davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, an ACH Electronic Debit of XXXX from our Citibank checking account was sent to XXXX XXXX  for a new account opening. The XXXX was received successfully to fund my new checking account at XXXX. Due to the inactivity of the XXXX Checking Account, the XXXX was returned to Citibank on XX/XX/XXXX. Because of inactivity, XXXX Closed the Checking Account on XXXX XXXX XXXX 

We called the XXXX customer representatives hotline to inquire about XXXX as it was never credited back to our Citibank checking where the transaction was initiated. After passing around for 2 months of calls over the phone, we decided to get help from a local XXXX branch assistance. After many months with the help of the local XXXX Branch Manager chasing down the external/internal ACH Trace # of the transaction returning the XXXX back to Citibank, Citibank was not able to track down the XXXX. 

We got a notice from Citibank around XX/XX/XXXX they were shutting down all our accounts ( no reason given ) on XXXX XXXX XXXX We already sent a complaint email to our Citibank account representatives on Wednesday, XX/XX/XXXX, stating our XXXX was still not credited back to our active checking account at that point. 

Our Citibank Accounts were shut down on XX/XX/XXXX. We continue to work with XXXX 's local branch manager and Citibank 's local branch manager to help in tracking down our missing XXXX. 

Finally, with escalations on XXXX, on XX/XX/XXXX, the money was traced to be residing with XXXX ( Capacity as the Third Party Service Provider of ODFI ACH Operator for XXXX ). A letter was issued by XXXX to have Citibank ACH Department recall this transaction of XXXX and credit it back to Citibank 's Account. 

However, with our Citibank checking closed on XX/XX/XXXX, Citibank stated they can't get the money from XXXX and issue a XXXX check. We can't go to XXXX directly to get our money as we are not a customer of XXXX. Our Checking account at XXXX is also closed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Idaho Housing And Finance Association (TX)

Applied XXXX sent XXXX to l service they set on it for month sent it back and put down forbatrence so they called it and now dayn we didnt do. We have the original paper work was sent to us and a person they sent had different papers. And never received a copy while the ones we received in the mail with tabs to sign in our hand still. Asked XXXX provide us to papers we signed sent email to us and missing papers from what we have also we I called asked about the XXXX XXXX I believe XXXX XXXX ( very disrespectful ) spoke to didnt have as answer for it told me to call me right back this time didnt say he was on a recored line proceeds to XXXX the free money was gone and when was I making a payment ect I ask about the money tells me with a laughter its gone still faint get a answer called Texas they say they work with forbearance all the time. So. This comp at is crooks I asked for my mortgages papers I assigned also. Said give them 24hours. I Have documentation please help!!! XXXX
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TN)

I applied for AAdvantage MasterCard issued by Citi in 2015. At that time, the promotion was : if you apply through XXXX XXXX 's website, you only need to spend {$2000.00} in first three months to receive the XXXX bonus miles. I did applied through XXXX 's website and I did spend over {$2000.00} in the first three months. However, I have n't receive the bonus miles until now. 

I have contacted the customer service and was told to provide proofs of such promotion. I have faxed the promotion details including advertisement and articles from third party consumer review websites. However, I still have n't receive any bonus miles.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several UNAUTHORIZED withdrawals from my account made via Zelle. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local XXXX XXXX and filed a dispute, changed my password, froze my account and set up Zelle pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from XXXX XXXX that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called XXXX again and asked for the documentation used and they didn't have any. They told me to contact Zelle. I tried to contact Zelle and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So Zelle is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with XXXX I still do not have any answers or money. XXXX XXXX from XXXX is elevating it to the Regional Manager but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by XXXX XXXX. They didn't even bother putting it on letterhead this time. Zelle is refusing to speak with me.
Consumer complaint received 2021-09-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

XXXX XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX ssi XXXX I owe XXXX Im paying XXXX each month need some more time. 
Freedom Mortgage Account XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX sent a report of a delinquent account balance XX/XX/23. The Balance was {$32.00}. 

Ive attempted to open my personal bank account and have been unable to due to a soft check being pulled this delinquent balance/status still showing. This has been ongoing for the past 4-5 months. Ive contacted ChexStystems and reached out in order to have this closed out resolved status balance removed from my record in order for me to open my new personal bank account. ChexSystems failed to do so and instead sent me a history of my report saying is shows updated on their end and their hands are tied. A resolved paid balance should not prevent me from opening a bank account in the future/present. Not to mention several other reports on my report that i dont recognize/have never authorized.
Consumer complaint received 2020-05-25
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. (TX)

I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Consumer complaint received 2024-02-15
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. (MA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance : {$8.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

RADIUS GLOBAL SOLUTIONS continously report to all XXXX credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all XXXX credit bureaus and stop harassing me. They are damaging my credit.
Consumer complaint received 2022-01-16
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2024-02-15
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (AZ)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2023-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/1988 XXXX loanDepot XXXX XXXX XXXX XXXX, TX XXXX Account : XXXX Re : Letter to Remove Inaccurate To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 
I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your prompt attention, time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NV)

I received a U.S. bank ReliaCard. The flyer with the card said I was receiving this card because I applied for unemployment. I have not applied for unemployment. I live in Nevada. The card was sent from the Colorado Department of Labor and Employment. Several years back my identity was stolen and it took a long time to straighten it out. I don't want to have to go through that again. The name used on the card is XXXX XXXX.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-09
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. (HI)

In accordance with the Fair Credit Reporting Act XXXX XXXX BANK Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

Best Buy in XXXX XXXX, Ohio pulled my credit without my consent which resulted in an unwanted inquiry reported to the bureaus. During the purchase of a TV, the associate asked if I had a rewards card. She requested my phone number to search for it. She then told me that I needed a new card because the previous reward card had been closed. I told her that doesn't sound correct because I've never heard of a customer reward card being closed. She then stated she would get a new one. Shortly she said it was denied. I was shocked because it was clear that she ran my credit ( which was frozen due to a mortgage refinance ) and was misleading and she knew exactly what she was doing. I complained to the manager of the store who told me it was my fault. This store must commonly do this to seniors/veterans/ and people of color. I then went to pick up my new laptop and was told to wait because the clerk in the back was working on something more important. 

I've since returned the TV, but want that inquiry removed from my credit reports. This seems to be an unlawful act.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-08-12
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: GOLDMAN SACHS BANK USA (FL)

Made a purchase on XX/XX/XXXX from XXXX for 2x agendas and a notebook. I did not open any of the items and proceeded to return one of the agendas and notebook to XXXX. XXXX denied the return since they stated they had been opened ( they were not, they were in the same condition as they were in when I received them ) and XXXX told me to dispute with my credit card. I opened a dispute with Apple Card on XX/XX/XXXX and provided the required documentation the same day. I did not receive an answer on this dispute until XX/XX/XXXX that the dispute had been resolved in XXXX ' favor because I received the merchandise ( not the reason I filed the claim, the claim was because I was not being allowed to return the merchandise per XXXX ' return policy ). I asked for the claim to be reopened, provided more detailed information about the situation and submitted this on XX/XX/XXXX. On XX/XX/XXXX I received a response that the claim had again been denied. It then took another 2 1/2 months for the temporary credit to be removed from the card so I could pay it off and free up that credit. Horrible experience. Poor communication. None of the reps know what they are doing. If it wasn't because it was XXXX branded I would have canceled this card long ago.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now. 

In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.