davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I made a large payment in the amount of {$1300.00} to my Citi account and my credit limit was lowered from {$5000.00} to {$3200.00} immediately following my payment resulting in a 5 point decrease in my credit score. Had the limit stayed the same, my credit would have improved as it had done with my making on time minimum payments. My attempt to improve my credit actually made it worse. I want to pay down my debt without taking hits to my credit due to higher than normal payments. I am being held hostage to interest payments over a longer period in order to improve my credit. What Citi has done is not fair to me. I have been praying my bill as agreed since 2013, never missing a payment and they penalized me for trying to pay down my debt with them. This is plain wrong. How can I improve my credit without spending thousands MORE in interest on my high balance? The fact that they did this only after I made this large payment is fraudulent, predatory and goes against their advertising of treating customers fairly. They gave me a limit and penalized me for using it. It is wrong. What kind of relationship exists between Citi and its customers? I have been loyal to Citi spending thousands of dollars in interest with them to keep the benefits I enjoyed! I am as loyal as a customer can be. I feel betrayed by a bank I thought I could trust. They do not care about the customers credit experience. I am only a system generated credit card number where some algorithm determines that my credit payment history with Citi doesnt matter and to further penalized me for doing the right thing by paying down a balance to help improve my credit. Had I made another minimum payment, my credit likely have continued to improve. I am disappointed in the disloyal decision.
Consumer complaint received 2020-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (IL)

In 2015, a car loan was allegedly opened in my name at XXXX with XXXX. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by Velocity Recoveries. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document XXXX to review the signed contract. The XXXX, proved that I did not conduct this transaction. I have written to XXXX, XXXX, and Velocity Recoveries to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP (TN)

I went to my bank us bank XX/XX/22 asked for cashier 's check told them to whom I needed it for they denied me and said they don't write checks for that business.like it's any of their business.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I strongly disagree with the decision that is taking by XXXX XXXX  against me today after like 30 days of waiting since I've put in my disputes against those companies as Credit Acceptance, XXXX XXXX XXXX etc. They should be all remove immediately from my Credit Report!!! I consider this  decision which is merging you ( XXXX  ) as link to XXXX XXXX as a strong discrimination one '' s. 

XXXX XXXX I am lively standing behind my Credit Issues from now on. You guys got to stop selling people 's name!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Won't remove the on authorized increase because they claim I'm using the third-party company which I am not. I'm the one and the only person that's repair my credit report.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: COLLECTION BUREAU INCORPORATED (CA)

After several attempts, XXXX and XXXX will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because XXXX  and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from XXXX  which has all the relevant details. 

XXXX  and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, Collections Bureau Inc. After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor XXXX XXXX XXXX XXXX XXXX to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from XXXX  was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.
Consumer complaint received 2021-02-12
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 contacted all three credit reporting agencies about the report of Child Support information. They are reporting the amount is XXXX. All three bureaus by law must report accurate information. This is the 611 ConsumerFairCreditReporting Agency Federal law. Currently, on my credit report, they are reporting it is now XXXX which is still incorrect. Federal law states, that three credit bureaus must report accurate information. 

All three credit bureaus for the last four months have not reported accurate and correct information on my credit report. This is against the law. They have not reported accuracy and when calling to inform them of the incorrect information they take my complaints as frivolous. They refused to validate the date. I have requested for all three credit bureaus to send documentation on what company verified the debt. They did not send any documentation on who or what company verified the debt. I have received my request for dispute is still pending. However, if the Florida Department of Revenue is reporting information monthly all three bureaus should be reporting correct balance and correct date of last activity. The three credit bureaus are showing the last reporting date XXXX2021.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

hi i made a payment on my td credit card and for some reason td didnt register it. 
because of this td sent to the credit bureaus ' that there was a missed payment. this is not true. when i reached out to td they agreed to waive the late fees but were not willing to help regarding the incorrect missed payment
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

