davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
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. (IL)

On XX/XX/XXXX a payment for my Citibank credit card was requested by the over the phone automated system, requesting that {$8700.00} be paid to my Citibank credit card using the bank account and routing number I had on file ( my checking account via XXXX XXXX XXXX  ). I did not make this request, there is no call in my call history on my phone showing that I called Citibank to allow this payment to go through. I did not receive an email confirmation of this payment going through or being accepted so I had no knowledge of it. On XX/XX/XXXX, the check cleared for XXXX, draining my bank account of almost all of my cash ( and some overdraw from savings ). When I called Citibank to inquire, they told me that the payment was valid. I asked for a call log to be pulled, and they were able to confirm that the phone number that called to make the payment was NOT my phone number on record. After many frustrating calls, they told me they would reverse the payment and refund my bank account within 3-5 business days. After the fifth day, I called Citibank to inquire about my refund, they told me that it was not being processed and that it could take up to 30 days. I asked why and they said they needed XXXX XXXX XXXX to confirm they were not planning on retracting the check. I asked when they would be able to call XXXX XXXX XXXX and they told me within 30 days. After a lot of pushing, I was able to get Citi on the phone with XXXX XXXX XXXX  to confirm the check wouldn't be retracted. They then told me now it would be another 3-5 business days to get my cash back into my account. It's theXX/XX/XXXX and I still do not have my {$8700.00} back into my account. I did not make the payment, clearly that is the case since Citi confirmed that it was not my phone number that made the call. I'm owed my money back and the fact that I'm out of that much cash, is unnerving. Citi has provided me no resolution or assurance that they have the right checks and balances in place for over the phone payments. Since no one from Citi is helping me, I've decided that I needed to contact you. Thank you for your time.
Consumer complaint received 2019-03-21
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. (TX)

Equifax is reporting incorrectly that I am past due on the XXXX - partial account numbers XXXX ; XXXX ; XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. XXXX and XXXX  are reporting correctly on this account.
Consumer complaint received 2019-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (GA)

XXXX My husband and I are trying to get a home loan, but PNC bank has reported negative info on our credit report dropping our score to disqualify. After contacting the company directly I got no clear reason or itemization on the debt.
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/ PayPal Credit contacted me by letter alleging that I own a debt {$65.00}. I telephone called PayPal and was advised that I didn't have an account. I responded Pursuant to the Fair Debt Collection Practices Act, Demanding Information ; Verify the amount of debt, send a copy of written verification of debt with name creditor, Stop all collection efforts until I receive a copy of this written verification of debt. 

Received a letter dated XX/XX/XXXXalleging I owe {$24.00} for transaction dated XX/XX/XXXX XXXX, ( Account XXXX XXXX XXXX XXXX ) On XX/XX/, I received a bill from PayPal for {$100.00} which I do not own. 

Thanks for your attention regarding this matter. 
XXXX XXXX
Consumer complaint received 2018-04-19
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: KEYCORP (WA)

