davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

My 2023 Credit Card Reward Certificate in the amount of {$390.00} became available XX/XX/2023. As the amount was above {$300.00} I was given the option to direct deposit this amount to one of my checking accounts. XX/XX/2023 I elected the direct deposit option but was given an error message. The system incorrectly shows that my certificate was redeemed XXXXThe funds to date have not been deposit into my account. I have called 8+ times and spoken to multiple people to try a remedy the situation with Citibank however each person I speak to says that there is a known issue and that it should be deposit in my account 3-5 business days. As I have gotten this answer multiple times and the funds have not been deposited in my account to date I requested that I be allowed to redeem my certificate at Costco Wearhouses directly as it is the other option. Citibank has refused this option as well.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed my address and personal information on all 3 credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX, FL XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on XXXX, XXXX, and Transunion. I have also filed a report on XXXX XXXX. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

While working to trying to secure a loan for a business venture, my " partner '' opened a credit card and put my name as the guarantor without my permission. And Bank of America did put my name as guarantor without checking with me. 
The card was issued to the business address of the partner and all mail were being sent to him without my knowledge. 
The bank issued a credit card to the " partner '' also without getting any approval from me. 
As soon as the partner received the card, he maxed the card out ( {$25000.00} credit ), made a few payments and stopped making payments. 
Only then did I find out that he had put me as the primary card holder. 
I reported this to Bank of America but I haven't been able to get this resolved for over two years now. 
I have made several calls and talked to their fraud department but do not get any resolution. 
I have provided them with the name and number of the individual who opened the account and made the charges to no avail. 
Since I am a Bank of America customer, they have been taking money out of my account and not doing anything toward the individual who they know opened the account and to whom they have sent a credit card.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PR)

To whom it May concern ; My situation is that someone stole my identity and opened a credit card from Citizens Bank. I became aware of this on XX/XX/XXXX when I was preparing to make a loan to refinance my house and pay off other debts. This could not be possible since my credit is affected. After several frustrating efforts to solve this situation, I am still being charged and my credit situation worsens. Every month my credit is affected more and still the Citizens Identity Theft department has not contacted me. 

I have been trying to contact the identity theft department since XXXX XXXX, 2021 at XXXX. Nobody ever responds to this number. I have called 12 times and left 9 messages, also three internal emails have been sent from the Fraud department and the credit card department. 

I already filed a complaint with the police, I fill the information in the form they asked for and I still have not received a response from them. 

I even contacted the chairman office of Citizens and file a complain # XXXX. I hope this e-mail can reach this department and resolve this problem. This situation is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope to hear from them as soon as possible.
Consumer complaint received 2023-03-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} XX/XX/XXXX XXXX. XXXX, XXXX XXXX {$60.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-03-13
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: CREDIT ACCEPTANCE CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2020-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Rhode Island Student Loan Authority (ME)

XX/XX/XXXX XXXX  XXXX XXXX.- present, complete estrangement from my son ( borrower of 2 Rhode Island Student Loan Authority loans ) XX/XX/XXXX Upon realization that he had not started to repay these loans, I ( co-borrower ) assume responsibility of the 2 loans. ( and also his loans from other lenders ) Please see attached 2 pg schedule of actual payments made to RISLA. These payments were made responsibly and consistently to the best of my ability. Also, attached credit report proving at least 3 full years in good standing reported by RISLA. 

XXXX I am diagnosed : XXXX/XXXX/XXXX. Paid loan # XXXX in it's entirety, roughly $ XXXX. My plan : hoped my son would be then responsible for the 2nd loan and I could start to help myself regarding my failing health.

My son, ( borrower ) did not respond and I CONTINUED payments ( greater than 24 ) on the 2nd loan ( # XXXX ) until XX/XX/XXXX XX/XX/XXXXDealing with ramifications of my XXXX 's diagnosis both physically and financially. Impossible to make the loan payments on the 2nd loan any longer. 

XX/XX/XXXX Terminated from my job of 35yrs. Rendered XXXX XXXX XXXX XXXX, Dr. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MA. 
Please see completed XXXX  form attached. 

PRESENT : I have requested RISLA release me as co-borrower of the remaining loan. I've tried to express to RISLA that my extenuating circumstances have created such a hardship that I can not make any type of payments and maintain a minimum standard of living. My circumstances during the term of the remaining loan will only get worse. I most certainly have made an honest and good faith effort to do the best I can to repay. 

Please see attached letter XX/XX/XXXX to RISLA and response letter from RISLA.

