davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I HAVE BEEN A CITI CARD HOLDER SINCE XXXX. I PURCHASED THE CREDIT PROTECTOR FOR THIS ACCOUNT ALSO IN XXXX. I FILED A XXXX CLAIM XX/XX/XXXX. WHEN I FILED THE CLAIM MY STATEMENT BALANCE WAS {$9400.00}. ACCORDING TO CITI & CITI PAYMENT SAFEGUARD PROGRAM PAYMENTS WERE MADE TOTALING {$5100.00} FOR 24 MONTHS. AT THE END OF THE 24 MONTHS THE PROGRAM IS SUPPOSE TO CREDIT THE ENTIRE BALANCE IN FULL WHICH ACCORDING TO THEM IT WAS {$4300.00}. IF YOU ADD THOSE TWO TOGETHER, THEY DO EQUAL WHAT MY STATEMENT BALANCE WAS {$9400.00}. I RECEIVED A STATEMENT FROM CITI XX/XX/XXXX STATING I STILL OWED A BALANCE OF {$2400.00}. ACCORDING TO CITI PAYMENT SAFEGUARD PROGRAM MY STATEMENT BALANCE DATED XX/XX/XXXX WAS {$4300.00} AND THAT'S WHAT THEY PAID. THIS WAS NOT TRUE. A REPRESENTATIVE TOLD ME MY BALANCE ON XX/XX/XXXX WAS {$6900.00}. I'VE REACHED OUT TO BOTH COMPANIES AND THEY CAN'T GIVE ME AN ANSWER AS TO WHERE THIS EXTRA {$2400.00} CAME FROM OR WHY IT WASN'T PAID IN FULL. BOTH COMPANIES BLAME THE OTHER. MY HUSBAND AND I AFTER YEARS HAVE JUST FINALLY GOTTEN OUR CREDIT IN GOOD STANDINGS BECAUSE OF HIS ILLNESS IN XX/XX/XXXX AND NOW IT'S GOING TO BE RUIN AGAIN. I DON'T FEEL I SHOULD HAVE TO PAY THEM BECAUSE I PAID DEARLY FOR ALL THOSE YEARS FOR THIS PROGRAM.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WA)

Actually, I was having a good credit score last month but I saw a drastic drop in my credit score this month. Earlier I was just neglecting this impact but now when I saw my credit score in XXXX XXXX, I tried to find out the cause of this drop. I saw there were some hard copy inquiries put by some company on my credit score without my permission. 

Can you please help me in removing these companies from my record?
Consumer complaint received 2018-12-02
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. (TN)

The bureaus are allowing fraudulent accounts to remain on my report in spite of me filing complaints with he FTC and submitting a police report of identity theft. They are allowing negligent enablement of identity theft and violating multiple FCRA laws.
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I am on XXXX XXXX, my mother 's Santander Checking account to help her manage her finances. I opened my mail Thursday and read a letter dated XXXX from XXXX , her utility company, that said her bank account was frozen and payment had been returned. 

I went online and saw beginning XXXX XXXX that checks I've arranged to have automatic payment had a note " Forced check payment ''. 

I called the bank and was told that a man had called in XX/XX/XXXX asking questions about my mother 's account, so they froze the account. I appreciate the fraud department taking action to protect my mother 's finances. 

My concern is we were not notified that the account was frozen. No one called my mother or sent a letter explaining this. The person I spoke with in the fraud department said the bank does not inform the customer. It is the customer 's responsibility to call the bank. 

I asked her to check this policy since it does not make sense to me that someone would call their bank if they do not even know their account has been frozen or there was a fraud alert. I pointed out that credit card companies always inform you - why wouldn't the bank? 

Now I'm told I need to bring my XXXX year-old mother to the bank to open a new account and I need to contact at least 10 different providers that I have arranged to be on automatic payment to transfer to this new account. 

My frustration is that we were not notified of the fraud alert and that the account was frozen. 

I hope you can encourage the bank to contact customers whose accounts have been jeopardized by mail. 

Thank you for your support, XXXX XXXX on behalf of XXXX XXXX
Consumer complaint received 2021-01-25
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)

There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX XXXX charge {$120.00} XX/XX/XXXX XXXX  {$15.00} Other charges that my bank made me aware of equaling {$170.00} Spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX stated that I would have the funds in a few days. I filed the paperwork on XX/XX/2018, Fraud Department is unable to reach me. But is unable to as because of my funds being negative I was unable to pay my cell phone bill.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.
Consumer complaint received 2018-04-04
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)

XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XX/XX/XXXX I had to cancel my XXXX XXXX XXXX Credit Card because this company started charging late fees, stating that I had not paid my payment on time, however, I had always paid this bill on the same time period since I had the card since XXXX, then I had to start paying card by sending certified mail. This did not end charges, so I discontinued my card. I did send letter of complaint to company regarding these mistakes, and they did refund my late charges. Now, however, on my XX/XX/XXXX statement they raised my interest rate from 11.99 % to 12.24 % with no prior warning, so I missed this increase on this statement. On my XX/XX/XXXX statement I caught the interest rate increase. Called XXXX  XXXX XXXX XXXX and spoke to customer rep who stated that they were allowed to increase my interest rate. I told rep I thought this may be illegal, as I could not understand how interest rate could be charged at different amount than what you paid at time you purchased the item in the past. This card is closed, and I have not used this card since XXXX. I am paying this card off and have never missed any payments on this card. Should my interest rate still be 11.99 %?
Consumer complaint received 2018-12-02
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. (NY)

To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX XXXX also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-12-01
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 (CT)

My CapitalOne XXXX XXXX charged me for a transaction I disputed and paid using another payment method, even after several attempts to explain and document share using secured link and through Mail and several Calls. 

Now they started charging me Late Agee for the same, for that transaction which I categorically denied and disunited. 

Please kindly help, its a huge amount of - XXXX $ I can provide all other documentation I shared with CapitalOne besides the uploaded documents as required. 
Thanks & Regards XXXX XXXX XXXX
Consumer complaint received 2018-04-04
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. (AL)

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXXthat are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by Target in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Consumer complaint received 2022-06-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EDFINANCIAL XXXX Balance {$0.00} EDFINANCIAL XXXX Balance {$0.00}
Consumer complaint received 2018-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have 2 loans through Navient ( aka Sallie Mae ) both within a 6 month span, for nearly 5x the tuition they charge back in XX/XX/XXXX. They are private but the issue is I was the 'Original ' signor and have the paperwork to show that. But after year, they claimed my 'dad as the signor and not only that the student ' he was at XXXX and in his XXXX 's. Now come full circle to 2 months ago I am out of work, my parents both retired and well they got nasty with all of us as it was time to re-up the pay as you can go program ( been doing it for 3 years ) was told that program doesn't exist and your lucky to be even in it hasn't existed for 2 years? Yet have been in it for last 2 years. The other end saying you make way more than your claiming and we must talk to the 'signor ' which i haven't been for 12 years but all of a sudden I am. Not only did my parents income drop, but now they are claiming I am the signor but since the loan was taken out on the original papers returned I am not, I demanded that paper work and they won't comply whatsoever and was hung up on when asked. In the past for bad and miss use a layer of Navient out of XXXX contacted me and removed 2500.00 plus off the balance. But now they are just coming for the throat, loss of income, not working yet they want 300.00 plus more a month by telling me a program that does exist and shows on their website today at this current minute 'does n't exist and sorry ' Not only that we as ending the last program as they claim as 'gone ' was told XXXX XXXX, XXXX payment XXXX, now they are saying 2 months behind for XXXX as charging late fees and service fees and what not.
Consumer complaint received 2018-12-01
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. (CA)

The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.
Consumer complaint received 2018-12-02
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: CAVALRY INVESTMENTS, LLC (GA)

On or about XX/XX/XXXX I sent validation of debt requests to Calvary PortfolioServices ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. Calvary, XXXX and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. Calvary, XXXX and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Consumer complaint received 2018-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. Capital One needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

XXXX - XXXX. 

I sent {$180.00} and paid {$15.00} for a one business day and the money wasnt delivered as promised and it did not get to the receiver until today.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-04
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2018-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MA)

This is not my account and I don't understand why the Diversified Consultants collection agency keeps adding it to my credit report every 6 months. 

On XX/XX/2018, a false debt of {$480.00} was reported to XXXX  and XXXX. This false debt has an account name of " XXXX XXXX '', with an account number of " XXXX '' and open date of " XX/XX/2018 ''. 

XX/XX/2018, a false account shows a date opened of XX/XX/2018, with an account name of " XXXX '' and an account number of " XXXX ''. XX/XX/2018, I disputed this with XXXX  and XXXX, and the credit bureaus deleted this false information from my credit report. 

In XX/XX/2018, I contacted the Diversified Consultants collection company in regards to this false account. I spoke with a representative who had no information other than my partial first name and my full last name. The representative kept asking for my social security number, my date of birth and my mailing address. I did not give any of this information. I asked the representative to give me some information in regards to this false debt, the representative said they would not give me information until I gave them my social security number, my date of birth and my mailing address. 

I do have a work phone that uses XXXX XXXX XXXX XXXX. I am concerned that this false debt may have picked up my name from that account. I have not received any statements nor information in the mail in regards to this false account.