davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

XX/XX/2022 I maintain a Citibank - checking, savings and credit card account. The information, address, on my account is wrong. I call Citibank to remedy the incorrect address and all calls are routed to XXXX and the representative consistently speak very poor XXXX. It is difficult to communicate with the service representative. When communicating banking account information and problems with an account, it is difficult to communicate with the Citibank representative and the potential for banking error is high. I have been told that Citibank representative in XXXX are unable to transfer my call to a representative who speaks XXXX sufficiently well to transact or remedy problems. Can you require Citibank to have XXXX speaking representatives answer the call as it is very difficult to interact with non XXXX speakers.
Consumer complaint received 2022-02-16
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. (MD)

I made a purchase with my Chase Freedom Unlimited using XXXX XXXX  on XX/XX/XXXX with an amount of XXXX $ at XXXX in XXXX XXXX XXXX, but then there appeared XXXX $ that I didn't authorize. 

I disputed this charge to Chase right away, but on XX/XX/XXXX, I received a letter saying I was responsible for the transaction and the dispute was denied. 

I claimed it again but Chase kept denying to make refunds for it since the transaction was not fraudulent. 

I have been using Chase for more than five years and I have never made a false claim, especially with this small amount. This is the first time but Chase is not helping me at all
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (GA)

After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.
Consumer complaint received 2018-11-28
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. (OH)

XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Myself, my corporations, my wifes checking accounts and savings accounts were closed after being an active customer with the bank for over 10 years in XX/XX/2019. Many calls were placed to find a reason. Our accounts were not over-drafted or dormant. The representatives stated that we will never be eligible to open an account again. We are not blacklisted on XXXX.
Consumer complaint received 2022-02-16
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

As you probably already know Transunion signs people up for a credit monitoring service. They get you to give them your credit card # under the pretense of getting a free credit score when in fact they are signing you up for their worthless service. The web site hides this information in fine print and is a complete scam.
Consumer complaint received 2018-05-25
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. (NC)

TransUnion failed to correct an account from XXXX XXXX Loans in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want TransUnion and XXXX XXXX Loans to correct this error and update my credit report.
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'SOUTHWEST CREDIT SYSTEM ', and the Balance is {$56.00}. The Original Creditor is 'XXXX XXXX XXXX XXXX XXXX  '.

However, I don't know 'XXXX XXXX XXXX XXXX XXXX ' at all, and I never had any relationship with 'XXXX XXXX XXXX XXXX XXXX  '. I have never lived in California. How can I have a relationship with an automobile club from California?
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On my XXXX credit report, there is Capitol One/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through XXXX, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. XXXX should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( Capitol One ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (TX)

RETALIATION / HARASSMENT/ UNFAIRNESS I, XXXX XXXX am filing a complaint against JP MORGAN CHASE BANK . I, have a car loan with this bank. On or about XX/XX/XXXX XXXX XXXX called JP Morgan Chase Bank to discuss the car loan and any late payments I was told by Chase Bank that someone would call me back. 

On XX/XX/XXXX I, XXXX XXXX called Chase Bank in reference of the car loan and also informing them that my bank shows that some of the payments loan has been paid. 
IN THE YEAR OF XXXX A SMALL CLAIMS COURT CITATION WAS FILED AGAINST CHASE BANK FOR THERE COMPANY CONSTANTLY CALLING MY HOUSE 4 TO 5 TIMES A DAY. IN RETURN THE COMPANY HAS BEEN DOING NOTHING BUT HARASSING XXXX XXXX AND IT APPEARS THEY WANT BACK THE CAR I HAVE BEEN PAYING A LOAN ON SINCE THE YEAR OF XXXX. IF ANY COMPANY IS GOING TO REPO A CAR I THOUGHT THEY SHOULD AT LEAST INFORM THEM IN WRITING OR EITHER CERTIFIED MAIL. I have checked with my bank and there are some payments that are not applied to this account. Chase Bank is doing this all because of RETALIATION against the past.
Consumer complaint received 2021-04-14
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: DISCOVER BANK (GA)

