davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

Early in 2021 I converted a Citibank Black card with an annual fee of {$450.00} to a Citibank Platinum Card since I would not be using the access to the XXXX XXXX XXXX lounges due to the pandemic. After numerous phone calls I finally was told I would get a credit of {$450.00} and I received a written communication of this adjustment on XX/XX/2021. I was told it would take up to 2 billing cycles to take effect. I called after the XXXX billing cycle and was assured this correction would be made but was charged an interest and late payment fee that was reversed. I called again after my XXXX billing cycle ending on XX/XX/XXXX and again the late payment fee was reversed but not the interest charge. At this point access to my credit card was cut off and charges denied due to the account being overdue. In addition, a derogatory reference was placed on my credit report. I called again on XX/XX/XXXX and the fees were reversed but was told I still had to pay the past due balance which resulted from the {$450.00} charge and created a minimum payment amount of {$35.00}. On XX/XX/XXXX I called again and finally theoretically had the {$450.00} credit applied and fees adjusted but was told I had to make the minimum payments which now approached {$100.00} even though after the adjustment I had a credit balance of {$37.00}!!! Again, for the third cycle derogatory references were put on my credit report. I am looking for some sort of financial restitution for my time and the derogatory references that were put on my account. I have never had a late payment for over 30 years of credit history. I tried to get a hold of the Office of the President but nobody would give me a number. I sent an email to the CEO of Citibank, XXXX XXXX and also left her a voicemail on her cell phone. This was done at around XXXX on XX/XX/XXXX and I have not heard back to date. I want the consumer to be protected from Citibanks predatory practices. I am better at standing up for my rights than most people and am attempting to make things better. Without enforcement action and stiff penalties companies like Citibank will only make things right for those that pursue action and the general public will be taken advantage of.
Consumer complaint received 2024-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Common Wealth Mortgage Services (UT)

this took place around XXXX XXXX XXXX I will find exact dates as we proceed further if need be. Recently i was struggling to make my mortgage payment after a Cash out REFI and then due to the unforeseen circumstances with XXXX and work related injury. 
I was told the few options I had to keep current standing with my mortgage, as I had paid my mortgage on time with no late fees for XXXXXXXX XXXX Intercap lending Offred me the forbearance program and it seemed like it would help me at the time. Shortly after that first payment modification I suffered a work related injury at my job with XXXX XXXX XXXX XXXX. i was told the forbearance had gone away and i could do a loan modification. 
I specifically asked them what it would intel. They advised me i needed to be XXXXXXXX XXXX late on my mortgage and then the option to reduce my monthly payment would go in effect. 
I aske d them if this would hurt my credit that i worked for so many years to get established with good credit!, they advised it does nit effect your credit score and will not show up as a late if your in the modification and resume normal payments when its over. 
Long story short it showed up as Late payments on my credit report which destroyed my credit! and my house payment went from a XXXX XXXX term toa XXXX XXXX  term and higher payment. I'm tapped out now with options to lower my mortgage and get better rates. 
I believe they were dishonest in there doings and when i confronted the manger in that department, he stated '' rules Changed " during your modification. 
i was speechless!!!
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I referred XXXX XXXX to the Chase XXXX Ink card on XX/XX/XXXX. He signed up and was approved with a $ XXXX limit Upon referring it said I would get XXXX points. However, I never got those points. I want Chase to give me the points as promised at the time of sending the link and successfully referring my friend
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (TX)

On XX/XX/XXXX, around XXXXXXXX XXXX  in the morning, two men arrived at your residence on XXXX XXXX in XXXX, Texas. They claimed to be repossession agents from a company called XXXX XXXX and stated that they were there at my House to take my XXXX XXXX XXXX XXXX Truck due to an alleged repossession order from a company I never heard of named Loan Mart in California. 

Despite my peacefully objection, protests and insistence that I owned the vehicle outright and had no knowledge of any loan or title lien against it, the men proceeded to hook up my truck for removal. I mentioned feeling threatened as they appeared to have guns visible on their waistlines. 

After this unlawful repossession took place, I contacted the local police department in XXXX for assistance. However, they informed me that it was a civil matter and declined to get involved at first. 

Feeling distressed by the situation and experiencing financial losses due to the unauthorized seizure of my vehicle, I am seeking intervention from the Consumer Financial Protection Bureau to investigate the matter and ensure that my consumer rights are upheld. If XXXX XXXX and Loan Mart do not return my truck promptly, I plan to pursue legal action against them. 

I have filed a police report with XXXX XXXX XXXX ( report number XXXX ) I can email XXXX to intend to obtain a copy of this report within five business days following XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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


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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (FL)

I already filed this complaint but it does not show here My father had an Amerprise Visa card but passed away years ago. I was put on the card prior to that as an authorized user. Several years ago we called to cancel the card and were told it was closed. Recently I found out, they never closed it and have continued to charge him a {$150.00} annualfee. every time I called, I got the run around with them telling me i needed to put this dead person on the phone to close the account. I recently a recent bill showing they have taken over {$500.00} from the balance on this card. Today I received a letter from them where they acknowledge they know that XXXX XXXX is deceased. They are well aware I am an authorized user on this account. They are playing games in order to continue to charge the membership fee. Please find this company, and see to it that they close this account and refund all the money they have stolen from it.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (HI)

SIMM ASSOCIATES INC. is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with SIMM ASSOCIATES INC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. SIMM ASSOCIATES INC. is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (TX)

Unauthorized Credit Inquiry by Your Company on my Credit Reports While checking my personal credit report, which I acquired from [ XXXX XXXX XXXX XXXX / SUNRISE CREDIT SERVICES ], I noticed an inquiry made by your company. 
I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either email me a copy of my signed authorization form that gave you the right to view my
credit within five ( 5 ) business days so that I can verify its validity.

