davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

This specific account is in fact stated as a charged-off account, you need to tell me the key reason why there is a balance appearing on the credit report whether it is a charge off? The balance is in fact incorrect, take the time to reverse it to XXXX or erase the item certainly. You can also offer documentation to confirm all the charges and credits of this claimed account that brought to the high credit figure you've indicated on my credit report. My request to provide these documents is seen as a proper information petition as documented in my privileges provided within the fair credit billing act.
Consumer complaint received 2021-05-27
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. (SC)

Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect TransUnion and XXXX  to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/2022, XXXX XXXX ( XXXX XXXX ), using the XXXX XXXX  XXXX system, sent an application XXXX No. XXXX to the XXXX XXXX, XXXX, XXXX for execution in the amount of USD XXXX to the address of the recipient XXXX  XXXX  XXXX XXXX XXXX in XXXX. 
The funds are transferred according to the details specified in the application. Due to the introduction of international sanctions against the XXXX XXXX  from XX/XX/2022, transactions in foreign currencies are limited. 
XXXX The payment was returned by the CITIBANK N.A. 
XXXX  XXXX, NY. ( the XXXX XXXX XXXX XXXX XXXX XXXX ) without execution. 
Currently, funds in the amount of USD XXXX are on the account of CITIBANK N.A. 
XXXX  XXXX, NY. 

Please provide the date and reason for blocking funds for the transaction XXXX : XXXX
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

On XX/XX/18, my credit was checked by XXXX without my authorization. As a result, someone opened a XXXX XXXX Account No. XXXX in my name and added 5 phone lines. I received a bill in the amount of {$590.00} for services and phones I did not authorize or purchase. XXXX XXXX told me to file a police report, which I did. Since then, I can not even get the XXXX XXXX Fraud Department on the phone. There is a 2-3 hour hold time and no one ever comes on the line.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/202XXXX XXXX XXXX XXXX, XXXX for the month of XX/XX/2023 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2021-12-02
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. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have asked to stop receiving these calls. I even tried blocking numbers but they keep calling from different numbers several times a day while I am at work. Sometimes I get more than one call within one minute like spam calling. Please help I just want my phone to stop buzzing all day long repeatedly. At this point I am being harassed
Consumer complaint received 2020-11-04
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: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

Hello, On XX/XX/2020, a dispute was settled for a past cable bill I shared with a ex about 15 years ago. The debt collector at this time was called "XX/XX/XXXX. '' It is for " XX/XX/XXXX XX/XX/XXXX'' This was deleted from my credit report on the date listed above. 
Here are the results of my dispute : ITEM IN DISPUTE XX/XX/XXXX XX/XX/XXXXXXXX DISPUTE REASON : Accuracy This account is too old to be on my credit report. 
This account is closed. 
RESULT : Disputed item deleted XX/XX/XXXX investigated your dispute and deleted this item from your credit report. 

Now, it has appeared back on my credit report under " I C SYSTEM '' It is for " XX/XX/XXXX XXXX. '' I am not responsible for this account and it should be deleted from my account. They should NOT be allowed to change debt collecters and start the process all over again. Please look into this and delete from my credit report ASAP. 
Thank You, XXXX XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems of the Fox Valley, Inc. (WI)

To Whom It May Concern : On XX/XX/2021 I received a letter from Credit Systems of the Fox Valley, sent in response to my Debt Validation Request Letter. I received my confidential medical records, which is a clear violation of HIPAA, as I have never given authorization for any release of confidential medical information to Credit Systems of the Fox Valley.

