davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Im relocated from XXXX to Texas. My contract will end XXXX, XXXX, XXXX and Im about to leave the US. My last day in Texas will be XXXX, XXXX. 
I opened a Citi Credit Card account in XXXX and opened a Citi XXXX XXXX XXXX as well. I put a deposit of {$10000.00} on this account. 
In preparation for my return to XXXX I canceled this account on XXXX, XXXX over the phone. 
The representative told me that Citi will send me a check during the next 10-15 business days.

Unfortunately, this check never arrived. I tried to get this resolved using the Citi chat and I called the Citi Customer Service line at XXXX XXXX at least XXXX times. 
At one of the last calls a representative told me to call again the next day to get my problem resolved and I did this. The next representative told me, that he is not able to find any information about the previous call. I asked him to talk to a manger about my problem. He told me that all managers are busy and somebody will call me back the next day. This call never happened. 
I called again today and talked to a representative that was very hard to understand at all. I asked the representative to expedite a check to me over night or maybe during the next 3 days. 
One person told me to go to a Citi branch. However, there is no Citi branch in Texas at all and there is no branch in the neighbor states. 
I dont think that somebody is working on a solution for my problem.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (GA)

CREDIT MANAGEMENT LPIS REPORTING FALSE INFORMATION TO MY CREDIT REPORT ( ACCT # XXXX ) AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607.  Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b )
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (NM)

A year ago I found a credit bureau listing from XXXX XXXX XXXX ( XXXX  ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on XXXX XXXX  and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with Gurstel Law Firm in Minnesota, did not contact me again until this week when I received a letter forwarded to my New   Mexico address from my ex in Nebraska saying that XXXX XXXX XXXX ( XXXX  ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA to again dispute a debt I have previously disputed. I have researched Gurstel Law and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill.
Consumer complaint received 2023-01-27
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. (MA)

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 2022-01-08
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - repossession- XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2023-04-06
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. (IL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-06
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APPLE RECOVERY SERVICES CORP (NC)

I received a letter from Apple Recovery Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/2022. They state in that letter I have to pay them over {$2600.00} for a debt I allegedly have with XXXX XXXX  XXXX XXXX XXXX. The truth of the matter is that I have never had a credit card with XXXX ever. I went into my credit history with all three of our major Credit Bureau 's to find that such a debt does not even exist nor does an account with XXXX XXXX  XXXX XXXX XXXX has ever been opened under my name for that matter. Apple Recovery Services is clearly a SCAM. - Thanks.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX ( 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 2019-08-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2019 2 automatic payments were issued to this lender. Once I checked my checking account I notified the lender to please return one of the payments back to my account. I was told that I had to wait for the check to be cleared by Federal Reserve. After waiting 2 weeks were then told to get a statement from my XXXX XXXX. After that I waited and then told it was being handled. It made no sense that the check we asked to be returned was not treated the same as the check that was applied as the XXXX payment. Bothe checks came from the same account. If the 2nd check was such a difficult item to process why not reverse the payment send that money back to me and apply the 2nd check as the payment. 
No where was it indicated nor did I authorize a principle reduction payment. This company held onto my funds intentionally. 

On XX/XX/XXXX I finally received a check in the regular mail in the amount of {$480000.00}. 
The payment amount submitted was {$4800.00}. The {$4800.00} should have remained in my account and accrued interest at 2 % for the 19 days it was erroneously held by this lender in their bank. I am demanding the return of my entire payment that was deducted from my checking account and the interest lost on my money ...
Consumer complaint received 2023-04-06
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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
Consumer complaint received 2022-03-30
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. (NY)

I notice some fraudulent inquiries on my credit report that I didn't authorize. Please remove immediately because I'm going through some time sensitive life experiences & I can't move forward because of these inquiries.
Consumer complaint received 2023-04-06
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have disputed the charges with the credit bureaus. XXXX as a debt collector reached out to me to provide some information such as lease, a copy of my driver license, a police report and a FTC complaint. 

I do not own this account and not sure why my name was on anything related to that account. I believe the crime happened in XXXX, Texas and I am living in XXXX XXXX, TX it has been now 3 years.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the late payment reported by on my credit report. Contrary to the information provided, I have consistently maintained an exceptional payment history with XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and all payments were placed on autopay. The late payment reported is a result of a systematic error on the creditor 's end in processing my payment. 

Since this is information you should already have in your possession I feel 15 days after receipt of this notice should suffice for the information being requested to be provided. 

PLEASE BE ADVISED THAT THIS REQUEST I SALSO BEING SENT VIA CERTIFIED MAIL! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This erroneous late payment is not a reflection of my payment behavior but rather a billing error made by the company, which violates XXXX XXXX XXXX. The impact of this error on my reputation, character, mode of living, and my family has been severe. 

I demand the removal of the late payment reported on my consumer report. The creditor is not in compliance with the law, specifically XXXX XXXX XXXX, which sets standards and guidance for treating payments as late. According to XXXX XXXX XXXX : " ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section XXXX ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. '' XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to send the periodic statement along with the disclosures from section XXXX ( b ). Despite my good faith request for proof that this information was mailed or delivered 21 days before the payment due date, it was never provided. 

This situation is unfair, illegal, fraudulent, and inequitable to me as a consumer. I urge you to take immediate action to rectify this error and remove the inaccurate late payment from my credit report. 

Please acknowledge receipt of this dispute letter and provide confirmation of the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Account was opened in XX/XX/year>. I have provided documentation and requested multiple times through all credit bureaus for this information to be removed. I have reported identity theft, police reports, and ftc reports have been reported since then. I have requested information for documentation for accurate verification and no response. I have security freeze and fraud alerts on all my accounts as well.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My company XXXX XXXX XXXX has a checking account with the Fifth Third Bank. 
On XXXX XX/XX/20 at XXXX XXXX  I sent them an email telling there were some fraudulent transactions with XXXX XXXX from people I don't know and asked them what I should do. 
They told me that I had to go to the Bank to close the account, but it could not be done immediately because these fraudulent transactions were in pending. 
On XX/XX/XXXX I went to Fifth Third Bank at XXXX XXXX to close my checking account, and the hackers had gotten more money from my checking account on the early morning on XX/XX/XXXX. 
For the protection of all its clients, the bank has to place these fraudulent transactions in hold as well as the part that corresponds to my debit card. 
An employee of the bank called the Fifth Third to the Dispute Center to report my situation, and the money still was pending on my account and they should have put in on hold while the investigation was on going. 
The bank had total control at that time to help me, but They didn't. 
That day the Dispute Center opened up 2 cases # s : XXXX XXXX XXXX and # XXXX XXXX XXXX. 
A hacker with the fictitious name " XXXX XXXX '' carried out 57 fraudulent transactions on the same early morning of XX/XX/XXXX, with 2 different amounts. Some of {$59.00} and others of $ XXXX.From the same hacker, the bank recovered {$1.00}, but the bank rejected 16 of the transactions for {$980.00}, and They did not give me any kind of explanation. 
I received a letter on XX/XX/XXXX in which the Fifth Third Bank required me to deposit the value of {$920.00} to cover the amount that the bank did not recover. 
From the first case, {$260.00} were recovered, but from the second case, I lost the amount of {$980.00}.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (MS)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person