davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CO)

I have been a customer of Citibank with excellent credit for approximately XXXX yrs. and seldom had any issues using my 4 credit cards until this year. Starting around XXXX this year, XX/XX/XXXX  my Citibank credit card ending in XXXX was declined for my XXXX needs at the local XXXX XXXX XXXX. I tried 3 of my Citicards at 2 different registers all having XXXX  in available credit and all were denied. This was very embarrassing as this was a rural local store and almost everyone knew me heard all my cards continue to get declined. I called Citibank immediately and was first informed my cards info was incorrectly inputted, which was not the case as the sales agent had used the card reader at 2 different registers to insert my cards. Then I was transferred to the fraud department, who advised me there was a fraud issue with XXXX XXXX  and that they would remove the lock on my cards and promised me it wouldn't happen again. It has happened repeatedly every single time since then that I've tried do use my Citibank credit cards at my local XXXXXXXX XXXXXXXX. I always call them complaining and get the same response as above. They promise it won't happen again and it does over and over again. The last time I called them for my card being declined at XXXX XXXX, XXXX, XXXX, again was around XXXXXXXX XXXX XXXX. This time the agent informed me that the reason was that the XXXX XXXX  were refusing to allow the use of their credit cards at their stores. Is this legal for Citibank to issue cards not being accepted where it states they are accepted My? 
My credit card ending in XXXX, was declined again yesterday at the XXXX XXXX XXXX in XXXX, XXXX. In the amount of {$42.00}. 
This has been horribly inconvenient and embarrassing as these are the only stores for me to shop at in my local rural community. 
Is this legal for Citibank to continue to decline my credit cards when the cards are valid and should be accepted? 
Thank you for assistance!!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (DE)

Dear Collector, I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Maine ; XXXX proof XXXX the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within XXXX  days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

I received a phone call from someone claiming to be from Santander Bank stating my account had been compromised. I was then sent a one time passcode from a text message while on the phone with this person. After being told my account has been locked and I will be sent a new card, the call ended. 
After the call ended, I received an email from XXXX ( partner with Santander Bank ) stating my account information had been changed and to immediately contact Santander fraud if this was not the case. Before contacting the fraud department, I checked my bank account to see that all three accounts ( a savings account, my XXXX year old daughters checking account in which I am the guardian of, and my checking account ) had been cleared of all money. I further went into the XXXX feature through the app in which I saw a {$2500.00} transaction was completed in addition to a {$950.00} transaction to two different illegitimate emails, similar to my own. A total of {$3400.00} was taken from my accounts leaving me with {$0.00}. 
An immediate initial claim was filed on XX/XX/XXXX which was denied about a week later for inconsistencies. A second claim was filed on XX/XX/XXXX and again denied claiming inconsistencies. No further information was given.
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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-14
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: Bread Financial Holdings, Inc. (CA)

I am disputing a fraudulent inquiry on my credit file from comenitycb/ulta mc. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with XXXX as well as contacted ulta and requested it to be removed and any cards canceled
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023 an application for Bank of America Travel Rewards credit card was processed without authorization and Bank of America processed a hard inquiry pull using my information. This is not the first time Bank of America has allowed accounts to be fraudulently opened as someone used my information for a mortgage when I was only XXXX XXXX XXXX.
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. (CO)

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account without my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (NC)

I requested a credit card with guarenteed approval by Credit Karma. 
I put a case in place Number XXXX on XX/XX/XXXX. 
The agent told me I would have an anwer on claiming XXXX dollar guarentee in a few days after they verified XXXX card " XXXX '' refused my card reguest. 
I was refused right after hitting submit and got a letter from card company a couple days later. My credit is rated excellent. 
I emailed Creidt Karma asking why no action has been taken four times. 
No repsonse. 
There is no way to call Credit Karma, no phone numbers work including corporate office. 
I looked on the internet and see that this very issue is being litigated by the FTC. 

I would like a resolution. 
I would like to be party to the penalty Credit Karma is being ordered to pay customers. Large fine set aside. 

Thank you and regards
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I have never received a statement from Specialized Loan Servicing. They claim to have mailed me statements but they have not. 

I may have missed a payment in XXXX. I never received any notice of a late payment. 

Specialized Loan Servicing has been compounding late fees for months but never send me a statement. They receive my monthly payments but do not notify about the late fees that are increasing each month. 

They had the wrong e mail address. I am not sure if they tried to contact me at the wrong e mail address. 
Specialized Loan Servicing ( before XXXX XXXX ) has NOT send me a statement. NEVER! 

I have an XXXX credit rating. If they has notified me about the late fee or missed payment I would have paid the XXXX but they did not notify me and just keep increasing the late fee amount to {$230.00} I believe they have changed their records to show mailing statement but they have not send any before XX/XX/2023. 

I suspect they send them to the wrong address. About two weeks ago I had them look at my records and they had the wrong e mail and agree they had not sent statements to my home address. Today they told me their records show mailing statement. Changing the records is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX mail XXXX XXXX
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (GA)

Last year, I purchased a car from XXXX XXXX XXXX in XXXX, GA. It had noticeable flaws like body damage, a lit check engine light, and engine noises. Despite these issues, I trusted XXXX XXXX promise to fix them after the purchase, and with my wife co-signing, I proceeded with the transaction. 

However, XXXX failed to fulfill his promises, providing excuses for the unresolved repairs during my multiple visits there. The car experienced persistent overheating and stalling issues, leading me to seek repairs from various mechanics. Despite spending thousands of dollars on repairs, the car 's problems persisted. 

Eventually, the head gasket blew. I later discovered that the car had 32 recalls, some related to overheating problems. I feel that I never should have been sold a car with that many recalls. 

My attempts to maintain the car 's functionality drained my finances and had a significant impact on my livelihood. As someone with limited income from XXXX and occasional XXXX XXXX I struggled to manage car payments, insurance, and repairs. This financial strain caused both my wife 's and my credit scores to drop, affecting our financial stability and personal lives. 

Hoping for a positive resolution, I appealed to Westlake Portfolio Management, the lienholder, for loan forgiveness and the removal of negative credit information. I explained that I had a letter with attached receipts serving as evidence of the recurring problems and the financial toll they took. I communicated the extent of my hardship and requested empathy and understanding, seeking relief and an opportunity to rebuild my life. 

Westlake instructed me to send the letter via certified mail, which I promptly did, receiving confirmation of its delivery. However, despite numerous calls, Westlake claimed not to have received it. They then suggested sending it via fax, which I did, but even after confirming its transmission, Westlake continued to deny receiving it.

Shortly afterward, they repossessed the car without attempting to respond to my letter and work out a solution. I feel they maneuvered to delay the process only to repossess the car, leaving me with the impression of their underhanded tactics. 

I appreciate whatever help you can give me with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX  XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
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. (NY)

XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX  ACCT # XXXX, EQUIFAX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.