davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

Hi, I followed New to Citi Checking Cash Bonus Offer ( as in attachment ) on Citis official website to open a new checking account to earn the {$700.00} cash bonus on XX/XX/XXXX. 

However, after I followed all required steps to deposit {$50000.00} into the Citi checking account, Citi blocked my account for weeks, and then sent me an email on XX/XX/XXXX ( as in attachment ) saying my account will be closed because we found that you have violated the terms of your account per the client manual. However, I called Citi many times but they refused to disclose what exactly I did to violate the terms ( because in fact I did not ). They insisted on closing my account without a clear reason, but in the meantime, they refused to allow me to withdraw my money back at the moment, which is ridiculous and irresponsible. 

I transferred the {$50000.00} from my accounts in other banks ( the first {$25000.00} on XX/XX/XXXX and the second {$4000.00} on XX/XX/XXXX came from XXXX, the third {$21000.00} on XX/XX/XXXX came from XXXX ). All statements are in the attachments. The information is all correct and in fact the money has already been transferred into my Citi account.
Consumer complaint received 2023-04-04
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. (AL)

on XX/XX/XXXXXXXX  I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-XXXX XXXX XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date openedXXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account name-XXXX  Account number-XXXX  Account type-Auto Loan Responsibility-Individual Date XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXXXXXX XXXX 

Account name-XXXX Account XXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX Account XXXX Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-04
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. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed some fraudulent accounts on my credit report. I submitted a comlaint with the FTC. I have attached my documentation and the report. Please remove these accounts from my report.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX Department Resurgent Capital Services L.P Dear XXXX, Having reviewed all of the documents provided to me regarding this alleged debt, I am afraid that you are committing fraud. 

You are violating the code of Federal Regulations 12 CFR 1006.30 ( e ) Prohibited Practices. By Furnishing certain deceptive forms.

A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumer 's creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.

This fraudulent bill statement that you have designed and furnished to me does not reflect accurate nor true information on my behalf.

Upon reviewing the monthly statements from the alleged original creditor, this also has shown fraudulent information on my behalf, My name is not XXXX XXXX XXXX XXXX. 
Nor any of the addresses belong or have any attachments to my person. 

Furthermore, as the information that you provided is fraudulent and deceptive, this does not validate this alleged debt. Pursuant to 12 CFR 1006.34 Notice for validation of debts. Please be advised that I am requesting VALIDATION not VERIFICATION. I Am requesting a copy of the original contract, and or documents bearing my signature, payment history and all proper disclosures with the original creditor. 

Furthermore, I am afraid that you have committed an infringement upon my consumers right to privacy pursuant to 15 usc 1692, as I never contracted with you, LVNV Funding LLC, and Resurgent Capital Services L.P . I, XXXX XXXX XXXX never gave you, LVNV Funding LLC , and Resurgent Capital Services any oral permission or written permission to contact me or have any of my private information.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Today XX/XX/30 i deposited a check for about XXXX dollars and in the middle of the deposit the atm machine froze turned black and restarted and kept my card and check and never gave a receipt or reflected a deposit on my account.
Consumer complaint received 2019-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WI)

Hi there, My name is XXXX XXXX and I'm reaching out in regards to the lawsuit against Navient - the student loan provider. As I'm sure you are aware, there's a lawsuit against them for not letting students know about forgiveness options - I would like to know what the status is, how I can be entered in the lawsuit case and what I can do to move this forward.
Consumer complaint received 2023-04-04
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XX/XX/XXXX
Consumer complaint received 2020-12-17
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. (TX)

I have already disputed these accounts and Experian has failed to conduct an investigation within 30 days. I submitted an investigation XXXX and have not received any documentation and the accounts are still reporting on the credit report. I was under the impression that after 30 days and an investigation has been completed the accounts have to be deleted according to 611 ( a ). This is automatic grounds for deletion so these accounts need to be deleted from my reports immediately. I am also a victim of the XXXX Databreach and there is no telling who has been using my information.
Consumer complaint received 2021-02-18
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: CURO Intermediate Holdings (TX)

On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark with the amount of XXXX USD on my credit report XXXX, and XXXX ( Can be seen from XXXX XXXX as well ). Not to mention that Ad Astra Recovery Service could not validate their information with XXXX. Upon, further research, this account was transferred/sold from Speedy Cash to Ad Astra Recovery Services and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, Ad Astra Recovery Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

CFPB shows my original complaint XXXX as closed and resolved. The problem that I am having with Webster Bank Bill has not been resolved and has been ongoing since XX/XX/23. 

Please show complaint XXXX as not resolved in your database.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NJ)

They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly Best Buy for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the best buy card but in the meantime they listed it on my credit report when Im trying to fix it they want 1k + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by XXXX XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or XXXX XXXX XXXX XXXX XXXX  and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  responses to the aforementioned correspondences and this formal complaint letter.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (FL)

pER FCRA SECTION 623 THE DEBT COLLECTOR IS DISOBEYING MY COMMANDS AS THE CONSUMER AND AFFIANT. I TOLD THEM I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND TO PLEASE DICHARGED OFF MY CREDIT REPORT. i SENT OUT A LETTER ON XX/XX/2022 AND HAVEN'T GOTTON A REPONSE BACK.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XX/XX/2020 the card holder mistakingly used her Master Card instead of her XXXX ATM card to withdraw {$300.00} from a XXXX ATM. The XXXX XXXX statement included a {$10.00} cash advance fee and {$12.00} interest charge. The previous balance had been paid in full and the current balance was {$1200.00} ; she paid the entire balance on XXXX XXXX. The XXXX XXXX statement included a {$3.00} Finance charge ; the current balance was {$1700.00}. She paid the entire balance on XXXX XXXX. Every month since then she has been charged {$1.00} in Finance charges for Cash Advances. 
My understanding of the Card Care Act is that the bank must first apply the minimum payment amount for the cash advance and then the remaining payment to other amounts owning as they desire. Since the entire balance was paid in full, the remaining payment reduced all other amounts owing to XXXX. I understand that interest accumulated on the cash advance until the payment was received. The full payment in the subsequent month paid that interest in full. Every month since then, her statements have included a {$1.00} finance charge. The representative at Master Card said that monthly charge will recur for the rest of the life of the card holder unless she pays the balance in full and refrains from using the card for one billing cycle. So essentially Master Card is charging an infinite interest rate on a XXXX balance loan.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

my card has been declined for " suspicious '' purchases and they are not able to prevent, or remedy the problem. I've worked with them multiple times and after excessive hold times on each call, it continues and can't seem to be fixed. 

Each time I call it's a different excuse. 

This started in early XXXX of XXXX and has occurred in XXXX, XXXX, XXXX of XXXX, XXXX of XXXX and XX/XX/XXXX. 

The purchases were for the following : 1. Pizza at local Pizza shop. ( 1 block from house ) 2. XXXX XXXX for prescription medicine and household ( 2 miles from home ) 3. Online game service using a virtual card number that was exclusively provided by capital one for this service.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (KS)

XX/XX/24 XXXX call. Called asking if I was the wife of the person of interest and to speak to my relative. They said their company name but refused to answer if they were a debt collector agency.
Consumer complaint received 2023-04-04
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Bankruptcy Case Number : XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 13 XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.