davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

I've been a Citicard member since XXXX. That's 15 years without a single missed payment until I increased my auto-pay amount and was unaware it didn't go through! That one time this past XXXX a payment was 8 days late because the amount wasnt collected via autopay as usual. 
I had also began receiving these robo calls concerning my account which my phone identified as spam. Being sick of this number calling my phone I picked up and it was some bot asking me to check my Citicard account, thats when I found out the new auto pay amount didnt go through. 

The payment was promptly when the when I realize what happened. But on XX/XX/XXXX instead of recognizing my superior record with Citi they decided to be an XXXX* and cut my entire credit line on both cards to almost nothing making it a now appear as if Im at my credit limit thus severely damaging my credit score! 

My credit was reviewed not by a person instead by an " Automated Consumer Interview System '' via XXXX A XXXX computer bot decided I should have my credit cut off! REALLY! Since my XXXX Report is Frozen I'm not sure where they conjured up this nonsense. I've just gone through every line of my credit report and there is nothing I repeat nothing derogatory to prompt CitiCard to do such a hideous thing. 

When I called them all I got was their computer bot runaround, when I finally got someone whom I could hardly understand I was told the the people who actually review credit can only be contacted via snail mail, they dont take phone calls or emails. I was then told they would send a request to them to review my account. No one wanted to take responsibility and there was no one connection with this to speak with. CITICARD reviews credit by using an " Automated Consumer Interview System. '' 15 years of credit history gone because of artificial intelligence, And I use that term loosely! A computer bot decided I should have my credit cut off! I want to let everyone know about Citicard 's egregious behavior and the treatment of the senior clients. When considering an credit card for your business or personal use, this is not the one to choose, there are many other companies that value their long-standing clients. CITICARD IS NOT ONE OF THEM
Consumer complaint received 2021-08-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (FL)

This company keeps appearing on my credit report and they have NOT approach me directly in any way. Every time I dispute this and ask for original terms of agreement for this debt they remove the collection, wait a couple of month and go back on my credit. I keep asking for supporting documents and NOTHING is provided. This is a predatory behavior that needs to stop. I have filed several complaints ; but nothing is provided to me. 

SEQUIUM ASSET SOLUTION Account number XXXX Collection opened XX/XX/2020 2020
Consumer complaint received 2022-04-11
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. (TX)

I received a copy of my EXPERIAN credit report and found the following item to be in error. Account : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. This negative account is not reporting to XXXX nor XXXX. Please provide evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature or delete immediately. I have attached the letter sent to Experian and proof of identification.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OH)

In XXXX we cancelled all accounts at XXXX, location XXXX, OH. 

It took about 6 month to close the Credit-Card Account. We payed if off toatally. 

Account numer : XXXX The account are not visible at US-Bank onlinebanking anymore. 

But : still we get Uni-Statements wit a Begining Balance XX/XX/XXXX?? 
Statement period XX/XX/XXXX through XX/XX/XXXX?? 

US-Bankl charged an Overdraft Fee and refunded it - an Overdraft fee for an account which is not existing since 1 year??

That showes us, that US-Bank is still working with our accounts, because the Uni-Statement from??, arrived here at XX/XX/XXXX, showes an Ending-Balance of XXXX. 

We are desperated, we do not see a chance to stop this, we are no longer interested in working with US-Bank. 

The last statement came from this address : USBank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX WE MIGHT BE ABLE TO SEND THIS COMPLAINT, BUT WE ARE NOT ABLE TO LOG INTO OUR ACCOUNT BECAUSE YOU DO NOT ACCEPT NEIHER OUR USERNAME NOR OUR PASSWORD WE SENT SEVERAL EMAIL TO CFPB AKSING FOR HELP. not one of them was responed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MN)

