davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IN)

My name is XXXX XXXX. I am writing this letter to dispute a credit card transaction and late fees and interests due to an unauthorized transaction on my account. 
I got a statement from ( Citi bank ) concerning XXXX XXXX Visa Card by Citi with an amount of {$300.00}. I also got a letter from collection agency -radius- for the same amount. 
When I called Citi Bank, they referred me to their recovery department, they stated that this is the fee for XXXX membership renewal. 
I closed my membership of XXXX two years ago and closed my XXXX credit card issued from citi bank two years ago. 
When I checked online at ( www.citicaards.com ), I found that somebody at citi bank opened a new credit card for me ended with XXXX and charged me on XX/XX/2018 an amount of {$120.00} for XXXX membership renewal and a late fee and interest was placed on my account since this time and now the total amount is {$300.00}. 
I called XXXX membership department and they stated that my account was closed, and they did not request to authorize citi bank to renew my membership. 
I did not authorize anyone to renew XXXX membership or to make a new credit card for me. I am out of the States for one year now. 
When I contacted Citi bank, they stated that my account is closed, and I have a XXXX balance and they referred me to collection department who refused to dispute the transaction and the late fees and interests. 
Citi bank openend a new credit card without my authorization and charged me without my authorization. 
This affects my credit score significantly for a transaction that I have never performed, and it was sent already for collection. 
Bank information : Citi Bank XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here you are my contact information : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Email : XXXX XXXX
Consumer complaint received 2023-04-04
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (OK)

My previous mortgage was given to Selene Finance from XXXX XXXX. In as of XX/XX/XXXX Selene Finance put on my credit report that I had late payments in XX/XX/XXXX and XX/XX/XXXX. As you can see below from Selene 's  own information payment was cleared for XXXX on XX/XX/XXXX and the entire balance was paid on XX/XX/XXXX. Both are well within the time frame before it would be considered late. I have never been late with my mortgage payment and have not been late on any payment at all since XXXX. I have fought with Selene Finance to correct their mistake which they continue to deny and refuse to update with the correct information. This is now impacting my family and I being able to get another mortgage to buy our family home. I pray that you are able to assist me in anyway in getting this corrected. 
SELENE FINANCE PAYMENT HISTORY Date Amount Description XX/XX/XXXX - {$220.00} Escrow Disbursement XX/XX/XXXX {$20.00} Payment of Fee XX/XX/XXXX {$180000.00} Payoff XX/XX/XXXX {$20.00} Assessed Fee XX/XX/XXXX - {$1600.00} Insurance Disbursement XX/XX/XXXX {$1200.00} Payment XXXX ALERT FOR SELENE FINANCE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern and frustration regarding your failure to comply with the law by neglecting to remove the remaining fraudulent accounts from my credit report. It is important to note that other bureaus have already completed their investigations and confirmed the absence of any fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (AZ)

I called aidvantage last week to request a refund of payments made during the Covid relief period from XX/XX/XXXX to XX/XX/XXXX due to the president announcing student loan forgiveness for my income bracket and pell XXXX status. I also asked that my loan be put back into the offered Covid forbearance until XX/XX/XXXX. I have not received a refund of payments made and my loan balance is still at the same as it was before asking for the refund of payments. The only thing that occurred was that my loan was put into forbearance.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I instructed Bank of America to pay via XXXX {$160.00}. I found out that the intended receiver account had been hacked so Improceede to contact bank of america but had difficult time getting a life person. Finally on XX/XX/22 spoke to someone that understanding my issue, transferred the call to XXXX XXXX XXXX. After holding for more that XXXX XXXX my call was cut-off. I king of gave up as don't want to spend my time trying to have a conversation with BofA. I also received a request to evaluate my interaction with BofA and while the person on the line was very pleasant, I did point out that I failed to report the fraud since mu call was lost after an hour waiting. 
Yesterday,XXXX after talking to some family member the convince me to recontact BofA again another long process and after that I got the message : Soory we are closed try again during business hour. 

