, between XX/XX/XXXX and XX/XX/XXXX. Why? I am tired of the lies. The evidence is here. Do they think we are so stupid wouldn't notice? Either update the payment history or admit that they reported incorrect information to the credit bureaus 30 times ( 5 accounts x 6 months ). Please CFPB, do YOUR JOB and force Navient to acknowledge the evidence that shows the payment history was reported " On Time '' and then changed to " No Data ''. If you don't handle this properly, I will go to Ohio Attorney General 's office to contact your agency as well.
Consumer complaint received 2020-10-05
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. (OH)

See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

My name is XXXX XXXX. I am writing in regard to HSBC Banks unfair, racially distorted, and demoralization of ones disabilitybanking practices. The Consumer Credit Protection Act of 1968 regarded Americans safety from the previous longevity relinquished by governing bodies and financial institutions. In efforts to solidify all condensing and ambiguity associated with mistrust, Congress moved to shield consumers and their financial records from abuse. In the  years following, other laws refined consumer rights, spelling out how the government can access bank customers information, how banks treat borrowers and the way banks handle customer deposits. Considering this law to protect consumers are profoundly etched withing the moral fibers of the US governing lawsone would hope consumers would receive fair, indoctrinated, unplausible credence as it relates to the well being of our banking system. Unfortunately, this is not the case as biased departure still exists within our banking institutions. 

This is my third morse writing on dictates concerning issues that have gone strain. I am a young XXXX American male -- owning several XXXX XXXX XXXX. Each monetary increment is compelling to the survival mediates. Therefore, with the crude unguided acts of HSBC, there were several delaying constructs in which devastating financial tolls have impart. 

I have notified HSBC nearly five month ago, indicating the immediate release of all funds due in part. Nonetheless, days became weeks, weeks became monthsand now unopposed, months will soon become a year. Nevertheless, my relentless intent to mitigate, resolve, and embellish the ongoing dispute has resulted in over 200 hundred call, 70 emails, and numerous complaints to government banking agencies. Added, the coldness of hopelessness has begun to settle quietly within the vibrantly warm chambers of my heart. My XXXX XXXX, once divulged of animation, has now become the corridors of dismay and peturb. I am currently prescribed medication to resolve the refactors of my XXXX XXXX. 


In conclusion, my simple alp of requestreturn my funds quickly, for I am making monthly payments on liquid assets are loan imparts. I beseech assistance in resolving this issue with HSBCfor it has been several months with no resolve.
Consumer complaint received 2020-10-05
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)

IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted TransUnion, XXXX as well as XXXX   with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XXXX, XXXX, 2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (LA)

Greetings, to whom it may concern, XXXX XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ),  all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a  ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate 31 USC 3729-3733. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at www.pulaskiclerk.com recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF XXXX XXXX & XXXX No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Opened in XX/XX/2014. I was told to pay off account cost a specific amount by worker at XXXX XXXX. I paid that amount and was told I am out of my contract. Checking my credit report is shows that I owe an amount that I have never confirmed. I was tricked by this company and it has caused credit issues.
Consumer complaint received 2020-10-05
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. (SC)

my name is XXXX XXXX. I have already notified this bureau several times that I was recently a victim of identity fraud. I let equifax know and I disputed the accounts that were fraudulently reported to my credit and Equifax has not taken action to remove these accounts. I have provided all the necessary documents and they have still violated the FCRA 605 B AND 611
Consumer complaint received 2020-10-05
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. (CA)

IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.