davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit 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. (CO)

Citibank, on behalf of The Home Depot ( THD ) affinity card, allowed an impersonator to a ) change my home address and b ) obtain a new credit card. Impersonator made a purchase on XXXX  Citi collections started calling me when the card was past due. I did not know it was past due because statements were sent to the changed address. 

I can prove that I was at my home, over XXXX miles from the point of purchase, when the fraudulent transaction occurred. 

I contacted Citi on XX/XX/ to dispute the charge and report the fraud. Over the course of 24 calls ( and 17 disconnections that occurred when I was transferred within Citi ) from XXXX  to XXXX XXXX learned that Citi 's " Security Operations '' team received the fraud case on XX/XX/ - 28 days after I filed it - and the Escalations representative ( XXXX XXXX told me that he does not have the information he needs to conduct an investigation. 

Citi has credited the amount of the original purchase, but has : 1. Charged me interest and late fees totaling {$71.00} for that purchase 2. Refused to credit that amount, or hold it in abatement, while the investigation progresses 3. Not provided any information about how and when they might start the investigation, given that they admit that they do not have the information they need to do so My requests : 1. Initiate the investigation.

2. Credit the interest and late fees to my account.

3. Notify the credit bureaus to hold me harmless on my cre
dit score during the investigation ( my credit score has dropped from XXXX XXXX XXXX since the start of this incident ). 
4. Allow me to talk with Citi representatives about this situation. Citi has denied me the right to talk about this situation on 70 % of the calls I have made because they can not " verify '' my identity, such as thru multi-factor authentication. I have provided a XXXX " password '' that subsequent representatives were unable to use ( they had never heard of such a passcode ). Instead, they call my family, none of whom are named on the account. ( My family does not take calls from unrecognized numbers, but they do review the voice messages left. ) 5. Stop calling my adult children and my spouse about this situation. They are not named on the account. 
6. Put a permanent freeze on my files so that Citi never issues credit in my name. Why? Because Citi makes it easier for someone to commit fraud than for me to even talk to Citi about fixing it, and I have lost all confidence in the Citi organization. 
7. Fix Citi 's telephone system so that I don't get disconnected on XXXX separate transfers over the course of 28 phone calls. Better yet, solve my problem without transferring me among Customer Service, Collections, Fraud, Security Operations and who knows what other departments.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I submitted a request to Experian to deleted items off my credit report, because of identity theft. I received an updated on  XXXX   XXXX ,  2017 . I have the report number and on the copy of my report it is showing that Experian deleted items off my credit report, but the items reappear on my account. I had  XXXX  account items deleted and  XXXX  inquiries deleted, that was input back on my credit report. I have sent disputing letters to Experian about deleting items on my report. I just need for Experian to deleted the items back off of my credit report.
Consumer complaint received 2022-12-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC. (NY)

To whom may concern, I have a commercial loan account with bank of hope since XX/XX/XXXX. It is 5yr fixed rate+5yr variable rate + lum sum full balance payment or refinance after 10 yrs. no penalty for early payment after 5yrs. 
And I have been paying monthly mortgage on time for 6 year now. Due to the sky rocketing mortgage rate these day, I have paid the majority of the principal amount in XX/XX/XXXX to decrease the interest amount on my principal balance. 
however the monthly bill and the monthly interest amount was not dropped at all, and I kept receiving the same bill even after big payment on my principal. 
I called the branch to ask about the situation, but they just told me that the person who helped me with my loan is no longer in charge.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. ()

In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.
Consumer complaint received 2022-07-31
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. (IL)

Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 XXXX Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( XXXX ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( XXXX ). 
Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. 
I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( XXXX ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. 
I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (TX)

I  XXXX  am not the person that opened an account with  XXXX   XXXX . I can safely say someone has my information and is using it to get service with  XXXX   XXXX . Please feel free to contact me for any questions.
Consumer complaint received 2022-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

I reach out to Citi Bank numerous of times XXXX mail & over the phone, just to ask them to move my old debt thats paid off and almost reach it statue of XXXX years but however, they told me I have to contact the XXXX credit bureaus but the bureaus told me I have to call the company. so today on XX/XX/2022 I called XXXX and I was told i need file a report. I explain to XXXX about the circle I keep going in, yes my debt is paid off but however im asking for an removal off my credit report. XXXX XXXX XXXX keep stating the same thing when reach out to the companies. I feel im not being help right
Consumer complaint received 2022-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our Wells Fargo joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank Wells Fargo still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX XXXX and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and Wells Fargo bank did not care about the law!!
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IN)

