davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Suspicious withdrawals were made from my checking account in XXXX. 
I have called immediately, and Citibank was prompt in refunding me the two charges of {$500.00} and {$240.00}, and locking the debit card and sending me a new one. 

However, just a month after when a similar thing happened where a charge of {$1100.00} was made at XXXX  store located in XXXX IL. You locked me out of account for several weeks and concluded that due to lack of evidence, I am liable for {$1100.00} that the thief stole. This does not make sense, because you are rewarding a criminal by legitimizing the fraudulent charge he made. Citibank has chosen to penalize a loyal customer for several years of Citi Costco card member instead of believing in my claim for my hard earned money. 

Here is some evidence you overlooked. 
On XX/XX/XXXX, I was staying at home. I can provide alibi for it by using XXXX XXXX Timeline which keeps track of my location in XXXX XXXX. There is not a reason for me to spend a DEBIT transaction at XXXX  in a different state from where I live. 

1. I have not used debit card since I've opened Citi checking account in XXXX. 
2. By checking my Costco Citi c.c. statements, you will see that I do not shop at XXXX  3. Nor have I made any purchase in XXXX 4. My address on the Citibank shows that I live in XXXX XXXX and most of my spending is at different Costco 's in XXXX XXXX area. 

Thank you for listening.
Consumer complaint received 2020-04-26
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: NAVY FEDERAL CREDIT UNION (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (MS)

On Wednesday XX/XX/XXXX spoke with a Jade after XXXX and advised her I didnt have the card. She stated to me she was unable to change my address in the system to get a new card - and told me there is money on the card and its inactive- well yea it expired in 2019 and never got sent a new one. I need a new one I have been calling every day since and I have been on hold for almost 6 hours before I hang up. 6 HOURS?! Someone should have answered by then, and this is happening more than once. I have done a change of address at the post office so if she sends the card to my old address I will still get it. I need my funds my rent is due and these people dont answer the phone and she never offered to go ahead and send another one she just wanted me to call someone else. I called those people and my address was updated so someone XXXX  up and I need my money I dont have any food and my car note is due and my rent is due I dont want to be living on the streets. My landlord said I had to pay my rent. I have money on the card its my money.
Consumer complaint received 2020-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

We found out about the outstanding debt from an outside source, months after the debt had been placed on my credit report. We were applying for an apartment, when we were informed that there was a debt owed to a previous apartment complex. 

I contacted that apartment complex on XX/XX/2020, only to find out my debt had been transferred to a collections agency. After getting the name and number of that agency, I reached out to them through a phone call and tried to get more information. Neither the apartment complex or the debt collection agency made any effort to contact me via phone, email or mail to notify me of the debt before it was placed on my credit report. I was given no option to pay, dispute or otherwise keep this debt off my credit report. 

When I called the agency, they were reluctant to share information. I was given the outrageous amounts for TWO accounts and I was told the name of the agent overseeing those accounts for this debt, given a phone number for him and an email for the company. I was told I could not get information unless I emailed a request for one. So on that same day, XX/XX/2020, I sent an email request for an itemized bill. 

On XX/XX/2020 I received email responses. One for each account, but I could not see any itemization for either bill. I saw the amounts, but nothing more - and I sent another email letting the company know I had received the bill amounts for each account, but did not see the itemization I requested. I received a response within a couple of hours, letting me know I should have received the bills via email - and I have received no further communication from that collection agency since. I have not received the letter of acknowledged communications in the mail that was supposed to be sent five days after I reached out to them - and I still have not received a call, or email with explanations for the charges. 

I have sent a letter disputing the charges and their handling of those accounts. I have protested that I was not given any information about this debt before it was put on my credit report - and their mishandling of overall communications with me about this debt. I just wanted to make the CFPB aware of this company and their practices so no other consumers would be caught out with a debt on their credit reports without awareness by this company.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

XXXX, XXXX XXXX XXXX XXXX, all through Comenity Bank. I got behind in payments and they set me up on a payment plan. They took the payments were taken out all last year. They continued on charging me late fees of XXXX anyway. Now my accounts have trippled. XXXX is XXXX, XXXX XXXX is XXXX, XXXX XXXX XXXX. The customer service number is XXXX. Hardship number is XXXX. I have contacted them several times to remove the late fees but they refuse. They are definitely ripping me off. I have been given the run around. I want it stopped.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (NY)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/XXXX I called Chase Auto to make a payment and change my due date. The person I spoke with said once I pay they can change it. I paid online {$800.00} and some change. Then they said they will change the due date. The app online shows I am caught up on payments, however I got a phone call saying I am behind and have to pay {$1600.00} by XX/XX/XXXX. I did not understand why so I contact Chase again and they said the XXXX payment was reversed, however it never went back into my bank account. I also went to Chase Bank and they said they cant help because its an auto issue. So then contacted the Auto center again and another person said I was caught up and good to go. I waited and was going to make my XXXX payment. Then my bank account shows they took out {$1600.00} without me being on autopay or asking. They just removed the money XX/XX/XXXX. My bank account was negative and then the next day positive because the payment reversed for insufficient funds which I told them I dont have the money. Then it came out again and caused my account to go negative again. So I contacted them again, this time another man looked at the deposits on his end and said that they payments were messed up and hes sending it to the higher ups to look at because they messed up. My payments werent going towards any principle and he shows I made my XXXX payment but they have it to where I didnt and wanted me to pay for XXXX and XXXX. So now me and my co-signers credit is messed up because they are trying to repo the truck for being XXXX days late even though its only XXXX days and they still havent fixed the issue. We faxed over all the documents the guy on the phone asked for so he can get them to fix it but they are saying they are going to repo the truck.
Consumer complaint received 2023-01-15
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. (AZ)