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY EQUIFAX CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT EQUIFAX. HOWEVER, MY ISSUE WITH EQUIFAX IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE AN INQUIRY FOR " FACTUAL DATA '', NOR IS IT REPORTING ANY OPEN ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO IDENTITY THEFT FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T EQUIFAX REMOVED THEM?
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received alerts from the credit bureaus about new hard inquiries that I did not authorize. I contacted the creditors and was unsuccessful in trying to find out any information. I tried contacting each credit bureau and was unsuccessful in reaching a live agent. I am trying to be proactive in catching activity on my credit file before any real damage is done.
Consumer complaint received 2021-07-20
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: Regional Management Corporation (TX)

I have asked that the debt be validated by Regional Finance and verified by the credit bureaus -XXXX XXXX XXXX and XXXX. I've sent a request to remove this inaccurate information on four different days. On XXXX, XX/XX/2021, I sent letters via certified mail. XXXX XXXX and XXXX still have not removed this inaccurate information from my credit file. Regional Finance has sent me a letter stating they sold this account to XXXX XXXX XXXX and all ownership rights belong to them. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ), I have the right to request validation of the debt that Regional Finance says I owe them. Therefore, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Also, in compliance of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if Regional Finance can not validate because they sold the referenced account with disputed information, then Regional Finance is reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Consumer complaint received 2022-04-11
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: HCFS Healthcare Financial Services of TeamHealth (FL)

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

15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not. furnish an account without my written instructions.

15 u.s.c. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of complaint jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (TX)

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
Consumer complaint received 2022-06-21
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft XXXX XXXX XXXX Account Number : XXXX you are violating my rights on reporting an inaccurate report please update this to paid as agreed 2. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverified/no data information XXXX XXXX XXXX  DELAWARE Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer XXXX XXXX sent CAPITAL ONE a cease and desist on XX/XX/2021. I am the consumer and I'm not obligated to pay ANY debt under the FDCPA ( Fair Debt Collection Practices Act ) 15 usc 1692a ( 3 ). CAPITAL ONE ignored my cease and desist and continued to contact me through several mediums violating my federally protected consumer rights. CAPITAL ONE has failed to validate any debt under 15 usc 1692g. CAPITAL ONE continues to harass, oppress and abuse me as the consumer. This debt is already paid. CAPITAL ONE sends statements that are false and misleading in a positive balance and ask for payment on a positive balance. CAPITAL ONE is causing me to be sick and causing financial hardship by reporting false information to the credit reporting agencies without my permission. This is identity theft. I demand that the harassment stops, this is violating my rights. 15 usc 1692d ( 2 ), they must not harass me as the consumer. CAPITAL ONE closed my account of extension of credit. This is illegal, they can't close an account when I extended them credit under the provisions of 15 usc 1691.
Consumer complaint received 2022-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

I was charged by a company called XXXX XXXX that I did not approve on XX/XX/2022. I called Capital one on XX/XX/XXXX to dispute this transaction and was told it could take up to 10 days to receive my money back. I called back on XX/XX/2022 to resolve this issue because they haven't reimbursed my account and they said that I didn't have a fraud dispute on their records but I informed them I received a email about my call on XX/XX/2022 so I did talk with as I have proof with the email ( I spoke with XXXX XXXX XXXX ) he then said I had to talk to another person who was named XXXX. This process took over 35 minutes and Capital one has not been helpful.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021, I logged into my XXXX account at United Airlines and opened a link at their site to apply for a new United XXXX XXXX Personal credit card. The credit card I chose was the United XXXX Card offering XXXX XXXX miles after {$2000.00} on purchases in the first 3 months. I was approved for this card, received the credit card on XX/XX/2021 and completed {$2000.00} purchases on XX/XX/2021. I paid the statement balance {$2000.00} in full on XXXX XXXX. 
On XX/XX/2021 I called XXXX United Customer Service and spoke with a person named XXXX and asked why I had not received my XXXX United miles. She told me that I had made a mistake and did not apply for the correct credit card, She said I applied for XXXX miles after spending {$3000.00} in the first 3 months. At no time was I informed that I had received a different card than what I had applied for. 
I received a letter dated XX/XX/2021 from Chase Cardmember Service again stating that I had applied for the XXXX miles, {$3000.00} in the first 3 months and that I failed to spend the {$3000.00} first 3 months and there was nothing they could do. 
On XXXX XXXX I received a call from a lady named XXXX who said she worked for Chase and they would be in touch regarding my request to giving me the XXXX miles. 
On XX/XX/2021, I again wrote a letter to Chase Cardmember Service stating that as of this date I have not received any reply from Chase and would they please contact me to solve this problem. 
When my XXXX XXXX United credit card statement arrived I noticed that they had posted XXXX Enrollment Bonus miles to my account. 
As of today, XX/XX/2021 I have never had any contact from Chase, nor have I received the XXXX miles as per their credit card offer that I applied for,
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have furnished TransUnion with my identification documents : XXXX birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

