davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (OH)

I applied and received a personal loan from Citi Bank. During the online process to receive a discount on interest rate you had to sign up for automatic debits at that time. It was not an option to receive discount if signed up at later date. I called Citi on XX/XX/18 to change the due date to a few days later due to if the XXXX fell on a weekend or holiday they would take the funds out earlier. I only get paid twice a month on the XXXX and last day of month so if the funds are drawn earlier than XXXX could potentially cause account to overdraw. For the change of due date I was advised that was not possible. The only option is to take advantage of the 10 day grace period, but I would have to cancel the auto debit and would lose the interest rate deduction given for auto debits. I think it is unfair to take the funds out prior to the due date. They have a grace period on the account and should take the funds out on or after the due date not prior. 

The second issue is that I have not received an email from the company since I was approved and wanted to know how to view my loan information online. I was advised the only way to view personal loans online is to attach it to your debit card. I do not have a Citi Checking account so that is not an option. Citi Bank is segregating customers and not providing the same access to their loan information unless that person also has a checking account with them. I have credit cards with them and was advised that only can access my personal loan information online with a checking account debit card. That is unfair as I should be able to view my information online and keep track of my information. Also, by not allowing me to view my information online if prevents me from making online payments to try and pay off my loan faster to avoid some of the finance charges.
Consumer complaint received 2022-08-24
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. (GA)

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (FL)

I have called and emailed Professional Finance letting them know for months now I have been paying XXXX XXXX XXXX of Florida regularly not paying late since I got my bill & I have spoken with the company they said they were reporting to the company I was paying and I have receipts.
Consumer complaint received 2022-01-04
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. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (FL)

I have received repeated phone calls from  Nationwide Debt. My mother was called and contacted me. They threatened to contact me at work. I called Nationwide to understand the nature of the call and was informed that I owe a debt. I did not recognize the debt  yet they had personal information that I did not share with them. I tried to relay to the representative that I wanted proof of the debt. The representative was rude and condescending with me so I discontinued the call. I was later called on my job by  XXXX   XXXX  to resolve this matter.  It is one thing to contact me through family members and my cell phone and it is completely egregious to call me a t work.   My company does not condone the use of their phone for personal matters. If I broke company policy that would put my livelihood in jeopardy. I have a problem with this approach. It is my desire to never have them contact me again at work or any other number that I have not authorized.
Consumer complaint received 2022-08-24
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$160.00}.
Consumer complaint received 2022-08-24
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. (CA)

XXXX and TransUnion Credit Bureaus are becoming careless with their responsibilities and duties when it comes to validating the information being reported on a consumer 's credit report, despite all the letters and CFPB complaints I have been making to the credit reporting agencies. I have experienced identity theft, and I am confident that this crime is what led to the queries that the XXXX and TransUnion Credit Bureaus have recorded. The Credit reporting Agencies are mandated by FCRA section 605b to delete any profile and information that were the product of identity theft. On XX/XX/XXXX, I sent a letter to the credit bureaus requesting that they take the unsubstantiated queries out of my credit record. The Credit Bureaus continued their unverified reporting despite all of my letters, which is a blatant violation of my rights under FCRA section 604. I have filed a complaint with the CFPB to have the following improper and unverified credit inquiries removed as soon as possible : XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have 2 credit card accounts with Capitol One, and thought I had set up Auto Pay using their XXXX-based App starting with XXXX payments, but in XXXX the first payment did not go through and a late fee was applied. A XXXX XXXX phone representative said I never set up Auto Pay, but made only one time payments on the App, and blamed the problem on their App not processing properly. The phone rep did reverse the late fee, and we set up Auto Pay over the phone, but only after a lot of wasted time. Capitol One is setting their customers up of failure by providing an App that conveniently doesn't work, truly enroll their customer in Auto Pay, process payments, and apply late fees, requiring their customers to call in and explain the situation, hoping they reverse fees. The whole point of Auto Pay is ensure that payments are made to avoid late fees, but Capitol One does the opposite the first chance they get, using their Auto Pay enrollment as an opportunity to sew confusion and apply fees. Very sad in XX/XX/2018 to blame an App!
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

This debt was from a medical issue that dated back to XXXX 's with my parents, specifically my step fathers insurance. 

This debt somehow was passed down to me and still to this day reports on my credit report after it was bought and sold several times, despite it never being on my insurance as I was not of age. 

The company, choice recovery, bought the debt in XXXX of XXXX and the individual at the company even stated it would not have been my debt, but that they are a debt collector and have to collect any debts and accounts in front of them.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

Since The induction of the Public Service Loan Forgiveness ( XXXX ) I have contacted my loan servicesor, XXXX XXXX XXXX XXXX XXXX and the Department of Education regarding the payment plan and application. Each year I was informed that I was in t he correct getting payment plan. As I would be told by a representative that I was in the correct payment plan and that I am in the program for the PSLF. 

As I do each year, I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was informed by a representative that I was not in the correct payment plan, and they would have to transfer my payments to XXXX XXXX XXXX. 

When I had my payments transferred to XXXX XXXX XXXX, I was told by their rep that I was not in the correct program and that I only had 20 qualifying payments for the PSFL. 

I dont know which servicesor provided the correct information. I believe that pay more qualifying payments. 

I called MY XXXX XXXX XXXX today and spoke with agent # XXXX. He was extremely patronizing and disrespectful regarding my student loan information.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (NY)

I had a club calson hotel credit card with US bank for many many years, with a credit line of XXXX dollars, which I believe I deserve more but since I did not use it I never request any credit limit increase. 

Recently due to operational issue they mandatorily tried to shift my hotel credit card to USBank triple cash visa, as by that change from what I consulted I will loose all the welcome offer, I had chose to close my account and re-apply for the triple cash. 

Please be noted that so many years since my small business established I had never missed a payment and without any default events, so did my personal credit profile. If I reapply, I should be able to get a credit line of more than XXXX dollars. Then eventually approved for only XXXX dollars for my new application and I requested for the credit line increase and they rejected it for the following reason ( from the letter ) : 1. High balance on existing accounts That does not make sense as I have small business credit profile for so many years, 7 years at least and I constantly carry balances with my credit card, even with USbank club calson card when they have transfer promotions, it's a common financial tool should not be considered as risk. In addition, I have perfect personal and small business credit profile. What's more, during the pandemic, it makes great sense for a surviving small business to carry some balance but not default on you right? Most of companies provide great tolerance on these days, can not imagine they are being tougher.

2. Account recently opened.

3. Need 6 month payment on this account.

Above 2 reasons makes no sense at all, during communication with their customer service I specifically refer to my old closed accounts have XXXX dollars credit line and had flawless payment history. By the way what does 6 payments in this account mean? Is that the way to view a credit profile? Other payments from credit bureau does not account? Only the balance on other credit card from credit bureau counts? 

Another bad thing about this is, which is very bad, on their welcome offer, they said 2 specific benefit which attract me, one is the spending of XXXX dollars to get a XXXX dollars cash back, and the first 15 month of promotional XXXX interest period, on top of which they gave me only XXXX dollars, it's not acceptable. They are ruining my benefit by limiting my credit line for unacceptable reasons.
Consumer complaint received 2022-01-22
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. (IL)

I have previously disputed with transunion, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Opened a Business Home Depot Commercial Credit Card XX/XX/XXXX. Account had charges of {$160.00} paid on XX/XX/XXXX. The account was assessed late fees and other fees. I was not aware of charges and did not receive statements indicating there had been charges on the account until Citi Bank called me indicating the account was past due. I stated so Citi Bank since I did not receive statements and was unaware of the charges, it was unreasonable to request these fees be paid. I stated I would not pay for the late fees and demanded for them to be removed as I paid the charges in full. Citi Bank did not comply. XX/XX/XXXX I received a written notice from Citi Bank indicating the account was delinquent by {$35.00}. I have not received any documentation from Citi Bank since XX/XX/XXXX until this notice I received in the last week of XX/XX/XXXX. I have disputed these charges in XX/XX/XXXX and am disputing them again. I spoke with a Citi Bank collections representative XX/XX/XXXX and he indicated the balance was {$99.00} and the account has been sent to a collection agency. Representative would not indicate the discrepancy in the amounts of {$35.00} and the {$99.00} and attempted to redirect me to the collection agency, I denied. This account was closed by Citi Bank in XXXX. I can not access the account online nor any statements. I have requested statements from Citi Bank and representative indicated the request will take 30-60 days to receive statements from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-08-24
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. (NY)

I have sent 4 letters to Transunion and the return receipt number is included in the Letter. 
I have sent them letter after letter and they have not removed any of the information that I have made them aware of being fraudulent. 
I am submitting the other letters as proof of me having sent the letters. the only letter that is notarized is the final letter stating that court is going to be the next course of action. XXXX has promptly deleted all information that I have requested of them and we are in the dispute settlement process as we speak.
Consumer complaint received 2022-08-24
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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. (TX)

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Equifax and XXXX notifying them that they were in violation of the FCRA and of requisite XXXX XXXX Complaint reporting standards. I have the right to a fair and accurate report, but Equifax and XXXX are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. Equifax, XXXX, and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Consumer complaint received 2024-11-17
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. (VA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.