davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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: I.C. System, Inc. (VA)

Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not responded. IC systems collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Consumer complaint received 2021-09-06
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)

To Whom It May Concern Good day to you! I have written to all 3 Credit Bureaus to update my address to only. I told them that I have no idea why the collections were on my report because I never lived at the addresses on my report, and that I sent them a letter from a clerk at the court stating that they do not verify with the Credit Bureaus and I have not received any reply as yet. Today is XX/XX/XXXX and I wrote the letter since XXXX XX/XX/XXXX. The issue has been going on since XXXX. I have 31 hard inquiries and I dont know how it got on my report. Im a XXXX XXXX veteran and Im tired of dealing with the stress each day with them not correcting my name and personal information. 
Thank you! 

Very Respectfully, Concerned XXXX XXXX Veteran
Consumer complaint received 2022-10-14
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After looking at my credit report, I noticed errors with my personal information. 
Listed below are the problems with my personal data. 
Reason : Inaccurate information I am writing to update/correct my personal information on file with your company.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

Late payments XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX Late payment XX/XX/2020 US Bank These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for XXXX months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help me.
Consumer complaint received 2021-01-15
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: Sentry Credit, Inc. (LA)

Ive contacted them about this issue before. I got no response. this is harming me from getting a apartment. I asked from any documents besides a Id and to see my signature or anything that supports this being on my report no response.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

I have a Shop Your Way Mastercard with Citi that I got through Sears a few years ago. I was a couple of days late with the payment last month. I started getting calls from Citi everyday all day long. The last time they called was on XX/XX/2021. A rep called saying she was from citi and said I had a past due amount over {$300.00} and needed to pay it immediately. I told her she was wrong and she continued to argue with me. I informed her I had been on a Forebearance previous to her calling and I had made the XXXX payment. After several minutes she acknowledged I was correct. When I told her to check her system she then admitted that I was not overdue {$300.00} dollars and I was only a couple days late with the XXXX payment. She then said she was saying I owed more because she was including XXXX 's payment which wasn't even due yet. I asked her if she could do something about the interest rate being so high and she told me I had to make a payment before I could even talk to someone about that. I then emailed Citi on XX/XX/XXXX, letting them know that they had violated the FDCPA by calling me so much, on Sundays, and so forth. I also asked bout the interest rate again. I received an email back saying they had updated my privacy policies and they do not respond to online requests for rate adjustments. They then sent me a letter saying they weren't going to call me anymore about the debt however, then they started sending letters shortly after. Citi has violated FDCRA sections 805 ( 1 ), 806 ( 5 ), 807 ( A ), and 808 ( 8 ). I have been in contact with citi prior to these incidents and have notified them both verbally and in writing to not contact me outside of normal hours/times/days for debt collection. I have had to go on forbearance with them 2 already due to covid and unemployment issues. Citi has repeatedly violated FDCPA and blatantly refused to address any of these or interest rate issues.
Consumer complaint received 2019-02-06
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: CITIBANK, N.A. (CA)

XXXX should be wipe off the reason they arent do well is because of fraud and cheat they do to me and tun of other customer. 
All the purchase I made I return them but for sum XXXX reason I still have balance on my account so I disputed the amount last month but XXXX still charge me late fee and madd my balance paddy due I had to waist my time on the phone numerous time go over the whole explanation and because their represanative put me on hold for so long and after I told them that u put me on hold for too long my phone will get disconnected represanative told me not to worry I will call u back but they never did call me back so today I was on the phone since XXXX XXXX right now is XXXX and I didnt get any result just waist of my time and energy explaining
Consumer complaint received 2021-09-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX. I had an approved PPP loan from the financial institution Wells Fargo. This was the first draft loan. I then made an application submission. For the second draw ppp loan. Which I was not approved for due to closing dates and lack of funding. There was a law that stated that small business with under 20 employees will be made a priority and theyre applications would be processed first and should be approved within no longer than 14 days. Specifically from XX/XX/2021 to XX/XX/2021. I asked about my application multiple times through this time period, and even after. And by the end of the Loan Program I was not given an approval of my second loan which was based off the same data from my first draw loan. And was not given adequate response or opportunity to reapply for the loan. There was no adequate information as to why my application took so long and why I was denied.
Consumer complaint received 2021-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

My Direct loans transferred to FedLoan servicing on XX/XX/2021. After multiple attempts to inquire how 109 past payments made to XXXX XXXX XXXX ( XXXX ) and XXXX are being reported for PSLF/TEPSLF.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was in XXXX, CA taking my father to a dental appointment when I bought a burrito from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ca ) using my debit card. As soon as I received the food and got back in my car, I was notified by my bank ( Chase bank ) that my account balance was below a minimum I had set for notifications. Knowing this did not make sense, I checked my transaction history online and saw that there were two fraudulent charges being attempted on my account. I immediately contacted Chase and disputed the pending charges. They refunded me the money and commenced their investigation. 

On XX/XX/XXXX, Chase Bank notified me that their fraud " specialists '' had finished their investigation and found that the charge was authorized correctly. I immediately called to dispute their findings, as I have maintained, I did not buy anything from XXXX. The rep I talked to from Chase said she would re-open the claim and see what notes they had put in explaining their decision. As it turned out, there were zero notes in the file. She escalated the claim for me. 