My mortgage is with Citizens One. I submitted a loan modification application in XX/XX/XXXX. I was initially advised to allow 45-60 business days for processing. I called each month to check the status of my application. Each time I was advised that my request was still pending review/decision with an underwriter. However, today ( XX/XX/XXXX ), I called Citizens and was advised by my lender that I was denied on XX/XX/XXXX. To date I have not received any written correspondence regarding this, nor has anyone contacted me to inform me of this status change for my application. I was told to reapply and see what other options are available. I feel so uneasy about this because I was not aware for over a month that I was denied. Had I known this sooner, I would have been exploring other options for my home. I am resubmitting another application today, hoping that my lender does not repeat this lack of communication issue with me again. I'm doing everything within my power to be positive about this and I'm really relying on my faith in God to help my family and I keep our home. I'd also like to go on record and advise that I called on XX/XX/XXXX and scheduled a payment with an agent. That representative used the wrong payment method & account number when she completed my request. 

On XX/XX/XXXX, a manager with Citizens One named XXXX confirmed that she listened to the call and there was an error on behalf of the agent. In turn, this caused my bank to charge me two insufficient funds fees. I was told that the fees would be refunded but they never were.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021 CAPITAL ONE violated my consumer rights as listed below CAPITAL ONE sent a letter stating I owe a balance. According to 15 USC 1692c ( a ) without my prior consent as the consumer giving directly to a debt collector they may not communicate with me in connection with any debt CAPITAL ONE continues to call my telephone repeatedly and continuously on a daily basis to annoy, abuse, and harass me on many occasions. According to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
CAPITAL ONE sent a letter that I owe a balance. According to 15 USC 1692a ( 6 ) debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose with collection of debt correspondence from CAPITAL ONE had a symbol on the contents that indicates that they are a debt collector and are in the debt collection business. According to 15 USC 1692b ( 5 ) See attached for All of the violations. 
I've sent CAPITAL ONE a cease and desist alone with an affidavit.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (TN)

A collection agency Harvard Collections based out of XXXX, IL placed two separate reports to my credit for the same debt in XX/XX/XXXX and again XX/XX/XXXX. I have never been contacted via phone, or mail in regards to any debts. When I contact Harvard they could provide zero I formation but it was a debt from XXXX. I contacted XXXX  XXXX  number provided from Harvard Collections and was told it was an overpayment from XXXX in the state of Illinois. I have not lived in Illinois since XXXX. They have no record of ever speaking with me and could not verify any other information. They confirmed they have never received any payments towards the debt from me but from state tax returns in XXXX & XXXX. Since, then there has been no other contact on this debt until it appeared on my credit 21 years later without warning. Not only was it reported it was done twice causing me great economic hardship as my daughter is preparing to return to school this fall and this hurt my abilities to co-sign her lease. I do not owe this debt and have zero knowledge. How can a company put a 21 year old debt on your credit without reasonable attempts to resolve? What is the statute of limitations? These people basically are saying they waited over 10 years to report the debt. I had to write the headquarters of XXXX in XXXX, IL for details as Harvard or XXXX XXXX  could provide any details just the date of debt and the amount. I do not owe this and needs to be removed from my credit reports ASAP. I also want Harvard Collection and XXXX collections tactics reviewed as this is wrong.