davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Three interactions with citi cards customer service : XX/XX/XXXX : Called to ask why I had not received a replacement card for a Double Cash credit card expiring XX/XX/XXXX. I was told that the account was under review, but was unable to be connected to a supervisor due to high call volume. Was ultimately told to try calling back at midnight or early in the morning, both not feasible given my work schedule and household duties. Was told the line was 24 hours, but when I called back later that week at XXXX on a friday got a message that lines were closed and I should call back during Monday-Friday business hours. 

XXXX : Finally able to take the time to call back and follow up. Was connected to a supervisor who was able to confirm that the account was under review, told me I should have received a letter a month prior ( never received ). The supervisor helped me to submit a request that they reconsider the decision to not renew my credit card, as I need access to this line of credit. My credit score is not great, I am working to repair it after COVID-related financial difficulties ( thus wanting access to this line of credit ), and I was NOT told that the request for reconsideration would involve a credit check, which further lowered my score. Had I known that, I would not have bothered with the request. I was told that I would receive a letter by the end of the week with more information about their final decision. 

XX/XX/XXXX : I did not receive any letter, so followed up a third time to try to resolve and get some transparency around what is happening. I was connected to an extremely rude agent who interrupted and spoke condescendingly to me. He told me a letter was sent out on XXXX, which I did not receive, and he told me I should be able to see the letter online but was unable to confirm where ( I am still not able to find it ). He finally offered to connect me to their IT department to help me find the letter online, but I was disconnected.

I have spent over three hours on customer service just trying to understand what is happening with my credit card. They perhaps did send out the letters and other requisite communications on their end but I have yet to receive anything. At this point I do not need this card reopened, that would be great but I do not trust their customer service to handle things correctly. I just want the letter from them that details why the request to keep my card open was denied, so that I can work on those issues for future credit card and financial product applications going forward. I am a working mother and do not have time to waste being passed around customer service with no resolution. Ultimately, while it is their prerogative to not renew my credit card, it IS their responsibility to communicate their decision with me and not only did they fail to do so, they failed repeatedly after multiple followup attempts on my end.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new complaint to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

I was charged multiple different times today, XX/XX/XXXX for a company called XXXX XXXX  the transactions total of {$540.00}. No idea who these charges are or what this company is. This is the second time this has happened with Venmo
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

CBNA ACCOUNT # XXXX For over two years, I have been disputing CBNA to have this account removed from my credit report. I formally challenged the accuracy of the information reported by XXXX, XXXX, and XXXXprivate companies that collect and sell datadue to the inaccuracies present. I am frustrated by my repeated attempts to have this information removed, only to be ignored by the company. This situation has negatively impacted my credit, preventing me from applying for loans and lines of credit, resulting in higher interest rates and denial of credit access. 

I AM protected by law and CBNA IS BREAKING THE LAW 15 U.S. Code 1666b 15 U.S. Code 1681e
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I made my XXXX student loan payment and submitted my XXXX application on XX/XX/year>, checking the box requesting administrative forbearance. I submitted this both to Mohela as well as XXXX XXXX XXXX ( as they took over XXXX in XXXX ). XXXX has noted that I made XXXX payments, am in administrative forbearance, and am due for forgiveness this month. Mohela is still trying to bill me. They do not have me in forbearance-despite my request on the form and the fact XXXX has me in forbearance. They claimed I missed a payment in XXXX, but they never billed me, I was on autopay anyway, and they should not be attempting to collect payment while I am in forbearance. They have also attempted to bill me for XXXX. As the wait time when you call is 3-4 hours, I deleted my bank account information and am waiting for XXXX to hopefully process my application this month. I need Mohela to update their records to note I'm in forbearance and remove the claim that I have past due or currently due payments.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 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. 


XXXXXXXX XXXX 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 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

In XXXX of 2024 we were in default with our mortgage company and XXXX XXXX contacted me and said they could help. They said it would cost XXXX and they would need it up front before they could do any work on this so we paid XXXX for 5 month which I am now informed that this is illegal and they were not allowed to ask for payment upfront. After we finished paying them then they start on the modification for which I was only informed that the bank did not accept our application until last Tuesday and now our house is in foreclosure and has a sell date of XX/XX/XXXX. We have been trying to get a hold of them but they will not return my phone calls or my text. They did send our file to an attorney they work with who is now going to charge us XXXX for their services. Can you help us with this?
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I have been with AMEX since 2022 originally approved for a credit limit of {$12000.00}. I used the card and it is currently paid off. I decided to open a new card, XXXX XXXX XXXX, with AMEX that would allow for balance transfers. After approval I reallocated my credit limit to the new card leaving {$1100.00} on the previous card and bringing my new card to {$11000.00} available credit. During the application process online and while speaking with an associate I was never informed that the balance transfer would depend on " credit worthiness '' and my balance transfer was capped at {$750.00}, I needed to transfer {$2900.00}. I was floored when I found this out after going through so many steps and explaining my goal to every person that I spoke with. I attempted to appeal to AMEX with no success. I was informed that it was based on available card balance and external factors. When I asked if I could have what those external factors are I was denied any information. In their promotional content it states balance transfers up to {$10000.00} or 70 % of the credit limit, both of which are well within the range that I requested. I feel like I was taken advantage of and withheld information that would have impacted my choice of opening a new card with AMEX. I have a very good credit score and a positive payment history with the company yet I am not worthy of wanting to put my family in a better financial situation. That approach is disgusting and I want what I feel like I am eligible for and to complete the balance transfer of the amount that I mentioned numerous times over the phone.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (TX)

