davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (OH)

On XX/XX/XXXX, I telephoned Citibank customer service department via telephone and asked if I could pay off a Citi Flex Pay plan number XXXX that was accruing a monthly service fee of {$2.00}. I am not sure what happened and/or how the monthly fee came about, but rather than argue the point, I simply asked to pay the entire amount owing on that plan in full, which I did. The amount owing on that day was {$410.00} and their customer service representative took my payment over the telephone and assured me that it would apply in full toward the Flex Plan number XXXX. It should be noted that the payment was extra above any minimum payment due as of that date. 

On XX/XX/XXXX, I noticed that the balance of Flex Plan number XXXX had only decreased down to {$380.00} and the rest of my payment from XX/XX/XXXX had been spread across the balances of other flex pay plans on my account. I telephoned Citibank customer service team again at XXXX XXXX and was told that an error had been made by the first customer service representative, but my request would be honored since that was the agreement when I made the payment. 

Today, I noticed that the Flex Pan number XXXX still has a balance and made another call to the Citibank customer service team. During that conversation today, I spoke with supervisor XXXX with an ID of XXXX, who told me that the payment I made WILL NOT be used to pay the Flex Plan I had requested be paid in full. He then hung up on me! 

It should be noted that the supervisor for Citibank also stated that payments made by me apply first to late fees and interest, then to balances with lower APR. I believe that is a violation of the Fair Payment Allocation provision of the Credit Card Act of XXXX.
Consumer complaint received 2023-07-27
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: CLGF Holdco 1, LLC (TX)

I received a few letters in the mail about applying for a few credit cards which I never applied for. Luckily I was rejected for most. 
Then I ran a credit report and noticed a phone number, address, and credit line with " FEB/GFSCS-RETAIL ''. I immediately issued a fraud alert and reported these to the credit reporting company and they removed all except the credit line. I then called the credit line company ( FEB/GFSCS-RETAIL ) and they said they were already in the process of closing it. It was closed in early XXXX with an outstanding balance of {$3500.00}. I then called the credit report company and they issued a fraud dispute on the account and told me to file a report with the ftc. I couldn't find the right section to report so I am reporting here. The account was opened XX/XX/2023.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Consumer complaint received 2023-07-27
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. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-25
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. (MI)

I am attaching STATEMENTS showing AMOUNT DUE, under the promised HARDSHIP PROGRAM after diagnosis of XXXX  XXXX XXXX in XX/XX/2018. Company agreed to place me in the HARDSHIP PROGRAM XX/XX/2018 and remove all late pays. They then went on, after meeting my ON TIME obligations to close my account. 

BLACK AND WHITE in front of you. PAYMENT DUE DATE. PAYMENT MADE BEFORE DUE DATE. I was never late. You need to remove all late pays for XXXX AND XXXX.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/2023 I got a Target Credit Card. I asked what kind of inquiry would be used before I signed up. Turns out it counts as hard inquiry on some reporting files and a soft inquiry on others. Their app locks me out all the time so I can't use the card. Today XX/XX/2023 the card itself would not authorize and I could not reach any agent at 5 phone numbers. Their phone numbers are all set for Central/Mountain time office hours and I am in Pacific time . I was so disgusted about the card being locked I chopped it up after leaving messages through their " secure messaging '' in the app. 

If these people want me to have another credit card they will mail me a new card that I can actually use. I raised my credit scores through diligence from XXXX to low XXXX 's before I had their card. I wanted the major Target card with XXXX or XXXX on it but they cheated me and only gave me the store branded card with {$1100.00} credit limit. 

I live 1/2 a block away from their nearest store and shop there all the time so the security people know my face. Most of my money was being spent there. Not anymore. Learned my lesson. They don't want low income housed people in there when all their money comes from insurance because the homeless rob them blind.
Consumer complaint received 2023-07-27
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-27
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. (AR)

I had a secured credit card from XXXX XXXX XXXX and I paid {$100.00} to secure the debt. I asked the account to be closed and the company said my account was closed and I was denied access to the account. XXXX XXXX  is reporting a past due amount up tp {$260.00}. When I disputed this. XXXX and Transunion updated my report to 0 past due but that there was a charge off of {$100.00} to XXXX the original {$100.00} was suppose to be refunded to me, yet I have not received my {$100.00} and There should have been no reporting of past due or charge off.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I completed a purchase with the retailer XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. The retailer advised me that they are having a problem placing a purchase on my Synchrony Home Credit Card issued by Synchrony Bank. Currently, the account is showing available credit of : {$8600.00} as of XX/XX/2023. Specifically, the purchase amount is : {$7500.00}. Therefore, on XX/XX/2023 at or about XXXX XXXX, I utilized the " chat '' function of the business Synchrony Bank through a website maintained by the business. The chat session ID is : XXXX, the employee was listed as XXXX. I have placed an arrow and underlined the relevant information. The employee confirmed the following : " Thank you for waiting. Upon checking XXXX XXXX XXXX accepts Synchrony Home Card ''. Additionally, the employee stated : " That is correct there shouldn't be any problem on your card. It may be their terminal that would have the problem ''. Also, for the record, since opening this account, I placed an {$8000.00} flooring purchase that was paid off during the promotional period and numerous other small furniture purchases. All of my purchases on the account have been paid in full during the promotional period. I have included on this complaint the chat session and a printout from the Synchrony Home website showing the merchant is an authorized retailer accepting the card.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

