davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XX/XX/XXXX ( one on XXXX XXXX and another one on XX/XX/XXXX - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. 
This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another.
Consumer complaint received 2021-05-13
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)

I request these fraudulent inquiries be deleted/removed from my Transunion credit report immediately. 

XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, and provided the police report and identity information to Transunion. Please delete these inquiries. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you
Consumer complaint received 2021-05-14
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: BARCLAYS BANK DELAWARE (CA)

I have a fraudulent account on my credit report, which I reported it to BARCLAYS BANK DELAWARE, yet BARCLAYS BANK DELAWARE is not removing this fraudulent account. BARCLAYS BANK DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BARCLAYS BANK DELAWARE Bank has refused to do this. The following is the fraudulent account : BARCLAYS BANK DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian has been furnishing my consumer report without my consent and for purposes not obtainable by law. Experian has violated 15 USC 1681b by furnishing my consumer report with no permissible purpose to do. They have cause me to not obtain credit because I was not notified of the allege reporting of unauthorized use. I have attached the accounts that have been listed for deletion. I have sent several complaints this past few months to Experian questioning accounts besides bridge crest which is a recent account not authorized for reporting and permissible purpose. They wrote back stating that the accounts were validated when in reality the only person that can validate an account is the original creditor of that account. Experian knows that the reporting creditors are not original creditors pursuant to 15 USC 1592g but failed to protect and delete the information per not able to validate. I will be suing for damages this has cause due to me not being able to obtain credit. And, the mental stress behind it. I called Experian a few months back and spoke to a rep who stated that the computer is the one that receives the information if an account was validated so they wouldn't know. 

I have attached my most recent dispute and demand that these account be removed within 5 days due to the continued lies and deceit of reporting incorrect information on my consumer report. I do not authorized these accounts pursuant to 15 USC 1681b 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-05-13
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. (MA)

I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as XXXX XXXX XXXX has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. XXXX XXXX XXXX has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. XXXX XXXX XXXX is in violation of their subscriber agreement with all three major credit bureaus, XXXX, Equifax and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from XXXX XXXX XXXX to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to Chrysler Capital. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans.

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX XXXX - XXXX, XXXX XXXX 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, XXXX AND TRANSUNION. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to Equifax XXXX XXXX XXXX XXXX  XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # 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 I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, using old out date information to trash credit score in order to sell product. Also an issue of red lining for profit and higher interest rates. Experian is using out dated information of old debts paid. Several old bills that was paid over 4 years ago, one bill being a XXXX XXXX XXXX account that has been paid three times and removed from my credit report many time. Medical bills that a dispute was submitted. The company offered a boots program ( using monthly history ) only to tell me that I did not have anything they could use and offer me a payment type of program. Using outdated information and old disputed debts that where removed. Experian has trashed my credit score costing me thousands in interest rates and credit for my business. They also attached a old credit card that belongs to my daughter and added to my debt to reflect on my debt to income ratio stating that I was using 72 % of my credit, this is not true! I've been paying off my debt to refinance my home and now I can not get a fair interest rate due to this misinformation!
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I signed up for a checking account with TD Bank in XX/XX/XXXX, while they had a " Earn {$300.00} '' offer for having {$2500.00} in direct deposits within 60 days. I fulfilled the requirements with two paychecks from my employer over {$3700.00}, but never received the bonus. 

In XX/XX/XXXX, I contacted TD Bank, who responded that " Upon review, our records show that your account did not receive the qualifying amount of direct deposits within 60 days. '' I argued otherwise, and then they claimed that " due to a promotional bonus earned on a prior account ... the account is not eligible for this promotion. '' I did have a prior account with TD Bank, but this was closed many years ago. At the time of signing up for this bonus offer in XX/XX/XXXX, there was no language to indicate that I would be excluded because I had previously earned a bonus. I have screenshots to prove this, and countless identical complaints from other consumers.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Citi Bank posted my payments 16 to 25 days after they were mailed for the months XXXX, XXXX, and XXXX of 2021 ; previously, they were posted 6-9 days. They charged me late penalties and interest, waiving the first assessment for the XXXX invoice after I complained. 

