davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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. (DE)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm 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 my 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 the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with them.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne charged me {$35.00} Late fee for making a payment that was {$2.00} short. 
They are being very insensitive and for almost a year they have refuse to issue or allow me to select a PIN to use at the ATM Branch to make Payments to my account after Banking hours at XXXX! All credit card companies issue or allow their customers to choose a PIN to have access to ATM 's in order to process payments. This selective method of payment is a Violation!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me the source of these inaccurate accounts.
Consumer complaint received 2022-08-08
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. (GA)

ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX  OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. 
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have requested proof that this debt is mine multiple times. This debt of XXXX is on my credit file and no one has been able to tell me what it 's for with the exception that it 's for a bank. I have no idea who the bank is. This has not been validated despite my requests.i demand this be removed from my credit file as this is not a valid debt.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

On XX/XX/2016, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (ND)

I sent some money to my Father on the XXXX of XXXX using Remitly, i provided all the necessary information needed to send the money. On the XXXX, I was told by Remitly that the money has been delivered. I called my father to confirm only to discover that he hasnt received the money. Its been almost a week and I have been trying to get in touch with Remitly but they keep stalling me telling me that they would resolve the issue and call me back but I havent received any call from them. I provided all the necessary information like my fathers bank statement showing he hasnt received the money. I worked so hard in the US to send money to support my father and I feel I have been scammed and cheated of my hard-earned money! Help I would like the department to help me in retrieving my money back. Its a lot of money! Over {$2000.00}. Thank you!
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

XXXX XXXX claimed they would be able to help with my student loans, they claim that they could take over my student loan payments, saying that they could lower my payments, and make them as low as {$45.00} per month. This all took place in XX/XX/XXXX. They then told me until my file was reviewed I would have to make a monthly payment of {$130.00} that was going towards my student loans. Every month on the XXXX, this was taken out of my account by automatic withdraw. I continued to make these payments until XX/XX/XXXX, when I came to find out that my file was still not reviewed and was not going to be reviewed anytime soon. Upon calling and making a request as to why it was not taken care of, I was given the run around and no answer was given. They also withdrew the funds earlier than what was agreed upon. I even tried to cancel the service, but I was unable to because of the run around I would get and all the processes I would have to go through to get it taken care of. This would lead to promises that my file was under review but as the next month came around it was still in the same spot as last month, and my student load debt was not going down any. I was finally able to end services in XX/XX/XXXX, but I received a letter shortly after that, from Navient Student Loan Services, saying that they hadn't received a payment from me. When I called them and explained the situation they said they had no record of XXXX XXXX contacting them to set up any kind of arrangements.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (FL)

Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.
Consumer complaint received 2022-07-19
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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 a account without my written instructions
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Exxon/Mobil is reporting a XXXX day late payment to the credit agencies from XXXX 2012. I have been a loyal customer of almost XXXX years and have been very adamant about not making any payments that were ever over XXXX days late. I have ALWAYS sent the payments out prior to the XXXX day period and 99 % of the time they arrive early.
Consumer complaint received 2017-01-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I was contacted by XXXX and told that they had a gas scooter I had been looking for in stock. I sent the money by money gram and was given a bogus tracking number. They later contacted me again wanting additional money. Scooter not sent -- -- {$1400.00} lost.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. My personal information was used without my knowledge or consent to obtain credit and personal loans, including an installment loan opened with XXXX XXXX XXXX . I learned that an account was opened in my name without my knowledge or consent in XX/XX/year> when I received a credit alert that a charged off account was reported on my Transunion credit report. I filed a police report with the XXXX and a FTC Identity Theft report. I also contacted XXXX XXXX to dispute the account as fraudulent, but was unsuccessful. I have also attempted to submit a dispute with Transunion. I requested that this information be removed and blocked from my credit report because it was a fraudulent account. I also provided a copy of the identity theft report. However, the charged off fraudulent account has not been removed.
Consumer complaint received 2021-11-29
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: DISCOVER BANK (IL)

I provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite XXXX written requests, the unverified item listed below still remain on my credit report in violation of XXXXderal Law. Under the FCRA Discover provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (FL)

I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent Equifax data breach and I suspect this contributed to inaccurate items on my report.
Consumer complaint received 2022-07-19
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # 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 a account without my written instructions
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

GENESIS CREDIT MANAGEMENT Are TRYING TO COLLECT {$3100.00} FROM AN ACCOUNT THAT WAS OPEN FROM IDENTITY THEFT. I REACHED OUT TO THE COMPANY EXPLAINING THAT WAS OPEN DUE IDENTITY THEFT.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NC)

My wife and I were living in XXXXXXXX XXXX and banking with a local credit union. We started building a home in the XXXXXXXX XXXX area earlier this year. We decided to sell our home and make the transition to XXXX which would include the decision to change our local bank. 

Upon evaluating our options, and seeing the offers that existed, we contacted a major bank CITIBANK and opened an account via phone call. This process was a disaster! It took several days to get this completed, they did a wire request in the amount of {$600000.00} instead of the {$60000.00}. It took several days to remedy this error even after requesting the recorded authorization and verifying that their agent " fat-fingered '' the amount requested. 

Upon selling our home, making the initial transfers, and then moving all of our banking to CITIBANK, this morning they closed our accounts. They refuse to talk to us. They have kept our money and verbally promised to return it to us. They have stated we have a notification mailed to us. ( and yet we have all our mail digitally presented by the USPS and there are no letters from Citibank ). The fraud dept. there has hung up on me twice. I can not get any help in resolving this matter or getting my money back from Citibank.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016, I went to my local Best Buy store to make a payment on my Best Buy Visa Gold account. I was advised at that time that my card had been closed out and they could not take a payment from me. I then contacted Best Buy by phone and paid off my account in the amount of {$300.00}, leaving a zero balance. 
On XXXX XXXX, 2016, I received an email from XXXX XXXX stating that my account was 30 ( thirty ) days past due. I then contacted Best Buy to attempt to straighten out my account and make sure this did not reflect badly on my credit. 
On Monday, XXXX XXXX, 2016, in response to my phone call, I received a letter from Best Buy Credit Service stating that they are unable to change the information reported to the credit agencies about my account.
Consumer complaint received 2020-09-10
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. (WA)

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Bankruptcy — 
Company: STERLING JEWELERS, INC. (GA)

The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XX/XX/2009. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA XXXX.
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Went to a bank of America in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I called Equifax today XXXX/XXXX/15 and got XXXX XXXX from the office of consumer affairs. I called to explain how I was n't able to view my credit report. As I was trying to explain my issues I was rudely cut off and talked to in a very condescending manner from XXXX XXXX. I asked her why I ca n't view my report. I was given zero explantation and continued to be talked to rudely. At this point I asked for a manager and was denied the right to speak to a manager and hung up on.