davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a secured credit card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-03-03
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: Internal Check Systems, LLC (CA)

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over XXXX points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I submitted a claim concerning our existing checking account under the requirements surrounding the Wells Fargo Unauthorized Accounts Settlement in XX/XX/XXXX (? ). 

In XX/XX/XXXXI received a 'ACTION REQUEST ' form/S4. Name, Last 5 SS #, DOB and  signature. 

Obviously more than a year has passed. The 800 # and web site contains the information that the lawsuit is under review. I have been patient. 

Due to the most recent news coverage, is it reasonable to EXPECT a response, one way or another, in lieu of the RETURN of the S4 form?
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I'm XXXX on a fixed income. I have been wronged by Wells Fargo. They still have money that was owed to me as of XX/XX/XXXX. 
On XX/XX/XXXX, I was charged {$200.00} for a refurbished starter from XXXX that I purchased on XXXX on XX/XX/XXXX. The purchase price included a {$40.00} core charge that would be paid to me for returning my car 's old starter " core '' to XXXX XXXX. On XX/XX/XXXX, I returned my car 's old starter core to the XXXX store that I selected and ordered the new, refurbished starter from on XXXX. On the website, it stated that I was to recieve a {$40.00} core charge upon returning the old starter core. This is fraud by XXXX because I still have not gotten the {$40.00}. Even though they have had my old starter core since XX/XX/XXXX. 
On XX/XX/XXXX when I returned the old starter core, I was told by the XXXX store manager that the {$40.00} that I was expecting to receive would be " put back on the card that was used to make the purchase. '' Needing the {$40.00} right away desperately, I asked the manager how long would it take for the {$40.00} to be deposited back into my account. He said, " It's up to your bank now. They will process the payment and put it back into your account depending on how long they take to do that. '' After several days, I emailed XXXX asking where my {$40.00} was. They replied ( I have this email in my inbox still ) that the payment has been released to Wells Fargo and that Wells Fargo is now responsible for depositing the {$40.00} that I was owed by XXXX. I was informed that this could take up to 10 business days. 
After still not receiving the {$40.00} after 16 business days, I decided to call Wells Fargo to find out where my money was. The Wells Fargo person I spoke with didn't know where my {$40.00} was. So I told her that I want to dispute the whole transaction, because XXXX XXXX has had my old starter core for over two weeks and I still didn't get the {$40.00} that I was supposed to get. 
I explained the situation exactly as it happened : " One billion-dollar company ( XXXX ) took my old starter core and kept it, and then they gave the {$40.00} that was supposed to go to me ( a XXXX person living near the poverty line ) and they gave that {$40.00} to another billion-dollar company ( Wells Fargo ) XXXX '' This has leaft me with nothing when in fact I am owed {$40.00}. I don't trust Wells Fargo anymore. They claim to be reviewing my claim of a disputed transaction. But they still have not put that {$40.00} into my account. It's been 20 days. I still have nothing. But XXXX XXXX has my old starter core, and Wells Fargo has my {$40.00}. That's why I'm spending XXXX morning complaining about these two companies, while the CEO 's of these companies are enjoying and celebrating multi-billion dollar profits for their companies that have mistreated me. XXXX XXXX. 
Now I'm having to wait for the {$40.00} that I should have gotten weeks ago
Consumer complaint received 2023-11-30
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (FL)

My title company received a mortgage payoff that was dated XX/XX/2020 and they were told that we were closing on XX/XX/2020 but that made the payoff good through XX/XX/2020. On XX/XX/2020 and the revised payoff was requested after noticing that the one provided was less than 30 days and it was showing XXXX Payment not made. An email was sent to the payoff department, and we followed up on XX/XX/2020 and on XX/XX/2020 and on XX/XX/2020. 

We close per contract, so not to default on the Sellers side of the transaction, we have been told by the servicer that they don't care when we are closing, they are 10 days behind on payoff and we just have to wait. 

I called again on Monday XX/XX/2020 and I asked we could just wire the payoff that showed XXXX not paid and they could refund the overages because we did not want the servicer to keep charging the XXXX per diem. 

