davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

CITI Thank you prefer card company made a mistake in my mailing address by forgetting put my unit number in my billing address. So I did not receive my statements. When I found out the pending balance when I checked my credit report and contacted the collection companr and they forwarded those statements. When I contacted CITI, they refused to take off the interest charge and fees. This late payment mistake was caused by CITI and they should not charge me any interest and fees. Now my credit is effected by this. So I have to stuck with the high interest rate for my other credit cards balance with this company. I file this complain to request CITI waives any late interest and fees on the CITI Thank you prefer Card and fix this late payment record in my credit and resume my good credit.
Consumer complaint received 2020-03-06
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. (NV)

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (IL)

Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (ME)

I had a Lowes Credit Card since XX/XX/XXXX and have never missed a payment until I had a serious car accident XX/XX/XXXX. I was in the hospital for two and one half months, XXXX then I went to XXXX. I am now home. During that time I called Lowes to tell them that I was XXXX from the crash. I told them about the crash and explained that once I was home I would take care of the account. I never dreamed I would be away from home for over three and one half months. My purse was evidentaly left at in my car after the crash. I have not seen it since. I live alone. I was in a hospital that was 2 hours from home and friends. I called Lowes on XXXX to notify them about the crash and they said OK. I called again on XX/XX/XXXX to give them an update and assure them that when I was able to get home I would pay what was owed. They said OK. I called on XX/XX/XXXX and was told that the account was closed. I did not have any warning that this was going to happen. I asked the supervisor why I was not notified and she said I had requested not to be called at home. I checkd that and it was on a form I filled out XX/XX/XXXX when I opened the account. I said why did n't Lowes send me a letter? She said they do not do that as it can be construed as a threat!! I have other credit accounts and each one like XXXX XXXX and XXXX, etc., helped me through this difficult time. Please can you get this account opened again for me so I can have a good credit rating? Thank you
Consumer complaint received 2022-11-23
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-18
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ad Astra Recovery Services Inc (NC)

I was under the impression I had satisfied this loan XX/XX/XXXX when I paid {$1000.00}. I moved XX/XX/XXXX ; and never received any further correspondence from original creditor XXXX therefore, I was n't aware that I owed anything further. I discovered the debt on my credit report on XX/XX/XXXX, from XXXX Recovery Services , Inc. indicating I owed {$580.00} more. I called the debt collection agency on XX/XX/XXXX, after checking my credit report. I explained that I had paid all that was due ; and I had moved XX/XX/XXXX ; and had not received any correspondence regarding the further debt. I requested the agency send me out proof of the debt and they agreed to do so in a few days. I have yet to receive the information. I mailed a Certified, Return Receipt Letter to XXXX Recovery Services , Inc., postmarked XX/XX/XXXX, requesting proof of the debt and the debt be immediately removed from my credit reports until I have valid proof the debt is owed since, I never received any previous correspondence via mail or otherwise.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

IRS sent a notice of a tax lien. Upon the same date of making payment, XXXX/XXXX/2010, I learned that a tax lien was filed. Have not been able to get any help from IRS or credit bureaus as to why a lien was filed on the same day it was paid.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed LEXISNEXIS RISK SOLUTIONS, INC has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc (OH)

Blockfi is the company it's located in USA it stores XXXX currency.I had over XXXX $ of XXXX XXXX or XXXX XXXX  total not able to withdraw.Says they have suspended all withdraws and account activity.
Consumer complaint received 2020-03-06
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)

I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt. 
-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal  notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. 

Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. 

Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.
Consumer complaint received 2020-03-06
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)

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.
Consumer complaint received 2022-03-15
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: PNC Bank N.A. (TX)

I have put fraud alert on XX/XX/XXXX after I notice there are several inquiries and one personal loan from PNC Bank was showing under my credit profile. I have called PNC on XX/XX/XXXX and XX/XX/XXXX. PNC bank representative said they will investigate and will inform me regarding this issue. But they have never responded. After this I have sent PNC bank several letters via certified mail ( which I do have proof ) to correct this information that is being reported to all three major CRAs but still they never responded. 

I have also contacted all three CRA 's regarding this issue but still no resolution. I really need your help to resolve this issue and to remove delegatory information from credit profile. I have also reported to FTC ( Report # XXXX ) regarding this matter. 

