davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (AZ)

On XXXX/XXXX/2016 at XXXX MST, a credit of {$2400.00} was issued to me by XXXX, XXXX, AZ XXXX, Phone number XXXX ( XXXX Invoice and credit card receipt attached ). The refund credit was made to Citibank VISA Signature Credit Card XXXX. Citibank customer service, on several occasion since XXXX, has stated that this credit card account does not exist in spite of the fact that I have the credit card in my possession with my picture on it ( copy attached ) and an email from Citibank dated XXXX XXXX, 2016 at XXXX MDT that states the card is activated and ready to use effective XXXX XXXX, 2016 ( copy attached ). 

Citibank ( via their customer service number XXXX ), has stated that there is nothing Citibank can do about this issue because the credit card account stated above does not exist at Citibank. They have also stated that any refund transaction coming in from anywhere would be rejected immediately because the credit card account does not exist at Citibank. 

I have contacted the XXXX accounting department ( XXXX at XXXX ) and waited the requisite 72 hours for the transaction to be rejected by Citibank ( XXXX stated rules ). As of XXXX XXXX, 2016, XXXX states that the transaction did go through and was processed and so there is nothing XXXX can do about my refund credit in spite of the fact they now have the returned merchandise ( and other merchandise that I never received ) in their possession. XXXX has stated that the XXXX XXXX XXXX XXXX batch number containing the refund transition is XXXX and that the transaction reference number is XXXX. The batch and reference numbers were given to me verbally by XXXX, but repeated back to her to ensure that I recorded the numbers correctly. 

So the problem is this : I am now out {$2400.00} and neither ( 1 ) Citibank who states my account does not exist nor ( 2 ) XXXX XXXX XXXX XXXX who states the transaction, in fact, did go through to Citibank, will do anything about this issue. 

Can you please investigate and get either Citibank or XXXX XXXX XXXX XXXX to send me a valid refund check in the amount of {$2400.00}. 

I am trying CFPB before proceeding with other legal remedies available to me.
Consumer complaint received 2019-09-08
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. (MO)

XXXX/XXXX XXXX added remarks as " affected by natural disaster '' on my account though I'm not affected and I'm making on-time payments till date. I disputed this remark with the bank through bureaus but they returned back this remarks as accurate.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

XXXX XXXX had my child support payments deposited into accounts that he was not intited to, according to USAA XXXX XXXX put my name As a profile as we were married in which we have never been married. When I talked to a XXXX from the fraud department she stated there was multiple accounts that had me as a profile as spouse but I did not have access to the bank accounts. According to her statement since we resided together during that time they were going to treat as we were married and he was intitled to my child support payments and other deposits that are unknown to me at this time. When I asked for a copy of the bank statements I was told she is not able to give me those bank statements due to my name is not on the accounts. When I asked XXXX how can someone deposit money into a account that does not have my name on the account that I do not have access to. I was told if I wanted a copy of the statements I would need a court order. She also stated he also had me as a spouse under there auto insurance policies.
Consumer complaint received 2019-09-08
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: SYNCHRONY FINANCIAL (GA)

I received this letter from the Synchrony Bank in XXXX Fl. saying they have to turn down my request for a credit card from XXXX XXXX   XXXX. I haven't just requested a credit card from anybody. I've had this credit card for years. I owe them {$170.00} with a credit line of {$800.00}. I don't understand what this is about. I don't even know if I should make a complaint. I hope somebody can explain explain this letter. Thanks
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (TX)

I have a charge off from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00}. This account was sold, to my knowledge, to Allied Interstate collection agency as far back as XX/XX/2019. I am in the process of paying this debt in full with Allied. At the present time XXXX is still reporting on my credit report that I owe them after sending numerous certified letters.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX there was a hard inquiry from Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX There was a hard inquiry on XX/XX/XXXX from Capital One XXXX, VA XXXX ( XXXX ) XXXX Also on XX/XX/XXXX one from XXXX   XXXX, PA XXXX ( XXXX ) XXXX None of these did I apply for. I have not applied for any credit card in over 20 yrs there's are now affecting my credit score!
Consumer complaint received 2019-09-07
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: EQUIFAX, INC. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/16 I contacted XXXX Bank via the number on my statement and followed the automated system directly to an option to request a payoff. Once there I was placed on a XXXX minute hold. The customer service rep ( XXXX ) revalidated all of my information and then offered to send a payoff via fax or standard mail, no email option available. I provided a fax number and was advised that I may have the payoff in an hour. My new lender requested that the payoff or additional documentation be provided noting that no further charges would be allowed and that the account was frozen/suspended until payoff. This request was met with confusion by my customer service rep who then offered to get me to someone to help. She transferred me after a XXXX minute hold to a licensed mortgage originator who absolutely could not help. The originator said that she could certainly get me where I needed to go placed me on hold and then terminated the call. 

Then to add insult to injury when I emailed XXXX to advise of my experience and avoid any more time on hold, nearly XXXX minutes invested into requesting a payoff, my email bounced back as undeliverable. I firmly believe that once I advised that the purpose of the request being for a refinance that the delays and misdirection started. I could not get a straight answer concerning additional fees related to the payoff, any penalties, closing fees, release fees, etc. All information that my new lender will need to properly process the refinance. What a miserable experience.
Consumer complaint received 2019-09-07
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: Innovis (OH)

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I went on XXXX XXXX and saw a new collection account for about XXXX. I called and they said there was an account opened with XXXX on XX/XX/22 which has gone to collection. Do did not open an account with XXXX of XX/XX/22. This a fraudulent charge. I have attached debt dispute file number with XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

Citibank knowingly and willfully misapplied a payment I made to my credit card account. They applied the payment to a balance with a lower interest rate first before applying the payment to a balance with a higher interest rate. This is in complete violation of The Truth in Lending Act. When I asked that they correct their error, they denied my request. 

Here are the details : Per my XXXX statement, ( Exhibit A ), the account balance was divided between two balance transfer offers. One offer was for 0 % that expired XX/XX/XXXX and then went to the standard rate ( over 19 % ). The other balance was at 1.99 % until paid in full. 

On XX/XX/XXXX, the day AFTER the 0 % balance expired, I made a payment of {$4400.00} as shown on my XXXX statement ( Exhibit B ). Earlier in the billing cycle, I had already made the minimum payment of {$81.00} on XX/XX/XXXX as also shown. 

In XXXX, the Credit Card Accountability Responsibility and Disclosure Act amended the Truth in Lending Act as follows : Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

However, Citibank violated this act by applying my XX/XX/XXXX payment first to the balance with the 1.99 % interest rate ( which essentially zeroed that balance out ) before applying the payment to the balance with the 19 % interest rate. I found this out when I called Citibank on XX/XX/XXXX and they said that my remaining balance {$860.00} was at the 19 % interest rate. I told the customer service representative that Citibank did not apply my payment per the law. The representative agreed and stated he would submit a request to apply my payment correctly. I called Citibank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to see if this had been corrected. On XX/XX/XXXX, the representative said that Citibank had denied my request to have my payment applied per the law. 

Thus, I am filing this complaint as Citibank blatantly violated the law in order to illegally charge me a higher interest rate on my remaining balance.
Consumer complaint received 2021-12-06
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: Convergent Resources, Inc. (NJ)

This company is still reporting this account on my report after I filed an FTC report for identity theft. This is not my account and it was opened as a result of identity theft. They still refused to remove the account after I sent in my FTC report documents.
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (TX)

a process server tried to serve me with a summons and i was not there iam out of state i tried to get her to tell me who this collector was and wouldnt tell me just to call the court house i did said had nothing i know the dept is in with XXXX XXXX XXXX and lawyers r supposed to be working on it but said they dont have the summons cant do anything same with XXXX XXXX XXXX dont know where else to turn tried everything and XXXX XXXX XXXX not helping either they wont give the summons to anyone but XXXX XXXX and hes gone and i have power of attorney i tried to tell them if i have the info i can get this settled!! but i guess wont so i just dont know we are not anywhere to accept it just wish they get ahold of XXXX XXXX XXXX  or the lawyers at XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (TN)

To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-06
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)

Three of my credit reports ( XXXX, Experian and XXXX ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX Bank XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX Bank with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX Bank where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. Thank-you.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (FL)

I have a XXXX  XXXX account that was paid in full due to a court order garnishment. On my credit its showing as a charge off. I have Submitted the court ordered supporting documents and the corrections were not made.
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (CA)

They keep reporting that I owe them but I dont even know who this credit company is at all so why would I pay for something I never got at all so they said my credit will go down and won't be able to ever get anything and that is really hurting my credit to even try to get a car any where
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, I was notified by email from Chase that they believed there was fraud on my credit card. 
I reviewed the charges and confirmed that there were XXXX fraudulent charges. I reached out to Chase and flagged the following 3 charges : VENDOR AMOUNT DATE XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX XXXX {$9900.00} XX/XX/XXXX Up until this day I had never heard of this company, have never contacted this company, they have never done any work at my home, and I have never agreed to pay for work they have done at another home. 

On XX/XX/XXXX, I received a message from Chase that the Transaction of {$9900.00} was found to be a valid charge. The charge was than added back to my credit card. I reached out to Chase to discuss the charge and ask why they believe it to be a valid charge. They informed me that that had a signed invoice from the vendor. I asked that they send me a copy of the invoice so I could review. 

On XX/XX/XXXX, I received the documents from Chase. The documents had my name and address, but the email address was not an email that I have ever had nor is it attached to the account. 

On XX/XX/XXXX, I contacted Chase to inform them that I had received the documents and that the signature was not mine. I emailed them a photo of my drivers license so they could verify that the signature was not mine. They agreed to re-open the fraud claim. 

On XX/XX/XXXX, I received a letter from Chase that they found the charge to be valid again. 

On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX NC XXXX XXXX XXXX. The Case # is XXXX. 

On XX/XX/XXXX, the detective XXXX XXXX XXXX XXXX, XXXX. ( INV, INV ) ( XXXX ) ) contacted Chase and informed them that she is working with the vendor and that the charge in question had been found to be fraud. Per Chase recommendation she also emailed that information to them. 

On XX/XX/XXXX, I submitted the police report to Chase and asked them to re-open the fraud investigation based on that police report and the email from the detective. 

On XX/XX/XXXX, I received a letter from Chase stating that they again found the charges to be valid.