davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

Please see the attached letter that I have sent to Macy 's Dept Stores, after I received what I consider to be an inappropriate dunning letter. 
XXXX XXXX, XXXXMacy'sXXXX XXXX XXXX XXXX, MO. XXXXRE : Form of Massachusetts Debt Validation NoticeAttached is a letter I received from your offices. I tried calling the number ( XXXX ) several times to speak to someone live, but that was never an option. I am contacting you because your letter is very inappropriate and upsetting to me. For an amount of {$27.00} you are sending me a threatening dunning letter, that says in part, " If you or your attorney notify us ... '' and then requests XXXX types of information, such as " A copy of any judgement against you regarding this account ''. As you will know by now, a payment was made that resolved this issue. This account is paid automatically from my XXXX XXXX XXXX account for the full amount due every month. In this case the amount was above my self-imposed limit, which is a safe guard against excessive or fraudulent charging. I have attached my statement from XXXX XXXX XXXX showing payments to Macy 's from XX/XX/XXXX. 

I request a letter from you confirming that this issue has been resolved, and it did not in any way effect my credit rating. 
Send to : XXXX XXXX XXXX XXXX, MA. XXXXCc : Consumer Assistance OfficeMassachusetts Division of BanksXXXX XXXX, MA XXXX
Consumer complaint received 2022-08-06
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. (MI)

I appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 XXXX, EQUIFAX and XXXX are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; DEPTEDXXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (HI)

Citi Bank Credit Card agents are telling me two opposing stories. An agent named XXXX told me yesterday that my XXXX sign-up bonus ThankYou points would post to my account on my XX/XX/XXXX statement. The points did NOT post so I spoke to another agent named XXXX today. He claimed the 80k points offer was not even attached to my account. That is absolutely ridiculous. I have screenshots as proof of the offer I signed up with along with their terms and conditions. I met all requirements ( XXXX XXXX spend within the first 90 days ) and I did not violate any terms and conditions for this offer. Citi is being deceptive, misleading and unethical. They need to honor their own promotion.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

I disputed a charged and was given a provisional credit for a unauthorized transaction of {$370.00} back in XXXX of this year. I had filled a police report for my belongings being taken. I never heard from Citi Bank. Here it is, I sent {$180.00} to my back to pay my bills and Im the middle of the night I realized I was negative {$170.00}. Come to find out Citi Bank Reversed the credit due to No Response to a letter they sent via USPS. I never received the letter, so I called the claims dept to get more information and to get the provisional credit back on my account. 

I informed the gentleman I never received the letter and asked him why is it I did not receive a phone call nor am email if they have not heard from me. The gentleman stated they dont have a way to call nor email ( which I find that to be bizarre ) its XXXX there should be other avenues to reach a client if you arent able to reach them by mail. 

When informing the client they have taken my electric bill money from my account he stated there was NOTHING he can do. I informed him that this is not my fault that I did not receive a letter in the mail, its not my fault your company dont have a way to call nor email and I would like for this case / credit reversal to be reversed. He stated nothing he can do, even though my money is secured with the FDIC. 

I asked to speak to his manager he said no manager is available until 24/48 hours. This really upset me because Im facing a disconnect in Electric which will cause me to lose my job because I work from home and you are telling me no supervisor is available. I am angry and need someone to assist me with this issue this bank have really inconvenienced me ( Given the fact I been on the phone since XXXX with no resolution. 

Not only have this inconvenienced me but I have to work in the morning at XXXX with hardly no sleep and no piece of mind knowing that my money was taken because the decision this bank made due to not being able to hear from me by only reaching out to me by a letter ONLY! This is ludicrous and once this is over I will be closing this account. 

Lastly, this guy had the audacity to say well the merchant provided chat messages between them and you I said I said sir I dont care what they sent you, Im telling you someone is portraying to be me and that has nothing to do with the reason you stated they reversed the credit and closed the case including no one being available in management to assist me in this urgent moment. 

I need this to be investigated please and I need help with getting this issue resolved and overturned please.
Consumer complaint received 2022-09-20
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX : {$5100.0XXXX XXXX XXXX : $ XXXX XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (NC)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2020-02-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (TX)

Opened on line cd account on XX/XX/2020 around XXXX with Marcus bank of Goldman Sachs on line and called back at XXXX XXXX and XXXX XXXX to make a stop on transferring funds of $ large amount from my bank. 

I called the number provided by the website and that turned out to be a call center. 
I asked if I should make a stop order with my bank but the call center personal told me that they can do this fro their end and that I need not have to take any action by me talking to my bank. She asked me to check in couple of days.At this time funds were still pending in my account on XXXX of XXXX. So I was thinking they got my request and stopped opening my cd account. To my surprise the funds went to Marcus bank upon checking my account on line. Again I called on XXXX at XXXX pm, to same number provided by Marcus and of course found different personal to answer my phone and told me it might get two to three days to get approval to return my funds without penalty.. 
They would not call me or send email on their action and I need to call them back and check. 

