davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A. (CA)

I opened a XXXX mo CD with Citi that matured on XX/XX/XXXX. I started receiving marketing emails and snail mail telling me I had XXXX high rate savings options that I must decide on by XX/XX/XXXX. These materials all referenced my CD by number! 
I immediately tried contacting Citi to review my options. I called every customer support number I could find, but as soon as I select banking it wants my ATM number. I don't have one. Literally have called dozens of numbers dozens of times and had been unable to reach anyone who could help with my CD since I started trying on XX/XX/XXXX. No Bot offered an option to convert CD. Tried calling nearest branch ( XXXX miles away ) multiple times but auto attendant told me nobody was available and sent me right back to the main auto attendant! Dial XXXX doesn't work on any phone number. The bot won't give you a human. Dozens of transfers, few live agents that were extremely difficult to understand but none could help with this. Today alone I started trying every possible means to contact someone at XXXX west coast time. It is now XXXX XXXX and I finally found someone to CLOSE MY ACCOUNT! They told me that the grace period XXXX!! Again, I haven't been able to reach anybody to convert CD since XX/XX/XXXX. I needed to put some of the money into my checking account and the rest in savings. Because of the horrible customer service, I was forced to closed the CD and take a {$700.00} penalty all because there's NO CUSTOMER SERVICE HUMAN AGENT AVAILABLE! 
This is the worst example of a big corporation actively removing the option to speak to a person. Worst customer experience ever! Today is XX/XX/XXXX, it matured XX/XX/XXXX and that day, and the 20 days before, I could NOT reach anybody. 
If you don't live close to a branch, NEVER USE Citibank for accounts. It's impossible!
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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. 


Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-12-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (TX)

A vanilla gift card was purchased and loaded in XXXX store on XX/XX/2023 and loaded with {$490.00} dollars. The card remained in package until today XX/XX/XXXX, when I opened the package to attempt to activate card for a purchase. 

The vendor for the vanilla gift card ( inComm  ) provides a card number in the back of the card for assistance but uses an automated system where a live representative can never be reached. 

Went back to the vendor ( XXXX  ) which was unwilling to issue a refund for the card but they denied accountability. I spoke to the XXXX XXXX @ the XXXX and XXXX location in XXXX, TX. They mentioned I need to figure it out with the gift card vendor. 

Upon logging in to vendor site again, card is showing a purchase online for XXXX ( even before I had opened card ) and I was able to click dispute to request refund. Upon submitting dispute, a case was generated but there is still no way to communicate with company. The case number is XXXX. 

I found a number to contact where they mention to contact XXXX XXXX XXXX XXXX XXXX at XXXX. Upon contacting them, they were unable to assist me with a refund and are now saying I must wait up to 90 days for investigation without any compensation for loss of funds that I never got to use. 

I have also tried to view information about my case in their site to confirm submission and the site is unresponsive and simply displays " An error has occurred while tracking your case ''. 

It is unacceptable that finance company is on purpose setting up systems to make it almost impossible to gather updates and information about the issue. It should also not be legal for finance company to be allowed to carry a dispute witholding funds while fed interest short term rates are at over 4 %.
Consumer complaint received 2024-04-26
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)

According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX
Consumer complaint received 2023-11-07
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. (TX)

I pulled a copy of my TransUnion consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXXr Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the reporting of transaction history, specifically late payments, on my credit report by XXXX, Experian, and XXXX. Upon reviewing my credit report, I have observed that all three entities have reported late payments, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, it is illegal to report transaction history, including late payments, on a credit report. Transaction history pertains to specific details of financial transactions, such as account balances and payment history, and should not be included in a credit report. 

The reporting of inaccurate transaction history, such as late payments, can have detrimental effects on my credit standing and financial well-being. Therefore, I demand that XXXX, Experian, and XXXX immediately cease reporting this inaccurate information and update all late payments to " paid as agreed. '' Furthermore, the reporting of late payments on my credit report is also a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. 

I request that XXXX, Experian, and XXXX conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please be advised that if XXXX, Experian, and XXXX fail to update the late payments to " paid as agreed '' as requested, I will exercise my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX, Experian, and XXXX to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I have applied 6 times for a XXXX XXXX XXXX XXXX XXXX card. Each time the instant approval comes back with a $ XXXX credit limit. I am then asked for proof of State Identification and a copy of the business ' XXXX letter from the IRS. I have provided both ( Driver 's License and Passport, in addition to the XXXX letter ). Every time I receive an email the next day saying the application is denied because your identification could not be verified. No other reason given was ever given. I even contacted them on Social Media, I have a large following of XXXX XXXX followers, hard to pull off if you are a scammer, and still I was told to check the denial emails, like they were going to magically say something different. I am exasperated and utterly disappointed.
Consumer complaint received 2019-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (SC)

Commonwealth Financial, located at XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ( XXXX ) XXXX, reported a debt in the amount of {$610.00} on XX/XX/XXXX.

Date of first Delinquency was in XX/XX/XXXX. I became Medicare eligible in XX/XX/XXXX-and provided said proof.

This company RE-AGED the debt on XX/XX/XXXX-impacting my credit score.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On Equifax most recent communication, they sent me a letter stating that the request to block any files on my report wont be performed. I had provided all needed documentation to proceed with action, and yet, Equifax denied to do so. I'm attaching all documents again and with this complaint the request to Block ALL ACCOUNTS LISTED ON MY FTC REPORT from my Credit Files as this account is the result of Identity Theft.

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2024-04-26
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. (FL)

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, has violated my rights. 

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

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.
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

I bought a fridge, washer, and dryer from Best Buy using their Citi credit card. Total cost was over {$7000.00}. 
Unfortunately, I had some downturn in my finances in the past year. I negotiated with the bank and was placed on a payment plan of XXXX to pay off the balance while I stopped using the card. I have been paying this diligently and a little more, and now I have a total balance of less than XXXX. I was shocked that the bank made an unauthorized charge of {$3900.00} from my account on XXXX XXXX. This left me stranded, and speaking with their arrogant staff shattered me! I was told the " promo '' I enjoyed was over. Not only did they clear my bank account to pay the balance, but I will also be charged an outrageous {$4000.00} as accrued interest for not paying off before the promo elapsed! After a long, XXXX conversation, they reluctantly agreed to withhold the interest charges for 60 days but, in turn, told me the 60 days started counting in XXXX. So, I am due to pay the outstanding balance by the XXXX week in XXXX, or they will apply the extra {$4000.00} charges. They promised to reverse the unauthorized charges to my bank account but did not do so for over XXXX after which I was forced to call my bank to cancel the transaction. Since then, Citi Bank has repeatedly called me during my working hours, creating a lot of distraction for me at work. Today alone, I got over four calls! 
What is most disturbing to me is Citibank 's plot to see I'm never going to get out of this debt by surreptitiously having clauses not clearly stated when signing for this card and not honoring the forbearance plan they drafted for me. It is very abusive of my trust to sign up for autopay without notice, wipe out my bank account, take almost all I have, and refuse to refund my money promptly. The intended additional charges are predatory and deviate from fair lending practice.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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.

has violated my rights. Or list of inquiries 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 information is inaccurate.
Consumer complaint received 2024-04-26
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. (FL)

My name is XXXX XXXX XXXX, Consumer currently residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing the complaint because XXXX XXXX XXXX sent a consumer credit report for XXXX XXXX XXXX, Consumer on XX/XX/XXXX, confirmation number : XXXX, stating that, " The disputed item is not currently reporting on the XXXX CREDIT FILE. COMPANY NAME : XXXX XXXX ; ACCOUNT NUMBER : XXXX. '' However, this is false and misleading information seeing as though XXXX XXXX is still reporting on the XXXX credit file of XXXX XXXX XXXX as of XX/XX/XXXX on multiple platform including XXXX  and XXXX XXXX. I spoke with XXXX an XXXX customer services representative, who provided confirmation number : XXXX, stating that, " the report was sent after XXXX XXXX agreed to remove the account from the XXXX credit file of XXXX XXXX XXXX, Consumer. This account should no longer report on the XXXX credit profile of XXXX XXXX XXXX. '' This conversation was recorded by XXXX AND XXXX XXXX XXXX. XXXX also reported on the Consumer Financial Protection Bureau, Case Number : XXXX, that this account is not reporting currently reporting. However, it is still reporting. 

XXXX has already removed this inaccurate, negative, inequitable account from the credit file of XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-12-21
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: Bread Financial Holdings, Inc. (OH)

Contacted Comenity Bank in XXXX by Phone as they are overstating my overall debt by {$14000.00} showing that I have two accounts with them. They confirmed that this is correct however they could not and would not correct the issue with XXXX until I sent a letter into them in detail stating the same issue that I called about. I wrote their Credit Dispute Department in XXXX XXXX in detail as to the issue as instructed. I also filed four disputes with XXXX Credit reporting and they advised me every time my dispute was rectified and corrected which it has not. I contacted XXXX as Comenity Bank claims it is their error in reporting. My XXXX XXXX report and XXXX are correct only showing one account however XXXX as of today shows two accounts with the same number and same amounts. XXXX refuses to correct the issue and referred me back to Comenity Bank. I contacted Comenity bank again who verified there were two accounts reported and that I only have one account yet they refuse to correct it and deny they ever received communication from me. I have now sent the letter by Certified Mail the second time. I am tired of contacting Comenity Bank and XXXX Credit Reporting. If this is how these two business 's operate someone needs to look into their practices and their failure to correct their errors thus affecting my credit report and overstating my total debt to others.
Consumer complaint received 2024-07-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (CO)

XX/XX/year> I entered into a XXXX XXXX Loan where they give me an equity loan and the repayment is based on an amount of the value the equity of the home has grown between start and payoff. I was told that I could make payments on this loan or I didnt have to. I was told I could refi my house and pay it off or sell my house and pay it off. I recently opened a second mortgage to consolidate debt and XXXX XXXX required me to pay this point loan off. I ordered a payoff statement from XXXX. They sent a payoff schedule that the rates change on from week to week. 1 month after payoff schedule was sent, XXXX XXXX sent a layoff check to XXXX. XXXX returned the check stating that they do not take partial payments ( account has to be paid in full ) but their system makes it almost impossible to pay in full as the amounts change almost daily. XXXX  ALSO GOES OFF OF ITS OWN INTERNAL APPRAISAL for properties, meaning they attach their own values to your home. For example, when I started this process they valued my home at {$XXXX}. Fast forward XXXX years and theyre valuing my home at {$XXXX}. And I have to pay a percentage of the difference. Which they decide and if I dont pay in full they wont accept the payment. I feel like I am trapped by this point loan. Im trying to make the right decision but with their assessed value changing so often I cant even save up enough money to get it paid off. They undervalued my home at the time of the loan, by about {$XXXX} so immediately they made money off me.