davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (NY)

Citibank is engaging in unlawful, deceptive, & misleading business practices in violation of federal statute New York GBL 349. Citibank markets a Paycheck Protection Program ( PPP ) on a national level. Citibank provides business owners with a list of the required documentation necessary to apply for a PPP loan. Businesses rely on the provided list and submit the required documents. Despite submitting all of the required documentation, Citibank conveniently advises their business clients that they are unable to verify payroll and categorically deny the applications. At the time that businesses contact Citibank by telephone, they are informed that a telephone number for the PPP Department does not exist and that all inquiries should be sent by email. As opposed to its competitor national banks such as XXXX XXXX  XXXX XXXX which both have dedicated PPP Department customer service representatives assisting business clients with PPP applications, Citibank makes it impossible to receive the assistance that businesses not only desperately need to financially survive but also deserve as loyal business clients. Afterall, PPP applications must be submitted to the bank where businesses have accounts. When businesses send emails to the provided email, they receive generic emails which cause immense confusion, aggravation, and unnecessary delays. This is because the email responses do not clarify what, if anything, is missing from files in order to obtain approval. By way of limited example, email responses provide information regarding loan forgiveness which is irrelevant because a PPP loan has not yet even been approved, thus making forgiveness options irrelevant. On another example, email responses provide a telephone number, but the provided phone number is for general Citibank inquiries and the representatives advise that they have no information regarding PPP loans. Yet, on another example, email responses advise businesses to reapply. However, upon re-applying and again submitting all of the required documentation specifically following the required documentation list provided by Citibank, businesses once again receive emails stating, unable to verify payroll. Citibank fails to advise business clients as to the exact resolution measures. Citibanks unlawful, deceptive, & misleading business practices cause tremendous financial issues for businesses attempting their very best to survive during these uncertain times. I respectfully request that the Consumer Financial Protection Bureau investigate Citibanks unlawful business practices and implement penalties accordingly. Thank you for your time and attention to this matter.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

ATTENTION TO LVNV FUNDING LLC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX  ( XXXX XXXX XXXX ) recently lowered my limit without my knowledge. As a result of this change, my credit score dropped 5 points. When I contacted them for an explanation they told me that they re-evaluate credit every once in a while and they lowered it due to my score at the time they re-evaluated it. I am currently trying to fix my credit so that I can buy a home. I've only had 1 or 2 minor late payments which were on accident because I lost track of the date. Overall I have been a very good customer. I feel what they did is a catch 22. They lowered my limit because my credit score was low and that in turn just made it even lower. They worsened my situation for no good reason.
Consumer complaint received 2018-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! Also fix their unfriendly annual credit report. I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

Back in XX/XX/2018 i tried to resolve the issue with a XXXX   representative who Refused to give me a credit reversal to my store credit card at that time.his reason was Because the bank of mines returned the online transaction on the target card.being that There were no hand written check mailed to this company i felt that i deserve the right To Have my account credited of the monies they took or charge me at the time.XXXX i Did have a balance which was paid by me through the XXXX XXXX who denied the Transaction there was money in the account at that time.XXXX Representatives charge My credit card a total of XXXX which was paid on XXXX i Realized there was an error Made on my behalf of the wrong information issued and Like i did explain to the target Representative there was an error made.as a valued Customer and card holder i do Deserve the respect from the corporation and deserve The right to be refunded which i Wasn't granted that opportunity at that time. so Therefore i am asking that my account be Refunded due to the actions of these Prejudice issues at the time when being mistreated Differently from other customers or Cardholders clients dealing with the corporation i Deserve the righteous treatment Hopefully this can be resolved with out any further disputes.thank you sincerely.XXXX XXXX.
Consumer complaint received 2018-04-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

I had a collection debt with XXXX that was being reported on my credit report by a collection agency named Ad Astra. In XX/XX/XXXX, I contacted Ad Astra and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, Ad Astra is still reporting that I owe {$480.00} to XXXX XXXX, even though I settled this debt two months ago.
Consumer complaint received 2018-04-04
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. (CA)

I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Consumer complaint received 2018-04-04
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. (CA)

It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AL)

I spoke with XXXX/TD Bank in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX/TD Bank on time. I normally do not mail payments, but because XXXX/TD Bank was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory.

I spoke to XXXX/TD Bank about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Consumer complaint received 2018-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX  in the amount of {$4600.00}. I have disputed this account with the company and also with XXXX, Transunion and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.
Consumer complaint received 2021-02-10
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: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

GUARDIAN CAPITAL MAN ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-02-10
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-02-10
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. (MA)

As a former XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both Citi Bank and XXXX XXXX. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit. 

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 

Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 

My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 

I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (KY)

Today, XX/XX/21, I have received calls from this number. This is not the first time, there have been several days within the past month or so that I have gotten these calls. 

I have repeatedly told them that they have the wrong contact information. I am not the person they are trying to reach. I have repeatedly told them to stop calling me. I have repeatedly told them that I will reach out to the FTC if they continue to call me. None of these things has been a deterrent. 

They quite simply will not stop calling!!!!
Consumer complaint received 2018-04-04
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. (FL)

I have hard inquiries on my credit report that I have NO knowledge of dating back to XX/XX/2017! I haven't applied for any credit cards for the past two years! I didn't give anyone authorization to use my information to apply for ANYTHING!!
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

XXXX  place a levy on my account that should not have occurred. Called XXXX and they lifted the Levy. My bank imposed over {$250.00} in fees related to this because it caused my account to become overdrawn. They did not act in my best interest and still are acting maliciously. Even after calling them to find a resolution they continue to impose overdraft fees even though I never signed up for overdraft. They refuse to speak to me and now their collection department is harassing me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Transunion will investigate this account to ensure accuracy. Here is the account I am asking to be verified as accurate. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

On Friday XX/XX/XXXX, I received a call at work when theyhave my personal cell number, and they said that I was behind almosttwp months on my credit cards- XXXX and XXXX XXXX both through XXXX XXXX . The rep asked if I could bring both cards current and I advised her sure. I paid a payment of {$60.00} on XXXX XXXX and {$130.00} on XXXX. This was a automatic debit then and that day, as I have proof of my online services. However, I was notified last week that the payment wasn't posted until days later! I ave called and got no where with XXXX! I have never had a problem with them. But they have incorrectly stated that my account is still not paid and are showing falsified information on all three of credit reports. My score dropped almost 30 points becuase of this! Please, if you would like for me to submit anythig to you, youmay contactme at ( XXXX ) XXXX.I would like for my credit reports- all three to shows my account is not deliquent and is current. I do work for an atttorney 's office and if this can not be handled this first attempt, i do plan on filing a second method of dispute in Magistrate court.