Regards, XXXX XXXX
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been having an ongoing problem with Transunion for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at le ast five ti mes, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,   XXXX   and  XXXX  just follows Transunion and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by Transunion, this has. Even going on for several years now.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB AUTO for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

I received a settlement offer from Transworld Systems Inc for {$0.00}. I called them to take the offer and was told they wanted me to fax the offer to them for review. I faxed the letter on XXXX/XXXX/2016 at XXXX. I called to confirm they received the fax. I was told they did and to give them 14 days to review the letter. I called back on XXXX/XXXX/2016 to check the status and spoke with XXXX XXXX. I was informed they never received the fax and to resend it. I resent the fax on XXXX/XXXX/2016 at XXXX. I was told that Transworld Systems Inc will not be honoring that offer.
Consumer complaint received 2022-11-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (FL)

I got a personal loan in the amount of {$27000.00} from Discover Bank on XX/XX/2022 to refinance an existing loan with XXXX. Discover Bank disbursed the payoff amount of {$26000.00} in form a check that was mailed to XXXX XXXX via XXXX on XX/XX/2022. I received {$20.00} as direct deposit to my checking account. 

When I called XXXX on XX/XX/2022 to inquire about the payoff, the phone representative told me that it takes up to XXXX business days to receive a mailed payment and to check back with them next week. When I called Discover Bank the same day, they told me that the payment had been mailed but the check had not been cashed yet and advised me to wait the XXXX business days before inquiring again. 

When I called XXXX on XX/XX/2022, I was told that no check had been received, but it would take another XXXX business days from receipt of the check to posting to the account due to the processing system they have in place. So check back with them in XXXX  days. I called Discover Bank the same day to find out what had happened to the check for the payoff of my loan and they told me that the check had in fact been cashed on XX/XX/2022. They told me to get the fax number for XXXX XXXX so that they can send proof of payment. I called back XXXX XXXX, told them the check had been cashed according to Discover, but the rep insisted that nothing had been received yet and gave me the fax number to sent the proof of payment. I called Discover again, gave the the fax number and they sent the proof of payment to XXXX XXXX on XX/XX/2022. I was also told again to wait another XXXX business days to let the process be completed by XXXX XXXX. 

When I called XXXX XXXX and Discover Bank on XX/XX/XXXX, neither XXXX of them was able to give me an update on the missing check/payment. XXXX XXXX insisted that they had received nothing and Discover Bank insisted that the check had been cashed. When I asked Discover Bank to start the retrieval process they told me to wait another XXXX  days. 


When I called on XX/XX/XXXX XXXX XXXX still claimed that they had not received the payment or even proof of payment. Discover Bank finally agreed to start the retrieval process, but told me that they might not be able to get the payment back and that I would be responsible for the now missing {$26000.00} although the money was never sent to me, but XXXX XXXX.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MO)

This is an additional complaint adding to a previous complaint : COMPLAINT ID XXXX " After reviewing my year-end statement I noticed that PNC has charged me over four thousand dollars in overdraft fees .... '' On XXXX - Spoke to a representative in regards to my complaint. At this time PNC bank has not satisfactorily resolved the issue. Went as far as not acknowledging that my first attempt of requesting help ended up in their rep stating " They can not give a refund because one was given previously ''. At this point, it is not a refund but in fact, them returning money they unrightfully took from my account. I think sincerely believe they are making every attempt to dodge this complaint and respond back in such a way that drags on. It leaves consumers no option but to obtain legal counsel.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I opened a savings account at Citibank after receiving an offer. I have made 4 deposits via electronic transfer. Citibank flagged one as fraud from XX/XX/22. Citibank did not contact me via letter, phone or e-mail. I found out that a block had been put on my account, and Citibank refuses any request for the funds or even offering a solution. I have sent correspondence as well as have told over 15 representatives that there has been no fraud. I sent my bank account statement showing the movement to the Citibank account. Citibank has informed me that I may receive a letter and then it might take 30 to 60 days for the account to be closed and for me to receive the proceeds. I shpuld be able to access my funds now. Please help.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

My PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I can't remove my funds I mail and call them but they don't want to help Please help me out I need my money My email is XXXX my name is XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

For the last two months when I pay Synchrony Bank which administers Care Credit, I have paid on the last day the bill is due. On this day when I pay online I am confronted with the fact that Synchrony which is located in Florida does not seem to understand that due to time zone differentials they are insisting that my payments are a day late when in fact it is still the due date where I am located and when I am paying ( from California ). 
They charge me ( {$29.00} ) late fees even though I have NOT been late as far as being within the period shown on the bill, but they are not honoring that and charging late fees as though I were living in their time zone. I have asked them TWICE to waive these fees and gotten no reply. I feel discriminated against for not living in their time zone. Please help me fix this and get back my illegally collected late fees.