If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records.

Please send me a written confirmation that you have complied with my requests.

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed my credit profile and noticed I have 2 inquiries that don't belong to me. I reached out to Equifax to have them removed. I also filed an FTC report and Equifax has not removed the inquiries.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc (NH)

I have an account with Blockfi.com. It's a cryptocurrency savings account. In lieu of the recent issues with XXXX, I am unable to withdraw funds from my account. When I opened the account ( and everytime I receive an email from them ), they say that my funds are always available and that I can withdraw at anytime. However, they now put a freeze on all withdrawals and I fear that my money will be lost forever. I need these funds to pay for my son 's college tuition.
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I reached out to my XXXX  in which I utilized in order to obtain a loan for my XXXX  XXXX XXXX XXXX door utility. I utilized my gap insurance and the amount has been paid off in total which equals to {$23000.00}. I called my XXXX  on Monday XX/XX/2022 and wanted to accelerate the process in which they report the full payment to the credit agency. They said they can take up to an entire 30 days but from I was informed the Consumer Financial Protection Bureau can help me resolve my matter in 15 days. I am trying to purchase a new vehicle and would be very grateful if this matter gets resolved in order to have the appropriate score to qualify for a good rate. Thank you and I'll look forward to hearing from you.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XX/XX/year>, I had purchased a car that was financed through the firm Credit Acceptance from a dealership. 
After receiving the car, making the monthly payments on time and driving it from a few months, it was unexpectedly wrecked by a weather event and most specially a hurricane that damaged the car on the XXXX of XX/XX/year> in the XXXX region. 
I then started a Total Loss procedure given the car could not be driven given the damage caused by the weather. 
My right to the total loss procedure is included within my financing contract with the firm Credit Acceptance. In such a case, the firm is responsible for the car and needs to cancel the outstanding amount. 
However, after starting the total loss procedure and cancelling the monthly payments given the nature of the contract and the state of the car, the firm disregarded the numerous emails and documents that I have sent them pertaining to that procedure and said that I have not send any documents within the 120 days period notice, cancelling then my right for the total loss. 
Now, my car is still badly damaged, non-functioning and despite the total procedure, the credit firm is negatively affecting my credit report by displaying late payments in my account and still showing an outstanding amount of {$21000.00} that I should not be paying in normal circumstances.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

I was the victim of identity theft and fraud and my Discover card was used unauthorized and Discover is not fixing the balance they are reporting I need the balance to be corrected I have the police report as well but the size is too big to upload on CFPB
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: EQUIFAX, INC. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

On XX/XX/year>, I submitted a comprehensive dispute package to Experian regarding several fraudulent accounts that were opened without my knowledge or consent. This package included the following : A police report ( Incident # XXXX ) documenting the fraud. 
A request for GAAP-compliant verification of the disputed accounts. 
Proof of identity, including a government-issued ID, Social Security card , and utility bill. 
An SEC report. 
Despite providing all required documentation, Experian failed to block or remove the fraudulent accounts. Initially, on XX/XX/year>, Experian refused to block the accounts, citing reasons like alleged errors in my submission or the claim that I knowingly benefited from the transactions. On XX/XX/year>, I resubmitted my documentation, this time including a formal FTC Identity Theft Report. However, Experian again refused to act, claiming that the police report was not valid, even though it contained all necessary information, including the officers name, badge number, and incident number. 

By law, under FCRA 1681c-2, Experian is required to block fraudulent information within 4 business days of receiving proper documentation. Despite the comprehensive evidence I provided, Experian violated its legal obligations by failing to take action. Instead of prioritizing consumer protection, Experian appeared to place greater emphasis on maintaining relationships with creditors, effectively prioritizing corporate interests over consumer rights. 

I also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year> ( CFPB # XXXX ) and another on XX/XX/year> ( CFPB # XXXX ), outlining Experian 's failure to comply with its legal obligations under FCRA. As of today, Experian has not taken any significant action to resolve these issues, and I have experienced financial and reputational harm due to the fraudulent information remaining on my credit report.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (UT)

I paid my American Express Delta card one day late due to the global IT outage that affected airlines and many financial entities on XX/XX/XXXX. The money to pay the bill was coming from XXXX which was down for 3 days. I have about {$1000.00} in related interest charges. Ive gone through all the appeals processes with American Express and they will not refund. Ive been their client for 27 years, spending $ XXXX plus a year. 
Since then, Ive paid my bill weeks early. 
My argument is falling on deaf ears after many hours on the phone.. Horrible customer service.