davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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. (MD)

( 1 ) I made this statement ( XX/XX/XXXX ) on XXXX under my wife 's account : " Credit/debit card fraud alert. My credit/debit cards information was stolen 3 times in a row. Do NOT flash your credit/debit card numbers inside XXXX store XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX ) and near XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). Better tape your credit/debit card numbers and the security code ( you can still use the built-in chip ). I suspect there are hidden video cameras recording customers. '' ( 2 ) The following charges were made in XXXX ( XXXX XXXX XXXX XXXX grocery store ) on XX/XX/XXXX, when my Citi Bank credit card got compromised : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ( 3 ) I had immediately disputed the charges when I saw them in my statement with Citi Bank, however, on XX/XX/XXXX, all 4 disputed charges were denied on the following basis : " We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy for your records. We now consider this investigation closed. '' ( 4 ) This is unfair play on behalf of CitiBank knowing their unsafe business practices and current financial problems ( XXXX XXXX XXXX ) : " Citibank has been in trouble with regulators, and was fined {$400.00} XXXX by the Federal Reserve and the Office of the Comptroller of the Currency in XXXX. The fine was for unsafe and unsound banking practices, which included sending around {$900.00} XXXX to the wrong recipients.XXXX  XXXX, XXXX '' ( 4 ) I've never been in XXXX, nor have I ever been part of any credit card scam ( or any scam whatsoever ), I've been a loyal customer of CitiBank for many years, payed my bills on time, and have a higher than average credit card score ( all this information is easily obtained ). I have never been to XXXX ; I reside in XXXX XXXX, XXXX I have never made the above purchases or contacted anyone who might have made them in XXXX. 

( 5 ) In addition to the above, below I show that my debit card from another bank was broken into ( twice ) around the same time. 

( 6 ) My debit card ( with another bank ) was broken into ( and, then, again was broken into with a new re-issued card ). I can obtain and show proof from that bank if needed. This was the time I'd started a discussion on XXXX ( under my wife 's account ) on debit/credit card fraud in the area : XXXX XXXX  XXXX? XXXX & XXXX & XXXX & XXXX % XXXX At this point I would love to see how CitiBank can prove their case.
Consumer complaint received 2023-01-31
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. (TX)

In accordance with the Fair Credit Reporting Act. the accounts listed below : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-05
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. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly. 
FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (HI)

paypal credit keeps charging me interest when none is due and all the promotions they offer include the interest in the monthly payments. 

The 6month no interest promo is no interest for 6months the easy payment plan includes the interest in the monthly amount at a fixed rate that insures they collect interest on each easy payment so long as it wasn't an easy payment with no interest promotion. 

I have called the company many times and I either get the run around with misrepresented words or they hang up on me while trying to figure it out. They are doing it to millions of people collecting millions a month in these interest charges that no one can explain. 

I tell them how can they charge that extra interest when I have everything paid so I pay no interest except what was previously agreed to in some of the easy payment method. 

Even managers will talk deceptively and hang up or do all they can to confuse me and get me to curse or hang up. They were obviously trained in manipulative talking tactics. 

Syncro bank I think they are called paypal credit. They do not honor their agreements because of these extra charges its like 200-500 $ a year extra that I didn't agree to pay. 
Their whole system stinks of a money laundry or a off the top scam. 

See that XXXX $ what is it for if all the interest is already included in the easy payments and I don't have any 6month no interest due. And I understand they take a portion of the 6month promo every month but no interest is charged. What is that XXXX $ similar charges on all my statements. What is it they are super shady about it and can't explain. 

Please look into this.
Consumer complaint received 2023-03-21
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. (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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

Sometime around XXXX I filled out an application for forbearance with my lender, Citizens One for one of my rental properties. The bank states Your credit will not be affected and late fees will not apply when you enroll in forbearance.

About a week later I received a letter that said I did not qualify for forbearance, so I moved on. About a month and a half went by and I was reviewing my auto pay for my loans and I noticed XXXX was pass due. I called Citizens one to inquire. They stated you signed up for forbearance so we took you off auto pay. I told them I received a letter that said I didnt qualify for forbearance, they didnt seem to care. 

I inquired with XXXX credit bureau and noticed a late payment was reported by citizens. I called Citizens One back to notify them of this mistake, and ended up filing a complaint with customer service. They stated that the dispute would go to a different department and they would review my complaint. 

After about a month, I called today for an update, they stated that they will not update the credit bureaus of their mistake and have them take the missed payment off of my credit report. 

My complaint is this : I want The late payments to the credit bureaus taking off. I want to be able to talk to the department at Citizens One who was responsible with coming to the conclusion not to remove the late payment that was their fault, I want to know why I was taken off auto pay. 

Their conclusion does not take into account their responsibility for lying about the terms of the forbearance plan. They actually did the exact opposite of what the forbearance plan terms says, they reported me to the bureaus and added a late fee to my missed payment. I literally received a letter that said I didnt qualify for forbearance. and their terms say there is no penalty for missing a payment while on forbearance. 

They took me off auto pay without my knowledge. They applied late fees to me and reported me to the credit bureaus. Customer service has refused to let me speak with anyone in charge of the investing my missed payment. I am at a loss for what to do. I need help!
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IL)

I currently filed a bankruptcy with the federal government. The bankruptcy was filed in the state of ILLINOIS. Case # XXXX to XXXX XXXX XXXX XXXX XXXX There are false and negative information being reported. XXXX asking for this negative information and debts be removed from my consumer report. Thank you.
Consumer complaint received 2020-08-29
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 requested a dispute of inaccurate information reported on my credit file on Experian website, on XX/XX/2020. I noted in the dispute that the companies listed were paid in full, in less than 8 hrs Experian notify me that the companies verified the data reported on the credit report to be true. This is no way possible, because I have proof of payment and a letter from each creditor confirming the payment and the account as paid in full. 
Where is the proof that the creditors sent to Experian notifying them of an outstanding balance. 

This is not fair, and a proper investigation needs to be done.
Consumer complaint received 2023-03-28
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. (FL)

I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX  provided the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).
Consumer complaint received 2020-08-29
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: Shellpoint Partners, LLC (AZ)

I am writing you because I have three late payments on my record for a mortgage that I was paying for XXXX, XXXX, and XXXX, of 2020. I made these payments through green tree mortgage co. I was unaware that the mortgage co. Had changed and I was delinquent until I received a refund check from XXXX XXXX  on XXXX.i did not know that shell point mortgage servicing co. Was the new mortgage co. Due to the fact that I am a traveling nurse. I contacted shell point mortgage servicing company right away and to my surprise I was 3 months late. Even though I had sent those payments to green tree. I payed shellpoint as soon as I became aware of the problem. I am requesting these late payments be removed from my record because I played them on time in the first place. I am inclosing bank statements that prove I payed on time and did not even know I was late there was no notification of this.
Consumer complaint received 2021-09-08
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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX  and XXXX  and placing my health at risk and denying me a care  credit card through Synchrony bank
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. EXPERIAN AMD XXXX STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B (  C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX/XXXX/XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX/XXXX XX/XX/XXXX {$360.00} XXXX/XXXX XX/XX/XXXX {$360.00}
Consumer complaint received 2020-08-29
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. (TX)

I have filed a dispute with Transunion to accurately correct the two accounts with XXXX XXXX XXXX XXXX, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed between XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted XXXX directly who confirmed the accounts have a zero balance and was reported to each credit bureau including Transunion as such. It has been impossible to contact Transunion by phone since their Customer Service line is fully automated and does not appear to allow any opportunity to speak with an individual and only routes their website to view the report or submit a dispute. 
Under the FCRA, both Transunion as the credit reporting company and XXXX/ XXXX XXXX XXXX are responsible for correcting inaccurate or incomplete information in your report. It has now been 4-5 months since XXXX initially reported to Transunion and roughly 60 days since the dispute has closed to no avail. Please contact XXXX  directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my report.
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I am writing this letter to try understanding the 30 late records which were also recorded against me on my credit file. In XX/XX/2020 Kia Motors Finance implemented a deferred payment program for customers that were dealing with the effect of COVID-19 pandemic which offered customers three months of deferred payments. I took advantage of the program offered, in XXXX and XX/XX/2020 the deferred payment program was approved ; however, in XXXX I contacted Kia Motors Finance to request a deferred payment for XX/XX/2020 I was misled and misinformed by Kia Motors finance representatives twice. 
The representative claimed to had processed the request and told me to call back within 72 hours to confirm the request had been approved, and I did, I called three days later and was told by another representative that the request had been approved however on XX/XX/XXXX I contacted by a representative regarding XX/XX/2020 payment, upon informing the rep that a request for a deferred payment was requested and approved I was informed that it had not been processed or approved. The representative stated she would attempt to help me out by processing and another request for a deferred payment and told me not to make any payments at the time until the request was processed and approved, by the XXXX of XXXX I was informed that the request was denied. 
By XX/XX/XXXX I was three months behind on my Kia care payments which were due to no fault of mine but due to the actions and misleading information given by Kia representatives.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (MD)

I mailed Loan Depot a notice of error with my mortgage account and error with reporting me 90 days late to credit bureaus, I also emailed them, talk on phone to there escalations department and attempted to remedy both errors with XXXX  All my attempts failed and im exhausted. I attached my payment history that they sent to me through the XXXX. It clearly shows I was never 90 days late. 



The second error I mailed, emailed and try to get helpful solution and with the assistance of The XXXX XXXX XXXX  was due to a miss mortgage payment in the month of XXXX that I was not notified about until end of XXXX in which caused this compiled effect of miss payments. I am attaching the email from Loan Depot XXXX XXXX XXXX admitting to an error in there system that my month of XX/XX/XXXX payment was recorded as paid due to a glitch in there system. I was notified of this at the end of XXXX and only because I called about my credit report. They could have attached that payment to my recent XXXX XXXX XXXX XXXX that ended in XX/XX/XXXX. This company reps have been very rude and condescending to me. Im asking for them to give me a helpful solution to this payment I was unaware of for 4 months and that they failed to notified me on. Instead I received incorrect 90 day credit report and Notice to XXXX Letters every month because I dont have the means to pay XXXX payment right now.
Consumer complaint received 2021-10-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. about these complaints.