davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX, I authorized a charge on my credit card with Citibank for the first part of a move from XXXX, XXXX to XXXX, XXXX for a third party. When the move was completed, the third party disputed the remainder of his payment due to a breach of contract with the moving company, XXXX XXXX XXXX. Since they did not fulfill/complete their contract as agreed, the third party was not going to remit payment. However, since I had authorized the initial payment, XXXX XXXX XXXX requested payment from Citibank for the final payment and though I disputed it before they released the funding, Citibank paid XXXX XXXX XXXX {$4700.00} from my account and I have been making payments since then. I have disputed the charges and submitted my reasoning to no avail. Citibank has also been charging me monthly interest on this debt that is not mine. 
When " investigating '' my dispute, Citibank allowed XXXX XXXX XXXX to provide a contract between them and the third party as proof of my obligation to pay. However, my name is not on the contract anywhere. Instead of negotiating with the third party, XXXX XXXX XXXX stole the money from my account and Citibank gave the money to them without my consent. I have been paying more than a year on a debt that is not mine in order to keep my credit from being destroyed. 

XXXX XXXX XXXX did not fulfill their contract with the third party and charged me when it was not my contract, not my debt, instead of negotiating with the individual with whom they had the contract. I only offered my credit card initially because the third party did not have one and only had cash. 

Citibank knew before they ever stole the payment that I disputed the charge and it was not my debt. I have contacted them on numerous occasions and they have ignored my attempts to be reimbursed and have the charge and all interest returned to me. 

When I made phone calls and attempted to contact the card company through the chat option, I was left on hold, given false phone numbers and told that once a company has my credit card information, they can charge me any time they like and there is absolutely nothing I can do about it, except cancel the card. 

I feel like this is not only dishonest, but it is theft and I want to know what recourse I have. I also feel, after the way I was handled, that this is common practice for Citibank. How many other people have been stolen from in this manner? And they are receiving interest on top of it! 

I have screen shots of chats on the Citibank site, as well as written documentation of letters I have sent to them in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (KY)

OneMain Financial XXXX, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then Onemain reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at One Main threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!
Consumer complaint received 2021-10-20
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: Automated Collection Services, Inc. (GA)

Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (CA)

Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with XXXX XXXX XXXX XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC/ LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : SELF FINANCIAL INC/ LEAD BANK Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information.

Delete any entries or information that were furnished or obtained without my consent.

Send me a confirmation of your actions regarding the deletion or correction of my credit report.

Additionally, I request that you send a copy of the updated credit report reflecting these changes.

Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-01
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WV)

On XX/XX/2021 I submitted a request to Experian for my consumer disclosure for the Experian Asset Verification solution. Instead of sending my Experian Asset Verification consumer disclosure they indicate they have sent my Experian credit report. 

Experian Asset Verification advertises that they are FCRA compliant as their website indicates : " It is also the only solution in the market to be fully FCRAcompliant and adhere to credit bureau reporting and dispute processes. '' Their website indicates : " With the click of a button, borrowers can give permission to access their financial accounts, including checking, savings, 401 ( k ) and brokerage accounts. '' My Experian Asset Verification consumer disclosure would show if anyone has been clicking the button. 

Their website also indicates : " With coverage of 80 percent of financial institution accounts in the United States, lenders can verify assets for millions of borrowers. '' My Experian Asset Verification consumer disclosure would clearly show which of my accounts where they have coverage. 

See attachments.
Consumer complaint received 2021-11-01
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. (MD)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (TX)

None of the credit cards show up when I try to make a transaction even after waiting for 72 hours per instructions given by the company. 

So far, I tried contacting : 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, XXXX XXXX
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

XX/XX/2021 I recieved a email from paypal saying my account was permanently limited and i had a ticket filed and was told to check my email for judgement. 

I have a current balance of {$300.00} they are holding today XX/XX/2021 they told me they arent releasing the limitation and they are sending me a second email on XX/XX/2021 to withdraw my funds I called their offices XXXX XXXX, XXXX, XXXX, and XXXX to check on the status of my ticket.
Consumer complaint received 2021-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX Michigan Numbers calling from XXXX XXXX I have gotten repeated calls from this auto loan creditor, the calls I ignore and they will call from a different number sometimes within an hour early morning hours, late in the evening, all weekend. I blocked the numbers they just will call from a different number. 

The car was voluntary repossession back in XXXX they came and got the car, sold it, and still reporting missed payments on my credit report and not the correct amount owed. 

It is harrassing and inconvenient, they leave voice messages. 

I am attaching my call history with those numbers some I don't know because if it is blocked or or my phone service recognized the vendor it show up as a scam call that don't show me a phone number. 

Thanks
Consumer complaint received 2021-10-08
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. (GA)

I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, Transunion, and XXXX reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.
Consumer complaint received 2021-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (GA)

On XX/XX/2019 I enrolled at digitalcraft bootcamp, skills fund advertised student loans. I was under the impression i applied for the XXXX XXXX XXXX student loan. According to credit agreement, the funds will not be disbursed unless the school is in compliance with its funding obligation. The school certification would determine if I am eligible for the loan and for how much. Skills fund recently stated they only do unsecured consumer debt loans, not student loans for bootcamps, and I do not generate 1098 forms. Myself I did not receive a student loan despite being approved by digitalcraft and promoted by skills fund. On my aspire account within my forbearance letter my loan is referred to as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and/or private student loan ( s ). When I called Aspire customer service they stated it is not a student loan and this is a consumer loan despite it showing as an education loan on my credit report and no 1098 forms are listed in the tax information section.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

I got at least 2 personal loans with Discover Personal Loans. I paid them off in record time. When I applied for a loan this time they kept making me submit more documents, Which I did when I called they said every thing was fine call back in a week. Then when I called back said they were unable verify credit application information. I have a Discover XXXX XXXX. This a case of sex, age and race discrimination. These people sent the loan application and when they found out who I was they canceled me out. I am a XXXX  for the State of Michigan and I see work on these type of cases all time this behavior needs to be exposed.
Consumer complaint received 2021-10-08
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. (CA)

XXXX XXXX  pulled my credit and my wife 's credit ( hard inquiry ) without authorization. 

I started talking with XXXX XXXX  to discuss a loan to build an addition on my home. I provided basic information to XXXX, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

XXXX XXXX  then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reported an alleged XXXX XXXX credit card account to Transunion credit reporting bureau for investigation. 
After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any XXXX or Validate said debt pursuant to the FDCPA. 
Charge offs become the consumers income after being charged off and Said merchant refused to provide XXXX and Transunion credit reporting bureau did not properly investigate this issue.

The Transunion credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. 

The XXXX XXXX account reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. 

Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. 

Further, Transunion has confirmed receipt of my dispute demand for removal of fraudulent and unauthorized inquiries affidavit statement which they refuse to remove. 

Further, Said credit bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 

Further, said credit bureau refused to remove a fraudulent collection account from " XXXX XXXX XXXX XXXX '' / '' XXXX '' in the amount of {$24000.00}. Said credit bureau is in receipt of fraud affidavit et.al. ( See attached ) All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. Transunion Credit Reporting Bureau is damaging my credit worthiness.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My father passed away on XX/XX/XXXX. I was left his house and have had a new deed drawn up in my name. The loan was transferred from XXXX to Specialized Loan Servicing on XX/XX/XXXX. Once SLS took over the loan, the name XXXX XXXX started appearing on his loan statements. I have been calling since the beginning of XXXX to have her name removed from the account. Her name was not on the loan or on the deed when it came over to SLS and I have confirmed that with reps who have looked at the documents they have. I have sent in a copy of the new deed with my name, Death Certificate and letter of administration. Every time I call, no body can help me. I get told a ticket has been submitted and someone will call me back. I have not once received a call back. I ask to speak to a supervisor and they tell me they can't transfer me but can schedule a call back. No one calls me back. There are never any changes or updates on the issue when I call. I make the payment every month and am current on the mortgage. They are unwilling to help me fix their error and I'm not able to refinance the loan in my name until they remove this other person 's name from the account. I am beyond frustrated and this has been the absolute worst part of dealing with my dad 's estate.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (DE)

TD bank closed my accounts in XXXX. I went to the local office asked the reason, the agent got a response for no reason, only according to company policy. On the same day, The agent checked out my account and paid off all the balance. 
After two months I got a letter from TD bank in XXXX, there is still a balance on my account, and created a fee charge. I went to the local office, i disclaimed the charge because the previous agent gave me incorrect information about my account. the manager assistant called the customer service, according to company policy, I was requested to pay the fee in advance, and then TD would send me a check with that amount as a refund. 
On XX/XX/XXXX, I got a letter fro TD bank, I would not get the check. I went to the local office and found out the manager assistant, she told me she cant do anything for me. In The whole issue, I dont do anything wrong, I was cheated by TD bank.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit report agencies are all reporting and interpreting my students loans as late. I have been on a XXXXncome Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts