davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

With no explanation whatsoever, I was charged a {$28.00} 'return check fee ' by Citibank on my double cash credit card. I have never, ever paid by check and I have always paid my credit card bills in full. I was told that the fee was due to a bounced payment, but that the payment went through the second time. I was told that the charge would be waived, however I would have to pay the charge and wait until XXXX for the charge to be removed and credited. This makes no sense.
Consumer complaint received 2022-07-22
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, eighth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once! 

FRAUDULENT Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} Unknown Equifax Collection XXXX {$1200.00} Unknown Equifax Collection XXXX {$82.00} Unknown Equifax Collection XXXX {$130.00} Unknown Equifax Collection XXXX {$680.00} There are also a number of Inquiries that should also be removed. I did not request service or credit from them : XXXX XX/XX/XXXX XXXX XX/XX/XXXX There are also incorrect addresses listed, which I have complained about and request the immediate removal of this incorrect information XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the fraudulent information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2018-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

This company I C System Inc keeps trying to collect an alleged debt XXXX XXXX XXXX XXXX that is not mine. I have multiple times reached out to them and XXXX and they continue to report on my credit an item that is not mine.
Consumer complaint received 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TN)

I have contacted EdFinancial Services twice to correct inaccurate information reporting on my student loans. They have a XXXX loan reporting under the wrong college. The correct college should be XXXX XXXX XXXX which I attended from XXXX XXXX XXXX. However, they have loans listed under my undergraduate college which I graduated from in XXXX. There is no way possible that I took out a XXXX XXXX during undergrad in the previous year when the XXXX loan was disbursed in XXXX. This issue has caused problems with enrolling in another college.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX XXXX  found in XXXX  v. XXXX XXXX   which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc. (IL)

My medical bill was charged not from XXXX XXXX XXXX under auspice that my medical insurance would cover for it but didn't. I got a surprise OUT OF NETWORK bill that my XXXX XXXX XXXX XXXX XXXX didn't cover. I was billed under XXXX XXXX XXXX XXXX. Nowhere on website XXXX XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX XXXX is covered. I shouldn't pay for OUT OF NETWORK bills. XXXX XXXX XXXX has a list XXXX XXXX XXXX that shows that XXXX XXXX XXXX XXXX XXXX is covered. Without XXXX XXXX XXXX XXXX not publishing the right on what is covered, they knew that the hospital charge wasn't covered and would charge me anyway. I shouldn't pay for {$230.00} on charge not listed on XXXX XXXX XXXX website.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MI)

Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to XXXX. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This is a complaint against Equifax. It is an emergency and you are part of the solution. What happens to my credit report that I can not access it? No creditor either? I have been trying to find a solution with the special affairs department for a week and they have been very supportive of me but there is no solution. This complaint goes directly to the technical support department and the department that issues the credit reports. This situation has me very stressed, I demand that this problem be solved now. Please look forward to a quick response. Or you are breaking all Credit Reporting Act ( FCRA ) laws, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (AZ)

I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from Phoenix Group XXXX According to the representative is ran by XXXX XXXX XXXX XXXX XXXX Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1.XXXX  UNIVERSITY XXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX  Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100  % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2020-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

I sent a PayPal payment to a retail provider in XXXX for an item they had for sale. PayPal had received my request and had put the transfer into " Pending '' status and have not made the funds accessible to the provider. I have not been able ( after many attempts ) to contact PayPal to find out why this payment has been held up. I would like PayPal to release this payment so I can receive my purchase.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and the IRS pass my SS Number on to people that shouldn't have had it iI have an extended fraud alert on my file with NO PHONE NUMBER. I CAN'T EVEN GET A CREDIT CARD NOW. Transunion is clueless in how to fix it and XXXX won't help me either.
Consumer complaint received 2022-07-22
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (FL)

I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX  ( 3 times repeated ) XXXX ( 2 times repeated )
Consumer complaint received 2018-09-10
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. (TN)

Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.!
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-09-27
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)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXX SERVICE XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX  CA XXXX XXXX XXXX Filed : XX/XX/XXXX.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On Wednesday XX/XX/XXXX I deposited a check that I thought was real, XXXX On Thursday, XX/XX/XXXX, I checked my account approximately XXXX, and the check # XXXX for {$14000.00} was posted and clear in my account. Later that afternoon I withdrew {$9000.00} and {$4900.00}. 
Had no issues with the account until Friday night XX/XX/XXXX approximately XXXX, when I checked my balance and saw that the bank had withdrawn the {$14000.00}, leaving me with a negative balance of - {$1900.00}. 
I understand now that it was a scam, not only on myself but also how the bank deposits checks and posts funds. 
I went to the bank Saturday morning and was told it was a courtesy that they post the balance, and that I am responsible for the money from that check, even though it was clear and in my account for almost 2 days.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I had reached out to Home Depot multiple times to have my account paid in full, within the 24 month period. I had made atleast 4 phone calls stating for the account to be paid in full. The last call I made for a payment was in XX/XX/2018, Home Depot never processed my payment and now I have charged me almost double amount owed. The amount that was suppose to be paid in full was {$5200.00} but now they have charged {$4400.00} in intrest. I feel scammed.

Every single conversation I was told that they would be taking a full payment and then they continue to just take the minimum amount.

Home Depot has told me they have no records of my calls and then told me they cant pull the recording. I keep getting different stories every time I talk to someone.

I understand they make their money in intrest but right is right, and wrong is wrong.

The full amount was to be drafted out of my account before the intrest was applied and Home Depot didnt process my payment and charged me {$4400.00} in intrest instead.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00}