davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
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. (MI)

On XX/XX/19 and XX/XX/19 charges from a place called XXXX XXXX XXXX were made to all the ( 3 ) credit cards I was carrying in my wallet while traveling in XXXX. Two of the credit card companies, XXXX XXXX and XXXX XXXX, immediately fully waived any responsibility to me for these charges, verifying that they were clearly Kiting Fraud charges. The third card was a Citibank card. I was mailed a letter from Citibank stating that they flagged activity that was similar to recent fraud trends and to contact them regarding suspicious transactions to my account. The charges were made on XX/XX/XXXX in the amounts of {$14.00}, {$62.00}, {$76.00}, {$100.00}, {$340.00} then started on XX/XX/XXXX at {$21.00}, {$290.00}, {$570.00}, {$610.00}, {$1.00}, XXXX, {$1600.00}, {$2900.00} for a total of {$7800.00} in charges I did not make. [ this pattern of sequential charges in increasing amounts was the same with the other two cards ]. When contacted, Citibank fraud representatives first stated that the charges would be removed ( as well as interest fees relating to the charges ) and that I should just continue making the minimum payment on my actual balance on the card. They did not remove the fraudulent charges and began charging interest and late payment fees as these charges exceeded my credit limit thus making my minimum payment {$5800.00}! When contacted again, they said they would open an investigation. I then received a letter stating they concluded their investigation, that there wasn't enough support to resolve the dispute in my favor, and that they were closing the investigation. I did not make these charges and I understand that in accordance with the Fair Credit Billing Act, liability on stolen credit cards is limited to {$50.00} ( though I still have the cards so my liability really should be nothing. ) Nevertheless, because of Citibank 's unwillingness to treat me fairly I have since been denied for a home equity loan and another credit card ( not part of this fiasco ) sent me a letter denying me further credit.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-01
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-07
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: BARCLAYS BANK DELAWARE (SC)

On XXXX XXXX, XXXX XXXX switched from XXXX XXXX to Barclay 's for credit cards. 
I made a payment XXXX {$12.00} to XXXX on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX. 
This amount was posted to my account on XX/XX/16. It was then credited to my Barclay 's account. Barclay 's says I still owe {$12.00}, although my account shows a XXXX balance. Because I was getting past due notices, I went ahead and paid the {$12.00} again. Barclay 's also added a {$2.00} service fee, which they later removed. I have made numerous telephone calls, and customer service has not resolved my problem. 

I also filed a written dispute with the bank, and I started receiving messages from the president 's office. They leave a call back number, and I call back and get a voice mail box. I have left 3 messages with no call back. Then I received an email saying they are unable to contact me and gave me a phone number to call. I called the number, and there was a message that I had won a gift card from XXXX. This did not sound right to me, so I hung up. 

I checked my account again today and saw there is a {$0.00} current balance with a statement balance of {$14.00} ( {$12.00} plus the {$2.00} service charge ). I can not get any help from Barclay 's. They promise to correct the error and agree there is an error.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-01
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. (NC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (OR)

My daughter bought a pre paid vanilla visa gift card from XXXX XXXX and had {$500.00} put on it can provide receipt. Before she even had a chance to use it her money was gone and we can't get anywhere with them or on how to get it back after the store promised to refund her money to her... It's been a on going headache for about a week she bought card on the XXXX of XXXX. When you call card it says to activate it at the store ....
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent letters to TransUnion, XXXX and XXXX requesting removal of XXXX. XXXX Bankruptcy. I sent with dispute letter information from Northern District of Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions.

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

Also, according to 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.

15 U.S.C. 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
Credit Bureaus have violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports this is grounds for Removal.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 an account without my written instructions.