I, did not give consent for XXXX XXXX XXXX XXXX to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose. I have never done business with XXXX XXXX XXXX XXXX and have no obligation to them. I deny any and all claims and refuse to pay such alleged debt.
Consumer complaint received 2024-09-09
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: ROBINHOOD MARKETS INC. (CA)

I have fallen victim to a scam of an XXXX XXXX XXXX My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$33000.00}, but am unable to get my money back due to Robinhood Credit Inc. not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Robinhood Credit Inc.XXXX I have not yet paid any of the charges due to me still disputing the charges with them. Robinhood Credit Inc., along with the other credit card companies have told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Robinhood Credit Inc.. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX was in fact an illegal scam site, designed to lure people like me and steal their money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Robinhood Credit Inc. has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXXXXXX XXXX  is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (FL)

MY NAME IS XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX last XXXX of ss # XXXX date XXXX I have noticed 5 fraud inquiries on my credit report as a federally protected consumer I have the right to have these fraud inquiries removed I will list inquiries EQUIFAX INQUIRIES : XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete all inquiries listed above thank you 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2024-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY NAME XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX last XXXX of ss # XXXX I have pulled my credit report and I have seen multiple inquiries that are not mine these inquiries were never AUTHORIZED BY ME I never PERMITTED THESE INQUIRES on my credit I ask for a deletion of all inquiries I will list below TRANSUNION INQUIRIES : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681g - Disclosures to consumers
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: CITIBANK, N.A. (FL)

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX  Account number : XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and XXXX XXXX yrs old I have NEVER missed a PAYMENT EVER! 
these late payments are NOT Accurate. 
Thanks for your help, Sign Your Name
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (WV)

On Monday, XX/XX/year>, I stopped at a gas station to fill my gas tank up before taking my son to his XXXX XXXX  I put the card under my leg and when I got out of the car at the field, my Truist credit card fell to the ground ( unbeknownst to me at the time ). Someone picked up my Truist credit card and began using at at merchants close by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I work from home,  I did not try to use my Truist credit card in person until Friday, XX/XX/year>. At that time I realized what I had done, I dropped my credit card after getting gas. I immediately called Truist bank and asked to cancel my credit card. At that time, I noticed IN PERSON purchases from the merchants mentioned above which were not made by myself. I work from home and RARELY use my credit card IN PERSON during the work week. The purchase that triggered was the XXXX  ( I have a XXXX credit card and I would not use my Truist credit card at XXXX, I would use my XXXX XXXX XXXX ). I also would not use my credit card in person during the work week and any of the other merchants except XXXX XXXX ( gas station ). I also recognized purchases made by the other merchants mentioned above totaling {$480.00} which were fraud charges from my credit card being stolen. I have pleaded with Truist bank, and they have denied my claim twice asking to remove these fraud charges from my account. I have been a BB & T/Truist client for 20 years and dont believe I have ever made a fraud claim. I pay my full credit card balance on time every month in order to remain in good standing and avoid interest charges. I am baffled and saddened as to why my claim has been denied. I am asking for assistance with removing these fraud charges and the interest accrued from my Truist credit card account, so that I can remain in good standing with Truist. Thank you.
Consumer complaint received 2024-07-10
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (CA)

My account on Robinhood was restricted on XX/XX/XXXX, right when I deposited a decent amount of money to Robinhood. It has been a week and I tried contacting support twice over the phone about my case, and all they said was to wait for someone to review my account. I have about XXXX locked up in my Robinhood account, and I'm unable to do anything with it. I also have a credit card with this company and ever since my account was restricted, I'm unable to use it also.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS CAUSED SERIOUS DAMAGE.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Security Credit Services, LLC (NV)

Have sent XXXX XXXX XXXX XXXX and Security Credit Services my police and FTC report showing I was a victim of fraud. Sent my passport also. I have never had a account with XXXXXXXX XXXX XXXXXXXX XXXX. Also need a signature verification from both of these companies as to how they validated this account being mine.