davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TN)

I have been locked out of my Citi checking/savings account for several months now and the business refuses to help me gain access while continuing to charge me fees. The " security model '' is twisted. I know my online account login name and password. However, I do not know where my debit card is. Yet, validating my identity online to log in now requires me to provide my debit card number ( which I do not have because I do not know where it is ). 

I have attempted to contact the business via phone to regain access, however, they require I give them my debit card number ( which I don't have ) in order to help me regain access. The other alternative they provided was for me to give them my acccount number ( which I don't have because I'm locked out of my account which is set to paperless statements so I have no way of getting the account number ). 

They also refuse to issue me a replacement debit card even after providing them my birthdate and social security number. 

So when I call to get help over the phone, I'm routed to some call center in the XXXX that refuses to help me based on what I said above and they refuse to escalate my case to a manager because they " can't validate my identity ''. They said my only option was to go into a branch ( of which none are located within several XXXX miles of me ). If I try to search their website for a branch near me, there are literally XXXX search results. 

Meanwhile, they are assessing a monthly account maintenance fee for an account I can't even access. My only option was to write to them and ask them to reverse the fee and close my account. I sent this letter on XX/XX/XXXX and I've received no response to my letter but I received two more notices by mail. One saying they assessed another monthly maintenance fee ( bringing my account balance to - {$24.00} ) & another saying my account access has been restricted based on it being negative and them threatening to close my account and report it to the credit bureaus. 

But it wouldn't be negative if I had access to service it or even close it, but they won't allow me to do anything without a debit card and they won't replace my debit card because I don't know my account number. So this literally leaves me powerless to do anything about the situation.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several accounts listed on my credit report, which I believe to be fraudulent. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2021-07-20
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. (IL)

To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX  address stating TRASUNION received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from Transunion attached with other evidences to prove this statement was written by ME )
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing this complaint regarding the accounts and information that Experian is reporting to my consumer report. After going over my report I noticed several accounts that are negatively impacting my credit score in which I have no knowledge of the creditors reporting this debt. Ive then mailed a letter to Experian asking them to investigate these accounts in which they never gave me a response. I reached out to the creditors and asked them to verify any debt and send me all documentation that authorizes the accounts. I am aware that it is Experians duty to properly investigate my consumer report and remove anything thats not accurate nor verifiable. If theyre reporting these accounts, why cant they be verified with proof of signatures? The creditors listed in my complaint never had the consent to report, which is a violation of my right to privacy. Also, purchasing and selling my personal information without my consent is fraud and violates my right to privacy. No account may report to my consumer report without my consent or validation. In this complaint I have a dispute letter with the inaccurate information that I would like Experian to investigate and ensure the most accurate information possible is being reported. 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank states the following on my specific account : '' Citizens XXXX XXXX XXXXXXXX If you overdraw your account, you have until XXXX XXXX ET the following business day to get your available balance back to {$0.00} or more and well rebate your overdraft fee. 
Learn more about Citizens XXXX XXXX XXXX  Automatically enrolled '' I have an Overdraft line of credit. However I still pay $ XXXX plus {$12.00} for every overdraft plus interest. On XX/XX/23 and XX/XX/23 I was charged {$12.00} each for overdraft fees. My account was overdrawn less than XXXX hrs. According to the above policy my transfer fees should be credited. There is no message center allowing me to communicate with the bank regarding this. I called " Customer Service '' on XX/XX/23 AM. After finally getting to a live person I attempted to calmly explain my issue. He talked over me with a raised voice and told me I was wrong.
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by XXXX XXXX XXXX  on behalf of national credit adjusters. In the letter it says that I owe original creditor balance credit. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to XXXX. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from XXXX XXXX XXXX telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called balance credit. More importantly this communication dated XX/XX/2021 from XXXX XXXX XXXX clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.
Consumer complaint received 2021-07-20
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. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal decided to close my account without a valid reason. I submitted all relevant documents that they did ask me to provide but my account still got terminated. It is my belief that my account was not handled with any care during the review of my documents because otherwise I would have my account back. 
Please help follow this up for me as my account closure was not fair at all.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Previous complaint number ID - XXXX In reference to this complaint after 3 1/2 months Chase returned my money. 