I was contacted by Wells Fargo via two letters that indicated my account would be closed due to reports that the bank had received regarding identity theft. I have two letters, one dated XX/XX/XXXX and one XX/XX/XXXX - both arrived the same day - both reference the same account - both give different dates of cancelation of the account ( s ). I called the bank to find out why I have received these letters. I DID NOT open any new accounts with Wells Fargo, I do NOT have any existing accounts with Wells Fargo and I did not give my permission to open an account with Wells Fargo. They refused to help me over the phone. I called the Fraud and Claims Management department. They would not open a Fraud case and they indicated that could not give me any information about " my '' accounts and they told me I had to go in person to a location to resolve the issue. I do not live near a Wells Fargo bank and would not be traveling to go fix a problem that I did not create. Wells Fargo allowed a fraudulent account to be opened in my name. They refuse to tell me how, where or with what documentation they allowed an account to be open. Nor would they disclose what type of activity was going on in this fraudulent account.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (SC)

I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on  XXXX / XXXX / 17  when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to  me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet   in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (CT)

At the Key ATM, I deposited {$80.00} in cash. I received an error message. I was not posted to my acct. They gave me an XXXX number to call and file a complaint. I won't get my money back for 7-10 business days. I NEED THAT MONEY NOW!!
Consumer complaint received 2022-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (PA)

On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our XXXX XXXX joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank XXXX XXXX still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX kids and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and XXXX XXXX bank did not care about the law!!
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I requested a Macy 's Credit card on XX/XX/22 at the Macy 's located at XXXX XXXX XXXX XXXX, PA XXXX. The sales woman asked for my information and did not ask to pull my credit but she did it anyways without permission when she told me to enter my social on the electronic pin pad and to enter my salary and then asked me to sign on the pin pad which I used my beneficiary signature even though I was forced to sign electronically instead of being allowed to do business using physical paperwork. I was then told that I was denied for the Credit card and that I would receive something in the mail in a few days about the denial infront everyone present at check out. I was humiliated. On XX/XX/22 I called Macys XXXX XXXX XXXX and spoke to XXXX who informed me that I was denied for not having enough credit history and then put XXXX her supervisor on the phone who also stated I got denied due to not having enough credit. I informed them on the TILA and also Title 15 1611and 12 CFR Part 1002 Regulation B and they said it was the automated system. On XX/XX/22 I called the Macy 's reconsideration line to speak to a live person and get them to review the request. I spoke on the reconsideration line asking that my request be reconsidered since I was denied by the automated system. He said of course and took my information and then told me that no I could not be considered eligible due to me not having enough credit and that the Macys credit card is not for beginners and that I needed to have credit history before applying. I informed of the laws in this consumer transaction and I was told that they do not apply here and are not backed by anything. In this consumer credit transaction my credit was pulled without disclosure, I had no disclosure at all, this faults and misleading denial of my own credit because I wanted to access a portion of my unlimited credit .I was discriminated against by them using a credit report against me and without my permission stating misleading information when I'm credit worthy and I have unlimited credit XXXX am aware that they've taken my Social Security number and electronic signature and in doing so have already been paid and they still denied me and discriminated against me.
Consumer complaint received 2022-12-08
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: M&T BANK CORPORATION (MD)

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 an account without my written instructions.

15 USC 1666B : a credit or may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-27
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acc. # XXXX Spring XXXX XXXX  XXXX XXXX # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) - Section states : No consumer reporting agency may make any consumer report containing 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 2022-09-27
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. (MN)

My XXXX XXXX charged off account was paid off in XX/XX/2022. XXXX XXXX is still showing XXXX payments recently late after the charge off occurred on Equifax. This is happening several times now and it never seems to get fixed. Please investigate why XXXX XXXX and Equifax can not get this right. We have gone back and forth many times. Thanks
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (ND)

Original debt to XXXX XXXX was approximately {$450.00}. {$250.00} for early termination fee and a 1 month bill. Jefferson Capital Systems XXXX XXXX. XXXX MN is claiming I owe over {$4000.00}. A representative I spoke to on XX/XX/2022 stated there were late fees of over {$3400.00} charged within a 6 month period.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or Equifax to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (OH)

I sent in a complaint for Tek Collect, they are reporting a balance in collections on my credit report ; this is completely false and they need to remove this balance immediately. 
They sent me validation and the statement I received shows that I have a balance of XXXX. XXXX Regardless of the EOB that is not a bill by the way, what was billed to me from XXXX XXXX showed that I owe nothing and that my balance was XXXX. 
This is falsification and they need to remove themselves from my credit report immediately.