davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX, I lost my credit card so I called CITI to order a replacement card, then I was told to wait for 7-10 business days. But after 2 weeks, I did not receive my card, I made several phone calls then, every service representative had their own version, a supervisor even told me to wait for 3 weeks because the card was requested to send to my foreign address ( I am asking them to send the card to my XXXX address because I am studying abroad for this year ) Then on XX/XX/XXXX, a representative said she would issue a new card and should have received it in 7 days, after the time, I called them again, and another guy said no one had ever issued a new card for me. They just kept me wait again and again with even no updates. 

Later, on XX/XX/XXXX, someone canceled the previous two accounts and claimed to issue a new account, and again told me to wait for 10 business days. The card was sent on XX/XX/XXXX according to their statementI still received nothing till now. 

There are a couple of points I feel angry : 1. The last time I called them was on XX/XX/XXXX, they stated that because I am currently abroad, not in the U.S. they could not send me a card, but actually I requested on last XXXX and XXXX due to card stolen, they did send a card to me in 5 days. Why this time it would be such a problem? 

2. I called several times, no one has ever tried to help me with the issue. I understand they need to confirm with my identity with the phone number on file or other info. but I explained a lot that I am not in the states I could not use that number, so I always provided the account number which used to pay for the credit card to finish the confirmation process. Why this time they could not do like this? 

3. Nothing has ever sent to me like the tracking number and the card updates, they just keep me waiting for almost 2 months with no explanation. I don't want to hear '' I am sorry but there is nothing I can do with '' anymore, because it means Citi group does not have the ability to solve a problem, even not a big one. What's more, when I tried to calm down myself and not lose my temper, they always are impatient to me. 

4. For the last time when they issued a new card on XX/XX/XXXX, I got a mail from Citi on XX/XX/XXXX said my account had been approved and I would soon receive my card. So there is not possible to attribute their fault to the delivery company because the address is correct and I can receive mail from Citi. I am really tired of hearing excuses like this.
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (FL)

My name is XXXX XXXX and I used to live in XXXX XXXX XXXX XXXX, XXXX XXXX Florida. I always paid my bills on time I have 100 % of payment on time on my credit report and I was just blindsided by this negative report made by ideal collection service. It was regarding {$64.00} and I never got a letter or a phone call saying that I had this depth regarding water bill thats what they say to me when I called Them yesterday. I take care of my credit very closely and I really care about my reports and I do my best to be on top of my hundred percent payment on time all my payments are automatic pay so I will never forget about them. I never got any phone calls from XXXX XXXX or the collector office. Im really upset that my credit decreasing 42 points over {$64.00} that I have no idea that I had to pay. I found out that yesterday and I already filled out a check and I send it out to Ideal Collection. I think what they did wasnt fair. They hurt my credit bad. Im really upset about this and I hope they will remove this bad report after my check clears up. 
Sincerely XXXX XXXX
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

During a period I was XXXX  my phone was stolen which all my financial information was stored in and used for a number of unauthorized transactions. I tried to resolve the matter by calling the merchants in which they advised me to contact. My financial institution. I found a formal dispute will navy federal then then after the investigation I filed several appeals but still wasn't granted a refund. Due to the matter it placed me in a real bad financial hardship situation. The dates and times that is took place are as follows : XX/XX/22 The Amount of {$13.00} XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$440.00}, XX/XX/22 the amount of {$2.00}, XX/XX/22 the amount of {$14.00}, XX/XX/22 the amount of {$18.00}! XX/XX/22 the amount of {$230.00}, XX/XX/22 the amount of {$390.00}! XX/XX/22 the amount of {$260.00}, XX/XX/22 the amount of {$17.00}, XX/XX/22 the amount of {$18.00}, XX/XX/22 the Amount of {$35.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$16.00}, XX/XX/22 the amount of {$20.00}, XX/XX/22 the amount of {$40.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of {$69.00}, XX/XX/22 the amount of a {$130.00}, XX/XX/22 the amount of {$180.00}, XX/XX/22 the amount of {$350.00}, XX/XX/22 the amount of {$18.00}, On XX/XX/22 the amount of {$71.00}, XX/XX/22 the amount of {$11.00}, XX/XX/22 the amount of {$110.00} on XX/XX/22, the amount of {$400.00}, On XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$200.00}, on XX/XX/22 the amount of {$10.00}, On XX/XX/22 the amount Of {$1.00}, On XX/XX/22 the amount of {$980.00}, on XX/XX/22 the amount of {$24.00} on XX/XX/22 {$23.00}, XX/XX/22 the amount of {$1.00} on XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$4.00}, XX/XX/22 the amount of {$16.00} XX/XX/22 the amount of {$27.00}, XX/XX/22 the amount of {$80.00} these dates and amounts reflects 2 different checking accounts both within Navy Federal. Acct # XXXX and acct # XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my XXXX, TransUnion, and XXXX credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2019 at approximately XXXX, I deposited XXXX dollars at the US Bank ATM machine located in the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX California XXXX The sequence of the bills deposited were XXXX, XXXX dollar bill and XXXX XXXX dollar bills. The ATM machine malfunctioned and began making a shuffling sound and eventually returning the XXXX dollar bill but it kept the XXXX XXXX dollar bills. On the screen it asks me how much I deposited and I replied, XXXX dollars. A receipt was given by the machine along with a statement saying, " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX XXXX XXXX so we can assist in the return of the items ''. I deposited this money into the ATM trusting that it would be used to pay a bill that would hit my account days later. Although, the bills were paid by the bank as they were electronic payments and taken out monthly, others charges were incurred like overdraft fees over one hundred dollars. Also XXXX XXXX and XXXXXXXX was directly deposited into my account. It was immediately taken to cover the overdraft fees that occurred because of the machine malfunction. I called the US Bank to ask them to return the funds that had been direct deposited into my account and I was told once the deposit is in the account, they could not reverse it. I explained to them that I am on a fixed income and needed that money to live on. Still Days have went by and nothing has happened. The money that was taken by the US Bank ATM was Thursday XX/XX/XXXX and it is now XX/XX/XXXX, and the direct deposit that was made on the XXXX for my living expense I still do not have it and its now XX/XX/XXXX. I called US Bank again today, XX/XX/XXXX and talked with a teller that told me that it may take up to 10 business days before I could receive a credit which would make it around the XXXX of XXXX before I would receive any money. I am retired and on Social Security and a fixed income and this ordeal is very unpleasant. What can I do?
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I recently removed my credit report and noticed an account that was reporting inaccurately. I have XXXX, 30 day late payment on my XXXX XXXX XXXX  XXXX, XX/XX/2021 that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-08
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate information was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX 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 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 on those accounts 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. 


XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 the months that I was 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.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

My account with XXXX XXXXXXXX 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 XX/XX/year> 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. 


XXXX 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 m
y 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 information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX - XXXX 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 me 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 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. 


XXXX XXXX XXXX - 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!