According to : 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.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have made several attempts to have this issue resolved. I Certified Mail was sent on several occasions.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, the annual fee of my Amex XXXX card posted. On XX/XX/XXXX, I was trying to cancel it, but the webpage and mobile chat were both down, so I could not, and I assumed the phone department would not work because of that. I waited a day to contact Amex to cancel the card. On XX/XX/XXXX, I was told even if I closed the card, they wouldn't refund the annual fee because I was 1 day too late, and it's my fault that I did not contact them a day earlier although their chat was down.
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (FL)

OnXX/XX/2019, I refinanced my car loan with Ally for a better rate with my bank ( XXXX XXXX XXXX ). A check in the amount of {$11000.00} accompanied the paperwork. The remainder of the loan with XXXX XXXX XXXX. Car loan first payment was due XX/XX/2019. After XX/XX/19 passed, I started getting calls from Ally about when I was going to make the payment. I explained the situation. Then I kept getting harassing phone calls for payment. On XX/XX/19, worried my paperwork and check were lost in the mail, I went back to the bank and wrote another check for the same amount and XXXX XXXX XXXX sent it off overnight. The phone calls kept coming, saying they had not received the paperwork or the check. I tried and tried to call and get someone to help, but the only number available was customer service located in the XXXX. I also tried email, but no help there either. I kept checking my online Ally account ... NOTHING. The calls kept coming. Finally, on XX/XX/XXXX, I noticed the check had been cashed with my bank. The transaction was dated XX/XX/19. I thought everything was resolved. THEN, I noticed Ally had cashed the other check on XX/XX/19 even though my Ally account has said paid in full. I called them ( XXXX again. ) They said they would issue a check in 10 days and mail it to me. This is not acceptable.
Consumer complaint received 2019-10-22
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)

I have explained to Equifax that these accounts are fraudulent accounts. I have provided all requested documents but these account remain on my report. Please delete these accounts.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Fair Collection and out keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I check my credit report and see that they are reporting the collection on my report which is damaging my credit. I asked for a validation of yet to show that I had a contract with them, also I dont owe the money I stayed in the apartment for 3 years which is normal wear and tear and I turned the key in on the day I was supposed to. I also asked the rental office to do a walkthrough with me and they refused.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (SC)

On XX/XX/XXXX I closed out an XXXX XXXX account, received a credit towards my balance, resulting in a XXXX  balance. 

In XX/XX/XXXX I received a negative report on my XXXX  credit report saying I owed {$89.00}. The collection agency was XXXX XXXX XXXX. I spoke with an XXXX rep who said they had screwed up and that I still owed them money even none of my subsequent XXXX bills ( after XX/XX/XXXX ) showed any XXXX balance due. After lengthy discussion with several XXXX reps, I was told the problem would be resolved in my favor. XXXX also removed the disputed fee from my credit report. My last combined billing statement in XXXX/XXXX  XXXX from XXXX showed a XXXX balance for XXXX  XXXX charges. 

On XX/XX/XXXX, I received an alert from XXXX that a negative report had been placed on both my XXXX and XXXX credit reports for the same {$89.00} XXXX fee. This time, the collection agency was Sequium Asset Solution. I was able to once again successfully dispute this charge and get it removed from my XXXX and XXXX credit reports. However, Sequium calls me daily regarding the {$89.00} and I have now started blocking their calls thanks to caller ID. 

I need help stopping this nonsense.
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: Experian Information Solutions Inc. (NY)

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.
Consumer complaint received 2019-10-22
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. (MD)

This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( Experian, XXXX, and XXXX )
Consumer complaint received 2022-07-02
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)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/3018 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 15 U.S.C 1666B : 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 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My TransUnion Credit File No. XXXX dated XX/XX/XXXX shows that XXXX XXXX requested information from my credit file on XX/XX/XXXX. I previous reached out to management when I noticed that the company had pulled my file on XX/XX/XXXX and was advised by XXXX XXXX that they had not pulled my credit and would remove any and all inquiries from my file. My file clearly shows XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX accessed and reviewed my credit file without permission on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX. The problem I have with this is the company advertises in BIG BOLD LETTERS ... .NO CREDIT CHECK. Therefore, when I am getting a title loan through this company, they should NOT be pulling my credit under any circumstances. This practice is illegal and should be handled accordingly.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Hello, Few months ago I realized there was incorrect accounts on my credit report, accounts on charge off status with incorrect information and a few other issues. I investigated and sent letters to the credit Bureaus it has been more than two months and they didnt answer and I checked my credit report and all this incorrect information its still showing on my report
Consumer complaint received 2019-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, TransUnion, and XXXX )