I reported a fraud problem with my bank, a national branch of XXXX XXXX ; on the XX/XX/XXXX. The card was 1st duplicated and then stolen - the csr who took my case said the entire account has been compromised. I filed my fraud problem on the XX/XX/XXXX both in person at the XXXX, Wa. Branch and with the XXXX fraud number for keybank. 
They offered me NO PROVISIONARY funding until XX/XX/XXXX, and have since not only refused to take calls from me but will not return urgent messages from me either. They amount they gave me for provisionary funding was about 1000 , my fraud case is over 10,000.00 ; so i require some kind of communication regarding my claim because as it stands the bank is refusing to cooperate with me on over {$9000.00} of funds that they owe me. They are aware i would likeit settled because i want to transfer to a different bank. You should know that this is about the 3rd or 4th time this bank has allowed this to happen and every time they have handled it in this manner. Besides the unprofessionalism, psycho-terrorism of the phone system and the refusal to follow FDIC laws and guidelines .... 
I revoke my consent for them to " handle '' my finances and want the account closed. They tell me i cant cloae it until ita settled, but they refuse to settle it. And for your own information ; same bank : XXXX, Wa. XXXX - branch manager abouy 3 years ago stole the hard copy, original washington state drivers license. She told me for 2 weeks they didnt have it so i replaced it. DOL never deactivated the " lost one '' per the department of social security so i went back into dol. Almost 1 year later, same branch manager gave me the id back saying it has been in her desk waiting for me the whole time ... .. 
Instead what actually happened was keybank as an entity - uaed my identification to access an account i have with them under my legal last name.. XXXX XXXX ; began embezzelling money from that account, sold my identity to XXXX and department of licensing and many other companies for embezzelment using said account. This account isnt available is all they say to me - ive been locked out of it since the moment i turned XXXX. I am now XXXX ... 
The same branch manager also CLOSED one of my accounts without authorization telling me i was signing to receive provisionary funding. The next time i tried to access the account she had actually tricked my signature and closed said account. 
I want this handled. 
They are given 10 days, its been 19 days, 3 chances and 3 different accounts all with not just issues, but illegal activity.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XX/XX/XXXXas soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (WA)

I received a letter from Sequim Asset Solutions regarding a past due amount from XXXX XXXX. I had been in contact with XXXX numerous times regarding their incorrect charges for services they were not able to provide, have been told this would be escalated and resolved and despite numerous calls and hours being kept on hold they have never responded or corrected the bill so I refused to pay. I also put this in writing and mailed this statement to Sequium Assets on XXXX which was prior to their stated dispute final date of XXXX however they still put this collections on my credit report and never reasoned to my written dispute. I have also called Asset and was told the will note my account and look into it but could not tell me why they still sent this to collections despite having my dispute prior to their deadline.
Consumer complaint received 2022-06-13
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. (TX)

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2018-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Northstar Management, Inc. (WI)

On XX/XX/XXXX original loan XXXX, on XX/XX/XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX ,XXXX, XX/XX/XXXX XXXX,XXXX,XXXX, and two recites showing different amounts owed.and everytime you call, or go there asking question pertaining to your account there rude, have attitudes, or make you uncomfortable.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

An account closed by credit grantor is still showing on my XXXX report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.
Consumer complaint received 2019-03-21
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. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant  documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case.

But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXXXXXX XXXX XXXX*, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX XXXX, Date OpenedXX/XX/XXXX Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2018-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX  would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX  or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  Recently, I did an investigation on my credit report which caused report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

On my Public Record Bankruptcy XXXX  XXXX-discharged US Bankruptcy Court has also assured me that it is not within their policy or obligation to validate any public records. Following my confirmation with the US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NJ)

There is a single late payment appearing on my credit history in XX/XX/XXXX for a XXXX XXXX ( XXXX XXXX ) account as reported to the credit bureaus that I feel should be removed from my history as they had already revised this on my account, even refunding the late charge, but still being reported by them as late. 
At that time I had called to explain my husband 's condition, which had eventually lead to his XXXX in XX/XX/XXXX. 
Based on the full history of this account I believe this single late payment should be removed from the credit reports. 
Thank you.
Consumer complaint received 2022-07-21
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. (CA)

XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received a voicemail from an unknown person claiming to be from " XXXX '' and attempting to deliver to me legal documents. I called the number back and requested that my number be removed from their list. They claimed they did not have a list and they worked with an attorney 's office. They asked me to verify my personal information and then told me they were suing me for a debt that I don't have any knowledge of, on behalf of an institution I had not had a relationship with in 16 years. The representative then told me " don't miss your court date '' and hung up. 

I believe a false claim to file a suit or to file a suit in bad faith to try to collect an account known to be beyond the statute of limitations ( if it was ever valid at all ) would be a violation of the FDCPA.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED XXXX, XXXX, AND TRANSUNION ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS