davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (GA)

I requested a deferment through the CARES Act on my Citibank card. I was granted a deferment. During the last 2 months they continued to charge interest. I realized this was happening when I received an email that I went over my credit limit. Knowing I had not used the card, I found out it was because of the interest they were charging me that put me over the limit. I do not want to be over the limit and was doing everything possible to remain in good standing on all fronts so I called them to inquire what I could do to ensure that wouldn't happen. They said I could pay ( even while under the CARES Act deferment ) to ensure that wouldn't happen again during the deferment ( which for me is set to end on XX/XX/XXXX. I paid a sizable amount to not only bring my account under the credit limit, but to also ensure that I had some breathing room and I wouldn't go over my credit limit again due to interest charges. 
Fast forward to today when I receive a letter that my credit limit has now been decreased ... which is yet another thing to affect my credit score. I have spent hours of my life before and during the pandemic inquiring about how to get on a payment plan with 0 % interest so that I could pay down my balance. I was told that during the coronavirus deferment period, I can not be taken off of that status to consider another program. I was told to call back on XX/XX/2020. 
So, although they have made consumers believe we are 'safe ' from credit card payments during the CARES Act, I had to make one to keep 'current ' due to interest charges and then only to have my credit limit decreased. I will have to make another minimum payment in order to not be over my limit again next month due to the interest they will charge me for past purchases. Therefore, I have not gotten any kind of 'break ' due to the coronavirus deferment that I can't even get off of until next month. 
They seemed to have found a way to thwart a consumer 's desperate need to keep current and in good standing during this awful time where so many are out of work. Once I pay this card down I will never be their customer again. It is abhorrent that during this time when they pretend to help their customers, they are actually finding the other ways they can make money and hurt the consumer 's credit. Regardless of my current circumstances and deferment, they are betting on me paying so I will not go over my credit limit again. I would've just paid during the past few months if I knew this was going to happen. And, I would have ended up in better standing with Citibank. This was the exact opposite of what the CARES Act was meant to do for consumers.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (MS)

On today XX/XX/XXXX, I went to my bank to withdraw funds that were deposited from the SBA small business loan that I was approved for. 

Everything was fine, the teller asked me how I wanted my bills, and while she was counting, the assistant branch manager, placed a hold on my funds at that very moment. 

The assistant started asking me if I even had a business and that she needed to see proof of my business in order to release my funds. 

I called customer service and they were not familiar with any policy requiring a customer to prove they have a business before withdrawing funds and that the assistant branch manager had just placed the hold on it when I was sitting waiting on the bills to be disbursed. 

I was racially profiled and denied access to my funds and they will not release my funds until I show proof of my EIN and business license. 

The bank didnt provide my loan and I dont feel comfortable providing my business information on a personal account. 

This is unfair treatment and I am certain illegal practice. 

The assistant manager refused to provide the branch managed phone number or any other phone number to allow me to dispute, escalate, or file a complaint.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have contacted Equifax multiple times and made them aware that I am not able to get my credit report and credit score and this is important to me because I have been a victim of identity theft and I have been suffering the consequences of it for many years. I have contacted Equifax a total of 43 times over the past year and trying to sign up for their credit monitoring service so I could see my credit report on a daily basis, and so that I could monitor the fraudulent activity on my credit file, but I have not been assisted. What happens is that you are transferred about 15 times during you call until you finally ask to speak to a supervisor, and then you are told that Equifax is blocking you from monitoring your credit score and credit report because your file is being handled in the Consumer Affairs Department. When you ask them why they are blocking you, they ca n't give you a valid reason. When you keep asking them they end up hanging up on you. I have called multiple times and asked why ca n't I monitor my own credit report and credit score, and I have not only never been helped but am always hung up on. <P/>It is tragic that a credit reporting agency would block a victim of identity theft from monitoring their credit reports and scores for fraud. It is like Equifax is a part of the fraud and do n't want you to see what is going on with our credit file. They have refused to provide me access to my report and score for over a year without a good reason.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as above-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened up a credit card Account with Capital One, # ( last four numbers XXXX XXXX. I authorized a second user. The second user charged over the limit by an additional {$1300.00}. I called the respondent and asked why they allowed over the limit purchases. They said under circumstances they could do it, even though they previously advised me that no one could charge over the limit. As a precaution they placed my account under restriction. I am now trying to pay my credit card. As if this day, XXXX, XXXX, 2020, their official website stated I have {$220.00} in cash to lower my credit card debt. I tried to lower my credit card debt. The web site stated I could not redeem at this time, -and my account was restricted with a {$1000.00} credit limit. I called Capital One and talked to three representatives. They all agreed that I do have {$220.00} cash to redeem but my account is closed and I cant use the {$220.00} to redeem. I told them that their official document said my account was restricted and I could not redeem at this time. I asked all the representatives when I will be able to redeem my cash rewards to lower my credit card debt. They said never. I have been discriminated against. I complained before, based on my XXXX, that they allowed over charges when I previously called them up to verify that they would not allow over charges ( {$2300.00} ) on my card with a {$1000.00} credit limit. They provided false information stating that they would not and then did. Now they are denying me the legal right to lower my credit card bill by using my cash rewards in retaliation for complaining before. Their documents state I have {$220.00} to redeem dated today, but not at this time because my account is restricted. They have now denied this redemption. They have charged me interest under the COVID-19 pandemic.
Consumer complaint received 2020-07-30
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. (TX)