My request to be released as co-borrower has been reviewed by the RISLA Loan Servicing Manager, Director of Loan Operations and the Director of Compliance. They maintain that I did not make the FIRST 24 payments on time/ consecutively. There are TWO loans I was responsible for as co-borrower. Initially, when I understood they were not being paid by the borrower, I took responsibility and paid consistently for years. ( over $ 40k ). RISLA will NOT acknowledge this whatsoever. I do understand that my son is working and making payments to RISLA ( $ XXXX balance ). Although RISLA sympathizes with my hardship they maintain there is no policy in place for co-borrower release due to XXXX  XXXX. There is a policy in place for the borrower, with whom I have equal responsibilities. Therefore I have the right to full discharge due to my XXXX XXXX  XXXX. ( Never mind the good faith efforts I have made to be responsible regarding re-payment. ) This situation has been demeaning to me and caused me needless distress. In the meantime, I have been released as co-borrower for each and every other private and federal student loan I have co-signed for both my son & daughter.
Consumer complaint received 2024-06-03
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. (GA)

I have requested the removal of the XXXX XXXX card that Im listed on as an authorized user from XXXX and Transunion. This information is also listed on XXXX XXXX. The information hasnt been removed. This is causing my debt to income ratio to reflect improperly.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX 's card was sold from XXXX to XXXX 's, and I wasn't able to get online access and had no paper bill sent. XXXX 's took {$150.00} from a previously scheduled autopay with my old bank ( XXXX  ) which I had no ability to change once it went over to XXXX 's on XX/XX/23. This auto payment which I never authorized with them overdrafted my account and cost me a {$18.00} fee. I called them and they were able to set up online access as of today XX/XX/23, and the initial rep said they can help me reverse the unauthorized payment and take instead the minimum due, but when I was transferred the lady said they couldn't do that.
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

XXXX XXXX, two years ago, caused 90 % damage to my home. My insurance company XXXX XXXX XXXX became insolvent. XXXX turned my case over to a new company XXXX XXXX. Also, they appointed an adjuster to estimate damages. After a year and a half ( in XXXX it will be two years ) XXXX started releasing funds to begin repairs. A check needed to be endorsed by my mortgage company, Mr.Cooper. They endorsed the check, and I began repairs. The funds were not sufficient to finish repairs, so a supplemental request was made and approved by XXXX and they sent the check and it needed to be endorsed by my mortgage company. They are holding and have been holding the check for since XXXX, we are in XXXX. Mr. Cooper said that they can not release the funds because they do not have the necessary documentation to do so. The adjuster for XXXX says that everything necessary for my mortgage company to release the funds is in the package that I sent to Mr. Cooper, my mortgage company. I have sent an overnight package, with a self-addressed envelope, receipts and fotos of completed repairs. They said it is not enough. I also, faxed the necessary documents by way of XXXX XXXX and still they will not release the check. Their website is not user friendly. I have asked them to please not require me to use their website because it is not user friendly. I have asked them to deal with me by mail and by fax.
Consumer complaint received 2024-06-03
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX I went online and paid {$6100.00} to pay my vehicle loan off with Bank of America. I clicked on the account which was the only account listed. I clicked pay my bill and paid {$6100.00}. On XX/XX/XXXX I logged back in and now there were two accounts listed. One was a credit card that was closed in XXXX which now had {$6100.00} on it. I spent hours on the phone with Bank of America on XX/XX/XXXX trying to get this fixed. I was initially told in the morning that they would expedite a refund and the money would be back in my account by XX/XX/XXXX at the latest. The same rep called me back on XX/XX/XXXX in the afternoon to tell me that he spoke with a team lead who was going to walk him through moving the money to the auto loan. Again I was told that this would be complete at the latest on XX/XX/XXXX. I asked to speak with his manager to confirm everything was good, and this rep hung up on me instead of transferring me. 
On XX/XX/XXXX there was no change on the account. I spent another hour of my time on the phone with Bank of America where I was assured by the first rep he could fix this. He then " placed me on hold '' but really cold transferred me to another rep. I had to repeat my story AGAIN to this rep who was so unnecessarily rude. She told me that it would be two billing cycles before I got my money back. I told her this is unacceptable as I have paid my account in full and now this will mean that I will be charged late fees and be reported to the credit bureau as a late payment. She said she could expedite it to 10 business days. Again this is unacceptable because I will be out of my grace period to make the payment again. I asked to speak with her supervisor who was RUDE. She basically told me that They will try to expedite to 4 business days but could not nail down the date of the 4 business days. I asked her about the late fees and possibility of reporting to the credit bureau. She said I could make ANOTHER {$300.00} payment so the account is not considering late. So now my {$6100.00} is in limbo for who knows how long while Bank of America collects interest on the money they basically stole from me and I have to come up with at least another {$300.00} so I am not considered late for THEIR mistake.
Consumer complaint received 2024-06-03
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. (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.

has violated my rights. Or a 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 2023-12-13
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. (MD)

I 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (GU)

I received an auto notice for my Macy 's statement, but the link does not work and I have been unable to review my statement or make payment online. About a month later, I received an email and phone call from Citibank stating that I am delinquent! 

This is actually the XXXX  time this has happened to me. I have tried re-registering the card online, but it says I am already registered. 

I have tried to find an email address for Macy 's, but no luck. I have called and just get transferred from one voicemail box to another. 

I paid my balance online to avoid delinquency on my credit report, but I still don't know what that payment is for. Please help me.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. 

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!