davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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. (MO)

I accepted a promotional offer by Citi Credit Cards to do a balance transfer for car loan at XXXX XXXX. I used a check sent by Citi with which I was supposed to pay the remaining balance on the loan, which was {$2300.00}. After submitting the pay-off check to XXXX XXXX on XXXX XXXX, I later received a letter from XXXX XXXX informing me the check was returned to sender. This is reflected on a XXXX XXXX account statement indicating the payoff was reversed on XXXX XXXX. 

I therefore called Citi to inquire about the reversal. They informed they did not know why it did not go through and then recommended I send a second payment, so I authorized a second payment of {$2300.00}, the increase in amount accounting for interest accrued since the reversed payment. The second payment went through to XXXX XXXX, which was reflected on my XXXX XXXX account statement. However, my Citi account showed that both payments went through, both the {$2300.00} AND the {$2300.00}. 

I called Citi to ask about it, and they told me they would start an investigation into the payments and told me to tell XXXX XXXX that Citi would be calling. I then called XXXX XXXX to inform them of this. 

Several days later, I called Citi to ask about the status of the investigation. They did not know the status and could not tell me. They said they tried to get me in touch with an account specialist but could not get ahold of one and recommended I call back later. 

A week later, I called Citi again to ask about the status and hopefully get in touch with an account specialist. I was then bounced around to several departments, each one saying that they would transfer me to the correct person, none of whom actually helped me. Finally they directed me to a person purporting to be able to help, but she began asking the same questions that were asked when I first filed the dispute and told me to inform XXXX XXXX they would be calling. This didn't make sense as an investigation was already allegedly underway. I asked to speak to a manager and was put on hold indefinitely. I had already been on the phone for 41 minutes, so I did not want to wait any longer.
Consumer complaint received 2019-01-23
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. (GA)

I sent off dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-23
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. (GA)

I sent off dispute letters to XXXX, XXXX, and Transunion on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2023-04-01
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-08-16
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. (TX)

I am a natural person, I am a human living being. I have rights under 15 USC 1681 Equifax is govern by USC 1681. And they violated my rights numerous of times. I demand the account listed be remove because.

According to USC 1681 : I have the right to privacy and i di not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

We have a conventional home mortgage loan with PennyMac. The home value is {$340000.00}. Our initial loan was for {$310000.00}. We then paid an additional {$40000.00} in principal in XX/XX/2018. This should automatically qualify to eliminate PMI. Our balance is now {$260000.00}. 

We have contacted PennyMac several times on this and each time they claim that they will send us paperwork to complete and return. This has never happened. Every time we call they state that they have no record of our request and that they will start the process all over again. This has happened three times now as of XX/XX/18. 

I have attached my loan statement information and loan activity statement to show additional principal payment.
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am on a payment plan of {$50.00} a month since 2012 to pay off a total balance of {$7000.00}. I never missed a payment! I called the call center to pay the rest of the amount I owe them. which is {$850.00} the payment plan was filed with the courts in 2012 When I told them I wanted to pay off the rest of my account, they refused the payment and said it was in an internal review with their lawyers and refused to take any payments. 
and told me to send them a note that I did not deny the debt. after paying on this debt for 10 years I'm gon na deny the debt. no, I wanted to pay the rest of the planned balance off I called them several times and got the same story, it was in an internal review. and they could not take any payments on the account. The default amount is {$9800.00} in other words. so basically if they can't take my payments for the account I go into default. 
I am a XXXX citizen on social security I did the right thing by paying my debts this is causing me lots of stress .and health problems please help
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc. (AZ)

App in question has failed on every attempt for any customer service maliciously having under qualified CSR to handle repeated problems with account, fees ARE NOT CLEARLY MARKED IN ANY STATEMENT and one is left between the frustration of customer service thats worse than a bot, and the knowledge youre never resolving your issue. On XX/XX/23 woke up to a negative amount with nothing on my history and had to reach out to customer service to find out why, a vendor had refunded than took back some of the money they also took a late fee for this issue and the service rep was like talking to a wall im assuming due to a language barrier that allows for nothing to get resolved, this happened earlier in the year as well when i had a scam issue with a XXXX XXXX  and they also where of no help.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DC)

I recently opened a new account with chase. A few months after opening the account I realized I had several false charges and some of my funds that I had deposited into the account had been handled improperly. However I after disputing the transactions and filing a claim for fraud and receiving my new bank card. I realized that the bank had sent me a card with similar numbers to an individual who had already had an account with chase using my name. The individual being my cousin XXXX XXXX XXXX. I do not know if the bank knowingly committed fraud or not however the individual has committed identity theft and fraud in my name.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

On XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had to be taken by XXXX XXXX XXXX, XXXX XXXX XXXX. I was told by the hospital it was covered by insurance, only to find out later this ambulance service accepts no insurance! They are billing me {$8300.00} for a one way trip to the facility she needed to go to. In addition, they are charging me another {$1700.00} plus dollars for a 10 minute ride to the hospital from my house! These charges are beyond excessive. I wrote XXXX repeatedly and explained to them I can not afford this bill. I asked for financial reprieve under finaicnaoil stress situation. They never responded. I am a single mother. My children 's father XXXX XXXX XXXX XXXX years ago. Now they have me in collections. This bill falls under the " No Surprises Act '', as I have private health insurance and this company would not accept my insurance. You are not given a choice at a hospital which ambulance to use. Their XXXX XXXX XXXX program is only for those at federal poverty level.
Consumer complaint received 2022-08-16
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2019-05-07
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Auto loan was originally opened with myself as co-signer, vehicle was not in my possession. Primary refinanced vehicle to have me removed from auto-loan. As of today, reporting is not up to date and reflecting incorrectly having my name attached to loan still.
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (GA)

AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.
Consumer complaint received 2022-08-16
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX XXXX ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX  ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX  ( Collection ) Acct. # XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have Loan XXXX XXXX XXXX XXXX. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I found my data had been breached from XXXX this led to a free sign up with trusted id, i registered on XX/XX/XXXX, however i was not able to sign up for the service as i got the security questions wrong as they referenced a car loan and an amount of the loan was question 2,  question 3 was also for a loan taken in XX/XX/XXXX and question 4 was the amount. I don't have any loans so failed the security test and was directed to call, when i called i was told after answering my date of birth that they could not continue the call as the date of birth on my social security number is very different to mine, i was sent an email to address the issue and had to provide copies of my Driving license which i did on XXXX XX/XX/XXXX, i have called and emailed and still the executive team have not resolved my date of birth and i still have no access to trusted id. 
I tried to get a free credit report with experian and was met with the same response and wasn't able to access a credit report due to the security issues.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC. (IL)

My XXXX account I believe was hacked due to the fact that i had not sent out any money on the app, I always use XXXX. The following dates are the dates that the transactions took place XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. I know youre first question is Why had you not spotted this sooner? And to be honest, I check my checking account at the end of the month when i get my statement. Even after i took this up with my bank and XXXX XXXX told them my story and waited for a few weeks, they did absolutely nothing about it. This makes me extremely upset because in that one month i had lost {$7200.00}. And then telling me they cant do anything about it even though that is what theyre designed to do just makes this whole situation sickening. To conclude, I would like to give a huge thanks to The First Midwest Bank for doing absolutely nothing about fraudulent charges and will be most likely switching banks if this ever gets resolved due to the fact that they were unprofessional about this whole situation.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AR)

On XXXX XXXX XXXX, I opened a checking account with XXXX and made a single transaction of {$27.00} by transferring funds into it. However, to my surprise, on XX/XX/, I received an email informing me that my account had been reviewed and that there was activity that your platform was unable to accept. Consequently, they mentioned that my funds would be held for a period of 90 days. 

Naturally, concerned about this unexpected development, I immediately contacted the customer service department seeking clarification on the nature of this activity. Unfortunately, I encountered a disappointing experience. The representatives I spoke to were unable to provide me with any meaningful information or assistance. They could not tell me what activity was made. They also would not let me speak to anyone in the security department. No one I spoke to could give me a valid reason or explanation.I found this lack of transparency and support disheartening, especially considering that the only transaction made on my account was the initial deposit I made.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, 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 ) states 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.