davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (NY)

Citibank Savings and Checking fees of nearly XXXX dollars I want back. 
Hi, I had a withdrawal problem with another bank where I was quickly forced to move my funds from Citi Checking to Citi Savings. Citi Checking originally provided a " bank credit '' on those fees and then after a few days later pulled a quick one and charge the same fees on my Citi Savings account. 

I like my fees returned. They keep creating opportunities to assess high fees that were not really disclosed clearly. I really don't like their products and services and told all my business friends to tell their other business friends to just remove their funds from Citibank and I will continue to promote Citibank avoidance on social media if they don't stop these fees and return actual fees of nearly XXXX dollars back to me. 

Thx.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on this matter.
Consumer complaint received 2020-10-24
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. (NC)

My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-15
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. (KY)

Experian has investigated the account XXXX XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/2022, asking for verification of method of investigation. Experian has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. Please advise XXXX and XXXX have removed the item as it is incorrect and Experian is the only agency that has not. I am disgruntled and demand Experian to remove/delete the account reporting to XXXX XXXX XXXX XXXX is in violation with FCRA. 

Thank you,
Consumer complaint received 2020-10-24
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: EQUIFAX, INC. (OK)

From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? XXXX has the worst customer support and seems to me unfair credit reporting
Consumer complaint received 2020-10-24
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: DISCOVER BANK (IL)

I bought a pan from XXXX, and they sent four boxes I did not order. I returned all the boxes to XXXX and they credited my account. But Discover card sent bills from XX/XX/XXXX until today. The last bill dated XX/XX/XXXX is asking to pay XXXX
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (SC)

This account was closed in XXXX of XXXX. 
When I bought the car in XXXX of XXXX the wells Fargo Bank lied about making the first payment. 

It was a nightmare making payments Now they are reopening the account to Further damage my credit. Posting late Payments on a closed account that is older than six years. 

On my credit report this account is closed.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Siggi LLC (NC)

Omni Financial : XX/XX/XXXX ( {$0.00} ) Omni Financial : XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( {$21000.00} ) Local Government EMP : XX/XX/XXXX ( {$8300.00} ) I have sent letters to all bureaus about removing fraudulent and closed accounts and hard inquiries affecting my credit score. I also disputed multiple of wrong address and phone numbers as well. I need these accounts removed to improve my financial situation.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2022-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

In XX/XX/XXXX, a lump sum payment by the Department of Defense ( DoD ) was made to FedLoan Servicing in the amount of {$31000.00}. As stated on studentaid.gov ( https : //studentaid.govXXXX ) the DoD lump payment exceeded what would have been received over a 12-month period, which would result in 12 payments counted towards the required 120 Public Service Loan Forgiveness ( PSLF ) payments. Since XXXX I have repeatedly tried to get this matter resolved with only a partial number of those payments reflected. To date, only XX/XX/XXXX through XX/XX/XXXX have been counted, while XX/XX/XXXX through XX/XX/XXXX have not counted. 
Following numerous phone calls and escalated case requests, I have come to learn on XXXX XX/XX/XXXX, that the reason XX/XX/XXXX XX/XX/XXXX were not counted was due to the fact that a rule ( not described to me at any point ) is in place where my income recertification month of XXXX negated the remaining DoD Lump sum payments to be counted. I have scoured the Code of Federal regulations, made close to a hundred phone calls to FedLoan Servicing, and reviewed all aspects related to the DoD lump sum payment over the last three years without a single note or rule stating the aforementioned rule. Not a single FedLoan representative mentioned this extremely important rule in the last three years. More importantly, as an XXXX XXXX servicemember, I am not in control or have any ability to influence when the DoD lump sum payment is disbursed towards my student loans. Without any control over those matters, it would seem unfair and dishonest to accept all {$31000.00} by FedLoan Servicing only to curtail the full number of payments that should be counted. 
I have consistently received misinformation and improper guidance from FedLoan servicing over the last three years pertaining this matter and many others for which I will not get into. No phone call is ever the same because the guidance and rules regarding this program has been poorly understood by the service representatives. I am looking for someone to help.
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. (CA)

I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and Experian obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On or around XX/XX/XXXX I applied for a credit limit increase of my XXXX dollar credit card. Capital one denied my request for a limit increase. Currently they are still sending me preapproval letters and emails for up to XXXX for a new car. This seems very odd that I could afford a new car for XXXX and somehow cant afford a new credit card limit that probably would have have only been XXXX dollars. 15 US code 1691 states it is illegal to be denied credit. Adverse actions are illegal. It is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits any creditor from using a prohibited basis in any system of evaluating the creditworthiness of applicants, except as permitted by the act and part 1002. What they are doing is unlawful and they must be fined at least at a minimum XXXX dollars for these unlawful acts they are committing. Thank you.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (IN)

Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (OH)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Experian has not provided me with proof of the follow collection accounts : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XX/XX/2020 Account Info Tap labels for more details 2. XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX  {$100.00} 3.XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$540.00} Balance updated XX/XX/2020 4.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$440.00} Balance updated XX/XX/2020 I have contacted them on several occasions via telephone and via written notices 3 times. All of the above accounts listed has been removed from XXXX and XXXX   and my credit reports has been updated. This is hindering my on going home purchasing process for me and my family. This has been a very stressful process with Experian and I don't know what else to do at this point.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against transunion, XX/XX/XXXXand XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and transunion just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Student aid. Gov has incorrectly stated my loans were in administrative Forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As I reviewed my previously private loans with XXXX. I have attached the confirmation from XXXX. Payments were made XX/XX/XXXX for {$49.00}, XX/XX/XXXX for {$49.00}. Another administrative Forbearance was placed on Student Aid.gov incorrectly for XXXX. The months listed are XXXX and XX/XX/XXXX. Payments were made on XX/XX/XXXX for {$48.00} and XX/XX/XXXX for {$48.00}
Consumer complaint received 2021-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MO)

My previous complaint on paypal yesterday regarding the limitations on my account has been taken care of by paypal after they received the complaint from your office. HOWEVER they have not released my XXXX stimulus that was deposited into that account on XX/XX/XXXX. 2021. When I ask all of a sudden my account shut down and I could not log in and it would not Allow me to take screenshots of the page. 
Now paypal said last week on a phone call that all stimulus deposits was received and deposited to all accounts. However but mine is not there at all period. 
Again. They will not answer me back and I have messaged and emailed several times. 
I really need my money. And it is illegal for PayPal hold or hide it. 
Please help one more time. thank you all so very much XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-07-28
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

Hello, this credit report companies insist they wont check my credit and still do and thats that biggest issue Im having now with multiple companies and its damaging my credit horribly I really need this problem resolved and a good friend told me about you all and I hope to get some answers on what can be done.