I have been disputing this debt constantly, I've noticed that it still remains only on one credit bureau which is XXXX. I have disputed it from all different aspects just to have it removed. It is not my debt and it is beyond a old debt I have continuously dealt with for years now. I've asked for contracts, verbal consent and still I have only received statements in the mail from Discover. I have asked for any contracts with signature attach to prove this is my debt. I have also sent the credit bureau all of the evidence I have, such as ; XXXX XXXX XXXX different statements with ( XXXX XXXX different balances attached to them as well. One was in the amount of {$5200.00} from XXXX. Second statement amount was from XXXX in the amount of {$6800.00}. Third statement was in XXXX at {$7500.00}. This alone would make most question the validity of this debt, and especially when it isn't your debt. I am still awaiting evidence that says I am responsible for this debt. Also the statues of limitation has expired on this debt that pertains to the state laws in GA. It says this account was opened in XXXX. Discover continues to send letters stating that they were provided with name, address, and other identifying information. I have yet to see any of this identifiable information, contracts etc. Please HELP!
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I made a purchase from XXXX XXXX XXXX ( seller ) in the amount of {$2800.00}. I paid via XXXX with my debit card ending in XXXX which is linked to my Citi checking account. XXXX XXXX ( seller ) said it'll take a few weeks to ship my turbo chargers. Timeline : On XX/XX/XXXX I followed up with the seller and I was given a ship date of XX/XX/XXXX. 
On XX/XX/XXXX I asked the seller for tracking info and 2 days later the seller replied that units were not available and that he will upgrade the turbo chargers due to the inconvenience/delay. 
On XXXX XXXX the seller sent me a mock shell so I can get ahead and keep working on my project. 
On XX/XX/XXXX I inquired about the order again and received a reply from XXXX/seller 2 days later saying that it will be the XXXX of XXXX before they could ship. At this point seller offered a refund which I accepted. Seller requested the mock units back before refund was issued. On XX/XX/XXXX I sent the mock units back to the seller via XXXX tracking # XXXX. Mock units were received by the seller and my refund of {$2800.00} was never received. I tried contacting the seller a few times an didnt receive an answer. I tried opening a dispute through XXXX and it was out of the timeframe so I was told to open the claim directly with my bank. 
I opened my dispute with citi bank on XX/XX/XXXX, the reference number they gave me was XXXX. I was asked to fax all documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that they never received the fax. I was very frustrated and went to my nearest branch and submitted copies of all the documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that Citi bank received my documents and they were speaking with XXXX XXXX to resolve my issue. 
Called back on XX/XX/XXXX and they were still processing the claim, to call back. 
On XX/XX/XXXX I called to follow up and I was told that the claim was denied. Customer service rep was unable to provide a reason. I was asked to re-submit all the paperwork to the same fax number I originally used XXXX. 
It is very frustrating, Citi bank denies my dispute without any notification. I never received a letter in the mail saying that they received my dispute or to tell me that my claim was denied. They cant even give me a reason why the claim was denied. This is not how you treat long term customers. I hope you can help me get a straight answer from Citi I opened my dispute back on XX/XX/XXXX and waited more than 3 months for them to tell me that my dispute was denied without a reason. How do I know if someone even reviewed my dispute? Please help. Thank you for your time.
Consumer complaint received 2022-07-14
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. (IL)

Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX  Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

.

.
Consumer complaint received 2022-02-16
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-04-06
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (DC)

XX/XX/XXXX BEST BUY/CBNA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX Subject : Request for Removal of Debt from XX/XX/XXXX Dear Best Buy/CBNA, I am writing to request the removal of a debt that was incurred approximately six to seven years ago, as reported on my credit report. The debt in question appears on my credit report under the account number XXXX, and it originated from Best Buy/CBNA. 
After thorough review of my financial records, I have come to realize that this debt has surpassed the statute of limitations and is no longer legally enforceable. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for reporting most negative information on a credit report is typically seven years from the date of first delinquency. As such, I kindly request that you remove this outdated debt from my credit report. 
I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that removing this outdated debt would reflect a more accurate representation of my credit history. Removing this debt would also help improve my credit score and provide me with better opportunities for financial stability in the future. 
I would appreciate your prompt attention to this matter. If you require any further information or documentation from me to facilitate the removal process, please do not hesitate to contact me at the above-mentioned contact information. 
Thank you for your understanding and cooperation in resolving this issue. I look forward to receiving confirmation of the removal of the debt from my credit report. 
Thank You,
Consumer complaint received 2018-05-25
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. (NJ)

I've recently pulled my free annual credit report from Equifax. I've learnt that XXXX XXXX pulled my " hard '' report in XX/XX/2017. I understand that this negatively effect my credit score. I disputed this information via Equifax 's website. Upon receiving an email that my dispute was completed I called to find the results, since Equifax 's website wasn't working. I was told that I have to contact the creditor directly to dispute the information. I explained to the representative that I've tried but since I don't have an account with XXXX  and I've never opened one - they won't talk to me. And in addition, Equifax released my credit information to XXXX   without my authorization. Therefore, Equifax should be responsible for removing this information from my report. The representative said that she was sorry but she couldn't help me. I requested to speak to the manager, and once I did that the representative turn on the music and disconnected me.

I recall that in XX/XX/XXXX I attempted to apply for a credit card with XXXX, however I never gave them authorization to pull my credit report. They've sent me a Release Authorization form two times and both times they claimed I didn't complete it correctly so I gave up on them assuming that they won't pull the report without authorization. I've never received any other correspondence from XXXX. I don't have an Adverse Action letters or any other information required by the Fair Credit Reporting Act.

Please help me remove the hard inquiry form my credit report. Thank you.