davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

I have had a Citi XXXX XXXX XXXX XXXX for 6 years. Recently I identified fraudulent activity on my card and another was issued. When I attempted to add my new card to XXXX XXXX it would not work and a block Fraud Alert was placed on my account. I was told that the block could only be removed after I received a letter from Citi with a XXXX verification code, despite correctly answering my security question and verifying both my wifes phone number and mine. This happened initially when I first opened my account, after attempting to add XXXX XXXX, a transaction was denied and a block was placed on my account. At that time I was able to resolve the issue over the phone and have my card added to XXXX XXXX. 2 days ago ( XXXX ) I spoke to a Citi fraud representative, and provided the XXXX code they sent me in the mail. My card was reactivated. While on the phone I informed the representative that I was unable to add the card to XXXX XXXX. I was told the card was already added to XXXX XXXX. I told them that my account showed no cards added. I attempted to add it several times while on the phone with the Citi representative, and I was told again it was already added. The next day I used my card successfully for XXXX transactions and later, again tried to add it to XXXX XXXX. Next, my account was blocked again with a fraud alert making my card unusable. Today, I called Citi Fraud, and was told again, that the only way they could reactivate my card was to mail me a letter with a XXXX code, with which I was to provide them, again. Remarkably, I have serval other credit cards that I have no problem whatsoever adding to XXXX XXXX. So, it is my intention they are doing this deliberately, since it is not perhaps in their financial interest : I pay my card in full each month.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I have a general purpose XXXX through Comenity bank. They have always had a strange cut off time, XXXX ET, which is XXXX hours earlier than other cards. But it was clearly stated, so I never questioned it. When I went to make my XXXX payment at XXXX XXXX on XXXX XXXX due dateI was confused that my payment was late and could not be processed until the next day. I paid my statement balance in full anyway. I, then, called multiple times to figure out the discrepancy. I was told that at the end of XXXX notices were sent out that the cut off time was rolled back to XXXX ET. They have my correct address, but I cant recall receiving my anything in the mail from them in recent memory. There is one notice if you log onto their payment page. I went through my email. I have dozens of email adverts and account notices from multiple accounts under Comenitybut not one specifically notifying the change in cut off. I was told that it was my fault for not being aware of their new cut off time and all late fees and interest would be assessed.
Consumer complaint received 2022-04-24
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. (IA)

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX  ( Date XXXX XX/XX/XXXX, Credit Limit {$1500.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, Date Opened XX/XX/XXXX, Credit Limit {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

On XX/XX/2022, I sent a money transfer in the amount of {$1200.00} through moneygram to a relative in XXXX. Moneygram debited the funds from my bank account within 24 hours. However, the receiver was not able to pick up the money. After contacting a moneygram employee via telephone they stated that the transaction was under the review and that they needed to speak to the receiver. I decided to send the money through XXXX XXXX instead on XX/XX/2022. That same day on XX/XX/2022, I called moneygram to request a cancelation of the money transfer. Moneygram stated that they needed to speak to the receiver in order to cancel the transaction first which seemed odd and in contradiction to their cancelation policy on their website. On XX/XX/2022, the receiver contacted moneygram in XXXX and stated that he did not want to receive the money from me, the sender. The moneygram employee asked for his email address to supposedly send a confirmation which never arrived. Several hours later I contacted moneygram through a chat window on their website to cancel the transaction because the moneygram website would give me an error when I tried to cancel online stating that I needed to log into my account although I was logged in. The moneygram employee gave me the same generic information that the transaction was under review and that they needed to speak to the receiver so that the money could be paid out. I again stated to the moneygram employee that the receiver had already called and spoke to moneygram stating that he did not want to collect the funds. I again requested a cancelation and refund of my money. The agent gave me a telephone number to call moneygram again. It appears that this company is acting in bad faith and deliberately refuses to process the cancelation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed in their website with respect to their cancelation policy. I am filing this consumer complaint in order to obtain a cancelation and refund of money that moneygram debited from my bank account.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, XXXX or TransUnion ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, Trans Union LLC XXXX XXXX XXXX XXXX XXXX by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My mortgage company was Rushmore Loan Management Services. During the pandemic we applied for the forbearance assistance plan. We only used the plan for the month of XX/XX/XXXX. We continue to paid our mortgage on a monthly basis after that. I have proof that payment were made. In XXXX they sold out mortgage to another company The XXXX XXXX and now they state that we owe them about {$8000.00}. I have reach out to Rushmore and XXXX XXXX XXXX  and none of them want to help me get this straight and get my account current. I made a payment in XX/XX/XXXX {$4900.00} to XXXX XXXX XXXX. I need assistance to get this square. I am not afraid of losing my house because I have paid every single month. Please if some one can help me. This is a very sneaky way of doing business.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.
Consumer complaint received 2022-03-10
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. (TX)

XXXX XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by XXXX XXXX XXXX whom was informed by XXXX XXXX Credit that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. XXXX XXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. However this hasn't been the case. I also recall having to address this with XXXX XXXX XXXX  ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX  and CFPB in addition to any further action that may be taken against said mortgage servicer.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (GA)

PLEASE HELP! 

I send a certified letter to XXXX on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to XXXX stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that XXXX was indeed where they received the information from that I never gave XXXX any written consent. It has been 30 days and I still have not received any type of documentation from XXXX. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from Experian that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can Experian update a dispute and XXXX still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called Experian and asked what was they provided from XXXX. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and XXXX XXXX. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. XXXX is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to XXXX to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer XXXX has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because XXXX continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE HELP! 

I send a certified letter to XXXX on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to XXXX stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that XXXX was indeed where they received the information from that I never gave XXXX any written consent. It has been 30 days and I still have not received any type of documentation from XXXX. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from XXXX that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can XXXX update a dispute and XXXX still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called XXXX and asked what was they provided from XXXX. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and XXXX XXXX. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. XXXX is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to XXXX to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer XXXX has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because XXXX continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.