davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

I have a credit card and a checking account at Citibank. I made a check deposit to Citi private bank. via their mobile banking application. I had previously tried to make the deposit to a separate credit union, but the check was above the allowed amount. I had to scratch out " For Mobile Deposit Only at XXXX '' and write " For Deposit at Citibank. '' I called after making the deposit and was told that they would notate the account and let me know if there were any problems. I was then notified that the deposit had been accepted and there was a partial release of my funds. Two days later I logged into the app and noticed that my checking ing account did not show up. When I inquired I was told there was a fraud alert on my account and that I could not currently use my checking account. I had never been notified of an issue and was told that the department that handles the account would not be open until Monday. I was told that my funds would be inaccessible and they could not do anything to help. I had a large payment that I was attempting to make today and am now unable and will incur a {$150.00} fee for the delay. Keeping a customer from their deposited funds without recourse nor notification is not only terrible customer service - it is illegal.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (NV)

I am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX XXXX profile. 

XXXX  : Factual Data Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Datafacts Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX Equifax : Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information.

I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.
Consumer complaint received 2022-03-11
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)

I contacted XXXX Disputes on XXXX XXXX. 
I contacted XXXX XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Alorica Inc. (NV)

SST Systems phone XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX Amounts {$9300.00} added to account for forced insurance without contact or knowledge they said they had the wrong address but there records were correct. 
they were sent the insurance and failed to credit the account when asking for payoff they added it to the account and i was never aware of it except for going back and asking for a statement which they have failed to produce. 
they illegally back dated insurance policy and wont produce the policy. 

total scam they add money to the payoff and nobody knows when you ask for a payoff it is all included and never disclosed.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (NY)

I am currently in an income-based repayment plan for my federal student loans. These loans are being serviced under FedLoan Servicin g ( myfedloan.org ) in accordance with the Public Service Loan Forgiveness program.      I have asked  FedLoan to confirm the number of qualifying payments toward the PSLF program multiple times through their online portal mailbox ( 3 times in the past 3 months ),  but they have not responded to me.
Consumer complaint received 2023-01-27
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL  THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. XXXX.
Consumer complaint received 2017-09-13
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. (NC)

For the past 18 months I have been disputing with TransUnion, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX UNITED STATES DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX was added before called XXXX XXXX XXXX for XXXX XXXX *credit report in XXXX did not show US Department of Education , they continue to remove and than add back to my credit file. 

I also told them to remove inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below. 

XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX I also told TransUnion to remove the addresses not affiliated with me , those address is as followed : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and add the correct address . 

My last certified letter that I sent TransUnion was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

In  XXXX    XXXX  , the medical lab,  XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from  XXXX  which I forwarded to my doctor 's office. They called  XXXX  who assured them the matter was taken care of but I continued to receive bills from  XXXX , and now from debt collection companies.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have attempted to freeze my account countless times with Equifax due to the breech of my informaiton. 
Everytime I enter the information for processing I receive a message that they can not process and to try again later. 
It is XXXX and I am still trying and still receive the same message. 
I see from research this is the same results other consumers are having when attempting to put a freeze on their account. 
Equifax needs to be shut down!
Consumer complaint received 2018-12-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation (OR)

I requested of Global Credit & Collection Inc, all documentation concerning the debt, including ; A complete itemization of all principal, interest, and administrative charges. 
All documentation that defines and authorizes said charges. 
A complete and unedited copy of the promissory note and any other agreements or contracts. 

They failed to provide the information requested. What they sent reflected an amount due that contradicted previous amounts. 

On XX/XX/18, I requested the termination of calls to a particular phone number, and provided them a secondary number to call. GCC ignored my request when calling the first number on XX/XX/18, XX/XX/18, and XX/XX/18. 

In a phone message on XX/XX/18, and in two communications sent via the USPS, GCC failed to adhere to the FDCPA Mini-Miranda Disclosure, 15 USC 1692e 811 ( 11 ). 

As it can be speculated that Global Credit & Collection Corp. conducts collection activities similarly corporate wide, and that XXXX ( the original creditor ) has full knowledge of these business practices, I believe XXXX is culpable and should be held liable.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, during the process of attempting to purchase a vehicle, the dealership conducted a routine credit check. To my surprise, they informed me of negative entries on my credit history. Given that I had no prior reason to suspect issues with my credit, this revelation prompted me to investigate further. 

Utilizing the XXXX XXXX application, I meticulously reviewed my credit history. It was during this review that I discovered several accounts had been opened under my name, using my address and Social Security number. Alarmingly, these accounts had already been closed but were showing outstanding balances. 

This unexpected discovery in XX/XX/XXXX marked my first awareness of potential identity theft and unauthorized financial activities conducted in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX : Open Date : XX/XX/XXXX - Amount {$5900.00} ( XXXX  ) Capital One : Open Date : XX/XX/XXXX - Amount {$3400.00} ( 3 ) Capital One : Open Date : XX/XX/XXXX - Amount {$3000.00}
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (CA)

This debt from the original creditor   XXXX   XXXX   XXXX   was deleted from my credit report  XXXX  last year. Now this new collection agency  XXXX   XXXX   XXXX  has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I received a bill from XXXX XXXX for my XXXX XXXX  credit card. The amount was XXXX. At the end of XX/XX/XXXX I mailed in a check for the amount of XXXX along with the payment stub. On XX/XX/XXXX it was sent through my account and XXXX was deducted. Then on XX/XX/XXXX the paper check came through my account and another XXXX was deducted. I called my financial institution on the XX/XX/XXXX. They credited my account, but on the XX/XX/XXXX they debited my account because they said XXXX had to fix it. So I have spoken with XXXX on several occasions but they still have not given me my money. Now I am so stressed about this it is causing me to shake. Please help me.
Consumer complaint received 2023-01-27
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-23
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. (NC)

On XXXX I filed a proper dispute of two unknown medical accounts being reported to Equifax by XXXX XXXX XXXX ( acct # XXXX and acct # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from XXXX. On XXXX I re-disputed to Equifax with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Equifax has refused to properly investigate or remove this fraudulent account.
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My payment account for paying a bill was changed without my approval. This has happened twice. Yesterday I got the bank to deactivate the my second account from the bill pay service ( I never activated it and do not have the ability to activate or deactivate the account myself ). But this was just a work around to try to prevent the issue from happening again. Their system is still broken and they are suggesting I am making the change using their website. 

Today I noticed a bill was paid twice from their system. From the bill pay system, it only showed 1 time in the history even through it had already cleared the bank. They completed the transaction electronically and not using checks. So it was not because the receiver processed the check twice. The representative acknowledged they are aware of their system sending transactions on the incorrect day, but did not acknowledge the lack of recording transactions. 

Both these situations mean this bank is changing banking transactions as well as not recording them correctly.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (OR)

debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to XXXX  and XXXX  XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored XXXX of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I received a letter from Equifax stating they had placed a fraud alert on my credit reports by my request. I was baffled because I did not send anything to Equifax that required putting a fraud alert on my file. Earlier in the month, I sent in a credit dispute but didn't ask for a fraud alert. It appeared someone misinterpreted my credit dispute letter and took it upon themselves to place a fraud alert, which has caused so much confusion and stress on me with creditors calling, sending massive mail correspondence asking for a police report. Equifax fraud department even sent the other bureaus this alert and now it's a bigger mess with them locking down my files. 

I've sent Equifax a letter asking them to remove this along with a letter from XXXX XXXX that states that they did not see any signs of fraud on my account. 

I'm hoping they can resolve this issue quickly!
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (NJ)

Hello Sir/Madam, Company involved : XXXX XXXX XXXX XXXX, XXXX XXXX, myself Issue : XXXX XXXX XXXX XXXX provide cosmetic service to their clients related to growing hair by selling service and products. I end up walking into their XXXX location where sales person describe me their service and asked me to sign formal agreement if i choose to continue with the service. I did sign document but realized with current medical situation I ca n't take chances with any chemical products provided by them. so i changed my mind and did n't visit their center at all. 

As per agreement they charging upfront approximate {$2000.00} amount to bank and Bank called me with payment of XXXX, with my dispute to them they gave partial refund and as per current statement I still owe XXXX amount ( interest included subject to increase with delay ). When Bank called me for XXXX amount, i asked bank i never got physical card under this agreement and you taking this service as credit service, can I see itemized amount of XXXX where it been used? Bank gave me lame excuse - " We cant provide details of the transaction " even i can login to the credit card statement. 

XXXX XXXX not giving refund of the credit line they opened with bank under my social security, and being as consumer i do n't have rights to know what 's going on with the credit line between Bank and XXXX XXXX. 

Please help me to resolve the issue, i did n't use penny service from the service provider due to medical reason, they did n't give full refund and bank asking me for payment with my question to them about transaction detail they could n't answer me back. 

I feel harassed, continued call from " XXXX '' with the lame excuse from them " they ca n't provide details on credit line transaction due some reason they did n't give me reason either. " Thank You XXXX XXXX
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Arbitration — 
Company: GreenSky, LLC (CA)

Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. 
the account. I received a letter today that they without permission opened the account and charge me XXXX. 
Please contact me regarding resolving this issue, XXXX XXXX XXXX