davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I opened a new checking account with Citibank and transferred XXXX to this account from my XXXXXXXX XXXX  checking account through electronic transfer. I opened this account, so I could receive {$200.00} sign in bonus. On XX/XX/XXXX I transferred XXXX USD additional funds to the same Citi bank account electronically from XXXX. After that I tried to access this newly open Citi bank account but was not able to. I went to Citibank local branch and they told me that my newly opened account was closed because I violated Citibank policy and now my account is being reviewed by Citibank fraud department. 
I contacted Citibank multiple times asking to return my XXXX dollars since I need that for living expenses. They kept telling me that the bank policy is to hold the money for 90 days. I called Citibank ( XXXX ) on XX/XX/XXXX and talked to XXXX. XXXX said that she needed to contact XXXX to confirm that the money did indeed come from XXXX. She did confirm that. Today, XX/XX/XXXX, I called Citibank ( XXXX ) again and talked to XXXX. XXXX told me that the check has not been issued yet. 
It has been almost 4 months since Citibank closed my account and I still holding my funds hostage.

Could you please help with this matter. 

Thank you
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

This letter serves as a formal notice of dispute THE DENIAL of my extention of credit due to my XXXX score which is discrimination and against XXXX XXXX  IM EXERCISING MY RIGHT TO rescind the consumer credit transaction I entered on XX/XX/year> for an open ended line of credit involving the acquisition of the platinum credit card Grounds for Rescission : My right to rescind this transaction is based on the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1635 ( a ). This section grants borrowers like myself the right to rescind within the earlier of : Midnight of the third business day following the consummation of the transaction ; or Delivery of the required TILA disclosures and rescission forms.

Failure to Provide Required Disclosures : I have not received all the disclosures mandated by TILA. Notably, I am missing the following : A clear and conspicuous disclosure of my right to rescind the transaction.

A copy of the Truth in Lending Disclosure Statement.

A copy of the rescission form.
Consumer complaint received 2022-11-14
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: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Consumer complaint received 2022-11-14
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: CITIBANK, N.A. (PA)

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXXXXXX XXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Consumer complaint received 2023-03-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-08-15
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. (TX)

I sent two rounds of letters to Experian asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX NA XXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (FL)

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (LA)

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The XXXX  days past due payments that are being reported are for months that I was granted an extension arrangement which according to Westlakes policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term. 

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be XXXX  days past due if I made a payment arrangement with Westlake within my due dates and before my grace period ended. Westlake never reported any past due payment until after my auto loan was paid in full.

I started applying for extensions because of billing errors on Westlakes end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from Westlake for the overpayments.

I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with Westlake and my payment history that was emailed to me from Westlake.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Was sent a letter from MIDLAND CREDIT MANAGEMENT stating that I owed an Alleged amount of {$260.00} with XXXX XXXX XXXX 
This debt is not mine and is fraudulent in nature.
Consumer complaint received 2022-11-14
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. (NC)

On my personal information page of the Experian credit report it I am listed as HAVING " XXXXXXXX XXXX XXXX XXXX' 1 ) THIS IS INACCURATE 2 ) IT WOULD NOT BE LEGAL ANYWAY TO DISCLOSE.

I have tried to upload a screenshot but the website is not allowing me. If you ask me I can email it.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2024 Caine & Weiner Company XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Dispute of Debt and Request for Validation Dear Caine & Weiner XXXX This letter serves to formally dispute any and all debts I am alleged to owe to Caine & Weiner Company XXXX I am writing in accordance with the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors provide written validation of debts within five days of your request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires debt collectors to provide you with the name and address of the original creditor upon request.

12 CFR 1006.34 ( d ) : This regulation prohibits debt collectors from communicating with you in any way except to validate the debt, confirm that the debt is not being disputed, or pursue court action.

15 USC 1681-S 2 ( 7 ) ( a ) : This section of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to revoke my consent to be contacted by a debt collector through phone calls, text messages, or emails.

Therefore, I am requesting the following : Validation of the Debt : Please provide a written validation of the alleged debt, including the original creditor 's name, account number, balance, and a breakdown of any charges or fees. 

Purchase Agreement : If you are not the original creditor, please furnish me with a copy of the purchase agreement between Caine & Weiner and the original creditor.

Proof of Licensing and Bonding : Please provide documentation proving your license and bond status to collect debts in the State of XXXX.

Furthermore, I am exercising my right under the FDCPA to revoke all consent to be contacted by Caine & Weiner through phone calls, text messages, and emails. All future communication regarding this matter must be done through written correspondence sent to the address listed above. 

