davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Auto Advantage Finance, LLC (OK)

I'm trying to get my payments reported I checked all credit reports it's been 90 days since I made my first payment I contacted XXXX XXXX XXXX XXXX to see how to report it they directed me to credit bureau and said to summit a dispute the only issue is you can't dispute something that is not on your credit report I want this issue resolved immediately I was lied too and the only reason I bought a vehicle is to help build credit can't do that with no reporting
Consumer complaint received 2024-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened both a joint checking and joint savings account at Citi bank back in XXXX of this year in the XXXX, CA Branch. It was a joint account with myself and my XXXX old daughter. The Citi bank agent who helped me open that account is named XXXX, when I opened that joint checking he mentioned that I need to XXXX or direct deposit {$250.00} into my Citi checking every month and maintain a {$5000.00} balance in the savings. I transferred the {$5000.00} to the savings from my online XXXX XXXX XXXX account and I XXXX  {$250.00} from my XXXX XXXX account. 

As soon as I funded these accounts, I get a letter a week later stating that both my accounts at Citi are closed. I called and they said it was due to fraud and to wait 60 days for a check to come in the mail for return of my funds ( {$5000.00} + {$250.00} ). 

On XX/XX/year>, about XXXX months after the closure of my account. My funds have still not been returned to me. I went back to the XXXX, CA Citibank branch in person today to see a banker. The bankers name is XXXX XXXX. He helped me call Citi fraud and they told him that I need to go to both XXXX XXXX XXXX and XXXX XXXX to have them retrieve the funds back from Citi by sending a Hold Harmless form. XXXX and XXXX XXXX mentioned that they cant do this because there was no fraud. I initiated those transfers and it was legitimate. 

Citi bank closed my accounts and is holding onto my funds.
Consumer complaint received 2023-01-29
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. (GA)

On XXXX XXXX XXXX reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXX XXXX my balance has decreased but that information was not captured due to reason # 2 2. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to Equifax. They reported the same inaccurate information that they just had updated with XXXX. This caused my Equifax score to take a deep dive of XXXX points.
Consumer complaint received 2021-02-24
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. (CA)

I have tried multiple times to dispute this collection put on my credit report to no avail. 
I sent out a request for validation months ago and no one got back to me, I received no response from XXXX XXXX XXXX or Experian showing proof or validation of this debt. Yet Experian said its valid and still reporting to credit report. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2018-10-10
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. (AZ)

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are fraudulent and unauthorized transactions listed on my account that arent mine, and dont belong to me.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (CA)

I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AZ)

I closed down my XXXX internet account in XXXX of XXXX. At the time of closing I was told my account was paid up and it would cancel on the specified date. However, after cancelling there was one more bill of approximately {$60.00} that I was not made aware of at the time of closing and therefore missed the payment. It wasnt until pulling my credit report in XX/XX/XXXX that I saw there had been a collection made on my account due to the missed payment of {$60.00}. I immediately called XXXX to understand the situation and they told me by making the payment right then the derogatory mark on my credit report would be removed by the third party debt collector, Radius Global. After settling the debt with XXXX  I called Radius and they informed me the first time that they could not remove the late pay from my credit report and that it would need to be XXXX. I spoke with XXXX billing, collections, customer support, technical support, and their XXXX mailbox, all of which advised that since the collection went to a third party the 3rd party would have to remove the mark and they said we would remove it but can not since its been transferred to a 3rd party. When I called Radius back they told me they will not without written authorization from XXXX, due to high up executives at XXXX prohibiting this. I then called XXXX back again and the representative I spoke with in Collections said in her 18 years she has never heard of this happening and that the 3rd party can and should remove the mark from my credit history - there is no high up executive policy that prohibits it. The rep escalated the issue to her manager, and her manager spoke with her superior and all confirmed what the Collections rep told me, that the 3rd party can and should remove it from my credit history. 

Each time I contact either XXXX or Radius they continue to push me back to the other and say its their problem. XXXX says they would remove the mark if they could buy since its with a 3rd party they can do nothing. Whereas Radius says they would remove the mark if XXXX gives them written permission. However this debt has been settled and and neither are willing to help with the situation.
Consumer complaint received 2023-02-13
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: SYNCHRONY FINANCIAL (NM)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681section 604 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX  XX/XX/2016
Consumer complaint received 2022-06-23
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 XXXX Account # XXXX, has violated my rights.

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
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2010 I entered into a loan modification program with Wells Fargo. All payments were made complete and on time. In XXXX we decided to sell the home and use the proceeds to pay off the loan. After selling the home, and while in contract to purchase a new home, Wells Fargo incorrectly reported to the credit bureaus that I was 90 days late on my payments. 

Wells Fargo 's excuse was that the modification payments were not applied correctly, and due to the lowered payment amount, caused the loan to fall behind. The bank was taking the payments and applying the amount to the previous month, even though the amount paid was the new amount per the modification agreement. This caused weeks of headaches, hours spent on the phone with Wells Fargo just trying to reach someone who could make sense of the situation, days missed of hours, and unimaginable stress.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the XXXX that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX
Consumer complaint received 2021-02-24
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. (CA)

A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/26 I paid the current balance ( not the statement balance ) on my card. Paid current balance then was charged finance charge on XXXX balance XXXX weeks later. Stating that the current balance is not the actual balance even after paying off and showing a XXXX balance. I received no phone notifications that my account was 30 days late let alone 60 days. I went to pay off the balance of XXXX and called customer service only to be told you can not pick the current balance but the payoff balance but when you try it is not even available and that the actual payoff would be XXXX cents more. Did another payment to include the XXXX cents. Totally XXXX. Gave me address to dispute community bank XXXX XXXX XXXX XXXX Ohio XXXX. When asked she said on XX/XX/XXXX someone called but no message left the. Said she wasnt sure if they contacted me at all maybe just statements in the mail. How can they charge n XXXX then apply min interest fees etc without notification that your account is past due? No emails calls nothing.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been over 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

XX/XX/XXXX SLS appeared on my credit report, I have never heard of this company. This Is account is falsely being reported to the credit agencies. This foreclosure happened in XX/XX/XXXX. There was a zero balance was left with XXXX XXXX, the home collapsed and doesn't exist anymore. I received no documentation regarding any outstanding balance in XXXX XXXX years. I have never received any debt validation letters from SLS. This company is in violation of the FDCPA and FCRA.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery called and hung up. This debt was written off by the initial company and was removed from my credit report yet they keep trying to collect it. When you do talk to them they are rude and tell you still owe. These calls are always coming from a different number.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-12
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: CITIBANK, N.A. (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-14
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)

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. -- -XXXX XXXX account numberXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years 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 tht the information is inaccurate
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I made a mistake when trying to close my Citi savings account ( which I was doing because of poor service ) and instead of moving the small balance from my Citi savings account to my other savings account, I inadvertently transferred a small amount of cash from my credit card to my savings account. 

When I logged in days later to finish closing my account ( which took several phone calls itself and lots of time wasted on the phone ), I realized what I did. I immediately transferred more than the amount back, and called Citi to explain. Citi waived the {$10.00} fee but has charged me nominal amounts of interest each month despite me paying my credit card in full each month. 

I called just now to have the cash advance feature, which I never requested and do not want, removed and the less than {$2.00} in interest waived. XXXX, operator XXXX, refused. I closed my card, which Ive had for years and from which I have to imagine Citi has made lots of money over the years.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, Experian and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and Experian, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.