This morning, XX/XX/22 I was luck as it took less that XXXX XXXX to have my call answered and must say spoke to a very pleasant young lady, XXXX, she patiently took all the information and proceeded to dispute the transaction. 

I am disappointed that perhaps a more expedite action on the part of Bank of America could have helped stop this forgery activity from taking place and even more important flag these fraudster so other consumers don't fall for these scams.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

A charge for the amount of {$690.00} appeared on my credit card statement on XX/XX/XXXX from XXXX XXXX. I have purchased a ticket from XXXX XXXX that day but the charge should have been {$340.00}. I called XXXX XXXX multiple times and I spoke with agents at the airport and XXXX XXXX insisted that they charged the right amount of {$340.00}. I filed a dispute with citibank ( the card issuer ) and provided all documentation. The bank inquired with XXXX XXXX and the airlines provided documentation showing the fee is {$340.00}. The bank is refusing the credit my account for the difference. They are asking that I resend the document that I already provided and they acknowledged that they received them. If somebody from citibank simply reads the documentation I provided and the documentation that was provided by XXXX XXXX they will see that the amount should be {$340.00} and not {$690.00}. CitiBank has all the documents that I attached to this dispute.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (NY)

Debt is past New York State Statute of limitations last payment made XX/XX/2006 And is stated on letter received after collection agency called I had to request letter did not send a head of phone call. Collector did not up date file for address or phone number at time of call there for had info and did not send initial demand letter prior to calling
Consumer complaint received 2019-02-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seterus, Inc. (GA)

The below paragraph from you Seterus, Inc. from the response of the complaint XXXX The amount disclosed on the Notice of Intent to Foreclose consisted of the XX/XX/XXXX, and XX/XX/XXXX, contractual installments each in the amount of {$1100.00} minus the funds in suspense on XX/XX/XXXX, in the amount of {$210.00} which equals the amount of {$2000.00} disclosed on the notice. As of the date of this letter, the loan is contractually delinquent for XX/XX/XXXX, installment in the amount of {$1100.00}. 

I have attached XXXX and XX/XX/XXXX Bank statements proving AGAIN I did not owe Seterus , Inc . The mortgage payments were transferred by ACH. These complaints are not about the XX/XX/XXXX mortgage that is not paid. This is about returning my money overpaid to Seterus back in XX/XX/XXXX. My bank statements are proof that I was paid to date! I am NOT going to continue to send bank statements to prove to Seterus I am paid. I do this with no one I pay! POST your ACH payments when paid and I want my money returned for the XX/XX/XXXX cashiers check for {$2000.00}. You are not going to keep my money.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (OH)

I get SSI and my deposits are made to a XXXX XXXX XXXX. This morning I went to check my account and I could not access my card. Upon calling I could not access anything. After four hours I was finally able to talk to someone who said I would need to talk to a Level 2 Fraud person with XXXX XXXX. Upon trying to transfer I was disconnected. Then 2 hours later I got another representative and she was finally able to determine that I am infact ME by previous withdrawal information. I was then told by her that on XX/XX/29 someone in XXXX Florida pretending to be me had called in with all my information and had XXXX XXXX issue a new Card and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. She the rep with XXXX supplied this information to me. I asked her I had recently moved from XXXX to XXXX in XXXX did they have XXXX as my previous address she said that was not what they had on file. She waited for nearly 45 minutes so they could transfer me to the FRAUD Division with XXXX XXXX who told me I would be issued a new card however it would take 45 to 90 days before a refund and this CLAIM could be investigated. They said it was my fault because I must have leaked my personal information. My old card has been in my wallet since last month and no one has access to this. I had to file a police report which I did with XXXX OHIO Police Department Lt. XXXX, I put a Fraud Alert on my accounts with XXXX   and XXXX XXXX like As soon as I knew what had happened. I also contacted Social Security and will be going there on Tuesday I filed a formal complaint with Social Security through there XXXX number Fraud XXXX XXXX said they would not be refunding my SSI money I would have to pay XXXX fee for a new card. I read online today that XXXX XXXX had posted an article about Comerica Bank and the Breach of Public information of Clients and how it had affected a lot of veterans back in XXXX, https :  XXXX XXXX XXXX again wants me to send my personal information plus a police report to XXXX XXXX Texas . The same Texas that was posted in XXXX XXXX that they supposedly closed.
Consumer complaint received 2022-09-02
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have asked Capital One XXXX to remove me from their mailing lists at least a dozen times over five years to stop mailing me marketing promotions but they refuse. They are sending marketing materials to an XXXX I have, XXXX XXXX XXXX XXXX XXXX. I am on all do not contact lists, personally & for this business, but they must not look at them or using them in their marketing programs. Please help me get Capital One XXXX to stop mailing me, as I have requested many, many times. Thank you
Consumer complaint received 2022-08-29
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. (PA)

I was laid off from my job because of XXXX so I was kind of struggling in paying but I still did I was late and I still want these to be removed because I'm planning to get a mortgage and I know that these lates will affect my credibility.
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (TX)

Dynamic Recovery Solutions is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX XXXX XXXX. I'm not familiar with them either. 

If I have no written contract with Dynamic Recovery why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation.

I have sent a letter directly to Dynamic disputing these charges and account a week ago.
Consumer complaint received 2022-09-02
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. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2021-08-23
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: CLGF Holdco 1, LLC (PA)

On XX/XX/20 XXXX Genesis.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2022-09-02
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. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous XXXX, stress, and financial hardship.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Jeffrey R. Lankenau, Attorney at Law (OH)

My son was seeing a XXXX at XXXX XXXX in XXXX. On XX/XX/XXXX I had received a statement saying I owed {$570.00}. On XX/XX/XXXX I had faxed XXXX a copy of my insurance card with a note saying I thought they were billing the incorrect insurance company. On XX/XX/XXXX I received another statement so I called on XX/XX/XXXX and spoke with a gentleman in the billing department. He said he did get the insurance card, to not pay the bill and he will bill the correct insurance company. I then on XX/XX/XXXX, receive a letter from a lawyer that XXXX is making me pay the full {$570.00} plus late fees. I called my insurance company asking about the claims. XXXX at XXXX XXXX XXXX XXXX stated that XXXX did not file the claims until XX/XX/XXXX, it was passed the allowed allotted time therefore they were denying the claims. She also said I had a right to file an appeal on the claims. I also had sent a letter to the lawyers office disputing the charges. On XX/XX/XXXX I received a notice from the court that I will have to appear in court for the charges. I called my insurance company about the appeals and they stated that since it was passed the date they are upholding their original decision. I think it is XXXX XXXX that I did what I could to get him to send the information into my insurance. If he had the information on XX/XX/XXXX why did he not bill the insurance company until XX/XX/XXXX? I am being forced to pay all of the amount and late fees because he didn't do his job. This is not the first time I have had trouble with their billing department. I am not getting in resolve from them or the lawyer Jeffrey Lankenau in XXXX Ohio.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (NY)

Experian has been in violation of my consumer rights. They don't seen to adhere with FCRA. Yesterday I spoke with a specialist and he disregarded what I was trying to explain about my consumer rights and consumer law. I let him know that policy does not override federal. He was not being receptive at all, he did not want me to read my codes and laws that congress put in place to protect me as a consumer. I recorded the phone conversation his name is XXXX. As per law, 15 USC 1681 ( a ) ( XXXX & XXXX ). Experian have assumed a vital role, and they have a grave responsibility with fairness, and to be impartial which the specialist on the phone yesterday was not practicing any of this. He was being very partial and I also have the right to privacy as a consumer. 
In addition, I requested that XXXX and mcu show certification and my written consent with my signature and that experian supposed to hold those docs in their possession in order to claim that I gave permission to furnish anything on my file as per 15 usc 1681b ( a ) ( XXXX ). Remove these immediately. 
My question is, is EXPERIAN willing to be held liable for the damages according 15 usc 1681n?