Please note that I will take any necessary legal action to protect my rights under the Fair Debt Collection Practices Act if these requests are not fulfilled within 30 days of the receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

A home Depot credit card, that I acquired in XXXX, the final XXXX numbers are XXXX. The last time I used it, was back in XXXX, I paid off the balance, and got rid of the card, breaking it, and disposed it, in the garbage can. I have never applied for another card. I have been receiving, phone calls, from XXXX XXXX claiming a debt, of XXXX XXXX approximately. I was able to recover the account online, and I found out, that several transactions were made in different stores, located in New York. I have been living in XXXX, since XXXX. I also noticed, in my personal information, an address, also in New York, it looks like Citibank, sent a new credit card, to this scammer, or organize group of criminals.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (TX)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

Great Lakes is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (NC)

my name is XXXX XXXX I brought a XXXX XXXX XXXX in XXXX i was in the military and we got XXXX during covid I had to switch my bank overseas, when i tried contacting them i got no answer. when i came back home from XXXX they reposes my car so i called them to see if i can get my car back the person told me they sold the car, and i have to take it up with a debit collector. and i paid {$1500.00} to get it off my credit and nothing happened
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

To whom it may concern I have repeatedly told this company to stop contacting me stop calling me stop writing me letters because the debt that theyre trying to collect is incorrect I had health insurance which covered all health bills including ambulances theres no reason for them to keep trying to collect this money from me theres a bunch of charges that I dont even know where they even came from but theyre not mine And its affecting my credit score and it has been for years now
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Your illegal activities are a violation of UCC law, FDIC policy, and the FDCPA.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (WA)

Debt collection notice from : Cedars Business Services , LLC Claims to be representing XXXX, attempting to collect unpaid debt. 

XXXX notified claimant in XXXX of XXXX that a traffic fine had been incurred by the lessee in XXXX of XXXX. The amount was for {$130.00} which XXXX paid. At no point was the lessee provided the opportunity to contest the charges. 

XXXX sent notification to lessee in XXXX of XXXX, more than 3 months after the rental agreement ended for the vehicle. Per XXXX policy, XXXX has 90 days to notify lessee of additional charges from the last day of the contract period. 

Lessee responded to XXXX contesting charges. XXXX never responded or acknowledge receipt of correspondence. 

6 months after initial contact, now 9 months after the rental agreement had ended, XXXX passed the charges onto debt collector Cedars Business Services , LLC. 

Representative of the Lessee contacted Cedars Business Services , LLC XX/XX/XXXX to request more information and request the debt be dismissed on the basis that XXXX had in fact violated the terms of the rental agreement, voiding any money by the lessee. 

Cedars Business Services , LLC did not provide any additional information.
Consumer complaint received 2022-11-14
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)

To whom it might concern, Hope everyone is doing great! up on reviewing my credit report I noticed that few hard inquiries listed on my credit report I do not have no knowledge or any idea who they are or what company and I dont even know who they are. 
I have contacted those company few times but I was never able to speak to real person to understand who they really are. 

Please help. 

Thank you
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX All these inquiries are fraudulent and unauthorized
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

Since XX/XX/24, I contacted XXXX twice by email once by phone as they directed. On XX/XX/24 I sent US {$4100.00} to an account thru XXXX initiated FROM MY CHASE ACCOUNT, where I have sent money to this XXXX account several times. I was since not advised that this XXXX account had been closed- the XXXX XXXX XXXX XXXX XXXX bank account receiving this amount was since closed. 

I have been given the run around by both Chase and XXXX saying to contact the other. CHASE JUST CONFIRMED BY LETTER YESTERDAY THAT THERE IS NOTHING THEY CAN DO. MY {$4100.00} HAS DISAPPEARED. ONE OF THESE INSTITUTIONS HAS THIS MONEY. It is not acceptable for Chase to partner with XXXX, Chase offer this partner product - and then say they have no liability after they have brought this partner in to facilitate this money sending service. They need to be sanctioned. Money especially this large amount can't just disappear into thin air. And providing zero help to the consumer after repeated requests for assistance in recovering this not small dollar amount is unacceptable. 

CFPB - Please have CHASE respond and credit {$4100.00} to my account. Chase needs to resolve this with XXXX. I know they can get the money back. I've already tried to resolve this with both parties with no success. And please make sure institutions are not able to get away with swindling consumers from money & simply ignoring the consumer & claiming no liability. THESE INSTITUTIONS ARE STEALING HARD EARNED MONEY FROM CONSUMERS. THIS IS FRAUD. HAD I KNOWN THIS COULD HAPPEN, I WOULD HAVE NEVER USED THE XXXX SERVICE. AND I WILL LIKELY CLOSE MY CHASE ACCOUNT AFTER THIS AND GO BACK TO CHECKS - NOT THESE FRADULENT XXXXTYPE SERVICES.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-22
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)

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.