davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

CitiBank stopped granting me access to my account late XX/XX/2020. They closed the account on XX/XX/2020. When I called after the closure, an agent said Citibank would be sending a check out to me. Meanwhile I was never told why my account was closed. Ten business days passed, I still didnt get this check. I called agin, and also complained about not knowing why my account was even closed. I was then told that a letter as to why my account was closed will be sent out to me within 1-3 months. I asked if the check will be included, the representative couldnt say. I was like okay, the check might be included in the reason they will be sending. 3 months passed, I didnt get a letter nor a check. I called again, they said its been sent out to the address they had on file which was surely my right address. I said I didnt get nothing. They said theyll re-issue another one and should get it within 7-10 business days. The days passed again, and I still didnt get nothing. I called and this lady on the phone then said the account was closed because of the information they have on the account is not right that Id have to come to Florida to get it, because I live in Georgia and there is no Citibank branch here. COVID-19 was still on a rapid increase rate at this time. I was like it would be difficult to travel at this time. The person said they would file a claim and then get a check sent out to me. Basically, for the past 7 months Citibank has not given me my money and I kept on getting posted and posted. Now, I would like to take this up legally because Im fed up.
Consumer complaint received 2017-12-18
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. (CA)

I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (CA)

My Upgrade cash rewards card was used back in XX/XX/2021. My card was stolen and my other cards were stolen as well along with a check that was in my purse during XXXX time and I had to change my account numbers I had to change my credit card numbers and I called and XXXX dispute they gave me a provisional credit and then they took it back and told me that I need to file a police report the police XXXX XXXX with the XXXX police department told me that I could not file a police report because it was fraud so they asked me to file a complaint with XXXX. So I submitted a complaint for XXXX purchases XXXX with XXXX and XXXX with XXXX XXXX one purchase was for {$240.00} in another purchase was for {$330.00}. After they put the money back in my account they took it out and told me to file a complaint with ftc.gov XXXX shored me that after I found a dispute with them that they will put the money back in my account which they still have not I pay my car off in the last amount left is just these XXXX purchases plus the interest that they keep charging me on these purchases with XXXX not be on there I need somebody to contact upgrade and ask them to give me my money back Ive change my checking account all my other cards I havent had this issue only this card
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Omega RMS, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I receive my report from Lexis Nexis and again they are still reporting all these inaccurate incorrect information on my consumer report. I received a letter stating that they have remove these XXXX { 2 } bankruptcy from my report, but it still showing on there. XXXX, XXXX and XXXX will not remove them because the are stating Lexis Nexis is reporting it to them as accurate. The court for Bankruptcy sent me XXXX { XXXX } letters stating they never give Lexis Nexis this information they receive it from XXXX  system which is a paid system.I am uploading all the letters i received from this company. 
Also to delete XXXX XXXX XXXX XXXX, that address is incorrect i update my new address so many times. 
I am demanding these incorrect information be remove from my report. these incorrect/ inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, also damaged my livelihood. 
Under USC 1681 Section 602A states i have the right to my privacy. 
So they are in violation of my privacy.They are PROHIBITED BY LAW not to furnish inaccurate information.
Consumer complaint received 2022-04-26
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. (MI)

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is XXXX credit XXXX State of Michigan XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (PA)

I am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX  Reported : XX/XX/XXXX+ {$350.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to XXXX, XXXX and Equifax regarding the charged off XXXX XXXXXXXX & XXXX accounts listed and the XXXX hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The XXXX credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.
Consumer complaint received 2021-11-11
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. (FL)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (WY)

My medical account was allegedly transferred to a collection company. The medical company says they sent me a letter, but I have not received it. The collection company has refused to provide proof that they have been hired to collect the debt and claim no such proof exists. They have stated I owe more than I do, I've shared the cancelled checks with them showing proof of payments, but they have ( so far ) refused to adjust the amount they claim is due. The medical company agrees with my tally of the amount due but the collection company stands their ground at the higher amount. 

There are incidents of unprofessional phone communications, including talking over my questions and stating they could not speak with me further due to needing to return to XXXX XXXX duties..
Consumer complaint received 2022-04-26
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. (NC)

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC Fraud affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Consumer complaint received 2021-07-08
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. (VA)

On XX/XX/XXXX I entered an agreement with XXXX  on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed XXXX  XXXX bankruptcy, my account was in good standing. After the XXXX XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making XXXX payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a PT XXXX XXXX  and a XXXX XXXX  for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time XXXX XXXX took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to XXXX XXXX. I called XXXX XXXX at XXXX and spoke with XXXX, XXXX # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears XXXX XXXX is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, XXXX XXXX filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from XXXX and all accounts are in good standing.
Consumer complaint received 2020-09-04
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)

On XXXX I challenged an account shown on credit for 3-4 months through link provided by XXXX XXXX site. The account was XXXX XXXX ( XXXX XXXX XXXX ) in amount of {$290.00}. My reason for dispute was account not known. I checked my scores with XXXX  on XXXX and was delighted to see this account dropped off my report. XXXX  provided me with a link to see how my credit changed as DIRECT result of removal. I was horrified to see Transunion dropped a huge 22 points from score ; while XXXX  increased score by 15 points. I contacted Transunion again today for explanation and the rep told me you dont have enough credit cards and loans. I have been paying on 2 XXXX XXXX XXXX ( early ) since closing them, and a loan from XXXX XXXX ( early ) for 9 months ; just refinanced because of perfect payment history. XXXX XXXX shows stellar payment history from all closed and open accounts. 

The last XXXX XXXX XXXX  was closed XX/XX/2020 after XXXX XXXX dropped my limit from {$1500.00} to {$600.00} though I had perfect payment history ( Covid-19 related ). Why didnt Transunion drop 22 points then instead of waiting until XX/XX/2020 if that was an issue. 

This is crucial to me, as my landlord for 11 years is selling my home after XX/XX/2020. I am senior citizen and in process of obtaining a mortgage loan from USDA. 
If that doesnt happen because of Transunions error I will be homeless. 

Please help me resolve this matter. Many many thanks.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I opened a Citibank ACCELERATE savings last spring. They offered a {$100.00} bonus for maintaining a XXXX balance for 90 days which I did and verified on t6he phone with Citibank. I am now in XX/XX/2022 and NO bonus. I can not get answers from chat and customer service keeps me on hold for XXXX hours at least with no representative in BANKING. Citibank requires I keep at least {$500.00} in the savings account to not get a fee. 

This has been made way, way, way to hard and appears to me to be a sham to get business with no intent to pay the bonus. AT THE VERY LEAST THEY MAKE IT EXTREMELY DIFFICULT YO GET ANSWERS AND USE LEGAL MUMBO JUMBO IF YOU TALK TO SOMEONE AND THEY ARE IN NO HURRY TO TALK
Consumer complaint received 2020-09-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (UT)

My car was in a auto accident XX/XX/XXXX. The at fault driver insured by XXXX XXXX paid out and sent me title XX/XX/XXXX. My Insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my title clear but Westlake Financial Services continues to request monthly payments. 
My concern is they offset the balance by write off or insurance ( XXXX XXXX XXXX ) paid off to release title to XXXX  insurance but they keep collecting from me, the customer too. 
Ive continued to make payments over a year while reaching out to them about this discrepancy, My attorney has also reached out & neither of us have received reply. 
Please help me resolve this confusion.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have written letters to Experian disputing the information below as being inaccurate. I have submitted online disputes with Experian stating that the information below, and I also talked to the fraud department at Experian to get this information removed. Each time I have gotten a notification saying the information is accurate. These addresses have never belonged to me. 

I am from XXXX, XXXX, moved to XXXX XXXXn 2013 and have only lived in XXXXXXXX XXXX 

The named referenced below is not my name or a name that I have ever used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX money from XXXX XXXX was returned to Venmo because the debit card on my Venmo account was deactivated. Its has been over 37 days and I emailed and called Venmo I cant seem to reach them they claim because of corvid no one is available so they never returned my money
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX :
Consumer complaint received 2022-09-18
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. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.
Consumer complaint received 2020-09-04
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. (PA)

I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

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

The XXXX Credit Bureau is reporting inaccurate information on I C SYSTEM ( XXXX XXXX ) XXXX Balance {$660.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.