On XX/XX/XXXX, I received the final notice that my claim was denied and that the case was permanently closed. I called Chase and spoke to an account supervisor by the name of XXXX. I explained to him that XXXX does not do business the in USA and that this situation did not make sense. XXXX agreed with me, but told me that because it was a chip card, that Chase saw it as a verified transaction, regardless of the circumstance. I asked XXXX to explain to me how I could have used my chipped card in XXXX, CA on XX/XX/XXXX, and then also used my chipped card, 5 minutes later, from somewhere overseas. XXXX agreed this was peculiar, but told me I would have to contact XXXX for answers. 

I contacted XXXX and they told me they do no not do business with the United States of America. I told him I had a transaction number from my statement and to please verify what goods were purchased using my card and to whom they were sent to. I have not received reply from XXXX yet. 

During this unprecedented pandemic, funds are short for me. I find it abhorrent that Chase would just right me off, a very loyal customer for over 15 years because they have unwavering trust in their " chipped cards '' - It is now very apparent that chipped cards can be hacked. Any notion that chipped cards are ultimately secure is obviously nonsense. Either that, or I gained super powers and can fly like XXXX from CA to XXXX in under 3 minutes to then use my card.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

we paid off the account in full and they didn't close it. we were never notified it was still open and after just now checking the account they have an invalid address so we were never told it was open with a opened balance. we have zero issues in paying what is owed, however its not ok to backdoor a customer who thought they paid off and closed the account.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

15 USC 16668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-13
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

The account was closed by Citi bank on XX/XX/2021 I paid the balance in full two months later I was sent a bill with 2 XXXX late fees. I called to inquire and I was told just pay the XXXX and my account would but good well the next month I received another bill and they have been sending bills every month adding XXXX plus interest
Consumer complaint received 2021-01-15
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: CITY NATIONAL BANK (CA)

To whom it may concern, I reported my card as lost/stolen around mid XXXX. I have declared a few charges as unauthorized, and have signed an affidavit of fraud, upon bank 's request ( please see attached ). A police report # XXXX has also been filed with the XXXX Police Department, regarding these transactions. 

On XX/XX/XXXX and XX/XX/XXXX, the bank denied my claim stating all these transactions are valid. 

First of all, I would like to state that I still consider this dispute unresolved, and disagree with the bank 's decision. I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''. 

Secondly, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. In the letters sent to me by the bank, I have not been provided with any explanation. All I have been told is that these transactions have been determined to be valid. They have also failed to mention on the letter that I am entitled to a copy of the documentary evidence used by the bank in this determination. 

According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act. 

I consider this letter, the bank 's last chance in resolving this matter amicably. Failure to do so, will result in my attorney filing a complaint against City National Bank for violation of the truth in lending act in refusal to provide me with explanation as to why they believe these charges are valid, lack of mentioning the part that I am entitled to a copy of the documentary evidence used by the bank in reaching their conclusion in their final letter regarding the status of the claim, and lastly, refusal to provide me with the documentary evidence used by the bank in reaching their conclusion that I have made a request for, multiple times in writing, including in this letter. 

Thank you for your time and consideration, Sincerely, XXXX XXXX CNB XXXX # XXXX
Consumer complaint received 2022-10-14
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. (WA)

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. After sending multiple letters to XXXX, I have not received any response from them nor seen any changes to my report. The negative account which I have been disputing still appears on my credit report. This is clearly a violation of XXXX XXXX. Additionally, there is no name associated with this file & which needs to be deleted due to inaccurate information.Please delete this account below : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-14
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)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

On or about XX/XX/XXXX, Citi generated a letter to me that they were closing my card, ending XXXX, for no recent use ( in the past 12 months ). I do not recall the date the letter was received other than it was in XX/XX/XXXX. Today, XX/XX/XXXX, I spoke with a representative of Citi Cards who first told me they have the right to close the account without warning, and who also told me they could reopen the account. However, when we started to reopen the account, he was asking the same questions that a new account holder would go through. Thus, they wanted me to reapply, which would include a credit check. 

I have had this account with Citi since XXXX. In that time, I have built the credit line up to over {$30000.00}. This card is my oldest account and closing it will have a dramatic and negative impact on my personal credit reports with all 3 of the credit bureaus. 

In addition, I was provided with no notice whatsoever to allow me the opportunity to use the card by a certain deadline. XXXX Card just sent me a notice about my account with them that I would need to use the card by a date in XX/XX/XXXX, or the account would be closed. 

I believe the arbitrary closing of my Citi account was purposely done to require a new credit report and application. This should not be allowed. Citi regularly pulls and reviews my credit report, as evidenced when I review my credit reports on XXXX. In addition, I have a second Citi card due to my Costco membership. Thus, they review my report twice each month, once per card. 

At the very least, Citi should provide a deadline to use the card or risk closure. If Citi is going to fall back on the credit card agreement, I want and demand a copy of all the credit card agreements to see if this was ever contained in any of the agreements, and when it was changed. Even if it is in the agreement, this should not be allowed as it negatively impacts consumers credit, which is so hard to build and maintain. 

Citi should be forced to reopen my account, with the same credit line, and without a new application. Citi, being a major bank and knowing how closing a credit line will impact it's customer, should be fined and penalized for this unconscionable practice.