I will be sending them a notice, via certified mail, to remove the debts associated with this HIPAA violation, but it is also my duty, as a responsible citizen, to report such a violation to you.
Consumer complaint received 2021-01-12
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. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2018-12-04
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: Experian Information Solutions Inc. (GA)

Greetings, I have previously contacted Experian, XXXX, and XXXX informing the company that I have been a victim of identity theft/fraud. Experian, XXXX, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Experian, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

A couple days ago I reported fraudulent activity on my debit card. I called citibank and they immediately canceled my old card and sent me a new one, but while activating it, my pin was not working and after several failed attempts, my account became locked. I never changed my pin so it seems that if citibank changed it without me knowing. So me and my mom have been on the phone for XXXX HOURS and the customer service is HORRIBLE, and no one can figure out what to do. Apparently, my account was under review for absolutely no reason. But yet when there was fraud on my card, my account was never locked! This might be the worst company I have ever dealt with!!
Consumer complaint received 2022-04-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

On XX/XX/2020, I tried to open a bank account and the bank teller told me that someone else was using my social security number but didnt provide a name. I tried to buy a car and still couldnt. I want to get this solved as soon as possible. I provided documentation of my identity and the bank teller said to go to the social security office to solve thus out. However, I submitted a report and I havent had a response.
Consumer complaint received 2023-01-09
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 received your response Last XX/XX/2022 that you Close the COMPLAINT # that I sent on XX/XX/2022 to Investigate the Erroneous Accounts : XXXX XXXX XXXX that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/2020 chase bank froze my two account over a wire transfer to my account I was told it a cash transfer no way is it fraudulent then chase was mailing me a check refund of my money XXXX XXXX other account XXXX I have statements showing my money that chase took
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have had a credit card with Macy 's since XXXX. I have always paid my bill in full every month. For some unexplained reason, Macy 's reports I was 30 days late XXXX of XXXX. I have NEVER been late and I am furious with Macy 's. I am asking for this to be corrected and removed from my credit report.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

This collection agency reported to my credit a debt that does now exist because information on my insurance was given to progressive and account was satisfied prior to the listing and collection agency never sent a letter to verify debt or they would have known that also not even one call to my number. I feel this collection agency violated the federal debt collection practice which is there to protect the consumer I feel they should be fined as a base of XXXX violating the law its said how this collection agency feels there above the law.
Consumer complaint received 2018-03-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I made a payment to my cc to pay off revolving balance and minimums for promotional balances in order not to incur any interest charges. The payment went to pay only the promotional balance ( not due ) and left me being charged interest ( {$22.00} ) for my revolving balance that should have been paid. XX/XX/2019 statement. I called to have the payment allocated correctly, but have been told that cant be done. Ive asked how to use the card around the window of when a promotional balance is coming due to make sure payments go to a revolving balance ... .cant get an answer. Ive been told nothing can be done .... stop using the cc doesnt seem to make sense.
Consumer complaint received 2022-04-28
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : 1. XXXX XXXX** Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX  XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} 12. XXXX XXXX Balance Owed : {$0.00} XXXX : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX  XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} XXXX 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX  XXXX Balance Owed : {$0.00} 8. XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (PA)

Chase is not allowing me to access the balance of {$1500.00}. They claim they tried to release the funds. They claim the system is not letting them release them. They are holding the balance despite multiple LONG calls and promising to release it.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I canceled my services with XXXX XXXX  is XXXX of XXXX. I was informed that I will receive a bill for the remainder of the month and to provide them with an address to send the final bill to. Once the bill was sent, I received an email from a worker at XXXX XXXX stating that the bill was returned and to provide another address to send the bill to. I didn't deem it necessary because I was and have always paid the bill online or by telephone. 

To my knowledge, my final bill was paid at the close of XXXX in XXXX. I believed this to be true because no one from XXXX XXXX reached out to me via email or telephone to inform me that my bill had an outstanding amount in the total of {$65.00} that was due. 

Months passed and I receive notification from XXXX XXXX informing me that I had a derogatory mark on my credit report issued from Collection Services of Athens on behalf of XXXX XXXX in XXXX of XXXX. 

Neith XXXX XXXX nor Collection Services of Athens informed me that my account was going to or currently in collections. 

I had a hard time giving proof that my bill was paid because the financial institution that was used to pay XXXX XXXX is out of state and when it came to getting statements delivered mail was mishandled and delivered. 

I decided to take a loss, and reach out to Collection Services of Athens and provide them with a 'Pay for Delete ' letter explaining that I would be willing to pay them the amount, {$65.00}, and in return, they will remove that derogatory remark from my credit report. 

Collection Services of Athens has not reached out to me since the letter was sent on XX/XX/XXXX.