However no interest was added. They are lending money at 7 %. I called them asking about the interest they owe me for withholding the funds and they claim it is not " protocol '' to give interest funds. This money was illegally withheld and as of today they never gave me a reason other than fraud, which it was not the case. 

I am aware they used my money for 3 1/2 months, lent it, collected 7 % interest and kept it to themselves. I want my share of that interest even if it is {$1.00}. 
At this point it is a matter of principle. 

I am in awe of what the government allow these banks to do to the citizens especially us, the middle class. They are stealing from us and they get away with it. 

Please advise if there is any recourse to my complaint. 

Thank you for your attention. 

XXXX XXXX
Consumer complaint received 2023-08-23
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: DISCOVER BANK (MI)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by dynamic recovery solutions on behalf of national credit adjusters. In the letter it says that I owe original creditor XXXX XXXX. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to Rise. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from dynamic recovery solutions telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called XXXX XXXX. More importantly this communication dated XX/XX/2021 from dynamic recovery solutions clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

MACY 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Consumer complaint received 2018-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A new hard inquiry was made on my Transunion account for a XXXX card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

Credit card opened fraudulently in my spouse and is name, contacted discover to report the issue Discover continues to email me constantly telling me I owe them money or they will send it as a charge off My wife is an authorized user This account was not opened by either of us The accounts that are ours, is 2 checking account and 2 savings account. Wife has 1 credit card. I am not an authorized user.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

on XX/XX/XXXX a check was deposited with Bank of America into our primary checking account We are XXXX and this is a regular deposit of quarterly distribution from a company we are partners in. The partnership, and the business checking account with XXXX XXXX XXXX used to make the distribution has been the same for years. The distribution check has been deposited into our same checking account. 
On this occasion the deposit was made via an ATM. This is usual. The deposit slip said there was a hold on the funds until XX/XX/XXXX because " check specific information indicates it may be returned ''. If I had known this I would have held to deposit until it was cleared up, but of course I could not take to check back from the machine before. 
XXXX XXXX XXXX  provided me with a copy of my endorsed check, processed and paid on XX/XX/XXXX and returned to the business account from which it issued. 
Bank of America will not consider releasing the funds before XX/XX/XXXX because " XXXX XXXX has until XX/XX/XXXX to withdraw the funds. I do not believe this is correct. Even if the business check was a fraud, I believe XXXX XXXX XXXX would have only 24 hours to withdrawn the funds then would have to honor the check. 
The funds in our account on before the deposit are exhausted, we are incurring overdrafts and are exhausting cash for groceries, etc. is there any remedy for the overdraft charges? why doesn't Bank of America have to give an account of the funds and release them if they have been remitted as XXXX XXXX documents they have been? 
I can text phone photos of the deposit slip, copy of check endorsed, and returned to XXXX XXXX XXXX after payment, and XXXX XXXX XXXX document showing funds were disbursed.
Consumer complaint received 2017-06-23
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. (CA)

I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit TWICE. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!
Consumer complaint received 2021-07-20
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 — Problem with personal statement of dispute
Company: LoanCare, LLC (TN)

In XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Consumer complaint received 2023-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eagle Financial Services, Inc. (IN)

Eagle Loan Company of XXXX XXXX contacted me through a Lawyer, stating that I owe a debt from XXXX. I was sentenced to XXXX in XXXX XXXX XXXX and was XXXX from XXXX, but never received anything regarding this outstanding fee. I received a letter from XXXX XXXX XXXX in the XXXX  of XXXX, stating they are pressing charges against me and seeking a garnishment to satisfy this outstanding fee. I went to court, XXXX XXXX XXXX, and was approached by an Eagle Financial representative, to settle before seeing the judge. When the Rep called the office to report our agreement, they were unable to find my case. After going in front of the court with the agreement, I made a successful payment of {$300.00} for the month of XXXX. On XX/XX/XXXX, I was hurt at work and currently fighting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been off of work and not paid since XX/XX/XXXX and cant afford this settlement.
Consumer complaint received 2018-12-27
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. (WI)

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.