davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-24
Product: Credit 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. (IL)

On XX/XX/XXXX, two men came to my door claiming to represent a charity asking for donations for magazine subscriptions to help poor and underprivileged children. I agreed to make a donation of {$54.00}, and used my Best Buy Citi Visa Credit Card. I was emailed a receipt for {$54.00} ( see XXXX  XXXX ). 

A few days later, I noticed the charge of {$2200.00} in my account which I did not authorize. The charge was the same day as the {$54.00} charge, which strangely did not appear on my statement, and I did not use this card anywhere else. Thinking this must be an accidental overcharge, I instigated a dispute online with Best Buy Credit Services ( BBCS ) where I uploaded my receipt showing {$54.00}. The receipt for {$54.00} had no contact information of the charity or merchant to first try to resolve with. 

On XX/XX/XXXX, I received a letter from BBCS crediting my account and stating, We now consider this matter resolved and have completed our investigation. ( See XXXX  XXXX ). 

However, on XX/XX/XXXX, I received another letter from BBCS saying I was responsible ( XXXX  XXXX ), and the documentation provided by BBCS was a receipt from a merchant located in Texas for {$2200.00} ( XXXX  XXXX. ) This receipt is completely different from the one I was provided for {$54.00}. A quick XXXX search of the address the receipt showed the address on the receipt as an apartment building, and not a seemingly legitimate business or charity. I attempted to call and email this merchant. Most went unanswered, but I did get a one sentence replay saying " We apologize for this '' with no indication that they are going to reverse the charge ( XXXX  XXXX. ) To date, they have not reversed the charge. 

I replied to BBCSs XX/XX/XXXX letter in writing via certified mail, trying to explain the situation and stating that I did not authorize this charge, and it is clear that this is a case of fraud. I made the additional step of filing a police report with my local police department. The case number is XXXX ( IL ) XXXX XXXX # XXXX. My letter was sent to BBCS on XX/XX/XXXX ( XXXX  XXXX ). 

BBCS replied on XX/XX/XXXXXXXX  saying I need to resolve this this the merchant, because they are unable to recover the funds ( XXXX  XXXX. ) On XX/XX/XXXX, I've sent another letter to BBCS ( XXXX  XXXX ) trying to explain that I did attempt to contact the merchant, but my call and emails are basically being ignored. I also requested again, as I did in the previous letter, that the {$2200.00} should be credited to my account as this clearly is a case of fraud and should be covered by Citi Visas fraud protection policy. This is also when I filed the complaint with the CFPB and hope you can assist me in this matter.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (CA)

In accordance with the fair Credit reporting Act XXXX Account # XXXX, Has violated my right. 

15 U.S.C 1681 section 602 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.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-16
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. (NC)

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report..Remove the late payments on XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (AL)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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. As a result, this account should be deleted. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681i ( 5 ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1681 ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Bank intentionally froze my account without my consent and against my explicit instructions not to due to pending refunds. Declined refunds from XXXX separate merchants. There is more than {$500.00} in refunds they are refusing to process. I go in to a bank and they say there in nothing they can do. They instruct me to call the number on the back of the card. When I call I get connected to someone to cant speak or understand XXXX. I repeatedly call the fraud number and they dont answer. Have spent XXXX hours without anyone answering. This bank needs to be shut down.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (CA)

I received a pre-approval letter with an acceptance code from XXXX Credit Card on XX/XX/2019 by mail. 
That same evening I decided to activate it, its a fairly simple process, I went to my desktop, logged onto their website, filled in the blank, including my Social security number, my employment, income, mortgage and pressed submit all to find out I was declined and a letter would be sent out explaining why. 
My big issue is, had it been a pre-qualify or an invitation letter, I would not have proceeded. 
This was a total gimmick to get additional information from me and I am very upset. 
Pre approval has my name on it, the amount I'm approved for, there is an acceptance code. 
The fine prints read " final approval is not guaranteed if you do not meet criteria, including proof of ability to repay. 
Well that criteria was not defined and I certainly have the ability to pay. 
I wish for XXXX Credit Card to stop such practices and I am seeking Class Action Law Firms who may be interested in such matters. 
According to the customers service I contacted, they get several such complaints every day.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not recognize these 5 inquiry accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian has been unresponsive to my requests, and I believe that submitting a complaint with the CFPB is the best course of action to resolve this issue.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full credit report.
Consumer complaint received 2023-06-26
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: PENTAGON FEDERAL CREDIT UNION (TX)

XXXX refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from PENTAGON FEDERAL CREDIT UNION because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.
Consumer complaint received 2023-06-26
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: SANTANDER HOLDINGS USA, INC. (OH)

On XXXX XXXX XXXX I contacted, again by phone, XXXX XXXX XXXX XXXX asking them to remove the collection they posted XXXX  to the credit reporting agencies. Told them I had been promised the debt would be removed and would be given a letter to solidify the payment made XXXX. After, the rep said there was nothing they could do and that it was the law to report. Then even after mentioning fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802 in brief, I was still lied to about the removal of the account. 
They have differing addresses and names... 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX The second company, Chrysler Capital, I called in on XXXX XXXX XXXX  about removing the late payments, ( which differ between the three credit reporting agencies ), that were reported for the year of XXXX. After explaining that I was told the late payments would be removed because a new contract was being made, ( because the old contract had expired, but notice wasn't given by any communication, yet I was still making payments until something odd online triggered me to call in ), I was informed that it was the law that they had to report it. And after speaking with a supervisor, explaining in brief fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802, that I was trying to resolve the issue by phone... I was meet with an " I'm sorry, there's nothing we can do ''.
Consumer complaint received 2023-06-28
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 (FL)

discover bank is false reporting utilization on my credit inaccuracies, I've never owed over my credit limit or went over my credit limit past {$100.00} this is wrong I've ask discover to fix multiple time and disputed and complain. my credit limit is {$6100.00} total account number : XXXX IN XXXX MY BALANCE WAS {$5900.00} AND MINIMUN Payment was {$110.00} which I payed. 

my account got high jacked and frauded so they used about {$700.00} on my account so after reporting and claim. my XXXX balance became {$6200.00} and minimum payment was {$120.00} which I payed. 

my account is on hold lock because of fraud claim so no additional usage til this day no new transaction XX/XX/2023 so how is my card over {$2000.00} my balance became {$8300.00} how when they frauded my account for {$700.00} which original put my account over {$90.00} only so I'm in the red {$90.00} and made 3 payments since so I should be in the green {$300.00} but I'm not I'm over {$1600.00} make no sense. 

someone please fix this its false and illegal
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc. (NC)

I contacted Optimum Outcomes Inc the week of XX/XX/XXXX to inquire about paying off an account from my cell. Before providing the collector with my information, I inquired about whether the account could be deleted if paid. She suggested that she would have to look at my account to determine if the original creditor allowed a deletion. Since she could not confirm to agree that it would be deleted, I did not provide her with any identifying information. I explained I was in the middle of a mortgage application process and did not want the phone call to cause them to re-age my account with the credit bureau causing negative impact to my credit score.

Through what appears to have been methods of skiptkace, she utilized my telephone number to trace my account. On XX/XX/XXXX, I received an alert from my credit monitoring servicing that the {$190.00} collection tradeline had been re-aged and dated as reported for XX/XX/XXXX. 

They updated the tradeline twice in the same day with XXXX causing negative impact to my score. 

On XX/XX/XXXX, they re-aged the tradeline for a third time, causing additional negative impact to my credit report. 

I tried to speak to supervisor several times about my account and representatives have been rude denying my request. They have hung up or disconnected the calls at my request.They are in violation of Fair Credit Reporting Act through unjustified aging of these accounts. I am afraid that someone is intentionally following through on aging all accounts. I have three separate accounts with them. The others have not yet been updated but I fear they will follow intermittently and redundantly as did the {$190.00} balance. I can pay but this needs to be deleted from my report forever due to the violation. 
Since I will be at further risk due to multiple accounts with their agency, it would only be fair to have them all deleted upon payment and immediately blocked from updates with the credit bureaus. 

I have attached the reports showing it having been re-aged and the XXXX report whereby it did not appear.
Consumer complaint received 2023-06-26
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-28
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. (CA)

I come to the CFPB portal to report my Credit Card Company is not willing to assist me properly and /or receiving contradictory information in 2 Disputes I filled with them against the same Merchant For 2 Charges One for {$1000.00} for Defective Service Repair I received from merchant, The Second Charge for {$650.00} 2 reasons, 1.- For not Authorized Credit Card Sales because the signature showing in the Credit Card Sales Receipt is not my signature. 2.- For defective and incompetent services received by the Merchant. All this Charges occurred between May 5 thru May 8 2023. The 2 disputes were timely filled with Costco Citibank Visa Credit Card.

In the 2 Disputes I filed I'm invoking " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount.

Charges for goods or services that weren't delivered.

*Charges for goods or services that were received but were not as described*.

Calculation errors.

Charges for which the consumer needs clarification.

Billing statements delivered to an incorrect address.

My 2 Disputes Falls into the categories marked with the sign. 
The Dispute # : XXXX Disputed Amount {$1000.00} falls into the category of *Charges for goods or services that were received but were not as described*. 
The Dispute # XXXX. Disputed Amount {$650.00} XXXXalls into 2 Categories : *Charges not authorized by the consumer* *Charges for goods or services that were received but were not as described*. 
I'm attaching properly support documentation in regards, I feel the merchant Cheat me with the Incompetent Services given and he got pay for something they didn't know how to repair it.
Consumer complaint received 2023-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian will only give accurate updated info if you pay a membership fee! 
Experian report shows completely inaccurate info despite burying the correct info in the credit card balances Example today I recieved an email that there was a decrease in my score. Suprised I looked at the Experian app The over view showed a score that was XXXX points less than XXXX and XXXX It showed a debt 4x more than I owed so I looked on their app at my individual credit card debt. On their own site it states the info is correct as of today but their over view showed 4 % credit usage when the actual credit cards were less than 1 %. They dropped my score when it should have increased. Called Experian and explained they saw the same numbers and said. I COULD GET ACCURATE UPDATED INFORMATION IF I PAID THEIR MEMBERSHIP FEE. XXXX and XXXX are providing updated accurate info without a membership fee. Im my opinion. Experian is extorting money from consumers by having a membership program and they are deliberately posting inaccurate information when claiming to be giving as of today info
Consumer complaint received 2023-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Homespire Mortgage Corp (MD)

In XX/XX/XXXX, I started working with Homespire Mortgage Company to qualify for a mortgage. I never received an adverse action letter but my credit was not extended to me and I followed all the instructions up until XX/XX/XXXX when I was told I needed to get rid of my car in order to qualify. My inalienable rights has a natural person was violated and my consumer rights by denying me for exercising my rights. There are no laws stating that credit reporting agencies determine credit approvals, and the credit reporting agencies are violating my privacy. In fact, XXXX does not back credit reporting agencies. Homespire had me submit an application which is the security collateral that they submitted to the federal reserve for benefits but I received nothing as a natural person. Additionally, Homespire has discriminated and discouraged me which is a violation of XXXX.