davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TN)

I have 3 credit cards with Citi bank. Cosco/AAdvantage/XXXX I have NEVER had a late payment and have always paid at least the minimum plus. My husband died in XXXX, and my income decreased. I had to use my credit cards. I did not use all of my credit limit, but my balances did go up significantly in a short time period. 

On XX/XX/XXXX my credit limit was reduced on ALL 3 of my cards, to just over what I owed. This significantly increased my credit usage, resulting in a major drop in my credit score. Now today, XX/XX/XXXX, I received an email informing me that my credit limit was being decreased again due to my credit score. Citibank, dropped my credit limit, which caused my credit score to go down, then dropped my credit limit again due to my score going down. I believe this is wrong and if not illegal, it is definitely poor business practices. I have credit cards from several banks and they have not ever decreased my credit limit, even after my score dropping. I have NEVER missed or had a late payment!!!! 

I pay my bills on time, as my credit reports show 100 % on time payments. 

I have recently received more income. I am trying to pay down all of my credit cards, to improve my usage percentage. Now, my usage will again go back up, resulting in another lowering of my credit score, which will then cause another decrease in credit limit. This is a vicious circle and is an incredibly cruel practice. 

I called customer service today to dispute this and was told that I could NOT dispute this decision. I can not even call the department that makes these decisions, so they obviously know what they are doing is wrong. 

They are making it impossible to dig out of a financial hole. 

Once again, this is the ONLY company that has done this. I have XXXX XXXX, XXXX, XXXX, etc. No problems with these companies.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home 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: Selene Holdings LLC (TX)

I have been delinquent on my mortgage payments due to loss of income since XXXX of XXXX. Subsequently, I had been threatened with foreclosure, and was informed via Selene Finance 's attorney via Certified Mail that my home was set to be foreclosed and sold at Auction on XX/XX/XXXX. 

I contacted Selene Finance via phone on XX/XX/XXXX and requested a Reinstatement Quote to salvage my mortgage and halt the foreclosure. 

On XX/XX/XXXX I received the reinstatement quote via email in the amount of {$27000.00}. 

I paid the amount in-full via Cashiers Check ( which the Reinstatement Quote stated was acceptable ) in-person at a XXXX XXXX branch on XX/XX/XXXX. 

I was given a copy of the cashier 's check, a receipt for the transaction, and verified via phone that the check had been cashed by Selene Finance LP Payment Processing. 

To-date, I've received no verification nor response from Selene Finance XXXX 

I called Selene Finance on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Each time, I was advised to wait, and that the payment had not posted to the " XXXX XXXX. '' I emailed Selene Finance 's customers service department on : XX/XX/XXXX XXXX My emails are tracked, and Selene Finance has not opened my emails, which contain copies of the cashier 's check and transaction receipt. 

The reinstatement quote expires on XX/XX/XXXX, and I'm fearful that the companies inattentiveness to this matter will lead to my home being sold at auction despite the fact that I have paid my delinquent loan balance in-full.
Consumer complaint received 2024-01-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I opened a case last year with the CFPB indicating that Citi had incorrectly marked an account as in bankruptcy. I provided a letter from Citi showing their intent to correct the problem however the problem still stands and is still incorrectly reporting.
Consumer complaint received 2023-10-11
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: JPMORGAN CHASE & CO. (WA)

Scammed numerous times on account pay-ins. Bank fraud informed me they froze my account on the first transaction paid in, but yet allowed numerous payments to be paid in even tho knowing they'd return.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (TX)

Netspend Corporation, XXXX XXXX XXXX at XXXX XXXX XXXX  has stolen my money. They closed my account without notifying me, and I noticed on XX/XX/XXXX, when I tried to access my account and couldn't. I called the company, and they informed me that they had somehow determined my account was fraudulent and closed it. I verified my identity with them, and they promised to mail me a check for my account balance, which was over {$1000.00}, mostly in a savings account but with a little in a checking account as well. They never sent me the check. I have called them back over and over and over again over the last XXXX months or so, and they keep requiring me to prove my identity ( which I have repeatedly done - even providing copies of my passport ) and then promising to send me a check which they never send. I have tried to be kind, but I believe they have stolen my money as they refuse to send me my hard-earned money from my savings and checking accounts. This has caused me other financial stress, and I also believe they should owe me for the interest that should have accrued in the interim, at 5 %. 

I have contacted them every couple of months since XX/XX/XXXX, including today ( XX/XX/XXXX ). Now they are making outrageous demands like for me and my husband to both send our physical Social Security cards. This is fraud.
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX I was offered and accepted an XXXX XXXX credit card, through Commenity bank, and make a purchase of walking shoes for {$63.00}. 

My recollection is that the first statement I received was the XXXX statement, which closed XX/XX/XXXX. It showed a late fee. XXXX, I do see a XXXX statement, but I do not recall receiving it. That statement closed on XX/XX/XXXX, and I wonder if my purchase and account did not get to community in time for the mailing. 

What I do know for sure is that upon receiving the XXXX statement, with the late fee, I did pay that on XX/XX/XXXX. According to my bank records, Commenity did not post that to my account, via XXXX, until XX/XX/XXXX. XXXX was due on XX/XX/XXXX, so they posted another late fee. 

On XX/XX/XXXX I wrote Commenity requesting that they close my account, noted that I had received another bill that did not have the payment posted, but instead had another late fee. I asked them to remove the late fee. 

