davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

On Tuesday XX/XX/year> I receive an email from Barclays saying my AA advantage elite mastercard ending XXXX was delinquent. When I checked my credit score I saw it has significantly gone lower. I looked at my card history and remembered that back in XX/XX/year> I called Barclays and told them there was a {$110.00} XXXX XXXX fraud change and that I wanted to report the fraud and close this card that I never use. They confirmed that this will be done, but to my surprise on XX/XX/year> I have a {$210.00}. PAST DUE balance. 
When I called, the customer service representative said they had no history of my asking to close the account. That all they saw was fraud and that they resolved it. 
I said that information is not correct and I dont want to pay {$210.00} dollars for something I didnt USE! The representative was so insensitive and said SORRY he can not help. He said he could close my account, but the debt will always be there and always affect my credit. I asked and begged for a one-time courtesy credit and he simply said he couldnt. After much back and forth I was forced to pay {$99.00} to clear the account and close it. 
I want my {$99.00} back, I feel so aggravated that I am disputing a fee not an actual charge and they said NO! this is absolutely unacceptable and has never in my 40 years of great credit happend to me before.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

1st Call - XXXX XXXX XXXX I got a text message saying a package was returned with a phone number to call, I called and spoke to " XXXX ''. She questioned whether I could tell when a text message was sent to me, she then proceeded to ignore me for about 60 seconds as I asked questions then come back talk over me, and ignore me for another 5 minutes, after that. 

2nd Call - XXXX XXXX XXXX Second I spoke to " XXXX '', who verified my information and then transferred me to " XXXX '' who was very rude, he decided I need to be verified again to put in a simple report against an agent. He then lied and said he didn't have any of my information. When I questioned that I had been verified by XXXX, literally standard procedure for your reps before transferring a call to a supervisor, and had entered my credit card number into your robo system he relented he lied and did have my info but wanted to verify me. So I told him I wasn't confident he was a Citi rep and that he should do an alternate verification method and asked him to text me a code to verify. He said " no '', we had to do it his way only, and that if I didn't he would hang up on me. I told him ok then hang up on me and I would write this report to the CFPB, OCC, FDIC, and Federal Reserve, and he said thank you for giving me permission to hang up on you and then he did. 

3rd Call - XXXXXXXX XXXX XXXX XXXX Then I called again and spoke to " XXXX '' who verified me, and when I asked for a supervisor she literally just hung up on me, no warning, no talking literally just ended the call as soon as I mentioned CFPB, FDIC, Federal Reserve, and OCC 4th Call - XXXX XXXX XXXX XXXXXXXX XXXX I called " XXXX ''??? who refused to identify herself, this is the 4th agent who has made it impossible to get anything done by my financial institution... She had people talking loudly in the background and told me my phone was the problem, the one I had just spoken to 3 other agents on. I proceeded to explain to her the situation and for her to just give me her name and let me talk to a supervisor and she started on some nonsense to avoid giving her name. 


Call # 5 I can not receive FedEx packages, in the interest of my best financial benefits, it is Citi and Citi Banks Fiduciary Duty to note to never send me XXXX packages as they WILL NOT be received, and the evidence of this is the returned package that has had me spending XXXX minutes on the phone with your agents and seems to be yet still unresolved.
Consumer complaint received 2023-07-07
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. (CA)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX & XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX -Date opened XX/XX/XXXX - BALANCE {$380.00} XXXX XXXX  # XXXX -Date opened XX/XX/XXXX - BALANCE {$2300.00} XXXX XXXX XXXX XXXXXXXX # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date opened XXXX XXXX, XXXX - BALANCE {$990.00} Unauthorized inquiries XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-09-14
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. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX - BALANCE {$670.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$4800.00} Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$22000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$1600.00} Account Name : XXXX  # XXXX ( Original Creditor XXXX  XXXX  ) - BALANCE {$430.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
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. (TX)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
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. (TX)

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$370.00}
Consumer complaint received 2023-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, I am writing this complaint on my own behalf, there are no third parties involved. I sent a packet including an FTC identity theft report, proper identity verification showing proof of address and my passport, along with a statement writing to show the inaccuracies on my credit report with Equifax. This packet was delivered via certified mail on XX/XX/2023 to Equifax. The purpose of this dispute was acknowledged in my last CFPB complaint # XXXX. After reviewing my credit report, I noticed there were numerous inaccuracies. It is understood that consumer reporting agencies are obliged to maintain 100 % accuracy for all information furnished for a consumer. The inaccuracies I noted in my dispute and written statement were on the multiple noted inaccuracies of my report, notably the fraudulent accounts listed, that are a result of identity theft, and are inaccurately still being reported. These accounts include : XXXXXXXX XXXX  - Ending in XXXX - {$6100.00}, XXXXXXXX XXXX XXXX  XXXX - Ending in XXXX - {$2300.00}, XXXX XXXX XXXX XXXXXXXX XXXX - Ending in XXXX - {$4000.00}, XXXXXXXX XXXX XXXX  XXXX - Ending in XXXX - {$5400.00}. Please do be advised, that NONE of these accounts have any cents to the dollar listed as a credit amount. Which already is an inaccurate account, by way of improperly stating the total amount owed on these fraudulent accounts. It has now been over 5 business days since this dispute was filed, and delivered to Equifax. However, there has not been any acknowledgement from Equifax in the written notes section of these fraudulent accounts that any dispute is under progress. This is a large issue, as Equifax has a duty and RESPONSIBILITY as the furnisher for my consumer report to not only uphold a standard of reporting 100 % accurate information, but also to report each inaccuracy as under dispute within four business days of receiving the request by me as the consumer. Not to mention, NONE of these accounts have ANY written permission by me as the consumer to be furnished on my report. My rights to a complete and accurate credit report as well as my rights to privacy are being harshly violated by Equifax and I will not stand for it. Please review my attached documents for evidence in what has been sent in my efforts to resolve this issue.
Consumer complaint received 2024-09-14
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. (TX)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
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: CITIBANK, N.A. (CO)

XX/XX/XXXX - XXXX XXXX  billed me {$7000.00} for a {$70.00} charge XX/XX/XXXX - Dispute opened with CITI bank after XXXX XXXX told me they wouldn't be able to refund XX/XX/XXXX - Documentation sent for the first time XX/XX/XXXX - Incorrect resolution, they said I was responsible but never reviewed documentation or contacted XXXX XXXX  XX/XX/XXXX - dispute reopened XX/XX/XXXX - resent all documentation including original bill XX/XX/XXXX - sent new bill to CITI bank in which XXXX XXXX  claimed they had refunded the bank. I have not recieved a refund XX/XX/XXXX - CITI Bank withdrew the dispute, this was unauthorized XX/XX/XXXX - XXXX request to reopen dispute XX/XX/XXXX - XXXX request to reopen dispute XX/XX/XXXX - call in which CITI Bank confirmed I would receive documentation in 10 business days if the dispute is reopened
Consumer complaint received 2023-04-20
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. (DE)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: One Source Technology (MI)

On XX/XX/XXXX at XXXX EST, I attempted to dispute inaccurate items on my Asurint report that were inaccurate, of which there were many. However, when I went to obtain the form for disputing inaccurate information, their website returned a XXXX error. No other means for disputing this information were provided.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My 3 credit bureaus XXXX, Equifax, and XXXX have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak English and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Financial, Inc. (UT)

Well I got a email from scratch pay saying that it was paid and then something comes in the mail from you because they say that I owe scratch pay Money but I am not any of this I don't understand why they did this and I don't owe scratch pay anything because I didn't do this so can you please stop sending me stuff in the mail you don't have the right address in the first place
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (TX)

Issue, just graduated high school went off to college. I am on my mothers insurance and all Bills are sent to my mother who will handle bill if received. I did not receive a bill while in college nor knew that I owed a balance when XXXX  insurance company said my yearly deductible was meet. I have never spoke with this agency until I viewed my credit and called and ask a question. The lady on the phone was rude, got FLY and said You are responsible for this bill period. She did not give me any detail nor did she explain what was it for. I tried over and over to prob for more question but the more I did the ugly she was, it was just pointless. 

I felt so lost and did not understand why was I treated like a criminal. College student first year in college as a freshman did not have a job just a struggling student coming from a 1 parent household. My mother is handicap and does what she can to help me while in college and pay bills with her XXXX. Even my mother called and ask question but they are rude and told her he owes this bills. Now Texas does have the HIPPA LAW. They violated this. All info was given. My information should be private and not released to any one. When a payment was made HIPPA rights was violated, then years later Im still looking at this same bill.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XX/XX/XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

Home Depot card was being paid in lump sum amounts for those interest free for 6 months items and I NONE of the payments went toward the promotional items. 
I pay every month more then the amount is due for a reason.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There addresses phone numbers, and names I do not recognize on my credit report. 

NAMES XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX  : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX PHONE NUMBERS XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX
Consumer complaint received 2024-09-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The XXXXday delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.