davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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  :
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

In early XXXX of XXXX  I used my Citi bank online app to locate the current total payoff amount for the credit card. I made a final payment to pay off the total balance on my Citi bank credit card. The Citi bank website app gave me the option to pay off the total balance and I did. I then called customer service to request the account to be closed permanently. They closed my account and never mentioned anything about additional fees following the payoff amount and closing the account. As of XX/XX/XXXX I contacted them about an email stating that I owe additional fees and late fees on the account. I explained that they were not correct with attempting to charge me additional fees after paying the payoff amount and closing the account. They continue to charge me the fees and will affect my credit score. I need this resolved. Thank you
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MI)

Hello, I have not really had any problems using Citi since opening the account. This week I have had transactions declined my account frozen with no explanation. I asked for a daily transaction increase from {$5000.00} to {$10000.00} and was told it was applied but then it was not there. I have tried using online banking or my debit card on other accounts and been declined. When I call Citi I have to get through the gauntlet of customer service automation which refuses to connect to customer service. I have tried talking to supervisors and been hung up on. My account is currently frozen and I have no idea when I will have access. 









XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX RE : Identity Theft Victim To whom it XXXX concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MI)

Discover card website implies two things. Under question and answer section on their website. 

1. If you pay bill in full there no interest 2. There up to 25 day grace period on new charges. 


A. For XXXX to XXXX billing ( due XX/XX/XXXX ), I was charged interest even though bill was paid in full by cycle date. XX/XX/XXXX in amount XXXX. XXXX to XXXX in amount of XXXX I was told reason is if you did not pay full bill the previous month. So it should read no charges if you pay bill by cycle date, AND you did not have any unpaid balance previous month. This is very confusing. 


B. I was lead to believe there grace period. However, current charges were added with previous unpaid balance, to calculate daily average, causing me pay much higher interest. 
THis was done XXXX to XXXX ( XXXX in new purchases ) ( XXXX to XXXX ( XXXX new purchases ) XXXX to XXXX statements of 2024 ( XXXX in new purchases ). 



Q and A is very misleading. NO where does it state there is no grace period unless you pay balance in full, and previous monthly balance was paid off!!!!!!!!!!!!!!!!!!!!. 


I realize these rules are in agreement I signed, but there website is misleading so they can profit more. I would ask for a refund of XXXX and XXXX. I eat the rest. Pay off the credit card company in full, and realize the bull XXXX in future when making future choices. 
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Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC (TX)

I started getting his phone calls a few times a week saying that I owe about {$1500.00} due to back debt with a company called XXXX. I explained to the caller that I have no recollection of this debt. I asked every time he called for him to give me any proof of paperwork on this debt. Nothing was given. 
I asked for the email address and mailing address and was not given anything. When I try to call back the number that called me it's a fast busy. 
I've never received about XXXX phone calls from this person and they progressively get more threatening and rougher. I have engaged with an attorney and I gave the caller attorneys information multiple times and every time I do that, he laughs and hangs up on me.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NV)

US DEPT OF EDUCATION-CFPB Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education. 

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. My transaction history is not public information and under terms and conditions it clearly states they will not disclose any transaction information to a third party..Please remove all transactional history or any financial details listed therein my credit report.
Consumer complaint received 2024-07-08
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 have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 
Specifically, regarding the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (OH)

I am disputing the accuracy of an account listed on my credit report by XXXX XXXX XXXX account # XXXX, which is marked as " Charge Off. '' This account should not be on my credit report, as the information is incorrect and the account should be removed entirely. 

I have previously contacted the credit reporting agencies TransUnion and XXXX, and the creditor XXXX XXXX XXXX to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit.

I request that the Consumer Financial Protection Bureau intervene to have this account completely removed from my credit report. 

To verify the accuracy of this information, I am requesting the following documentation from the creditor : 1. The original signed contract or agreement for this account.

2. Full payment history, including dates and amounts of all payments made.

3. Documentation of the charge-off, including the date and reason for the charge-off.

4. Proof of notification that I was informed about the charge-off.

If the creditor can not provide this documentation, I request that the CFPB instruct the credit reporting agency to remove this account from my credit report entirely.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (SC)

Information was linked to the dark web on XX/XX/2024. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!
Consumer complaint received 2024-06-20
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. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MI)

The name of the credit card company is ASPIRE, and the card was issued through the XXXX  XXXX XXXX. The explanation of events depicted on the earlier page within your complaint process sums up everything to date. 

However, I want to reemphasize that the LAST customer service representative I spoke with assured me that the request for paper statements after cancelling my card for my protection would be granted. 

I have yet to receive a paper statement, instead, all I receive is repeated text messages asking me to pay {$89.00}. 

I made it perfectly clear that I will not make another electronic payment based upon the agreement made.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to formally address an issue concerning the handling of my claim # XXXX. On XX/XX/year>, I submitted detailed information related to this claim via email to XXXX, as directed by your earlier correspondence. However, I recently received a denial notice dated XX/XX/year>, which incorrectly states that I did not provide supporting information for my claim. 

I would like to address the following points : Submission of Documentation : I have attached copies of the emails I sent on XX/XX/year>, along with the relevant documentation to support my claim. It appears there may have been an issue with the receipt or processing of this information, as your recent communication indicated it was not received. 
Claim Denial and Merchant Information : Your denial letter mentions that {$100.00} of the claim was considered valid based on information provided by the merchant. However, I have not been provided with any written documentation or specifics from the merchant to contest this amount. This lack of transparency prevents me from adequately addressing the validity of the disputed amount. 
Lack of Investigation : It has come to my attention that despite my attempts to resolve this matter, there has been no meaningful review of the complaint. Additionally, I have not received a thorough investigation into the details of my dispute, as indicated by the lack of response or review of my recent complaint. 
Given these issues, I respectfully request the following : Re-evaluation of the Claim : Please re-evaluate my claim in light of the attached documentation and the concerns raised regarding the lack of proper investigation. 
Provision of Merchant Documentation : Provide me with written documentation from the merchant regarding the {$100.00} deemed valid, so that I can address and refute any discrepancies. 
Confirmation of Receipt : Confirm the receipt of the attached documentation and ensure that it is reviewed as part of the claim process.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (CA)

I recently applied for a XXXX XXXX XXXX XXXX and Comenity Capital Bank sent me a letter stating that my account was frozen for security purposes and listed XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX as the XXXX credit agencies to contact to lift the freeze. I contacted each of the agencies and they said there is no freeze on my credit report. I contacted each agency on XXXX after receiving the letter. I called Comenity to tell them that the agencies showed no freeze, so they processed the application again and said there still was a freeze but could not tell me which agency was freezing the report. I contacted each agency again on XXXX and was told the same thing. I called Comenity back again and was on hold for at least 30 minutes while the agent and another department reviewed my application was told the same thing. My XXXX report show that Comenity/XXXX  obtained a copy of report on XXXX, and my credit score dropped by XXXX points because of the hard inquiry. I should not have XXXX points deducted from my credit score for information obtained and not used. I feel this is a discriminatory practice.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

A purchase was complete to put, a science negative through proceess and an amount appeareeded. Of a negative, minus. I did not purchase it. 

Then a science debit card was deleteeded to issue procees an other. I did not control it. A technical control of The Phone comunication to business pay service did not let, control of My account complicate, as it. Is. I attacheeded, manipulateeded proceeseeded through revision of the complaintes to ic3 and I did mention for the previous, complaint it was altereeded there an did change through technology. 

Service. There I did not know, stretch an other. Complaintes to keep " though '' complaintes are against, me through ic3 there as an other procees an problem occureeded to happen at. XXXX police. 

I did not give this. Business my social sec. no. As, it appear to be through there System. Then d/b/a seames to occur through a different bank. A business bank fraudeleant got my data to report through a credit bureau there as the purchase did not occur through this. Bank.
Consumer complaint received 2024-08-19
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: BARCLAYS BANK DELAWARE (TX)

See previous complaint # XXXX that was closed after Barclays responded . In their response they provided a credit application with a scribbled line representing my signature. This is a falsified/fraudulent document. My personal information has been used to apply for credit that I didnt authorize. I sent Barclays another letter dated XX/XX/year> explaining that I didn't complete the document provided. And according to a billing statement I received, the transaction on the credit card represents " Wyndham XXXX XXXX XXXX' from XX/XX/year> for {$4100.00}. I didn't authorize this purchase. I requested a contract/installment agreement/Truth in Lending statement or something that will evidence my approval of this purchase. As this is fraud, I took the liberty of reporting this incident and improper use of my personal information to the XXXX XXXX police department as Im sure it will be needed to further their investigation. The report number is XXXX.
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

We got a insurance check from our insurance to rebuild our house or buy a new house our mortgage company asked for all these documents to rebuild and we turned them all in but then we call and they need a new paper or we didnt put our loan number or dated or signed it always something new we have contractors and ready to go and they wont send our money we are almost out of benefits from insurance