davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I tried to close my Citibank account via chat as I had switched my primary bank account relationship to XXXX XXXX, which is a good bank with good people and processes. In the chat, I indicated the specific account number and made my request clear. The live chat representative asked if I would like a check or a transfer for the remaining balance in my account. I replied saying check. In my reply I asked a confirmation that my credit card account won't be closed ( which I assumed it would not be since the chat previously asked me to confirm which account I was talking about and I selected my checking account ). At some point I exited the chat and didn't see the follow-up message from the rep which asked for a confirmation of my contact information in my account profile ( which was up-to-date ). 

I later realized that I had continued to be charged $ XXXX/month for a low balance. I signed on to chat again, because I didn't want to wait on hold to speak to someone on the phone nor risk getting COVID-19 by visiting a branch. I was told that because I didn't confirm the contact information ( a message I *never saw because I had left the chat by then* ), they had ignored my request. At this point I'm requesting a closure of my account and a full refund of all 8 monthly service fees of {$25.00} ( total of {$200.00} ). If Citi really wanted additional confirmation that I wanted to close my account ( beyond my writing " yes could you send a check, that'd be great '' ), they could have called me, emailed me, texted me, etc. But they didn't, despite my providing an unambiguously clear indication that I wanted to close my account. I think this is a trick and effectively a fraudulent way for them to keep my account open and charge me fees. This is akin to being asked " hey did you want your check in a green or blue envelope '' after the account holder leaves the chat and using that to justify keeping an account open because the customer never answered what color envelope they want their check in, despite the customer 's written request being unequivocal. 

In addition to the compensation I am requesting to make me whole for Citi 's deceptive behavior, I believe that Citi should be required to change its procedures so that this doesn't happen to any other customer in the future.
Consumer complaint received 2022-09-21
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. (PA)

XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

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

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance XXXX
Consumer complaint received 2020-08-09
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. (NY)

I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-02
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. (OH)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. ()

On XX/XX/XXXX, I deposited {$120.00} in my account in XXXX, the promise was that it would arrive on the XX/XX/XXXX on my account. The money did not arrive in my account. The next day, on the XX/XX/XXXX, I contacted the chat with XXXX XXXX who asked me for some information, and said it had been sent, I said I didn't receive it. Then the person ( XXXX ) told me to send the bank statement through the application, I couldn't, ( due to problems in the application, an error message appears ) .I asked if there was another way, so XXXX gave me the email, but After sending, I received an email saying that " the service was temporarily unavailable. '' When I went back to chat to inform this, XXXX didn't answer me anymore, and I couldn't send any more messages for " some reason. '' I tried to send the statement again through the app and I got it .Well I hope with the extract in hands this problem is solved, or I want my money back!
Consumer complaint received 2018-11-11
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXXXXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I tried to buy concert tickets from someone on XXXX. I know you assume risk when you do this, so I tried to be as careful as I could. I asked a lot of questions and asked for ticket confirmation. Ultimately, I was scammed out of {$300.00} dollars using Chase quickpay ( XXXX ). I've tried to remediate the issue with both companies, who have been unwilling to do anything at all. 

Chase was unwilling to conduct any sort of investigation, or contact XXXX or the other users bank account to try to remediate the issue. XXXX has been unwilling to do anything at all. After doing some research ( which I should have done before I made the transaction ) it seems that XXXX has become a safe haven for scammers who know the company and banks won't do anything to fix these issues. 

These crimes are becoming common and they will only continue to become more common. It is disappointing and surprising to me that purely digital companies like XXXX are handling this better than our nations oldest banks. 

I know that I screwed up, but I'd like my bank to at least take this seriously. I was defrauded. Chase told me they couldn't do anything because quickpay was " self-service ''. Every product I use by Chase is self-service. But they wouldn't be able to say that if my debit card were fraudulently used. These companies shouldn't be able to offer products just because they're in high demand if they aren't going to make any attempts to secure them. I ( along with most people ) expect more from my bank and companies they partner with like XXXX.
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter. 
USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX
Consumer complaint received 2020-08-08
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: SYNCHRONY FINANCIAL (IL)

There were 2 inquiries made 1 on XX/XX/2020 ( XXXX ) and XX/XX/2020 ( XXXX ). Someone fraudulently applied for a paypal mastercard but was denied. I received an alert from XXXX XXXX and contacted SYNCB/PPMC immediately. On XX/XX/2020. A fraudulent inquiry report was supposedly sent to XXXX   to have it removed. They told me to allow 60 days for the inquiry to be removed. I waited past XX/XX/2020 and contacted the company again they seen my complaint and said it was sent. I contacted XXXX and they stated they never received the fraud inquiry deletion complaint. XXXX told me to have them re submit and to call XXXX upon submission. I contacted SYNCB/PPMC again to ask to resubmit. The agent told me he resubmitted the request for deletion electronically. I advised him to call XXXX he stated that they can not do that. I asked for a copy of the deletion request to be sent to me so that I can send to XXXX by Mail to ensure that they receive it. He stated he can not do that either. This inquiry is still on my credit report and I have no way of making sure this fraudulent inquiry is removed. I just found out about the 1st inquiry today on XXXX and this one need to be removed also, on my credit it appears as SYNCB.
Consumer complaint received 2020-08-08
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. (CA)

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID OUR MONTHLY PAYMENT ON TIME. OUR PAYMENTS WERE MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. PAYMENTS THAT ARE MADE TO XXXX XXXX  WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX   PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT DATA WHICH IS IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT ALL OF OUR PAYMENTS WERE MADE ONLINE BEFORE THE DUE DATE. SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BOAT AND OUR BELONGINGS IN OUR BOAT WERE STOLEN! SO WHEN I GOT BACK HOME WE CALLED XXXX XXXX  AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE XXXX XXXX A LETTER ASKING THEM TO REMOVE THE 2 LATES ON OUR CREDIT REPORTS THAT WERE WRONGFULLY REPORTING AND THEY DID. WHAT I DIDN'T REALIZE THOUGH WAS THEY FAILED TO REMOVE THE REPOSSESSED/REEMEMED DEROG COMMENTS TOO. 

AGAIN, THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Ive been trying and getting my credit card converted back to no annual fee credit card and Ive been getting too many run around and I was told that I have to wait for a least a year for that and promise I would get my annual fee refunded and second Ive been charged lots of interest on my credit card ending in XXXX while Im in COVID-19 program and Citi doesnt waive these fees and Im close of ending my credit limit and  Ill get charged about XXXX dollars worth of interest from XX/XX/2020 to XX/XX/2020 and Citi isnt helping me and looking out for customers and Im slowly trying to pay off this credit card so I can move on with my life
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. XXXX separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX, cleared by XXXX XX/XX/XXXX). This process was repeated each and documented each and every month, for the exact month the payment was due.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor XXXX XXXX continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.
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. (OR)

In accordance with the fair credit reporting act XXXX Bankruptcy XXXX  XXXX Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending ()

This is in reference to ClearPath lending XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX CFL # XXXX, NMLS # XXXX. They are using deceptive and persistent targeting tactics against VA mortgage loan homeowners. They are continuing to target me in a campaign that looks as if I have an expiring mortgage account, using my information and my actual lenders name in the letter. I have contacted them and asked to be removed, but they insisted they needed more personal information.
Consumer complaint received 2018-11-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GMA Investments, LLC (OK)

My account with XXXX  was sold to XXXX XXXX XXXX ( XXXX ). THEY turned the account over to XXXX XXXX for collection. XXXX XXXX contacted me at work and me telling them that I could not speak to them at that time, proceeded to call right back. After work hours I called them back ( Ms XXXX ) and requested that written documentation of the debt they were attempting to collect be mailed to me. I was told that no they were not going to mail me anything. I owed the debt and they were proceeding to verify my employment to sue me. She then hung up on me. I called right back and asked to speak to a manager. Again I was told there was no manager available and that they were not going to mail me anything but proceed with legal action.
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: EQUIFAX, INC. (OH)

I sent a letter on XX/XX/2022 to remove these accounts which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}