davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Hello, Citibank closed my checking account ( and that of my wife ) back in XXXX and we were told that they would send us a check for the account balance. Finally after almost 3 months, we received a check for each account but in total there was almost {$7000.00} missing from the payment. ( closing balance was {$25000.00} - amount received from the bank {$21000.00} ) My account was short by over {$4000.00} and my wife 's was short by about {$2500.00}. I immediately went to the branch to inform them of the shortage and they confirmed that the closing balance was in fact more than what was returned by Citibank. XXXX ( customer support manager ) asked for a few days to contact the bank 's internal team and that she would get back but despite a half-dozen visits and phone calls, they still have no information. 

I again visited the branch today and again they told me that they don't know why the discrepancy and that I should give them another couple of months! This is NOT a small amount of money to me and my family and now as a result of being without my money, I am late on almost all of my payments and have to pay interest on over $ XXXX in credit cards with a 29.9 % interest rate! PLEASE help me get to the bottom og this because i am not flirting with bankruptcy and can no longer afford my rent or kids ' school. 

I am in shock that a bank can be so callous as to what this is doing to my family and I simply do not have the resources to hire an attorney over something like this. I am BEGGING you to help me out because by life is slowly coming apart because of my financial situation. I recently also lost my job and this situation is ruining my family and our future. The citibank case number is : XXXX XXXX I have no idea where to turn but am praying that someone can help me fix this and begging the bank to do the right thing. You may contact me anytime at XXXX for additional information on this situation. 

Thanks in advance, XXXX XXXX XXXX XXXX Attached please find a copy of the check that was sent to me and the final statement showing a different amount than the check XXXX XXXX XXXX XXXX I am also including a photo of the check they sent to my wife which is also short as her balance was about {$6000.00}. Thank you so much for your help here because I am really in bad shape and the interest alone on my accounts is killing me!
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX an account from Portfolio Recovery was reported on my credit profile. According to State of California law, the state I reside in, it is passed the statute of limitations. Available data shows it was last reported on XX/XX/XXXX which is passed the legal date for this type of account to be reported.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX  XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX ( 11 ) XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have an address showing on my credit report which Ive never lived at. Ive contacted Experian multiple times by phone, by letter asking them to remove these addresses cause Ive never lived there. 

This is causing me to fail security verifications cause Ive never lived at this address which they refuse to remove. Ive called the said companies that they said reported the address to them which they said the received from post off post office said they never submitted this address or had an address change for me. 

Those address are XXXX XXXX XXXX XXXX, IL XXXX Ive never lived here at all ; this address is fraudulent. 

XXXX XXXX  XXXX XXXX, IL XXXX is no longer associated with me
Consumer complaint received 2019-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

I bought a hot tub over a year ago and when the moving company brought it to me it had two big forklift holes in the bottom of it. So they wouldnt leave the tub because it was damaged. I never received anything from any buddy until a year later I received a bill for XXXX dollars from mattress firm/ synchrony bank for the tub. I never received the tub so Im refusing to pay for something I never received. But by not paying something I dont owe its hurting my credit. Ive written letters and called but I one will give me an answer or drop the debit they say I owe. Dont know what I can do.
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XX/XX/2020. I have sent again, disputes on XX/XX/2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act XXXX, Equifax, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX equifax : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2019-06-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery Service ( XXXX XXXX ) is on my credit report and I have sent several letters and reports stating that this debt is not mine. They have sent me the paperwork and apparently someone has taken an account out online in my name and XXXX XXXX sent the money to a XXXX XXXX  in Texas and sent me the account # but I have never had an account at XXXX XXXX and the address the person put on the account is an address I hadn't lived at since XXXX. XXXX XXXX did provide me with the bank account number the money was sent to but this is not my account and I am not paying for anything that I did not do. I never have nor ever will do a " payday loan ''. According to my credit reports, the account was taken out on XX/XX/XXXX in the amount of {$650.00}. I am not going to pay for something that I did not do and this company does not care and this has been effecting my credit report for years. I want it off! Please advise.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (RI)

back in XXXX of XXXX submitted tender of payment for my XXXX XXXX XXXX XXXX in full to Westlake financial. Company repossessed my vehicle back in XXXX of XXXX. I've come to find out that my rights were violated. Notice, it is a fact, I am now aware, that repossession, is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U. S. Constitution. Also, AS I am the creditor Notice, it is a fact, in accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for Westlake Financial to redirect all prior payments, and all current payments to rectify the matters herein, to me. Also that the company engaged in identity theft and numerous violations under title 15. They refused to validate or verify the debt. They also did not comply with my request for accounting. They reported false information to the credit reporting agencies, threatened and harassed me for payment. Then took my property which I have a commercial lien on via an XXXX financing statement. We have no working vehicle and they violated my rights. Along with continuing to report late payments on my credit report
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CT)

Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. Lviv funding local co resurgent capital services XXXX XXXX XXXX XXXXXXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX lack XXXX XXXX XXXX XXXX XXXX  XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX phone XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022, I transferred {$75.00} to my brother ( who lives alone and is on social security ) via PayPal to help him with his groceries. I had made these transfers through PayPal to him before without issue. When he did not receive it, I transferred another {$75.00} to brother, both of these immediately came out of my bank account but did not go into his. Later I transferred a XXXX and XXXX {$75.00} but was able to cancel those when XXXX advised that he had received nothing from PayPal. I have have written and called PayPal numerous times trying to resolve this and to either have them find this money or return it. I have asked that investigation be accelerated. I was told that it was resolved BUT my brother still doesn't have the money and neither do I. They show it in an account that my brother does not have access to. In a phone conversation with PayPal, they told me to have brother contact them and when he did, they just referred him back to me. PayPal has exerted minimal to no effort to find this money and with the cost of groceries, I really wanted to help my brother on a regular basis because he had had to drastically change his shopping ability.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (AZ)

I XXXX XXXX formally XXXX in 2021 went to premier auto of XXXX AZ to purchase a used car. I was informed my credit was low and needed a co- signer I have reached out to my sister XXXX XXXX who agreed solely to co-sign. 
I in office filed out the buyer information as my sister lived in CO a later date she signed Co-signer but never received a copy of any formal documentation. 
Payments were made but I was uninformed they were not accepting them and defaulted me in response with a repossession. 
I presuming I am stated as buyer as I signed that form was informed I was placed as a co-sign. This is illegal. 
Both I and my sisters names where moved in spots on a digital copy I received at a later time and once questioned the dealership would not responded nor the XXXX XXXX bank who approved a fraudulent loan. 
Now XXXX is perusing legal suit in a closed collection on my sister the original and only co-signer with a second and altered contract that does not match my already fraudulent contract. I want them to be looked at for unsafe credit act use and wrongful use of lending practice.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was refunded {$66.00} at paypal. I tried to transfer the refund to my bank account. The money showed up in my account as - {$66.00}. They deducted the amount instead of giving me a refund. They now have chaged me double for this transaction that I canceled. I am a XXXX XXXX XXXX that needs that money for XXXX now, not days and days from now. The paypal representative was clueless that I have been charged twice and how to get the double money back to my bank account.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XXXX, I have never missed a payment and it has always been on time. In XXXX of XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. USAA is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to USAAs Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at USAA, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at USAA can not help me. 

Thank you XXXX XXXX ( XXXX )
Consumer complaint received 2017-05-30
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I discovered a tax lien in t he State of  Maryland which was not correct.     I had not lived in nor worked in the State of Maryland in   XX/XX/XXXX  (   y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In   XX/XX/XXXX  I d iscovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal on    XX/XX/XXXX   noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On   XX/XX/XXXX  I sent   XXXX  proof of the liens updated status requesting removal by US Mail.     On   XX/XX/XXXX , I disput ed online through  XXXX   XXXX .     On   XX/XX/XXXX  I  mailed copy of lien withdrawal to  XXXX  by certified mail return receipt requeste d (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered   XX/XX/XXXX .      On    XX/XX/XXXX   I  spoke with a  XXXX  customer service agent to check status of my request for investigation. I was told that investigation was incomplete.       XX/XX/XXXX    XXXX  reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State of Maryl and as this was a lien filed in error. I sent information by US mail and confirmed documents had been received.      XXXX  is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The State of Maryland recognized the error and filed a motion to vacate and withdraw while  XXXX  has failed to properly investigate and report the error.
Consumer complaint received 2020-12-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/2020, more than a {$180.00} was debited from my account by Navy Federal. The charge was unlawful. Navy Federal also puts additional money on any account you have with them in order to collect funds from other accounts that were discharged in bankruptcy.

I have accounts for my children with Navy Federal and have just been informed on XX/XX/2020, that they also may have money withdrawn from their accounts for transactions unrelated to them even as minors.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.