davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I opened a new Citibank Accelerate Saving account back in XX/XX/XXXX and XXXX successfully deposited different amounts from my different checking accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and each month from the date of opening i transferred some money i put in the side from my paycheck. everything was fine i deposit a total of XXXX $ till XXXX i transferred money XXXX $ from Citi bank to my XXXX XXXX XXXX Citi bank called me to confirm the transaction i told them it was me in the next two day in XX/XX/XXXX i try to login to Citi bank account i saw my saving accounts block deleted they block my account without let in me know in XX/XX/XXXX I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get a get my money back, they said I will be receiving a mail with detailed statement and a check of the remaining balance, to let them know there's no fraud in my account. if they suspicious fraud they could contact me and confirm with me before they take any action my account and my money i should be concerned with that
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

I am writing you this statement for you to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2023-07-31
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. (NY)

CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR  OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. TRANS UNION IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (OK)

Affirm left a negative impact on my credit through the credit bureaus. They didnt call me after the due date and they didnt email me. I checked my credit and found out that they put a negative impact on my credit and in the state of Oklahoma thats illegal. In the state of Oklahoma they have to take me to court before they can touch my credit.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (IL)

An account with Chime was opened in my name. They even sent me a debit card. Whenever I call to speak with someone and explain that I never opened an account, I can never get a live person. Its always automated. And there isnt an option for fraud activity.
Consumer complaint received 2021-01-07
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. (AL)

XXXX  Equifax and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I have filed for police report and sent these to the credit bureaus for couple of times.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX there are four credit inquiries that I didnt agree to and there are four in one month. I havent done business with XXXX in four years. I havent applied for a loan with TD Auto Finance since XXXX, I have no idea who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Hello, Shellpoint ( NewRez Financial ) continues to not post payments in a timely manner. Now this company sends notices with data that is not accurate. Now the notices have on the back of the payment indicating current and past as " unpaid balance. '' The current can not be an " unpaid balance '' when it is not due, giving the impression that the balance it not paid. 

Additionally, it indicates " overdue payment, '' when that is not accurate. To date, the XX/XX/XXXX was mailed/received, and payment posted XX/XX/XXXX. The XX/XX/XXXX payment was mailed/received, and payment posted XX/XX/XXXX. The XX/XX/XXXX payment was mailed/received and was delivered to address and ready for pick-up XX/XX/XXXX. 

Lastly, Shellpoint ( NewRez Financial ) requested insurance for the property and that was faxed on XX/XX/XXXX, and a confirmation was received for the same date regarding the fax regarding insurance, yet another notice was indicating they have not received the requested insurance documents. 

They continue and it appears deliberate attempts by Shellpoint ( NewRez Financial ) to delay the posting of payments, sending multiple requests for the same documents, in all attempts to defraud the customer and this needs to stop immediately.
Consumer complaint received 2023-05-19
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. (RI)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXXXXXX 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 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 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 2023-07-08
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: T.S. Holdings (CA)

I have been a victim of XXXX XXXX for a long time Ive had my identity stolen from me twice I just had my identity stolen XXXX  car broken into XXXXXXXX XXXX in front of my moms house I been though a lot they placing things on my credit report thats not true I wont it removed having hardship really stressful trying to do all the right things get my self together and prove my identity they are very rude and nasty IQ DATA ASK THEM PLEASE REMOVE PROPERTY DEBIT OFF MY CREDIT
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (WI)

To Whom It May Concern, I am writing to file a formal complaint against National Credit System for their blatant violation of consumer protection laws, specifically regarding the handling of my account. The actions of [ XXXX XXXX XXXX ] have not only disregarded my rights but have also resulted in significant harm to my financial standing and reputation.

1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), National Credit System is mandated to provide validation information upon request. However, despite multiple requests, they have failed to furnish me with any validation information pertaining to the alleged debt they have placed on my consumer report. This neglect violates my right to verify and validate the accuracy of the debt, as outlined in consumer protection laws.

2. Denial of Dispute Process Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the validity of a debt directly with the collection agency. However, National Credit System has denied me this opportunity by not providing a clear and accessible dispute process. This denial further infringes upon my rights as a consumer under federal regulations.

3. Utilization of False, Misleading, and Deceptive Means : National Credit System has resorted to false, misleading, and deceptive practices in their attempts to collect the alleged debt. Such tactics not only violate ethical standards but also contravene consumer protection laws designed to safeguard individuals from unfair and deceptive debt collection practices.

4. Violation of Disclosure Requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), National Credit System is obligated to furnish all necessary disclosures before reporting any account to consumer reporting agencies. However, they have neglected to provide me with the required disclosures, thereby violating federal regulations and compromising the accuracy of the information reported to consumer reporting agencies.

In light of the aforementioned violations, I demand immediate cessation of all collection activities related to my account and the removal of any derogatory information reported to consumer reporting agencies by National Credit System. Additionally, I request a thorough investigation into the practices of National Credit System to prevent further harm to consumers.

I expect prompt action to rectify these grievances and ensure compliance with consumer protection laws. Failure to address these issues adequately will compel me to pursue further legal recourse to protect my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MN)

I paid my target red card on XXXX via automatic payment. This is the usual way we pay and have never missed a payment. On XXXX and XX/XX/year> sent extra payments via red card portal and the payments didnt work because the website showed abd old checking account and I accidentally used it. 
Red card then closed my account while it had a balance due to this error on the extra payment. We still have a balance. Upon calling and speaking with multiple people, we are told this can not be resolved and nobody will tell me if and how this may affect my credit. They will not open this account regardless of our up to date payment terms.
Consumer complaint received 2024-02-18
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (SC)

On XX/XX/year> I purchased a reclining love seat from XXXX XXXX in XXXX, SC in the amount of {$3100.00}. {$2500.00} was charged to a newly opened XXXX XXXX credit card and the remaining on another card. 
XXXX XXXX recalled the reclining loveseat in XXXX and asked customers to unplug it because its a fire hazard. I have been waiting for a technician to fix my furniture since XXXXXXXX XXXX and have been unable to use it for fear of it catching on fire. The XXXX XXXX & customer service has been extremely unprofessional and simply do not care. Their documentation says to request a repair by calling XXXX. They continue to ask for photos ( which I submitted ) yet do nothing with the information. 
I didnt want to incur interest and paid off my account as soon as possible.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Funds get frozze up. Its been XXXX month by now. 
We deposit some checks on XXXX and cant verify providers. 
We brought provider inside bank. and dont talk to him, at all, nobody help me The bank said they cant verify with his system and they dont give my money. Each check have the phone number and information but they cant do it anything if his system not accepted the info
Consumer complaint received 2023-03-01
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC (NY)

I am being a victim of a collection agency that has reported to the credit bureaus the information of an account that was never verified, and also that does not meet the age requirements. The account is too old to be collected, that account has never It has been verified in addition to asking for help and never receiving it before seeing me harmed by this company that has also posted in comments very allegedly information about this arbitrary account, that I have disputed this account with you and that I did not get help. I sent proof that I sent a letter requesting verification of this account and I never received a response in the following 30 days, to which I have the right and therefore I am protected by law to have this account deleted from my credit report immediately
Consumer complaint received 2024-02-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (MI)

I paid off a previous {$500.00} loan with this company in XXXX of XXXX. On XX/XX/XXXX, I logged in to ensure that it was showing as paid off. At that time there was a {$2000.00} loan showing as pending. I did not request that loan and it was showing as going into a bank account that was not owned by me. I immediately emailed the company to inform them that I did not request that loan and that it was not my banking information. The company has since repeatedly contacted me about paying off the loan and I have repeatedly informed them that I did not request or receive the loan. I send bank statements on XX/XX/XXXX and XX/XX/XXXX to prove that I had not received the loan. They have continued to harass me and I have continued to remind them that I never requested nor received that loan and remind them that I have already submitted all the documentation they have requested and that I did inform them if the fraudulent loan in time for them to correct it. On XX/XX/XXXX, the company attempted to submit unauthorized XXXX checks through my bank account for a total of over {$600.00}. I contacted my bank account and stopped payment before they went through. On XX/XX/XXXX, they tried to submit XXXX more unauthorized checks for a total of over {$1200.00}. I again stopped them.
Consumer complaint received 2023-03-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account " XXXX '', has violated my rights. 
15 U.S.C 1681 section 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
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT 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 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 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My students loans that are listed under XXXX are reporting missed payments. Please remove ALL missed payment listed for every XXXX account that I have on my credit report. These late payments were due to billing error, and according to usc15 1666b these late payments must be remove.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

My existing debt is {$2700.00} and not {$6900.00} reported on my XXXX report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get American Express personal loan. Please help to rectify the information.
Consumer complaint received 2023-03-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : 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 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 XXXX XXXX XXXX XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.