I was turned down for foreclosure assistance. The investor doesn't offer any type of assistance. I have completed a mortgage application and was first told it will not be looked at because it was less than 37 days. My auction date is XX/XX/XXXX and the application was submitted and completed XX/XX/XXXX. I was informed that closed the file on XX/XX/XXXX. I've been in contact with Fay Servicing since XX/XX/XXXX and no assistance has been offered just proceeding with the foreclosure process. I, along with XXXX XXXX XXXX XXXX have been in weekly contact with Fay Servicing trying to get Fay Servicing to speak with me and verify I was the successor in interest. I have sent in numerous court documents showing my interest in the property ( I reside in ). I have emails of me reaching out to the foreclosure attorney expressing how Fay Servicing was not trying help me or look at my court documents. It was not until XX/XX/XXXX XXXX XXXX XXXX took another step and put pressure on Fay Servicing and after months of stress and worry I was finally confirmed Successor In Interest when I was confirmed over a year ago. In the mean time Fay Servicing is still processing a foreclosure even though I had an open case for assistance. I can never reach my relationship manager and if you speak with another manager they all say the same thing, you need to speak with your manger there is nothing I can do. Since XX/XX/XXXX I have left voicemails and emails for my relationship manager. I still have an auction date set for XX/XX/XXXX and need {$35000.00} to bring my account current. I don't have that type of money and if I did I would just pay the past due and go on with my life. This is maybe my 4 complaint against the company. I even had XXXX XXXX agency assisting in the matter. They made conference calls and heard the non nonchalant concerns regarding my account. I feel as if this is a ploy to foreclosure on my home without providing assistance. I was told my house has no equity and that's not true. The house is valued close to $ XXXX and I owe {$83000.00}. I just need help and justice as I feel Fay Serving is  trying to take my home
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Technically I have two accounts with you and I have questions about both finally complain on here seems a bit drastic but your website with all due respect is useless you cant do much of anything and theres no easy way to sing you a message on there so I guess Ill sing you want to hear I travel a lot so I cant always be on the phone anyway back to my question I have a XXXX XXXX Credit card that you just took over from another bank I have a few questions I dont use this card very much because it can only be used at the store Id like to know what I need to do to get this to become a Visa MasterCard so I could use it more often I have a good credit my credit score is in the XXXX I never missed a payment I have a decent job I mean I do everything youre supposed to do the first thing Id like to know if I can get the switch to a visa or MasterCard second is there anyway to increase the credit limit and decrease the interest rate? The last four of the card that I am referring to are XXXX between that and all of my personal information you should be able to locate my accounts The next credit card that you own and operate and have for years is the Menards big card I have all the same questions as I did with the first card is there anyway to turn this into a Visa MasterCard as you can see it doesnt get use much because for some weird reason you only approve me for a store card even though I have excellent credit looking at my XXXX XXXX and XXXX  report right now neither one of them have one negative thing on them nothing theyre perfect so Id like to know can I get this turned into a visa or MasterCard also credit line increase would be nice and a lower interest-rate would be nice but I have one additional question I did try to use this card how Id say about a week ago on the Menards website for some items that could be shipped to my house and the website kept telling me my card have been declined. Any idea why that wouldve happened? Considering I never use The card or I have very little because I can only use it in your store I dont understand how I couldve possibly been declined Im nowhere near my credit limit On this particular carded ends in XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I had XXXX and cancelled it. Returned the equipment, ( of which I no longer have proof. It was right before COVID and I moved. ) but I may not have paid the last bill, I don't remember. Regardless, I started getting frequent calls from - Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Office Hours : Monday to Friday XXXX XXXX  EST To XXXX XXXX PST and Saturday XXXX XXXX  EST To XXXX XXXX  Toll free # XXXX around XXXX. I talked to them one of the times, and they said I owed {$1100.00}. I explained that I had sent the equipment back and I no longer had the service. I explained that I may have owed a month but I returned the equipment so why was it so much. He said that the bulk of the bill was not the equipment, but the bill itself. I asked him what company would let you keep your service long enough to accumulate that much debt for internet/cable? I then gave him my email and asked him for and itemized bill that shows how the debt became that much. He told me it would take 3 days. I got the email and viewed the documents. It was two consecutive bills that did not show how the big debt accrued but it was just added on from a previous bill. No itemized reason for the debt.
Consumer complaint received 2023-04-08
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. (CA)

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Please fix these accounts in my file, I need these accounts fixed for their reports are mistaken and causing me trouble : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-07
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. (TX)

I recently saw that I have 2 credit cards that I never applied for. I am a XXXX  and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX XXXX  XXXX  acount ending in XXXX 2.XXXX XXXX Credit card Thats all the info I have.
Consumer complaint received 2022-09-10
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. (MD)

Equifax has inserted a column on the consumer credit reports label actual payment amounts. According to Equifax this information is being supplied by the creditor. I received my Equifax credit report and the actual payment amounts which each creditor are incomplete, blank, inaccurate and they refused to allow me to dispute this information although its considered in accurate data. Equifax is also refusing to disclose who this information is being used and how it affect the consumers credit scores. I can not find any laws under the FCRA which grants the credit reporting agencies rights to collect and distribute actual payment amounts without the consumer consent. I am asking the CFPB to provide and/or disclose how this information is being used and how it affects the consumers credit scores and right to privacy. If credit reporting agencies are allow to collect and distribute actual payment amount and I asking the CFPB to enforce accuracy of this information and how the creditor and credit bureaus legally responsible for accuracies after its disputed by the consumer and provide consumer protection from this abusive practices of reporting inaccurate payment histories.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized accounts/information. These discrepancies have significantly impacted my financial well-being and credit health.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 2021-03-30
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. (NC)

I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Portfolio Recovery Association and XXXX XXXX XXXX. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MI)

this was case 2007 XXXX XXXX that was closed. It should not have been closed. 
The credit card company is NOT sending statements if the balance is XXXX. 
They have it set up that anyone who is set up for automatic payment and to have the bill paid in full will generate a XX/XX/XXXXbalance. then they go one step further and say if the balance is XXXX then no statement is generated. This is soooo wrong. There were charges made and paid for during the statement time period. The portal states you can access statements for the past 24 months. well you cant access them if they are not on the portal because you are signed up for auto pay. This is beyond absurd. Credit cared companies should HAVE to generate a statement if any activity took place. I totally understand that they would not have to generate one of there was no activity. but this is very different. I need the statements to tale care of info that I need to do my taxes. The portal shows dates and dollar figures of what was charged and paid but there is no detail of who it was paid to. When I figured out the auto pay date thing I stopped my auto pay. At least now I can get statements. I pay my credit card down andkeep a XXXX cent balance. It does not help me out with the missing statements. there are 7 missing statements. when I call them and they say there are no statements regardless if there was activity or not when the balance is XXXX. How can they be allowed to request a payment or take a payment as in the auto pay and not have a statement???