I called back on Tuesday XXXX morning at XXXX XXXX  since no funds were deposited back back to my were they were originated. I was still given the prototype answers and refused that I can talk to their supervisor on duty. Since the call was answered by call center, I requested if they can connect me to the bank directly or can put me in touch with the bank manager/officer. My request was not honored and told me to check back now after two to five business days. I called back again on Friday XXXX XXXX and was told still being investigated by a special department and might take another 2 to 5 business days. Now I was worried since my daughter just had a baby and was in need of financial help. 

I called back today morning on XX/XX/XXXX to check and was told the penalty would be simple interest for 270 days. Please note that I called to cancel my account before getting funds from me and now they are trying to rob me with that penalty. 

I strongly demand that my funds of XXXX is immediately returned to my account and stop kiting with my funds that was stopped within an hour of request of opening account.
Consumer complaint received 2020-02-04
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. (AR)

I was getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

CITY OF XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX L XXXX {$3500.00}
Consumer complaint received 2020-01-23
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. (VA)

There is a collection account that appeared on my credit report from XXXX XXXX. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered. 

I contacted the collection company via a phone, XXXX XXXX, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to Equifax. 

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by XXXX XXXX. 

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.
Consumer complaint received 2018-02-07
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: EQUIFAX, INC. (CA)

I have sent correspondence to equifax multiple times with no response to the inaccuracies on my report. I have sent one letter without police report and another letter with 2 police reports in order to clear this matter.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2023-03-08
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. (SC)

XXXX, XXXX and EQUIFAX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (WA)

A debt collection company claims I owe them in excess of {$10000.00} dollars. Through disputes I have had over {$9000.00} removed as zombie debt by both XXXX  and XXXX In response to this, the debt collection company has filed suit against my former employer for wage garnishment. I believe suing a company for whom I no longer work, for debt that no longer exists, constitutes harassment. I intend to file a complaint with the Washington State Attorney General as well.
Consumer complaint received 2018-04-06
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: WELLS FARGO & COMPANY (FL)

My credit limit was lowered from $XXXX to $XXXX  because Wells Fargo got a report from a credit bureau that told them my limit should be lowered. I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution.Wells Fargo representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.
Consumer complaint received 2018-02-07
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. (CA)

For a very long time I have battled with Equifax regarding removing the fraudulent account which is dropped from $ XXXX- {$5000.00} for cash aid withdrawn by the mother of my children who at the time was collecting cash aid and did not have the children since I had full custody. The {$55000.00} was updated and taking off by the department because of the mistake in the fraudulent {$5000.00} amount Its still been reported by the bureau even though I let them know that that amount is fraudulent. The mother is currently in rehab and I would like the negative information taken off and blocked once and for all.
Consumer complaint received 2022-09-20
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. (IL)

I have new and updated information regarding previous complaints with this company. Transunion has been and are continuing to report negative information to my consumer report and they are not in compliance with the Fair Credit Reporting Act.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (CA)

I contacted Equifax over a month ago and ask for a full disclosure credit report I still have not receive one. I don't understand why this is taking so long. I had to freeze my account do to some activity that wasnt mine and now am trying to figure this all out and getting no help from Equifax.I need my report ASAP
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MA)

On XX/XX/XXXX I purchased approximately {$2000.00} of stocks and some options on the trading app Robinhood Financial LLC. I have been trading stocks on Robinhood for 3 years and everything I have purchased I have been able to buy, sell, and trade options on the securities after I purchased them. Today on XX/XX/XXXX I am no longer able to trade these stocks and options as I normally would be able to, resulting in my ability to earn money. Now the securities are worthless as Robinhood has restricted people from trading the stocks. Robinhood manipulated the market.
Consumer complaint received 2022-09-20
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (FL)

On XX/XX/XXXX, we had a closing on a Revese Mortgage on FHA XXXX. XXXX. A check in the amount of {$220000.00} was sent to HUD and cashed by the HUD on XX/XX/XXXX. 
( See Attached ). To this day the Department of Housing and Urban Development and their servicer CompuLink, Corporation have not executed a Satisfaction of Mortgage. 
This property has been sold and the open reverse mortgage still showing on title. 
It has been 10 months that the Reverse Mortgage was totally pay-off still showing on the property as a lien. 
I called FHA about 10 times, I received an email from CompuLink Corporation that it was sent to recording since XX/XX/XXXX. 
Total lie, I was today in XXXX XXXX XXXX XXXX to get a certifified copy of the Satisfaction of Mortgage and there is nothing recorded or sent to recording from CompuLink, Corporation related to this matter. 
So clients got hurt, their rate expired and now there are paying more in their purchase due to this inapropiate behavior form HUD and their servicer. 
Please help me to correct this issued. This is about making homeownership easy and affortable. 
Regards XXXX XXXX XXXX