davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

We banked with Citibank for years, and recently we changed the title from our regular joint checking to a XXXX  XXXX XXXX  about a month and a half ago, then : XX/XX/XXXX ( Fri ) : Used ATM and found the checking was put on-hold, without any notification from Citibank. Called the branch office and was told there were concern from Citibank regarding our XXXX XXXX  information. The representative said the information we provided before should be OK and the account should be unlock the next day. 
XX/XX/XXXX ( Mon ) : The account was still on-hold, no transactions in and out of the account dated after XX/XX/XXXX. Got no answering to the branch office, I e-mailed the branch representative and asked for resolution asap, as our family cash flow was frozen. No response. 
XX/XX/XXXX ( Wed ) : Visited branch office. Branch representative communicated with the branch XXXX and made necessary copies of my XXXX  XXXX again. Another promise that the account will be free in the next couple of days. I again emphasized that frozen the account meant non-payments to our auto-pay bills and missed deposits of our pension and wages. Late fees will incurred. 
XX/XX/XXXX ( Fri ) XXXX. Got an e-mail from branch representative indicating that the account was back to normal and said they will take care the late fee, if any. I was eventually able to log in the account on XX/XX/XXXX, not XX/XX/XXXX. 
XX/XX/XXXX ( Tue. ) I was checking my account on-line and saw an attachment dated XX/XX/XXXX, indicating that based on the result of their review of bank information and records, they have the right to close our account by XX/XX/XXXX.  No explanation of what was wrong. 
This last few days, we found another bank and opened a new checking account and try to re-set all the auto-pay and auto-deposit accounts to the new account, while waiting for this Citibank account to be closed. No apology from the bank for all these trouble and anxiety caused by the Citibank. 
This whole experience was scary, as we did not do anything wrong and we have shown them the whole XXXX XXXX document for them to make the necessary copy. Yet, out of nowhere, the account was frozen for almost 2 weeks. I do not believe this is legal. Just like any business, how can a family 's daily life not be jeopardize by cutting off the cash flow of their checking accounts?. Citibank needs to change the way they handle their client so in the future, other families will not fall into such terrible situation.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to bring to your attention inaccuracies and unauthorized/unverified information present in my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, to request that you investigate and correct these issues promptly. 

Details of Dispute : Inaccurate Information : Misspelling of my name. And Unauthorize Inquiries Misspelling of My Name : XXXX XXXX, XXXX XXXX, Unauthorized/Unverified Items : XXXX XXXX XXXX XXXX XX/XX/, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX  According to the FCRA, you are required to conduct a reasonable investigation into the disputed items.
Consumer complaint received 2024-01-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Dear XXXX XXXX XXXX, XXXX, XXXX, and Experian Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards XXXX and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2023-03-26
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. (IL)

After numerous requests, XXXX XXXX XXXX, XXXX, IL XXXX Should be the only address on my credit profile. Delete all other addresses IMMEDIATELY.
Consumer complaint received 2021-06-08
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. (NY)

On the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, Transunion and XXXX  Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXX XXXX and or Transunion or XXXX. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate information
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (OH)

PENN CREDIT CORP # XXXX****THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH PENN CREDIT CORP OR I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.
Consumer complaint received 2021-06-08
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. (GA)

Account : XXXX XXXX TransUnion # XXXX ; XXXX # XXXX I'm not aware of this debt. Never had the opportunity to dispute ... If the XXXX XXXX feel they provide this information to me, please provide the Certified Mail Receipt. In addition, please provide Validation of Debt as well.
Consumer complaint received 2021-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC (PA)

CNAC representatives say I owe over {$9000.00} to them for a vehicle I have not had for 8 Months now and even with showing physical letters that were sent to me by them with dates, and also submitting Disputes it remains on my Credit and has stopped me from getting another Vehicle from anyone else, I have been without a vehicle for over 8 months and my Credit took a Huge hit from this Debt that I have Proof I owe them {$0.00}.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc. (TX)

I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.
Consumer complaint received 2022-04-30
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax 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 items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} EQUIFAX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} REGIONAL XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00}
Consumer complaint received 2022-04-30
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX 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 items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} TRANSUNION : XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00}
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NM)

XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.
Consumer complaint received 2022-04-29
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. (CA)

XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

XXXX # : XXXX
Consumer complaint received 2021-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

3rd party collections called, harassed, shamed, yelled and ridiculed me for my loan debt. Agreed on settling the debt with upfront payment my mom borrowed from bank and then automatic payments for 5 years monthly of XXXX. Now years later, Sallie Mae is showing no payments or any updates to my account showing that I made all payments in full per agreement years ago. Now my credit is bad due to their lack of records of my payments and I no farther ahead with payments since they don't awknowledge my payment records. Sallie Mae loans in my name should be paid full as per agreement but they're not accepting previous agreement.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MD)

After refinancing my mortgage a payoff was made to the original lender, Arvest Central Mortgage. The payment to Arvest was {$3000.00} over the payoff amount. Arvest 's policy is to deposit those funds into the escrow account and hold them for three weeks ( 14 business days after the payoff and then several more days to mail a check ). These funds were never earmarked as an escrow payment and I informed the lender that they are holding those funds illegally. They claimed that they are within their rights and it is their general policy to hold all excess funds for 14 days after a payoff. As per my mortgage terms I did not agree to their holding non-escrow funds after a payoff.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XXXX XXXX, I sent a wire transfer to XXXX XXXX for the amount of {$150.00}. Until today XXXX XXXX the amount has not received by the beneficiary bank. I called the customer services several times at XXXX and every time they promised me to investigate it and get back to me but every time I get a different information and reason for the delay. On XX/XX/2021, I requested to talk to Direct relationship Manager and was connected to XXXX XXXX at XXXX. After her investigation and the emails we exchanged, I requested to cancel the transaction and refund me the amount. Until today, I have not received the money. I called Ms. XXXX several times and left her a voice messages, and sent her an emails but I have not heard from her until now neither returning my phone calls. Please let me know if you have questions or need additional information from me. Thank you for your prompt attention to this matter
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NJ)

Account # XXXX To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-06-08
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. (TN)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (PA)

I purchased a new Honda through honda financial services XXXX Account # XXXX XXXX and I set up recurring payments on their website for the XXXX  of every month. That was one of the earliest dates that was available. I checked my statement and I have two late fees because my payment was set up for the XXXX by Honda finance. The system did not provide any indication that my recurring payment would cause me to go late on my payments. I have a fico over XXXX and I have paid 2 payments above the minimum. I dont understand why they would allow me to set up recurring payments before my payment is due and not notify me that I would then be considered delinquent. This seems like unfair or deceptive behavior where consumers are harmed by not being properly informed when making payments.