My business name is XXXX XXXX XXXX I PURCHASED ITEMS FROM XXXX XXXX ON XX/XX/XXXX the amount was {$73.00} & XX/XX/XXXX the amount was {$150.00} PAID BOTH IN FULL HOWEVER EQUIFAX PUT AN DELINQUENT ON MY CREDIT
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (PA)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The late payments that are being reported on my credit profile violate my consumer rights under FCRA XXXX XXXX XXXX XXXX XXXX. As a long-time customer that has had an exceptional payment history with XXXX Of XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX XXXX my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

Dear XXXX, I am writing to file a complaint against XXXX  XXXX XXXX  Card for XXXX unprofessional and unethical practices that I experienced during my recent interaction with their customer service representative. 

On the day of XX/XX/XXXX, I was purchasing an air ticket online, when I came across an advertisement for American Advantage Card, which stated that by enrolling in their program, I would receive a discount of {$200.00}. I accepted the offer and bought the ticket, after which I realized that the card was charging an annual fee. 

I immediately cancelled the ticket and contacted the XXXX XXXX Card company to cancel my enrollment, to which they assured me that the card will be cancelled. However, I continued to receive emails from the company regarding payment of the annual fee. I called again on XXXX, XXXX. They said the card was cancelled. 

After several attempts to resolve the issue over the phone, I spoke with the manager today ( XX/XX/XXXX ) who was extremely rude and disrespectful. He refused to waive off the membership fee even after I explained the situation and hung up the phone without any explanation. 

I understand that many people may take advantage of the {$200.00} discount and then cancel, but that was not the case with me. I cancelled the ticket and immediately contacted the company to cancel the membership, and yet was still charged for an annual fee. 

I request that the company refund me the annual fee, as I was misled into enrolling for their card. Moreover, I urge XXXX XXXX XXXX to re-train their customer service representatives to be more respectful towards customers and avoid being dismissive of their concerns. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TN)

On XX/XX/2023 I initiated a transfer from my checking account for the amount of {$30000.00} to my Robinhood brokerage account. The transfer has taken 7 days to complete. On XX/XX/XXXX, Robinhood has decided to restrict my account and has told me to verify my identity, even thought my Robinhood account has been opened since XX/XX/2023, over a month ago. The transfer completed on XX/XX/XXXX, and my account has been restricted ever since.Now once I sent them the necessary documents, on XX/XX/XXXX, they are now telling me my account is restricted for another XXXX10 days with no access to my funds. I feel unsafe because this is 2 weeks without access to my funds. My account has been opened for over a month and now that I deposit my money into the account, it gets restricted? It just doesnt feel right. They first told me they will get back to me in 48 hours on the XXXX, and now they updated it to 7-10 business days. Also due to my account being restricted I am unable to talk to support, they have limited my access so they have been unresponsive.
Consumer complaint received 2023-07-27
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)

There have been issues with my credit report in the records of the Credit Bureaus. After reviewing my records, I discovered several files that are unfamiliar and clearly unrelated to me. As a diligent individual, I conducted research and learned that, according to section 605b of the FCRA, the Credit Reporting Agencies are legally obligated to remove any accounts and information that have been opened due to fraudulent activities. These disputed items unquestionably do not belong to me, and I have attached the necessary FTC documentation, which I obtained through thorough research. I request the prompt removal of the following items : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus still believe there is a possibility that these accounts belong to me, I must insist on receiving all documentation bearing my signature, as I have learned that the Credit Bureaus are required to verify each account with 100 % accuracy, ensuring it is true, accurate, correct, complete, and verifiable. In the event that the Credit Bureaus fail to provide any records and claim that the items are verified, please understand that I will be left with no option but to pursue legal action. My attorney and I do not appreciate any games, and we urge the Credit Bureaus to comply with the law to resolve this matter expeditiously.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numeorus requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$8900.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-27
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I have reviewed my credit report and have noticed unauthorized accounts on my credit report. I've asked all three agencies ( XXXX, Equifax, and XXXX ) to remove all these account off my credit report and demanded to opted out of having my information shared without my consent! I gave these agencies no authorization to share nor sell my information. I demand that this be resolved immediately. Thank you
Consumer complaint received 2023-07-27
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. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.