I received an email from XXXX XXXX and they said I could check my options with no effect on my credit. That was a lie. They ran a hard inquiry on my check and I want it removed immediately.
Consumer complaint received 2024-08-15
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)

I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.
Consumer complaint received 2018-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am making payments towards Public Service Loan Forgiveness ( PSLF ) on my federal loans, and my loan servicer is XXXX  XXXX. I have submitted Employment Certification forms twice per years, which then initiates a count of the current number of qualifying payments. 

XXXX has not correctly counted the number of qualifying payments I have made on some of my loans. In XX/XX/XXXX I requested an official recount of the number of qualifying payments for all of my loans. I was told this process would take up to 120 days. 

It is now the end of XX/XX/XXXX and I have yet to receive a recount of my qualifying payments. I have contacted XXXX several times about this issue. My latest contact was today, XX/XX/XXXX, and I was now told there is no estimate for the amount of time it will take to recount my number of qualifying payments. 

I am requesting the CFPB to hold XXXX accountable to complete a recount of the number of qualifying payments I have made.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (AZ)

The below listed company has placed a collection on my credit bureau reports in the amount of XXXX owed supposedly to " XXXX XXXX ''. I do not owe any such debt and I am asking that this company be fined for putting false information on my credit report. 

1. I have lived in Arizona for 6 years and there is no XXXX XXXX company here.

2. I have been the victim of identity theft several times from 2009 to present. I was an XXXX XXXX service member and my social and information was stolen and also hacked into several times. 
3. I'm enclosing the latest police report to show that I continue to be a victim of identity theft.

4. I want this removed from all credit bureaus immediately! 


DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (NM)

They have called me 47 times in the last 24 days. Most calls are 2 times a day and including weekends. We are currently working with a debt relief program and the program has already been in contact with Barclays to resolve our account yet they continue to call twice a day or more everyday.
Consumer complaint received 2023-04-19
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. (DC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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 2023-07-07
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. (AZ)

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score. 

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-04-19
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. (DC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-04-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I had {$4000.00} on my Citi bank savings account XXXX. 
On XXXX, XXXX XXXX Citi bank made transfer from this account {$19000.00} to my Citi savings account XXXX to cover it's overdraft ( this account was overdrawn because of unauthorized transaction and currently under investigation ). As a result of this transaction my account XXXX become overdrawn {$15000.00} and Citi bank close this account.
Consumer complaint received 2020-07-30
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2019-02-02
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. (VA)

I attempted to have XXXX XXXX pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with XXXX XXXX typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the XXXX XXXX account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid XXXX XXXX in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay XXXX XXXX in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a 36-year history. I have called XXXX XXXX on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately XXXX points because of this issue. XXXX XXXX needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (OK)

My bank here in XXXX, Ok charged me a XXXX fee for funds transfer to bank of the west. When bank of the west received the funds transfer they charged me a XXXX fee. I tol+++++++++++++++++++++++++++++++++++++++++dbank of the west to close my account and they told me they could not close it. If I send another funds transfer my bank will charge me another XXXX fee and bank of the west will charge me another XXXX fee. I just want this bull XXXX account with bank of the west closed. WITHOUT reporting to XXXX or ruining my credit
Consumer complaint received 2024-08-15
Product: Credit reporting 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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I am an XXXX duty Military member and a holder of the Chase XXXX XXXX credit card. When I first applied for the card I applied to get the annual fee waived under the Servicemembers Civil Relief Act. Chase informed me that because I was on XXXX duty when I applied for the card, I was not covered under SCRA. I recently learned that Chase was now waiving fees for XXXX duty members who applied for the card after XX/XX/2017 under the Military Lending Act. When I called Chase on XXXX to inquire if I could get my fees waived as I am XXXX duty and a holder of the credit card, the military customer service agent informed me this only applied to XXXX duty military who applied for the card after XX/XX/2017. When I further inquired if I could cancel the card and reapply to take advantage of a benefit entitled to all XXXX duty military personnel, I was informed that there is a mandatory 24-48 month duration between closing and opening an account. The fact that new members enjoy this benefit and long standing loyal customers do not seems completely arbitrary and borderline predatory. I would like to see a resolution come about where myself and many other XXXX duty members are not penalized for applying to this card prior to the XX/XX/XXXX enactment date.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX Submitted investigation on XX/XX/2018 with the above complaint number XXXX. It has not been resolved. The credit bureau is taking longer than 30 days to resolve this issue. It is now XXXX, XXXX without any additional information from Equifax other than they are investigating this. The time has passed for this issue.