davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was added to a Capital One Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling Capital One several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with Capital One with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, XXXX, and XXXX  and it is inaccurate. I do not have the credit card number.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I have had a long banking relationaship with Citibank that includes a Checking, Savings and several credit card accounts. 

When I applied for a Citi Wealth Management I discovered that Citibank has my citizenship information recorded incorrectly. I am a XXXX XXXX who is a Permanent resident. Although Citibank has copies of my passport, they have me recorded as a XXXX XXXX. Citi Wealth asked me to contact the banking arm of Citibank to have this corrected in their records since they use the same identification database. 

On XX/XX/2023 I contacted the Citibank customer service line to request this correction be made. However, I was told by a CSR, and then by a supervisor, that they are unable to make such a change. Particularly : 1 ) I had to wade through a multitude of prompts and holds since none of the options on their phone menus were about updating or correcting account information. After about 10 minutes of holds and transfers I got connected with a CSR.

2 ) The CSR could not understand the difference between a resident and a citizen. After consulting his manager, he wanted to send me a W8 from to fill out. I pointed out that W8 is for non-residents, and that for US persons a W9 is used. He offered to send me a W9. I pointed out that they already have a W9. He confirmed. However, he was still unable ( or unwilling ) to make the correction. I asked to speak with a supervisor. 

3 ) A supervisor ( name given was XXXX, ID # XXXX ) came on the line and after I explained the situation he informed me that what I am asking is " not possible '' and that I would need to take my " XXXX '' passport to a branch. After explaining to him again that I am a XXXX XXXX who is a permanent resident of the XXXX, he claimed that my status as a " XXXX  '' in their system is correct and that there is nothing they can do about it. He claimed that making a change would amount to " lying ''. 
After about 5 minutes of arguing, I asked to be transferred to another perosn. He said his manager " XXXX '' is busy and will give me a call back soon. When I asked about how to report a feedback or lodge a complaint of this customer service experience, he said I need to write a letter. have it signed and notarized, then send it via registered mail to Citibank. Clearly making it onerous for me to report my dissatisfaction. After hanging up, I waited for 24 hours but never received a call back from " XXXX ''. 

The issue is still unresolved. Citibank is basically violating IRS rules by maintaining false data and refusing to correct the information in their system and their employees have no training to understand or apply these rules.
Consumer complaint received 2023-06-03
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

I opened a secured credit card account with Wells Fargo in XX/XX/2009. I was told that my account would be periodically reviewed and that if my account history was good for one year, my secured account would be graduated to an unsecured account, and my {$1000.00} secured deposit would be returned to me. I have had a good credit history with them since the account was opened, with the exception of the events described below, but my account remains secured and Wells Fargo still has my money. I have never had a problem qualifying for credit since XX/XX/2009, but I think Wells Fargo will never graduate my account. I do not want to simply close the account, because in doing so, I will be closing my oldest credit account, which will adversely impact my credit score. I would like my money back, however, and for Wells Fargo to honor our agreement. 

I have tried contacting Wells Fargo about my graduation status, but apparently the review procedure for secured accounts is a secretive and/or completely randomized process that nobody in the entire company understands or can disclose. I have been contacting them for at least three years trying to make some headway, but I haven't been able to make any progress. 

I also think this may be retaliatory in nature. When I opened the account, the teller who assisted me was uninformed and created a situation. He took my secured deposit, opened a savings account with the deposit, and set up my credit card for autopay from the savings account. I expressed my concern that I didn't think I could use the security to pay the monthly statement, but he assured me that I could. Two to three months later, my card was declined, and I followed up with the branch, discovering that my card had been shut off for failure to make a payment. It was then that I discovered that I had been correct about the security deposit, as Wells Fargo had withdrawn the entirety of the deposit shortly after the account was opened, and the automatic payments were being drawn from an empty account. I was upset with the branch, demanded that they refund the overdraft fees and close the savings account, which they obliged. Because I closed their account, I think they are refusing to graduate my credit card and refund my secured deposit.
Consumer complaint received 2018-12-10
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. (GA)

I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with TRANSUNION, XXXX  & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.
Consumer complaint received 2018-08-20
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. (CA)

XXXX has been non-compliant with removing the unverified account CITIMORTGAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITIMORTGAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-20
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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (WI)

I filed a complaint with General Motors about incorrect information on my credit report ie. They said I owed them {$170.00} which was supposed to be late fees the problem was that these late fees they spoke of was already paid because I was in the process of starting a new contract with them to pay off automobile because time had expired on old original loan with them in order to start new contract I had to first pay off old late fees which I did, I filed a complaint with XXXX  and XXXX  about this XXXX  corrected it with no errors then I filed a complaint with the consumer protection company about G.M still reporting I owed them {$170.00} which I thought they had resolved now my XXXX  credit reports G.M list my account as a chargedoff/ paid account .which is in fact wrong my account was never listed as charged off in fact I have evidence that it was listed as open even though that in itself was incorrect, my initial complaint was about the {$170.00} which I didnt owe because it was paid before I could enter new contract I contacted G.M and they said they could see it was paid off in XX/XX/XXXX before I entered new agreement that being so then how is it listed as a charge off? Im submitting copies that show my account even though it was incorrect was still listed as open and also where they added a comment about my reaffirmation of debt in XX/XX/XXXX even though there was none at that date, that comment was already listed in XX/XX/XXXX during a bankruptcy.. as you can see my credit account say open also it says there was no balance to payoff after XX/XX/XXXX which was my last payment. So wheres this comment about charge off / paid coming from there was no balance left they were paid in full, I just submitted an answer to in regards to how I felt G.M handled my complaint this was done prior to the new changes on my XXXX  report which appeared today XX/XX/XXXX I was under the assumption ( All ) mistakes were resolved as you can see they were not
Consumer complaint received 2018-08-20
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. (GA)

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and Transunion. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I was added to a XXXX XXXX Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling XXXX XXXX several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with XXXX XXXX with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, Equifax, and XXXX  and it is inaccurate. I do not have the credit card number.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on Experian since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2018-08-20
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. (WI)

An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.
Consumer complaint received 2018-12-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (MN)

I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

Home Depot closed my credit card in XX/XX/XXXX due to inactivity. I did not receive any notification of this closing. I contacted Home Depot to reactivate my card and now they are unable to do so. I feel this is very unfair as I have no late payments or negative history with them. Please make sure you keep you card active or they will just close you down and offer no further solutions.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both Equifax and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2018-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/2018 and XX/XX/2018 but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Consumer complaint received 2018-08-20
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: DISCOVER BANK (TX)

XXXX XXXX refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also Discover has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.