davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MD)

I received a call from citi stating that i had opened a credit card with them and I told them I had not so on XXXX XXXX, 2016 I sent them a letter requesting that they provide me with validation persuant to FDCPA meaning competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation with them and they did not provide this information. I also explained to them that any negative mark placed on my credit report for a debt that I did not owe was a violation of the FDCPA sec 807 { 15 USC 1962e } : and I gave them 30 days to validate or delete this account and they did not nor did they mark it as disputed as required by the FCRA. I then sent them a second request on XXXX XXXX, 2016 to validate and provide proof of this account and to this day they have not done such they sold this account to a collection company called XXXX XXXX and I sent them a cease and desist letter because I do not have a financial obligation with them and they can not provide me with a signed contract stating that i owe this debt. I am requesting that CITI remove this account immediately from all XXXX credit bureaus ( XXXX, XXXX and XXXX ) as i have requested validation of this account and they are both unable to and unwilling to provide me with the proof that I am requesting, I am keeping records of my transactions with them and am willing to take them to court and file a defamation and a reporting of inaccurate information case in both federal and state court.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (MI)

Charged {$470.00} for a hotel I never stayed in 4 months ago, tried disputing transaction they told me I cant and I have to pay it.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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 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 Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-09-13
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. (NV)

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions First Premier Act. # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Cc XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Convergent Outsourcing XXXX in accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX/XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-11-08
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (MD)

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning two bankruptcies on my report. These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Consumer complaint received 2022-09-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$250.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-13
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: Mr. Cooper Group Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : NSTAR/COOPER XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-09-13
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 logged onto my XXXX account today & saw there was a XXXX  XXXX account listed on my page. I have never had an XXXX  XXXX account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX  & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Synovus Bank (FL)

In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?
Consumer complaint received 2022-09-13
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-29
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)

I got a car loan through XXXX XXXX in XXXX of XXXX. The car I had a loan for the transmission went bad within five months. I did a voluntary repossession on the vehicle in XX/XX/XXXX. I owed about {$3300.00} left on the loan. It shows on my credit report it was charged off in XX/XX/XXXX. However, XXXX XXXX has reported that I have 46 late payments and have charged me interest on the loan every monthly of {$79.00}. It states on my credit report that I now owe {$6200.00}. I have sent numerous of dispute letters every 6 months for last 3 years stating XXXX XXXX is reporting inaccurate information. The company then reports back to the credit bureaus that what they are reporting is true and correct. I then sent a demand letter to XXXX XXXX in XX/XX/XXXX, stating to correct the information they are reporting and please give me the correct amount I owe after the vehicle was fixed and then resold. The company has not yet responded. This is affecting me with trying to apply for a loan for a home, getting denied for a credit card through my credit union, etc. I need direction on what else can I do. Please help me.
Consumer complaint received 2022-09-13
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. (AZ)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (TX)

Discover Bank mailed flyers to Discover Credit Card holders advertising a {$300.00} checking bonus upon opening a new account and meeting direct deposit requirements. 
I complied with all the requirements, sent an online message to which a representative responded that I met the requirements and would receive the bonus offer by XXXX/XXXX/16. 

Upon following up, I was told that I was not 'targeted '. Even though I received the mailer and opened the account ; which the confirmation page shows the bonus.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (VA)

We previously filed a complaint in XXXX regarding a stolen check that was cashed at XXXX XXXX XXXX XXXX and our bank, Chase, providing no communication to us or XXXX  to try to recover the funds. After filing the initial complaint, Chase finally reached out to XXXX  on XX/XX/22 with the claim information. This is, of course, factually different from the response that Chase provided to CFPB on the prior complaint. XXXX  responded via fax and certified mail. Chase is now after having settled the initial claim with you stating that they finally reached out, are providing no further communication, and maintaining that they have not received any communication from XXXX  It has been almost XXXX XXXX since these funds were stolen and neither bank is providing the stolen funds or communication on when this matter will finally be resolved.
Consumer complaint received 2016-07-06
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (OK)

Tried to activate a prepaid card with netSpend, they wanted me to submit paper proof of drivers license, birth certificate and social security card. No other service has ever asked for that when activating a PREPAID card. Then I could n't get a refund, they made the card a one time use, did n't get the fee I paid for the card back just the money I loaded.
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, AND EQUIFAX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX BANK ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (PA)

I sent a transfer for XXXX XXXXXXXX on XX/XX/22 from my Wellsfargo Bank Account to XXXX XXXX XXXX Bank with routing number XXXX and to account number XXXX. The money was never transferred to the recipient. I first opened a case with Wellsfargo Bank to look into and they kept on prolonging without a proper response. After 10 days of calling several numbers, they said its closed and without a resolution. Again they made me open a new case ( XXXX ) on XX/XX/22 and saying it would take 10-20 days to resolve. My money is being stuck for more than 2 weeks and the Bank is taking their own time to credit the amount back to my account. I kindly request you to take stringent action for the delay and for not causing me inconvenience by not making my money available.

Entity to contact at Wellsfargo Bank : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-13
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. (NJ)

I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And the violated my rights numerous of times .I demand the counts listed below be removed. 


According to 15USC 1681 ; I have the rights to privacy and I did not give Equifax permission to furnish these accounts Account : XXXX XXXX XXXX Dates XX/XX/22 XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

Navient is reporting false information and is not responding to lawful request to investigate : Navient did n't respond to my direct certified mail complaint ( signed recieved XXXX/XXXX/16 ) of reporting false information on my credit reports. Navient did n't record my dispute in my Navient account or notify credit bureaus of the dispute. Navient never notified me of negative information at any point. When first contacting Navient by phone, Navient admitted having no record of notifying me of anything when I informed them my Federal Student Loan had been in deferral at the time they are reporting me as delinquent. On that call, they did admit the records were very old and incomplete. They said I 'd have to send them a written dispute via US Mail, which I did as refereed to above. Note : I had disputed this first with all XXXX major credit bureaus and found that the false info came back as " Verified '' by Navient. I then emailed and called Navient for help and then ultimately ended up sending the dispute by US mail per their insistence that the phone call and email disputes would not be accepted by them. It is now XXXX/XXXX/16, I have not heard from Navient and the credit bureaus have again " verified '' the false information with Navient.
Consumer complaint received 2016-04-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: D. SCOTT CARRUTHERS (CA)

Scott Carruthers Law firm claimed to be a debt collector for XXXX. Scott Carruthers Law firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to XXXX. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX Scott Carruthers Law firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX but nothing about a law firm. I then called Scott Carruthers Law firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from Scott Carruthers Law firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

After taken a loan for a degree seeking at XXXX University I obtained severe high interest, negative credit reporting and debt increase as a result. Unfortunately, I have yet to make close to what I owe and unable to pay as Navient request or make what I borrow since graduating. I do hear that there is also a law suit with the school I attended XXXX University in regards.