davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I opened a Citi Priority checking account with CitiBank due to a promotional offer they had at the time. My mom wrote me a check for {$75000.00} from her XXXX XXXX XXXXXXXX checking account for me to deposit into my CitiBank account for the promotional offer. Deposited the check at the CitiBank financial center in XXXXXXXX XXXX with my mom. CitiBank cashed the check on XX/XX/2022, which is reflected in my mom 's account with XXXX XXXXXXXX XXXX as the funds have been withdrawn. However, CitiBank then deemed the check fraudulent and closed my checking account with them on XX/XX/2022. As a result, I no longer have any access to my account with CitiBank and only have the email notifications that they have sent me and checkbook as a proof. CitiBank also informed me that they would be sending me a letter stating why my account was closed but have never received this letter of explanation. They also have not returned the {$75000.00} to my mom 's account at XXXX XXXXXXXX XXXX. 

I have attempted to resolve this issue with CitiBank multiple times, including visiting the financial center and speaking with the supervisor, but have been told that my account is terminated and that the funds would be returned by mail within XXXX days. Despite this promise, it has been over XXXX months now and the funds were never sent in the mail and there has been no attempt on their end to return the money. I have called CitiBank numerous times throughout the XXXX months to try and find a resolution for how the funds can be returned and have wasted countless hours on the phone with them, only to be transferred to multiple departments with varying answers. 

I also attempted to contact XXXX XXXX XXXXXXXX to file a dispute or claim, but was told repeatedly that the funds have been cashed by CitiBank and are in their holding and that I needed to create a claim with CitiBank in order to have the funds returned. XXXX XXXX XXXX has also sent a letter stating that the CitiBank has the funds. I have called CitiBank again and been transferred countless times again, but all CitiBank representatives are now telling me that XXXX XXXX  XXXX needs to create the claim despite the fact that I have already informed them that XXXX XXXX  XXXX can not do so. 

It is clear that both institutions are simply passing the responsibility back and forth, leaving me with no resolution in sight and wasting countless hours of my time. It has been XXXX months since the account has been closed and there is no indication that the funds have been returned to the checkmaker 's account, and no accountability or willingness to resolve this issue on the part of either bank.
Consumer complaint received 2020-08-05
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. (MI)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-08-02
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)

I am appalled by the ability of the Credit Bureaus to do nothing and ignore the letters I have been sending to them. The letters I sent on XX/XX/XXXX was already my 12th dispute letters sent requesting that they remove the disputed fraudulent items on my Credit report. I was a victim of identity theft, what proofs more do I need to send to the Cerdit Bureaus for them to finally remove the disputed items from my Credit report? For already a year, the Credit Bureaus have not complied with the FCRA section 605b which requires the Credit reporting agencies to remove any accounts and information that the consumer identifies as an items resulting due to identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I would greatly appreciate it if the Credit reporting agencies would remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 CA XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (TX)

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.
Consumer complaint received 2022-06-30
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. (FL)

I am Disputing the following account for incorrectly and inaccurately reporting 5 late payments for this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and due to the FCRA law and My Rights I want the following account deleted from my credit report and credit file I have also included Proof of Payments Account Name : XXXX XXXX XXXX XXXX  account number XXXX account number : XXXX Balance : {$0.00}
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX  is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

XX/XX/XXXX lost job due to XXXX  shutdown of business I worked for. 
Heard about various options for mortgage help Contacted lender ( US Bank ) for information Received correspondence from US Bank in XXXX XXXX regarding forbearance From that point on it has literally been a hamster wheel in action Each customer service rep who answers the phone has a different story, different requirements to proceed, has no idea what the previous representative has done, said, etc, etc. 
Keep getting letters and forms in mail, some with an identical date, but with totally different content. 
Contacted them in XX/XX/XXXX and told them I had returned to work, wanted to resume mortgage payments. Rep said not to make payments. I did, however send in some. Don't know what happened to them. 
XXXX, XXXX rec 'd letter that a foreclosure action has been initiated. 
XX/XX/XXXX rec 'd letter offering to enter into trial period plan under FHA Hamp combo modification. 
I have no idea what all this means, why the story changes weekly, and I need some help desperately. PLEASE HELP!!
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

