davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PA)

Hello, I opened a new bank account checking and saving with CITIBANK. The process was smooth. I decided to use this new account and have my funds transferred to my new account. The amount transferred into the checking account was {$570.00}. The transaction started XX/XX/2022 and the funds were available XX/XX/2022. When I sent money through XXXX that same week the amount of {$280.00} it allowed the transaction, but then CITIBANK decided to freeze my account and cut off my access to my online banking. I spent hours on the phone with every customer service specialist and even the supervisor who had a very hard name to pronounce. They told me to complete verification steps such as the last four of my social, account number, and etc. I completed the verification steps then was told since my phone number isn't registered under my name and can't be looked up via XXXX I can't verify my identity. After being told this I asked if I go to the main branch with my state ID and information will my funds be given to me. The supervisor told me yes. I drove almost 2 hours from PA to NJ to the main branch where the employee told me that my account was now froze and will be closing. The account was under investigation and that a reference number will be sent to me by mail to gain access again. The letter with the reference number comes in the mail and I call CITIBANK again and was denied access to my account again and was told any funds left in the account will be mailed by check 30-90 business days. It has been 5 months and still haven't received my funds. Every time I call the employees tell me that my account is in the middle of closing and they can no longer serve me. Till this day I still receive emails from about this account and promotions. Recently I received a email on XX/XX/XXXX that I received incorrect account information in a recent survey and that my account is still open .... but yet they aren't allowing me to have access. This has been the worse experience. The supervisor even laughed at me when I said how can't I have access to my account that you locked me out of due to your own suspension.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (ME)

On XXXX XXXX, I went to the website www.annualcreditreport.com and tried to request my free annual report to be provided to me through the XXXX. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only XXXX phone number : XXXX. I called this number about XXXX times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
Consumer complaint received 2021-04-27
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. (CA)

XXXX XXXX  is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a XXXX XXXX card for XXXX nor XXXX  much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my Experian report, however, I have confirmed the existence of these accounts with XXXX and XXXX
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC (CA)

I have been appoved for refinancing my primary residence from FHA loan to Conventional loan. I provided all documents that was required : income verification, bank statements Social security number verification, retirements awards, income tax statements. I am XXXX worked in USA for 20 years, I have 2 homes XXXX/XXXX in America. I got injured at work and was forced to retired. I am in XXXX temporary to do XXXX XXXX course so I can start the XXXX XXXX which is incorporated. My corporate lawyer sent a letter to verify who I was including my accountant. I was told I need more prove to come back and live in USA. I am a singlemom with a XXXX XXXX XXXX going to college and living in my house. I was asked to verify my son 's XXXX and the Regional Center provided the documents meamwhile my son is not on the loan. I felt exploit and discriminated. I even went to XXXX XXXX website that provide exclusion for people with XXXX to stay in their primary residence. All documents to support mt eligibility were sent with no avail. Very good credit score, income verification and source, Consumers rights. In California the source of verifing your address is bill statement, drivers licence and parcel assessment to verify your residency is provided. This is my Primary Residence housing my American Child with XXXX.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE EXPERIAN, XXXX, ANE XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, TRANSUNION, XXXX XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (MI)

Follow up with complaint XXXX Is regarding account # XXXX, which you claim Such as I owe $ XXXX.They put negative marks on my credit reports ( including XXXX, XXXX and XXXX  ) . Without verification of my signature or have enter any agreement with OLIVER ADJUSTMENT COMPANY INC.

OLIVER ADJUSTMENT COMPANY INC Stated : " We have disputed the account per the consumers request and will follow up with our client and send out Validation of the debt. ". Which means OLIVER ADJUSTMENT COMPANY INC, does not have my signature or any contract or arrangement. Which is a violation of my rights under. The Fair Debt Collection Practices Act. I do not know who you are. I have never been to your office or even where you are located. This is damaging to me and my family. I having a hard time at my job focusing.because of the XXXX dealing with this problem that is not mine. I'm having XXXX XXXX. Which I'm going to the doctors today.It is stopping me from refinance my house. So, I can make an addition on house for my sons needs.My son is XXXX and need special commendation.
Consumer complaint received 2019-02-20
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. (MD)

*The XXXX XXXX XXXX Account of XX/XX/XXXX was paid in full ... by XX/XX/XXXX and charged off ... and do not owe the company anymore ... 
*The XXXX XXXX XXXX of {$390.00} was charged off and do not owe the company anymore ... 
*The XXXX XXXX Credit Card was Charged of in XX/XX/XXXX- {$840.00} and do not owe the company anymore ... 
*The XXXX XXXX XXXX Credit Card is current and in good standing *The XXXX XXXX Account of {$8200.00} was charged off and I do not owe the company anymore ... 
The Company of XXXX XXXX of {$550.00} was never owed anything on any agreement and I contest owing this recovery company anything ...
Consumer complaint received 2023-01-09
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-09-16
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. (GA)

I have disputed an erroneous Chapter XXXX bankruptcy with TransUnion several times this year. The bankruptcy is dismissed and is not associated with any accounts on my credit report. TransUnion has failed to provide proof that the public record belongs to me. I have requested a valid and reasonable method of verification and it has not been provided. My request for the information has been ignored which is a violation of the FCRA. 

The item has already been deleted by XXXX and XXXX after an investigation.
Consumer complaint received 2022-08-11
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)

Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. XXXX XXXX  has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX, a payment of {$330.00} was made to XXXX of NJ. The same day, I contacted XXXX by email and they reversed the payment on XX/XX/XXXX. During the next couple weeks, I contacted XXXX and chime about where the refund was. Due to the inconsistent answers from XXXX, I decided it was time to dispute the charge through chime on XX/XX/XXXX. On XX/XX/XXXX, I decided to contact chime and XXXX again because I felt its unacceptable to wait this long for the refund. During my call with XXXX, the customer service rep stated they reversed the payment on XX/XX/XXXX and chime accepted the refund, so theres nothing they can do and to contact my bank. I told chime what they said at XXXX hoping it would speed the process. On XX/XX/XXXX, I contacted chime telling them that its been long enough and they need to resolve this or I would file a complaint. If theres anything else you need, please let me know.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

PayPal charged me {$140.00} in fee for rejecting the money sent to me. Since PayPal does not have a " reject '' method, I had to use " refund in full '' to reject the money. Why did I need pay a fee for " rejecting '' the money? PayPal should provide a method to let the recipient reject the money before any fee is charged. Currently, there is no way the recipient can avoid the fee even if the recipient does not want the money. 

Date : XXXX, 2019, Amount : {$4900.00}. 
I called the company customer times but they did not grant my request to refund the fee ( {$140.00} ).
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was issued an American Express XXXX XXXX in the amount of {$20.00} on XX/XX/2023. The card states that it can be used at " U.S. merchants that accept American Express Cards, '' however, it's been impossible to use online at all - I've tried XXXX, XXXX, XXXX, and several other services.
Consumer complaint received 2019-02-20
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: Westlake Services, LLC (CA)

To whom may concern : West lake financial services has done unfair debt collection practices with my information. I have tried to settle issues directly with them, and we have never got ten anywhere. Please help me. 


XXXX XXXX Account numbers XXXX My address XXXX XXXX XXXX XXXX, ca
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc. (CO)

My identity was stolen in XXXX while living in XXXX. I took all necessary steps and filed a police report and have closely monitored my credit, checking account, etc. since then. I now live in XXXX and discovered SCA Collections placed a collection acct. on my XXXX  credit report in XX/XX/XXXX. ( The collection does not show up on XXXX or XXXX   ). I filed the first dispute with XXXX upon discovery and SCA Collections stated the acct. is mine. I never received any phone calls or mail from SCA Collections regarding this supposed debt. I contacted the original debtor ( XXXX ) and they could not find anything with my name or DOB in their system. I filed a second dispute and SCA Collections stated again the acct. is mine. I just filed a third dispute today, XX/XX/XXXX. As of today, I have also filed a report with the Federal Trade Commission, XXXX XXXX XXXX, Consumer Financial Protection Bureau and the Colorado Attorney General 's office. I mailed and emailed documentation to SCA Collections on XX/XX/XXXX, as they are not responding to my voicemails, emails and on-line inquiries. I also discovered an address on my XXXX credit report that is not mine as well and that was also mentioned in the FTC report. My next step is to file a report with the local police department of XXXX, XXXX.
Consumer complaint received 2021-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

I have disputed the below listed items as identity theft over 180 days ago as these items do not relate to any transactions Ive completed. It is my understanding that per the FCRA these items are to be blocked & deleted from my credit file within 4 days. They still remain on my report. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2020-10-13
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. (FL)

I don't believe that mine account. I do not have access to the documents related to this account. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit.
Consumer complaint received 2021-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have disputed the below listed items as identity theft over 180 days ago as these items do not relate to any transactions Ive completed. It is my understanding that per the FCRA these items are to be blocked & deleted from my credit file within 4 days. They still remain on my report. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks