davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (FL)

Simple. Apparently, US Bank has realized I am tired of receiving demands for {$0.00} for the current month when in reality I am nearly three ( 3 ) fully months ahead on my payments. My solution is really quite easy, and apparently, I maybe correct that those in processing have no idea what those in charge of the Fraud Department are thinking or doing, respectfully said of course. Because my most recent payment coupons are now labeled correspondence instead of indirect lending. 

So, I scanned and maintain a payment coupon in my index, and I adjust it accordingly because US Bank consistently and continually fails to issue a current ( again I am no less than two ( 2 ) months ahead so currently my ) payment coupons this payment is for XX/XX/2023, but what I get from that bank is for XXXX and a {$0.00} demand. Moreover, my Credit report is delinquent of facts necessary for anyone to fairly assess my creditworthiness. This is apparently a system wide problem as it happens to me in every banking debt I have. 

I bet if I was in default, they'd surely have that information readily available, which I may begin to elect to do so as to get the matters in for judicial review on the lenders dime as I possess each and every checking & banking statement for the past six years along with eft 's and all other information including handwritten ledgers. I contend this is a violation of the Uniform Commerical Code and may well be ripe for Jury Review and full unfettered ownership of that RV because of the prejudicial and dilatory actions of the creditors, same is currently under review.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NC)

I have attempted to contact XXXX XXXX in regards to this debt. Ive even attempted to dispute it on their website multiple times. They call me more than 10 times per day. I asked them to correct the website or take the bankruptcy case #. They refuse to buy continue to ask for my address. I spoke to 3 people in one day without any resolution. Theyre trying to make me miss the 30 day dispute period which is XX/XX/XXXX. Her is the case # with IC systems XXXX {$3100.00}. This was included in my bankruptcy which was discharged in XXXX of XXXX. My Bankruptcy case # is XXXX XXXX. I want them to stop calling me.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (MI)

I had the credit card XXXX XXXX XXXX XXXX approved by PNC Bank on XX/XX/19 and everything was paid on time and I met all of their terms and conditions ; then all of a sudden I receive a letter dated XX/XX/19 from PNC that this account has been closed immediately based upon info they received stating " NEGATIVE PUBLIC RECORD '' .with no notice as to where this incorrect info came from.This is completely incorrect as I monitor all the credit bureaus religiously ; XXXX   and XXXX thru XXXX XXXX and the other XXXX directly and their is no notification as such as PNC states.I was put in touch with PNC rep after numerous complaints requesting the name of the credit source who disclosed this and was rebuffed by each person I spoke to. 

All I want to know is the source of this incorrect information ... ... ... .is it XXXX XXXX XXXX or XXXX ? 

Please help me with this request as this is an abuse of the Protection Act
Consumer complaint received 2017-12-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OR)

UDAAP violation from Synchrony Bank through their online banking platform. 

I made a payment through Synchrony Bank online banking which showed that I was due for XXXX XXXX. This was on the XXXX of XXXX. 

Thursday XXXX XXXX I was sent an email from them saying I missed my payment. Friday XXXX XXXX I was sent a text from them saying I missed my payment. 

XXXX XXXX XXXX I was able to call Synchrony Bank. The automated system said I was due for XXXX XXXX. Although the automated system and a phone representative said I was due for XXXX XXXX payment. 

If I did not pay until XXXX XXXX I would have a credit report. They did give me an e-mail and text but they were in direct contrast to what their online banking, automated system, and employee told me I was due for. 

This is a deceptive practice.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (CA)

I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (TX)

I 'm writing once again because once again my inquires were n't removed off my report. I did n't authorize for my credit to be ran and I want these inquires removed immediately. I feel like I 'm getting the run around and I 'm tired of it. I also placed a fraud alert on my credit because of this matter.      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  and  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 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. (TN)

i call the credit bure au  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sect ion 6-11 of  the fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these three was in public record, Mississippi Div
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roycroft Management (TX)

Central Mediation Services .... I get phone calls from  XXXX  and they say they need to " serve me papers '' by  XXXX  on Wednesday  XXXX   XXXX . They started calling my work number on Monday  XXXX   XXXX . I asked them not to call my business number. She,  XXXX   XXXX  or  XXXX   XXXX , called again saying she needed to serve me. They left a message on my cell number to call  XXXX . When I call the  XXXX  number the line just beeps. When I call the  XXXX  number a difference individual answers each time, they do not say the name of the business and then are very ugly and state they do n't call and they outsource their calls and always get hung up on. I spoke with  XXXX  and  XXXX  at the  XXXX  number. My husband and I have both explained they are violating the law and can not call me at work and to serve the papers if that is what is needed. They called again on Tuesday and then today called several different people in my company stating they need to know how to go about serving me at work and they need to talk to HR and my supervisor. They called a bout 20 t imes. I asked them again to quit calling and  XXXX  stated they have the right under the FDC to call and when I asked for a supervisor I was hung up on. They would not divulge who the " outsource '' person was. At this point I am being harassed and I called The Federal Trade Commission and they stated it sounded like a scam but they can not file a complaint without a company name. This is going to cause problems for me at work. Any help you give would be appreciated.
Consumer complaint received 2022-08-03
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. (NJ)

I have been trying to dispute an account in collections that is reporting inaccurate information/amount owed to Equifax. I have a document that shows there is a discrepancy with the amount reported, Equifax agents agreed over the phone on different occasions ( Last conversation over the phone XX/XX/2022 ) that the amount reported is wrong, but they refuse to remove the information. This is after a formal dispute has been filed online. Amount reported to Equifax is for {$2700.00} from XXXX XXXX XXXX XXXX. The Document provided to Equifax shows {$2400.00} from XXXX XXXX XXXX XXXX. Last dispute to Equifax was submitted on XX/XX/2022. Investigation was completed by XX/XX/2022.
Consumer complaint received 2022-08-03
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)