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by TransUnion and was surprised to find hard inquiries that I did not recognize or authorize. As reference please see the inquiries below : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX  I am hereby notifying you that I have never authorized the aforementioned companies to access my credit report. Additionally, I have never given TransUnion my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Consumer complaint received 2023-01-15
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. (SC)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX 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 an account without my written instructions. 

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 record by more than XXXX 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...
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (AZ)

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Equifax and was surprised to find a hard inquiry that I did not recognize or authorize. As reference please see the inquiry below : XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned company to access my credit report. Additionally, I have never given XXXX my consent to furnish this information. This inquiry on my credit report is a clear violation of my consumer rights under 15 USC 1681b ( c ).

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report.

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Ive had a Macys account for almost 2 years, Ive made on time payments every time besides one time. On XXXX of 2018, I got a new card so I had provide my account number and routing number. I tried paying it on the same day that I always do but was unsure if I provided the wrong information. I tried to confirm with the representative if the transaction was completed ; They said it was. I called 2 days later because the payment wasnt taken out of my account yet, they said it was still confirmed and it may take a couple more days. Another 2 days went by and I called again and they said the exact same thing. A couple more days went by and it showed a late payment. I was on the was for over an hour waiting for a supervisor and they said that they couldnt personally remove the late payment from my account. Ive made a total of 16 on time payments after that. I strongly believe it was a mistake on both of our ends but it could had been forgiven.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (SC)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One assessed interest on my account for a late payment. The statement balance of the late payment was {$2400.00} at a 27.15 % annual interest rate, or 0.07 % daily interest rate. Per the senior account specialist, the balance is calculated based on the beginning daily balance plus new charges plus interest charges on previous daily balance minus payments and credits. The resulting interest for this late payment was {$71.00} on XX/XX/XXXX was for the XX/XX/XXXX - XX/XX/XXXX billing cycle. On XX/XX/XXXX, I realized I had missed my payment and paid the balance in full. However, on XX/XX/XXXX, I was charged another {$26.00} in interest and the agent stated that this was for new charges for the XX/XX/XXXX - XX/XX/XXXX billing cycle because my account was set to accrue interest. 

My concerns are : 1 ) While I was talking to the customer service agent, she stated that the XXXX interest balance was ~ {$3200.00}, which was close to the current balance on the date that interest was charged. Why am I being charged for {$800.00} in new charges that I am not obligated to pay until XXXX? 

2 ) Capital One would not tell me exactly how the interest was charged. When I asked for the calculation, the customer service agent and senior account specialist stated they had provided me the details of how it is calculated per the terms and condition, but that Capital One does not provide the actual calculation. The senior account specialist said she would put in a ticket to get that to me. If I order food from a restaurant, I am provided a receipt of the charges including food and drinks order, taxes, and service fees. I am obligated to pay and I have the right to know what it is I am being charged for. If I am being charged for something, why would I not have the right to see how it is calculated? 

XXXX ) When I asked for the transcript of the conversation to include for this report, they would not provide it.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (NV)

Rent recovery solutions put on my account a bill of {$2500.00} and I have no idea where the amount is coming from since I have not been notified of the bill. I am currently in the hospital with XXXX XXXX and have XXXX XXXX to live.
Consumer complaint received 2020-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

Hi, I applied a payment of {$400.00} to my account on XX/XX/2020 and received an email stating that my payment was scheduled. On the same day ( according to a customer service representative named XXXX, who I talked with on XX/XX/2020 at XXXX XXXX ) they sent my account to a collection agency. I now have no recourse to have the account re-established. The lender in question is Heartland ECSI. This lender recently acquired my student loan account from another company and I did not receive information that this was the case prior to my account be absorbed. This is completely unacceptable behavior from a student loan company.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (GA)

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 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX 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 2023-01-14
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. (LA)

Upon checking my TransUnion, XXXX, and XXXX XXXX credit report I found that persons TranUnion, XXXX, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX  account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX account number XXXX  , XXXX XXXX account number XXXX , XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX. 

TransUnion is reporting the following accounts violating these laws : XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX, account number XXXX.