I was told it did matter, I should have ordered my payoff 20 days prior to closing. I need your help, I am paying additional interest, due to the servicer lacking manpower to process an interest-only payoff. My funds are in escrow since Friday XXXX, 2020.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I paid the balance on my Walmart credit card, issued by Capital One, on XX/XX/2020 which included new purchases of {$200.00}. The previous balance of {$2000.00} plus the new charges of {$200.00} for a total of {$2200.00} was paid on XXXX XXXX. I neglected to call and get a pay off amount so I was charged {$35.00} interest on my XXXX statement due XX/XX/2020. 
I called today, XX/XX/2020 and spoke with XXXX to get a payoff amount and was told it was {$35.00}. I asked to speak to a supervisor because they are charging interest on interest. I spoke with XXXX and was told the same thing, I owe {$35.00} today. I explained that on my statement it states that I will not be charged interest if I pay off new charges on that billing cycle. I also explained that the {$35.00} on my statement is interest charged from the paid account and I am not questioning that I owe that amount. She explained it is calculated daily which I understand, but if all I owe is interest and they are charging more on XX/XX/2020, Capital One is charging interest on interest. She stated that the correct payoff amount today is {$35.00}. 
The amount is minimal, but Capital One 's practice to charge interest on interest is not right, so I am complaining to hopefully, have them discontinue this unfair practice.
Consumer complaint received 2023-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act, the Capital One Creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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 2020-03-03
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: EQUIFAX, INC. (FL)

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, Equifax and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

XXXX has sent a falsified debt to I.C System, in which I do not have a balance with the company. XXXX has and continues to utilize predatory pricing among minority populations. XX/XX/XXXX has continued these illegal practices in their billing schemes, and the credit reflected on my credit report is not factual. I am seeking a written apology from the corporation and removal of this un-owed debt from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and 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 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I talked to someone at AMERICAN EXPRESS about a penalty APR. I questioned them as to why I was charged the 7th month - after making 6 months of on time payments - at the penalty APR. They apologized and reduced the rate, but did nothing to remedy the 7th month of penalty APR interest charges.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I am having a background check done and while looking over the report from Experian it shows a prior residence address as XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at that address and have never used that address. It shows a date as XX/XX/1996
Consumer complaint received 2020-03-03
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. (AR)

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$150.00}
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

I the consumer XXXX XXXX recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXXExperian XXXX XXXX XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) Notice of results of reinvestigation ( A ) In general Aconsumer reporting agencyshall provide written notice to aconsumerof the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by theconsumerfor that purpose, by other means available to the agency.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi I had filed a complaint with XXXX XXXX Bank of America, XXXX XXXX XXXX XXXXXXXX. Bank of America tried to contact me but however, whenever I tried to call back there was no answer and they closed my case. As per the letter I received from XXXX XXXX XXXX XXXX XXXX XXXXXXXX tXXXX XXXX stated that they did not receive any ACH return request from BofA for the transaction. 
BofA has not been helpful at all.
Consumer complaint received 2023-03-14
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. (PA)

I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
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: JPMORGAN CHASE & CO. (FL)

A charge of {$600.00} from XXXX XXXX ON XX/XX/22 was disputed because I returned the product. The company got my returned and promised me a refund. I contacted chase bank. They said the tracking was invalid. I RESENT the tracking because it was entered in the system incorrectly. Chase said they will research Chase never research they said I never sent in paperwork, and I DID XXXX.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

My account was placed under review and it has been almost 2 weeks since then. Ive been told that it would be resolved within 24 hours, within 1 week, and Ive been told that Im unable to access my money or close my account. Nobody has given me a reason or any information. I want my money returned to me and my account closed.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

These inquiries were unauthorized. I am a victim of identity theft. Please remove these fraudulent items from my credit 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 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 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/23, My case was approved for XXXX XXXX discharge. The next day, XX/XX/23, XXXXXXXX XXXX XXXX called with a robot call that told me to press one to make a payment. Then a strange one came in specifically indicating that " we do not have any bankruptcies or tax forms sent or received on this account, so it is still outstanding. " XXXX on both my cell and work phone. So went through the prompts to see who this was and get some documentation about the debt. It was an automated system forcing you to go to a website to pay. They mentioned a different name and XXXX Bank, and then an amount I could not catch. I went to the website and learned by my social security number this collection company was on my credit report. XXXX XXXX XXXXXXXX XXXX. This debtor is all over my credit report. I am also learning and am ashamed to share that my son may have stolen my identity using several different names. I found out when I was trying to buy my first home. I spoke to my attorney, and he just told me that he would send me a notice of Filling Bankruptcy and keep all phone calls, emails, and letters sent so he could take further action while I was filling out this complaint.