Municiples employees XXXX Municipal employees XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (WA)

This is a bank to bank transaction issue. I am trying to retrieve my money. 
On XX/XX/XXXX, I opened a checking/saving account with Citibank, and my husband transferred {$10000.00} and {$15000.00} from his XXXX XXXX account to this new Citibank account on XX/XX/XXXX and {$49000.00}, and {$500.00} on XX/XX/XXXX. 
All of the transactions went successfully to my account and the funds were reflected in my account balance. 
However, Citi suddenly closed my account after the fourth transfer, alleging fraud despite no such claims from XXXX or from us. 
Then I contacted Citibank, asking Citibank to return the money back to the sender 's account. but their agents provided inconsistent responses. 
Initially, an agent said that the funds would be mailed to us via check within XXXX to 60 days after the account 's full closure. 
However, another agent denied this and directed us to file a claim with XXXX XXXX, then we contacted XXXX XXXX, XXXX has filed a Reversal of Transaction claim to Citi, but Citi rejected this claim. 
Then Citi bank was asking a " Hold Harmless claim '' from XXXX XXXX, saying that this is the only way to retrieve the money. However, XXXX XXXX declined to file this claim as it goes against their policy, which only allows for a Reversal of Transaction claim in this situation. 
We've made over 10 calls to Citibank, each lasting more than two hours, we also tried escalating to a supervisor, and the supervisor refused to answer our call and did not call back.

Despite more than two months passing, Citi Bank still hasn't returned the money, and we're losing interest daily. Citi Bank still refuses to offer an alternative solution, insisting that XXXX XXXX needs to file a Hold Harmless claim. As a result, we feel that Citi Bank is treating us unfairly and that there is no way for us to retrieve our money.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017 by  certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i i ssued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

In XX/XX/2022. I was notified of charges on my Sear Shop My Way card. {$660.00} was charged on account XXXX. The account was closed and a new card issued ending in XXXX for {$1500.00} and {$240.00}. I have tried several times to contact the Fraud department with no help or resolution. Today XX/XX/2022 that they could not help me because the account was closed for fraud. I am a victim of identity theft and have been trying to file a police report in XXXX, Mi and they are the reason I can not.
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Fig Tech Inc. (TX)

15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy. 15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I HAVE NOT GIVEN ANYONE AUTHORIZATION TO REPORT THIS ACCOUNT TO ANY CREDIT BUREAU.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection PAYMENT EXTENSIONS WERE OFFERED PRIOR TO THE STATED DUE DATES therefore your company can not base any payment dates as late from their original due date when you agreed to extend or defer those due dates. This is why your reporting is not only erroneous but also fraudulent. You can not manipulate your own agreement in order to negatively and maliciously report false data. The minute an arrangement was made prevented any account to be reported as late.

I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has REPEATEDLY refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios. I am attaching an invoice for compensation for the violations.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I am receiving letters from Rent Recovery Solutions on a debt I do not believe I owe. XXXX of XXXX, I moved into an apartment located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Apartments. Before singing the lease to the apartment, I was unable to view the apartment due to the apartment not being ready to see until my move in date. Upon moving into the apartment, the first night I noticed there was a pest infestation. Roaches to be exact. The apartment was completely unlivable. The apartment complex was aware of the infestation of roaches and did not disclose that to me before singing the lease, nor did they allow me to walk the apartment before the signing the lease. I was told that in order to move my things in I needed to sign the lease. As stated above, the apartment was not ready to be viewed until the day I moved in. 

Once I noticed that there was a pest problem, I notified the apartment complex in which they told me that they sprayed the apartment the night before I moved in and it was normal for pests to come after a spray. However, this was not a roach hear and there, it was a infestation. Roaches were pouring from ceilings and coming out from the bottom of the cabinets and light fixtures. During this time, I notified the apartment complex again and also called the health department. I moved out the apartment XXXX  days after moving in due to unlivable conditions. 

I am not being charged for this apartment and I do not believe this is a debt that I owe. Upon request correspondents with the apartment complex and videos and pictures can be supplied along with the report to the XXXX XXXX XXXX department.
Consumer complaint received 2017-04-26
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: BARCLAYS BANK DELAWARE (NH)

This morning,  X/XX/17    i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have  XXXX  accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all  XXXX  accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.
Consumer complaint received 2017-04-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial (VA)

I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from  XXXX  called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX  County Court s ( Civil and Circuit ) and a sked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said  XXXX , I asked why there were representing themselves as  XXXX  County and they said they were retained by Spot Loan but now the case has left their office and I better pay Spot Loan before they take further legal action. I 'm sure I have paid them way more then the original principle.
Consumer complaint received 2023-01-04
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. (PA)

Equifax Credit Reporting agency assisted in my name and credit report being used fraudulently by violating the following FCRA code. 
FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

SEE ATTATCHED
Consumer complaint received 2023-01-30
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: EOS Holdings, Inc. (FL)

on XXXX my credit report show a collection.They said I owned XXXX XXXX dollars for an account in XXXXfor an address XXXX XXXX XXXX XXXX XXXX XXXX.I never lived or owned this property.I 've been living in XXXX since XXXXThey also have the persons name as XXXX. I never went by the name XXXX.This same collection was once removed from my credit report once before around two years ago. After XXXX had no account for me, and that collection was from a different collection company.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX