davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I have repeatedly had problems with Home Depot CitiBank in trying to get credit information and in making payments. Although my login information is correct, I am repeatedly denied access due to what is contended incorrect information. Changes to user name and password yield the same results. In making calls to get information, I am asked for my social security information, the last four of my account number, and my zip code. When I enter the correct information, the error message is that the information is incorrect and I have reached the total number of calls allowed. I have made it clear that I did not want electronic statements and ask that statements be mailed to me. Without my authorization, my account is changed back to electronic statements. Therefore, I can not login to my account to see my statements. I can not speak to anyone on the telephone about my account and I can not receive information so I can make payments. I have another account with CitiBank for Best Buy and the same problems occurred. I was recently able to reach the company. I was told that they had a " glitch '' in their system and new cards were being distributed with a passcode so I should have no more problems. CitiBank Home Depot will not even acknowledge the problem. They have now turned my account over for collections and will not accept payments on the account. Of course, this has now damaged my credit. I know it seems odd that a company would refuse payments, but that is simply what has occurred. Rather than believing it was deliberate because they are losing money, I believe it is simply incompetence and a lack of concern over customer care. I was finally able to reach CitiBank Home Depot customer service in XXXX today. I was transferred three times to XXXX people to try to resolve the situation. They, too, said they could not confirm the account. I was finally transferred to a customer service person in the United States who told me that since the account was in collections, they could only accept a " final '' payment.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC (CA)

- Surreptitiously locking my account to prevent me from paying down my principal and making payments. 
- I called Lendumo to XXXX {$140.00} on my balance before XX/XX/XXXX, and the company declined - Arbitrarily adding {$30.00} more to my balance- I have used the same personal debit card to pay down my principal online on Lendumo, yet they keep making the same excuses that payment didn't go through or are in the queue for updates XX/XX/XXXX & XX/XX/XXXX. I suspect they do this just to rip me off. 
It beats my imagination that I want to pay off my loan balance, and it is increasingly difficult to do so because of how Lendumo conducts its business. Genuine people should not be allowed to face such business practices and barriers.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kansas Counselors, Inc. (KS)

Kansas counselor placed an item on my credit report but didnt send anything in regards to the debt owed. They never once contacted me and refused to give me documentation of the debt owed. I then asked them for the information again it took them XXXX months to send me the information. I then contacted the original creditor and they didnt file my insurance that was given to them at the time of service. Most recently, my credit report has showed this on file for a collection and past due account. Had the debt collection done its job I would have be able to resolve the issue with the creditor in a timely manner. I would have not received a negative account on my report. When I talked to them they said it was problem to resolve and that I needed to pay this debt! This was neglect from them and should be treated as such.
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (WA)

Today XX/XX/XXXX I called XXXX XXXX XXXX to speak to them about my account and I was informed by a rep who said that they were a non attorney debt collector that I am in the process of being sued on my account. When I asked why I was informed it was because I missed a payment in XXXX and XXXX and for both of those I called in and asked them not to pull as I had two major life events. When I spoke to them about these payment no representatives mentioned anything to me. I have been paying religiously since XXXX on this account without missing any payments until XXXX months this year. When I spoke to the representative today and I asked why I was being sued and no one mentioned anything his response was did you hold up your end of the agreement. No I asked to skip two payments under the assumption that they were moved to the end of my agreement like an extension. I also dont know how a non attorney debt collector can claim that I am being sued after they also say my debt isnt in collections and its sitting in a state where I can be sued anytime they want to proceed with doing that but who I spoke with said they were a debt collector by a non attorney debt collector and it was an attempt to collect a debt. Please someone make it make sense.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NJ)

XX/XX/2024 i went out with some friends to a dinner place and everyone at the table split the bill i had card and wanted my portion to be paid with the card however it was an error where they charged my card for XXXX instead of a XXXX dollars. I called the establishment several times and spoke to different person receiving the run around saying a XXXX will call me back. 
I ended up calling M & T and asked to speak to a dispute team and they dont have one. 
M & T regular customer service representative said she filed a dispute. I ended up receiving something in the mail to provide proof i sent them the full detail receipt and everything. I called M & T to make sure they received my correspondence they said they didnt receive anything and the dispute was gon na be closed because they didnt receive anything. 
I then told them it was impossible because i mailed it right back. Ill give them another week to update their records. I then called back roughly XXXX business days after to ask did they receive correspondence and the representative put me on hold and said they did receive it. I informed her when was M & T was gon na inform me of that because when i just called the representative said yall never had it. 
She replied very rudely and said well its closed now and we wont be reopening the case whoever owe you needs to pay you. 
I simply replied excuse me? Nobody owes me but the restaurant and i tried to resolve it with the restaurant but no one will return my call.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I would like Bank of America to make it easy to set up Autopay on their credit cards. I have a lot of accounts withn Bank of America ( and I appreciate these accounts ) and with other Banks. For all other credit cards you open the credit card online, and can easily select make a payment or set up autopay for what you want. 

Bank of America uses a very complex system to set up autopay for credit cards which are used to confuse consumers and cause them to miss payments ... resulting in fees and interest. There was at least XXXX lawsuit regarding this and it is now time for Bank of America to stop this deceptive practice. In order to autopay... you have to go to the bill pay site, put in the entire credit card account number ( which B of A already knows ) and select request ebills... then you have to wait for the ebill which can take a week or 2, and remember to go back to Bill Pay and set up Autopay to be sure you arent " missing payments. This is completely outright deception... I sent this similar complaint several years ago. Many people have trouble with this system ... and it should not be used for bank of america credit cards... the autopay should be easy to set up ... and able to be set up all at once like all other reputable credit cards. 

Recently I sent the following comments in the feedback section. 

Complaint send to Bank of America through share your feedback on XX/XX/2024 " Hi, please fix this issue or I will be sending an complaint to the CFBP. I have send feedback about this issue before. I am a longstanding Bank of America customer and I appreciate the assistance Bank of America has given me, but I feel that the Bank continues to deceptive practices to make it difficult to pay credit card and loans. Using the Bill Pay for Bank of America credit cards and loans is very laborious and not straightforward, including having to request and ebill ... from the bank where you already have a credit card account ..... Please fix this issue by making setting up autopay on Bank of America cards easier by : When you click on your credit card account, you can go directly to payment and set up autopay for various amounts including minimum amount on the due date ( not having to specify the date, but on the due date ) .... Making it difficult to set up autopay ( which it should not be ) can cause undue fees and interest for customers. Please fix this.. I will be filling with CFPB if this issue is not addressed in a timely manner. Loyal customer, XXXX XXXX ''
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-01-20
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. (NJ)

am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC, and they have violated my rights numerous times.

I demand the accounts below be removed because according to 15 USC 1681 : I have a right to privacy and i did not give Equifax written permission to furnish these accounts : account # XXXX account # XXXX account # XXXX account # XXXX
Consumer complaint received 2023-12-20
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. (NC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXXXXXX 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

Dear SYNCB/TJX CO I am writing to you again in disbelief that SYNCB/TJX CO would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how SYNCB/TJX CO irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that SYNCB/TJX CO furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like SYNCB/TJX CO. See , e.g., XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes SYNCB/TJX CO to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (KS)

I received 2 letters from Wakefield and Associates, LLC stating that they were collecting debt for XXXX XXXX XXXX XXXX XXXX XXXXXXXX I fille out the bottom section of paper stating that it wasn't my debt and that I wanted information on what this supposed debt was and who it was to. Almost three months later they sent another letter stating that the name and address of the original creditor for XXXX XXXX XXXX XXXX XXXX XXXX  was included in previous letter, which it wasn't. To my knowledge all my medical bills were covered by my insurance through XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and i didn't have any visits for XXXX XXXX. And I never recieved any bill from this XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian, XXXX, XXXX are ignoring the laws that are set forth to ensure I, the FEDERALLY PROTECTED CONSUMER, credit file is being reported inaccurately. PER 15 USC 1681. I have written letters and filed disputes to all 3 and have attempted to inform them on the phone as well. This is causing me harm. I am being denied, based on inaccurate information being reported., per the adverse action letters that I received. I will be dealing with them as well.

I have 8 names, 41 unmailable addresses, and previous employment I would like removed as well as phone numbers and a slew of unknown inquiries. I am exercising my right to opt out all negative reporting on my file. IF I authorized any one by verbal or written consent, knowing or unknowingly. per 15 usc 6802-6805. I have tried to remedy this but I have no choice but to inform you of the total disregard of duty as a furnisher of information. 

Sincerely BY : XXXX XXXX XXXX Agent For : XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (FL)

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 NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (FL)

I received a response from XXXX XXXX Bank  Manager " XXXX XXXX '' in relation to a billing error indicating 30 days late on my credit report. The company 's investigation after the response on ( XX/XX/XXXX ) has taken more than 30 days. I sent notice and ask the company of proof of the late payment or Notice of Late payment in relation to 12 CFR 1026 : Regulation Z 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

In addition, Section 217 of FCRA specifies that an institution must provide the required notice to the customer prior to, or no later than 30 days after, furnishing the negative information to a nationwide consumer reporting agency As stated in my previous claim, the account was paid on-time through duration and closed XXXX XXXX. XXXX and Equifax are reporting " 30 Days Late '' in XXXX and showing the account closed in XXXX which is a result of a billing error. Again, the account was paid on-time and in full on XXXX XXXX
Consumer complaint received 2024-04-30
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. (MI)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-04-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC (PA)

They originally gave me a 3 month unemployment forbearance and said in 3 months we could revisit if Im not working and extend it. They continued to charge late frees and now said that Im not approved. So now it is beyond late. They told me to speak with my state XXXX. They said they can only help me if the lender gives me an act 91 notice. I asked for XXXX they never gave me XXXX. They were supposed to send me a packet to fill out so they ca. work with the Va to give me options. However they have not send that and have no responded to anything. I have had many mortgage lenders and villiage capital is terrible. Worse communication.
Consumer complaint received 2023-06-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (CA)

I have not supplied proof under the doctrine of XXXX XXXX XXXX  Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore exist. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 I would like for this fed loans to be closed and removed immediately!
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX