davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On the XXXX XX/XX/2020 I received an email from Citibank stating that I was eligible for a promotion which was exclusively available for Citi / AAdvantage cardholders. The terms and conditions of the promotion begin : The following Terms and Conditions apply to the bonus offer associated with new account opening of the Citi Miles Ahead package. If you are an Eligible Customer and complete Required Activities which include opening a Citi Miles Ahead Savings account in the Citi Miles Ahead package as first signer, deposit New-to-Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn up to XXXX AAdvantage bonus miles : On XXXX XX/XX/2020 I opened an account and deposited {$10000.00}. I maintained this balance until XXXX XX/XX/2020 when I withdrew the money. This was 77 days meaning that I met the above terms and conditions requiring that I maintain the balance for 60 days. I called up a couple of months later to inquire why I had not received the XXXX promotional miles and was informed I must wait 90 days to be credited with the miles, but the representative confirmed I was eligible and would receive the miles. 

On XXXX XXXX I called Citibank as I still hadn't received the promotional miles. I was provided with a reference number ( XXXX ). On XXXX XXXX I received a response from Citibank saying that the terms and conditions require you to maintain the balance for 90 days, and that I failed to do so and therefore was not eligible for the promotion. This is incorrect, as the terms and conditions in the promotional email stated 60 days. 

On XXXX XXXX I called Citibank and explained the issue to a representative who told me " We've reviewed this and sent you a letter, there is nothing you can do ''.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (FL)

I opened a square account and used my prepaid debit card to make a payment to myself to deposit into my primary checking. Square decided to request for all my personal info, such as access to my bank accounts, license, business info and much more. They also suspended my account and said they will hold my money up to 90 days. I told them that I want to close my account and get my {$750.00} refunded to me, but they refused to refund me and they refused to close my account. The rep told me that they cant help me unless I submit all the documentation theyre requesting.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I keep getting denied for American Express and I don't think it is fair. I applied for the American Express Gold card on XX/XX/XXXX and was denied and was told to wait 30 days and I did. I applied today and was still denied and was told you guys used a credit report from XX/XX/XXXX which isn't even my most recent report. Please fix this. My reference number is XXXX. last four of SSN is XXXX and XXXX is XX/XX/XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I was called from an unknown number stating the man was a process server attempting to serve me but he wanted to set up a time to schedule it. I asked what it was for and he didnt know but gave me a phone number to the law office. I called and a very rude man informed me I had a 10 year old debt to a bank and I owed $ XXXX and I stole from the bank, it was a fraudulent theft charge and I was going to jail/county lockup for 180 days. I asked what the debt was for and he would only tell me the name Fifth Third bank. Man knew my full SSN. Anytime I asked for any other information he became belligerent and said I was refusing to pay and he was going to use the recording in court to prove I knew about the debt and that it was accurate and I confirmed it was mine, though I did not. Man said I had a court date for the following Monday at a XXXX court but he refused to give me any sort of case or account number, he said he didnt need to because he had my voice recorded saying I knew it was mine and I was refusing to pay. He hung up on me twice. I called both Fifth Third bank, who declared I didnt owe them anything, and the XXXX XXXX county court, who said I had nothing pending under my name. I worked in a debt collection law office and know there are multiple MULTIPLE FDCPA violations he made.
Consumer complaint received 2022-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Car was listed repossessed and listed as charge off on credit report. Inaccurate amount listed on credit report after car was resold. Also, never received auction receipt for car, as well as payment insurance, or loan insurance was never listed which was language in contract. Would like this charge off removed from credit report.
Consumer complaint received 2021-03-23
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. (KS)

. XXXX XXXX XXXX, account number : XXXX. XXXX XXXX XXXX XXXX states under the remarks section that this debt was Purchased by Another Lender ; Transferred-To Another Office which acknowledges that they surrendered any legal right to collect the debt in question. Please see attached XXXX, and XXXX credit entries. I am demanding Equifax remove these entries immediately or provide me with your verification documents. Because your investigation findings conclusion of verified. You are legally obligated to provide me with the documents that you used to verify my legal ownership of this debt. 

This has clearly been sold to XXXX XXXX ( XXXX ) XXXX see attached XXXX Credit Report.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

PLEASE REMOVE FROM CREDIT REPORT I DID NOT RECIEVE NOTHING ABOUT THIS DEBT BEING OWED. I DID NOT SIGN NO DOCUMENTS STATING I OWE THIS. THIS IS INACCURATE
Consumer complaint received 2021-02-20
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. (FL)

I was affected by XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX  was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Consumer complaint received 2021-03-23
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. (TX)

XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX  {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A 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 reporting agency
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear TransUnion There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX  {$300.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX$380.00} XX/XX/XXXX DEPT OF EDXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I INHERITED THE PROPERTY. I WENT THROUGH THE PROBATE MATTER JUST AS SPS STATED I NEEDED TO DO. I ASKED FOR PAYOFFS AS THE PAYOFFS EXPIRE EVERY 10 DAYS. MY LOAN IS APPROVED AND WITH THE TITLE COMPANY FOR RECORDING WITH AN UPDATED PAYOFF DEMAND PENDING TO RELEASE THE LOAN TO RECORD. THIS MORNING I SPEAK WITH SPS FOLLOWING UP WITH THE PAYOFF DEMAND AS I WAS ASKED TO PROVIDE AUTHORIZATION AND TRUST DOCUMENTS, WHICH I DID, AND THEY TELL ME THEY SOLD MY HOME. THEY INFORM ME THEY SOLD MY HOME. I ASKED WHY? NO CALLS WERE MADE TELLING US OF THIS SALE DATE, NO NOTICES WERE PLACED ON MY HOME TELLING ME ABOUT A SALE DATE. I HAVE THE FUNDS TO PAY THE LOAN OFF I BEEN WAITING FOR THE UPDATED PAYOFF DEMAND. THE DEMAND I RECEIVED EXPIRED ON THE XXXX OF THIS MONTH AND THE TITLE RECEIVED MY LOAN FOR RECORDING ON THE XXXX OF THIS MONTHS. I HAVE BEEN ASKING FOR AN UPDATED PAYOFF DEMAND AS OF THE XXXX AND I UNDERSTAND IT TAKES TIME TO IMAGE AN AUTHORIZATION AND PROCESS A REQUEST BUT IF THERE WAS A SALE DATE ON THE PROPERTY I SHOULD HAVE BEEN NOTIFIED. SPECIALLY WHEN AN UPDATED PAYOFF DEMAND HAS BEEN REQUESTED. I SHOULD HAVE BEEN INFORMED THERE IS A SALE DATE I WOULD HAVE BOUGHT THE HOUSE AT THE ACTION. NOTHING WAS EVER SENT TO ME ABOUT A TRUSTEE SALE DATE. NOTHING WAS SAID TO ME ABOUT A TRUSTEE SALE DATE. INSTEAD, I WAS BEING ASKED TO SEND THE AUTHORIZATION AND MY TRUST DOCUMENTS OVER AND OVER AND OVER AND OVER. I ASSUME I AM NOW AUTHORIZED AND SO IS MY THIRD PARTY AS NOW THEY JUST INFORMED ME I NEED TO GO THROUGH THE XXXX XXXX DEPARTMENT WITHIN SPS TO OBTAIN THE UPDATED PAYOFF DEMAND AND DISPUTE THE TRUSTEE SALE OF MY FAMILY HOME.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I took out a loan for a vehicle that I purchased in 2018 with Ally Financial. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

Ally has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my Ally account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to Ally and XXXX about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-23
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. (TN)

XX/XX/21 XX/XX/21 XX/XX/21 re : XXXX XXXX  credit card. I entered a restructure program to get my account current and to have them report current on my credit report. I made 4 payments in 3 months ( more payments than required ). XXXX XXXX  was to report my account current to the credit bureau for XXXX XXXX and XXXX. They currently have me delinquent in XXXX XXXX and account closed in XXXX. Part of the restructure was to close the account, but they were to accurately report my account as current. I have disputed in writing their reporting and have asked for a written copy of our agreement on the restructure. I employed a credit counseling company to dispute and I have disputed with the credit bureau. I've called and written for a copy of the restructure agreement, it has been more than 30 days and I do not have the written agreement and they have not reported accurately. I've talked to Experian  and I am told that they contacted XXXX, XXXX said they were reporting accurately and they closed their dispute. I argued with Experian and asked what the purpose of my dispute was if they were going to believe the cc company. I was told they are not a reporting center and not for the use of the consumer.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I was sent a Citibank credit card on XX/XX/2022 I did not apply for. I contacted Citibank immediately ( the same day ) and was directed to the fraud department. They have started an investigation and closed the account that had been opened in my name. I then contacted all credit report companies and placed a freeze on them as well as a fraud alert. I have also reached out to my banks and other credit card companies to notify them.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (IN)

My mortgage loan is currently serviced by Planet Home Lending ( PHL ). I have submitted numerous qualified written requests for specific accounting information. PHL has distorted the accounting and escrow accounts in order to force me into foreclosure. PHL has ignored my QWR requests. I have also submitted numerous requests for a loan modification. PHL has ignored the loan modification requests. PHL has not assigned the loan modification to direct single point of contact as well. These actions are a direct violations of CFPB law, so I am seeking your assistance on this matter.
Consumer complaint received 2022-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I had made monthly payments on time every month, which was around {$800.00}, or more a month, which only lowered my payments by {$7.00}. 
After I had lost my job, I called and let them know. My payoff at the time was around {$2000.00}. Now after around 2 month, and me giving them a little here and there where I scrouged up very little cash they hit my bank account for {$410.00}. Without my consent, which is completely an overdraft in my account since the money was never there. And they said my payoff which was originally {$2000.00}. Is now almost {$7000.00} due to interest and late fees. Within 2 months??