I subsequently complained in writing, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, about additional late fees and penalties, including late fees and penalties on contested amounts, noting the previous posting history and noting that other creditors to whom I mailed payments at the same time posted those payments in 5 to 7 days. Citi then waived the remaining fees and interest but reported the delinquency to credit reporting services, which resulted in a XXXX point and two rating category drop in my credit score from an " exceptional '' XXXX to a " good '' XXXX, now adversely impacting my ability to get a housing loan. 

I asked for proof of late payment in light of my evidence of timely payment. Today, in a phone call which was recorded, the Citi Executive Response Team from the Office of Citi President and CEO XXXX XXXX told me I'd have to get a subpoena for that information. 

I went to the Citi website to get a copy of the card holder agreement but was informed I had to request a copy online that would be mailed to me in 7-10 days. I requested it online but never received it. I then again asked for a copy of the agreement in writing, to which the Executive Response Team stated they would mail it to me in 7-10 days. I have yet to receive it.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NJ)

My simple account was taken over by BBVA. Rollout happened on XX/XX/08 and was a disaster. I was locked out of my account both online and through the app. No customer service available. 
I waited until Monday and tried again. I was able to get in through the web but kept getting knocked out. No access through app. I called customer service multiple times and was hung up on both times. 
Managed to move my money to my main bank account but I was charged for each transfer and now they want to charge me to close the account.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : EQUIFAX, XXXX AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

Recently audited my annual bank statement to better ensure my taxes for business expenses. I noticed a closed DISCOVER account from 2002 still auto-drafting $ XXXX/mo. I have learned from Discover card that I am paying approximately $ 30-35 in interest towards about a $ XXXX balance. They can't determine the original balance because it is too long ago. I have not received a bank statement, email or call regarding my account balance or summary. I have lived in my home for 6 years ... there has been no attempt to reach out to me regarding the returned mail. Instead, they have collected my auto draft payments for 20 years. 

I am flabbergasted a credit card company is not required to notify me of my balance at a monthly or annual basis. Much less, inform the consumer with balance, interest and principal payments. 

Today, I have paid about $ XXXX in interest for 20 years with little to no principle reduction. Discover offered me 3 months credit on interest which is approximately {$97.00} reduction to pay off {$1800.00}.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (MA)

I received a letter about an alleged debt for the amount of {$960.00} dated XX/XX/2021. I then began to receive phone calls about the alleged debt. The phone calls were rude they used obscene and profane language, the people I spoke to were combative didn't allow me to finish my sentences, they talked over me, didn't answer my questions, they asked me to confirm information they had about me that I didn't give them permission to have. at this point I felt harassed so after they called the second time I called them back and told them they no longer have permission to contact me by phone and all communication must be made through mail. I examined the letter and found a bunch of violations according to the fair debt collection practices act. I responded to the letter I received with an affidavit within that affidavit I listed all the violations I found with labeled exhibits. I had my documents notarized and sent them XX/XX/2021 via mail. it has been over 30 days and I haven't received a response to my affidavit or invoice.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (FL)

Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXI never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo closed my account without my permission and denied request to reopen. On XX/XX/XXXX I recieved a call from a rep indicating that they would resume service on card but failed to do so. Prior to that call I spoke with someone about options regarding card, thry mentioned that they would call me back but never did so, only to find out that the account was closed. I never missed a payment however late on a few due to covid related illness but always managed to maker payment. I fear that my business credit will be negatively impacted due to closure and was trying to avoid that. One individual stated that I wasting their time, I felt that comment inappropriate and felt that I was not worthy of being a valued customer. I just don't understand Wells Fargo way of doing buisness with small business owners. Please help