Three different medical accounts were placed on all three of my major credit reports by Kings credit Services in XXXX, CA. I have sent them a request of verification letter which ask for original creditor, amounts owed, description of why the amounts are owed, and original statements and documentation from original creditor to verify that this debt is valid. A response was received with someone else name on it and amounts being billed. Any information pertaining to why the amounts were being billed blacked out. I have a right to know why I am being told that I owe the amounts in question. I have no way of verifying if this is a legitimate debt. I can't check to see if the correct amount was charged for the procedure, if the procedure was even done, or if a particular doctor was seen. Further I can not not determine if my insurance was billed correctly or at all. I have no way of knowing if this is a true debt. I had contacted the original creditor that is listed on my reports and they verified no record of me seeing the Doctor in their office. XXXX  XXXX XXXX XXXX XXXX  ( original creditor ) billing department said they spoke with XXXX at Kings Credit Services and was told KCS linked me to my spouses account. Although California is a community state I have the right to know all the details of why I am being asked to pay an amount listed on my credit report. In addition I was never giving a statement or bill from the original creditor ( they claimed they sent it to my spouse ) nor had I received one from the collection agency. FDCRA requires notification of debt owed before placing item/s on my credit reports. With out all information and detailed information the debt is unverifiable and must be deleted off of all my credit reports. Vital information needed to verify that is blacked out indicates this is fraud and/or can not be verified by Kings Collections services. It is their obligation to verify all information from original creditor and pass it on to me in it's original unaltered form. I am not obligated nor able to communicate to original creditor, especially not about someone else 's account. KCS had thirty days to verify or delete. They failed to verify and have not deleted.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Had a car loan with Wells Fargo. They did not apply my payments correctly. I had a repo man come to my house at 8am to repossess my car. I was showing him my Wells Fargo account with current payment status. He had to make calls for an hour in my driveway with his tow truck blocking my car. Then said I was right and hed never seen that before. I was charged fees and caused mental anguish and embarrassment because of this and am looking for my payment from the Wells Fargo settlement.
Consumer complaint received 2022-08-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account number ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have 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 2020-08-05
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: Neon Newco Corporation (AK)

This dispute is with reference to a {$200.00} deposit I paid to XXXX at XXXX XXXX on XX/XX/20. I split my deposit into different payment methods. {$100.00} was charged to my debit card ending XXXX. The transaction posted on XX/XX/20. 
The total for services was to be {$500.00} and the remaining balance was due at the time of service. My appointment was originally scheduled for XX/XX/20. It did not occur because the world shut down due to the COVID-19 pandemic. 
I sent a text to the merchant on XX/XX/20, XX/XX/20 asking how things would be handled and received no reply. I then got an automated text message confirming my appointment on which was followed by an automated cancellation notice on XX/XX/20. There was still no actual reply from the merchant. That is when I submitted the dispute with NetSpend. They did not reply within 10 business days, and deemed by disputed resolved with no errors based something they stated merchant provided will after deadline, and stated I never sent verification which I did. The merchant did not reply to me but was able to keep my money. I am out {$100.00} and they seem to be protecting the merchant and not me. My other bank took action immediately on behalf and they are following the same regulations, yet I am being giving push back and excuses.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

I have had a XXXXXXXX XXXX XXXX - Credit card for several years, and all of a sudden, they have stopped notifying me of the balance of their fees most recently, they put a 30-day late payment fee, and although they removed the FEE from my account, they are refusing to remove it from the Credit report. They have been unable to grant me access to the account, yet I can still not log in and or have not received the bills that I view. This is a very troubling matter to me because I am in the process of purchasing a home, and it will hinder me from doing so if this issue is not resolved. Please help me!
Consumer complaint received 2023-01-19
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. (FL)

XXXX XXXX Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

Original Complaint - " The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/XXXX. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX. On XX/XX/XXXX, TRANSWORLD SYSTEMS  AND TRANSWORLD SYSTEMS INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED  with a remedy, of closing the account and contacting the credit bureaus, which TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " Dear XXXX XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau for the above-referenced accounts. TSI has researched this matter and the findings are set forth below TSI requested and has received validation information for the above-referenced accounts. Since this relates to a medical account, TSI will forward the validation information to you via mail under separate cover. You may contact XXXX XXXX at XXXX for inquiries on the above accounts. Please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above accounts on your credit profile in a disputed status. Please be advised that we can not effect a change to how any other company may have listed the above accounts on your credit profile. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs. '' This is my second contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED in an attempt to give TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX   XXXX XXXX ; thus, XXXX XXXX XXXX ' contract would not be with TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED, but with XXXX   XXXX XXXX.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UBS BANK USA (IL)

I have two outstanding issues with UBS. 

1. I have a credit card that normally carries a {$490.00} annual fee. The fee was waived for me because I moved all my assets to UBS, however I was just charged this fee again.

2. I was charged a {$270.00} annual fee for my XXXX XXXX accounts. I was told that this fee is waived if have {$1000.00} in direct deposits in any of my linked accounts, which I do.
Consumer complaint received 2021-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I am on a IDR plan for income based repayment. My IDR documents clearly state that it doesn't expire until XX/XX/XXXX. However Navient started charging my account for payments starting back in XXXX of XXXX. I called to talk to them ( XX/XX/XXXX ) and let them know on the FSA website my IDR states it is not expired. They said well we need you to submit a new one because it was only good for them until XX/XX/XXXX. I couldn't get a real clear answer from them. I figured the date was extended on IDR 's submitted in XXXX due to Covid. So they shouldn't be charging if my IDR is not expired.
Consumer complaint received 2022-08-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX  Account # XXXX and XXXX Account # XXXX have 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 an account without my written instructions