I did subsequently receive a letter stating that my account had been closed, but no mention was made of the late fee. So on XX/XX/XXXX I wrote another letter, including a copy of my check, and asked them again to refund the account. On XXXX, I received a letter denying my request. On XX/XX/XXXX I wrote yet another letter, and received a response on XX/XX/XXXX advising that I call as soon as possible so that we XXXX resolve your inquiry. On XX/XX/XXXX I did call, was advised that I should mail my checks at least 10 days prior to due date ; and that since my account was closed they couldnt do anything. 

My check was in fact sent more than 10 days prior to the due date, and yet didnt clear until 16 days after the due date. And even though I had disputed my account, they continued to assess additional late fees and minimum interest payments. To put an end to that cycle, I did go ahead and pay the additional late fees, then received yet another bill with a minimum interest charge of {$2.00}. So I paid that, knowing that if I didnt there would be yet another late fee. 

To date, I have paid {$170.00} for my XXXX purchase. I had heard complaints about Commenity before. Now I have experienced it first hand. This certainly seems to be a great example of predatory lending. 

By the way, if you check my credit rating you will see that I pay my bills on time.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I reviewed my consumer reports and noticed that I had a few late payments on an accounts that were never late. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have NEVER BEEN LATE. Please investigate and provide proof with statements showing that I was late. If you can not provide proof I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was NEVER LATE. Imagine all the people being affected by these type of errors. PLEASE FIX THIS IMMEDIATELY.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been disputing this Since XXXX they Refuse To remove it.. It's causing me hardship I can't rent a home so I've been homeless because no one will rent to me I tryed to get a car can't get a car it's just causing me so much hardship and I can't seem to get any help I feel this is not right.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

I took out a loan with Netcredit in XXXX of XXXX, the amount taken out was XXXX, and I was immediately charged fees of XXXX  dollars. Leading me to only have a cash advance of XXXX Month by month i noticed their fees were astronomical and I looked into my states laws to see if this was legal and now I am left to wonder if this loan agreement is legal at all. Accord to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a lender may, if agreed in writing between the lender and borrower, charge an interest rate at a maximum rate of 12 % per year.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC (CA)

My accountant with Dave, was first breached on XXXX. The funds were applied to my account on XXXX. On XX/XX/2024, once again my accountant was breached.I was told that I could use the money left that was on my bank card. Unfortunately that was not the case.Im unable to pay my bills on time without penalties. I trusted Dave with my money, they allowed scammers not once, but twice to ruin my trust in their banking security system.I 've given them everything to prove my Identity and for them to rectify this matter. Called numerous of times to know advil.They have all my information to get in touch with me
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TN)

Coinbase suddenly restricted my account around 1.5 weeks ago without any explanation given. I did not violate any rule and only used the account to purchase assets for myself using my own funds. I now do not have any access to my funds or assets.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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, has violated my rights. 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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have Hard Inquiries on my credit report that wasn't suppose to be furnish on my credit report without my permission, It's stopping me from getting approved for a business Loan, and its a violation against my consumer rights and i know my consumers rights give me the power to authorize the CFPB to delete and remove these Hard Inquiries if i provide my FTC of Identity theft/Fraud.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX 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 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I was given a fake check PNc cleared it in a day. I sent funds to fraud people. I complained to PnC tried to get my funds back they said no. PNc should have not cleared the check so fast. I already have funds in the account.
Consumer complaint received 2024-05-01
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: TD BANK US HOLDING COMPANY (FL)

TD/Target continues to update XXXX indicating the information they have is accurate. I want validated proof that the account is under the correct name! The name is not XXXX XXXX. I will rechallenge and continue to report to CFPB and FTC until this tradeline is deleted from XXXX once and for all. 
The information being reported is not accurate it is fraud as defined by law, intended to secure unfair or unlawful gain, or to deprive a victim of a legal rights. 

This seems to be a personal issue as opposed to fair. The reporting is reopened without proper deletion under XXXX.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Called XXXX XXXX on XXXXand they informed me they sold my account to a Midland Credit and the no longer have account in their database. I called Midland and they asked for supportive documents which I faxed in. Someone has used my social security number for their personal gain. See attached documents for police report notarized. 


Account reporting to CREDIT REPORTING AGENCIES is from XXXX XXXX ACCOUNT # : XXXX MIDLAND ACCOUNT # : XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

DO NOT MARK AS DUPLICATE. XXXX  XXXX XXXX pulled my credit without a credit application and has refused to investigate and provide a copy ( because there isn't one ) and have since frozen my business accounts in retaliation. I don't know anywhere else to go for help other than to file a police report or go to the Attorney generals office. please help
Consumer complaint received 2023-04-21
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. (CA)

I have disputed several times with the 3 major credit bureaus. XXXX, XXXX, and Experian. 

I disputed XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, as well as XXXX XXXXXXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

My mortgage company RUSHMORE SERVICING ( loan no. XXXX ) had corrected an error in delinquency, but it seems they use third party company named NATIONSTAR/MR COOPER that just recently posted a delinquency for same account ( XXXX ). Attached are the letters I received from RUSHMORE SERVICING which you will also find in my profile. 
Please help with this issue as it affects my credit by a huge deduction in points. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-07
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OH)

The affirm website won't allow me to login. There's code that is texted or called to the consumer, but it never comes. I have been having this issue ever since I logged out of the site a few months ago. There's no way to message customer service to get help, I just want to pay my bills. There is a phone number, but there are major language barriers.