davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

I have two Credit cards with Citi and I have been a customer for 10 years or so. Always been in good standing with them and paid on time. I've availed Balance transfer from them a few times in the past and always worked out with no issues. All terms were honored. 

However, this last time I made two balance transfers on one of my Citi credit card ending XXXX. 

1. XX/XX/XXXX -- amount {$14000.00} -- promo rate 0 % till XX/XX/XXXX. I paid 3 % XXXX fee. 
2. XX/XX/XXXX -- amount {$5300.00} -- promo rate of 2.99 % till XXXX XXXX, XXXX paid 3 % XXXX XXXX Citi XXXX computer system have converted the first XXXX of {$14000.00} into standard purchase as of XX/XX/XXXX and I got charged XXXX for XXXX and for XXXX which totals to {$710.00} ( {$330.00} + {$380.00} ) As far as I can tell why this happened is because of the way their monthly payment program is written. The reason why I say that and have confirmed with Citi is as follows : After making the first XXXX, I forgot to change the auto payment to " minimum payment '' and it was left set to " statement balance ''. So Citi tried to post the entire amount to my checking account, which as expected failed to post as I am short on money these days ( without a job ). 
I did make the minimum payment to this CC so as to satisfy Citi. 

But this attempt to post payment for the entire balance and failure in turn changed the amount of {$14000.00} as Balance transfer to Standard purchase.

I believe this is a bug in their program which is not returning the amounts back to the correct buckets in the event of a failed payment.

I've spoken to Citi via chat and via phone to the dedicated department for issues like these.

And they have agreed that what I have mentioned is exactly what has happened. Unfortunately they do not have any way to return it to the original bucket of Balance transfer instead of Standard purchase. And they are not going to refund the interest I paid for the month of XXXX and XXXX. 

From my perspective, I entered into a contract with Citi where they offered Balance transfer and charged me 3 % immediately and offer me promo rate of 0 % until XX/XX/XXXX. 

I did not breach the contract in any way. It is Citi here correcting the mistake that their System / payment processing logic has made by not returning the money owed to its correct original bucket when there is plenty of time left on that offer. 

I've had Citi look at running balance and transactions and they've confirmed what I am saying is correct. Yet they have no way to make corrections on their end to make this right. 

I am out $ XXXX already and more this month in interest and will lose around {$4000.00} in interest payments up til XX/XX/XXXX due to no fault of mine. 

Note - the second XXXX of XXXX, still shows up in the correct bucket and there are no issues with it. 

Your help in resolving this issue will be really appreciated. 

Thanks, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Last summer in XXXX ( I dont have the exact day ) I made a payment of roughly {$800.00} to Navy Federal for my credit card which was intended to bring the card current after being behind on payments. The money was available in my account and the payment was confirmed, then it was returned back to my Navy federal checking account. Because the payment was sent back, it did not register my account as current anymore. In the subsequent months, the card continued to accrue late months and the card was closed. I was unaware of the card closure until XXXX  when I checked my credit report. I stopped making payments again because I didnt know what to do when a card is closed. I was under the assumption that I could no longer make payments on the card. Ive called numerous times about having the card reinstated as it was an error that led to the closure. Ive also asked if at the very least, navy would remove the late payments, but Im always advised that navy does not do this although Ive seen them do it for others. Im currently under some type of repayment assistance and paying down the balance, but because the card was closed, I can not use it. Theyve also reported the cards {$10000.00} limit to the credit bureau so it is registering as I have XXXX available credit for this XXXX card but over XXXX in debt so my utilization has increased to 900 % and my score has taken a XXXX point hit. Ive sent a certified letter to them in regards to the late payments at the very least & requested for my card to be reinstated numerous times over the past year since the late payments are due to some sort of system generated error after payment processing. I am 100 % sure the funds to make the payment were available in the account and the reason for closure was the late payment that eventually led to the account being past due XXXX days. Ive inquired about reinstatement numerous times but Im always told Navy doesnt reinstate cards unless it was their error. This is an instance where it was their error. Either way, I have to pay the balance down, but with late fees, interest and the original principle usage, it will take time to pay it down. My credit score is in shambles because of what the closure did to my utilization. Navy has been an amazing bank to me and I want to mend this but this credit card mix up has taken quite the toll on me.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I implore you to devote the necessary time and attention to expunge the late dates and negative remarks from my credit report. In the current economic climate, I can not afford the repercussions of inaccurate information negatively affecting my credit score. I anticipate the receipt of an updated copy of my credit report that reflects these vital changes within a period of XXXX ( XXXX ) days. XXXX XXXX XXXX XXXX  - I have consistently made timely payments and have never been delinquent. I insist that the late payment notations be promptly corrected to accurately reflect my payment history. I demand the removal of the late dates and a status update to " paid/never late. '' Please note that I'm the XXXX filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (VA)

Subject : Dispute and Request for Removal of Debt Older Than 7 Years from Credit Report Dear Sir/Madam , I am writing to formally dispute and request the removal of debt older than 7 years from my credit report. As per the Fair Credit Reporting Act ( FCRA ) section 605 ( a ), any derogatory information or negative account that is more than 7 years old should not be included in my credit report.

Upon reviewing my credit report from your agency, I have identified several accounts that are inaccurately reflecting debt that is beyond the 7-year time frame. This violates my rights as a consumer and misrepresents my current financial situation.

I kindly request that you promptly investigate these discrepancies and remove any accounts that fall under the aforementioned 7-year period from my credit report. Furthermore, I urge you to cease and desist from reporting any information related to these debts on my credit report and refrain from any future reporting that is in violation of the FCRA. 

According to the FCRA, credit bureaus are responsible for ensuring the accuracy of the information they report. It is crucial for you to comply with the law and maintain accurate credit reports, which play a significant role in determining my creditworthiness and financial opportunities. 

I expect your agency to complete a thorough investigation into the matter within 30 days, as required by the FCRA. In the event that these accounts are not removed as per the law, I may be forced to take further legal action to ensure my rights are upheld. Please consider this letter as an official notice of my intent to escalate the matter if necessary. 

Enclosed with this letter, please find supporting documents that clearly outline the inaccuracies on my credit report. I kindly request that you review these documents in conjunction with your investigation. 

I am confident that you will address this dispute promptly and take the necessary steps to rectify the inaccuracies on my credit report. Your full cooperation is expected to resolve this matter efficiently and in accordance with the law. 

Thank you for your immediate attention to this important matter. I request written confirmation of receipt of this letter and updates on the progress of your investigation. 

Yours sincerely
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX 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 2023-11-27
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (CA)

Got a prepaid gift card from online XXXX as a rebate for buying certain amount, got the rebate several months after, now it expired in XX/XX/2023, asked for replacement card XX/XX/2023 but prepaidcenter refused to replace because it expired. I did not use the card at all. Called XXXX too and said to call card issuer. I thought california has a law on this prepaid card XXXX. Why they won't replace it.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (PA)

I was employed by XXXX XXXX XXXX XXXX as a XXXX XXXX from XXXX XXXX and I was suppose to be trained for XXXX hours before I was giving my own XXXX but I did not get a proper training and they gave me a XXXX knowing well that I did not fully trained and put my life at risk. I had XXXX XXXX during this time and this is what makes me quit there company so this is the reason why they said Im owing them
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc. (FL)

I was shocked when I reviewed my credit report and there was a late payment reporting on the dates below : Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 150 days past due as oXXXX XXXX XXXX XXXX days past due as of XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as oXXXX XXXX XXXX  30 days past due as of XX/XX/XXXX During the time of the COVID XXXX pandemic shut down I contacted your company customer service to receive assistance to avoid missed payments on this credit card & I could not receive help to resolve this matter nor avoid.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan.   nationstar mortgage has not response to my qwr request law office of   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , il  XXXX  cae #  XXXX  is theating foreclosure
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (AL)

Account name # : XXXX XXXX  act # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/, I XXXX XXXX, applied for a XXXXXXXX Navy Federal unsecured, revolving credit card. I was denied and received an email stating their denial and that they will send out a letter stating why I was denied. 

Adverse Action letter was never sent out to my home address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in direct violation of Equal Credit Opportunity Act 12 CFR 1002.9 " A creditor must notify an applicant of action taken on the applicant 's request for credit, whether favorable or adverse, within 30 days after receiving a completed application ''. They did, however, send me advertisements which discouraged me from applying to another one of their credit cards and have also sent me a letter stating that I am now an authorized user on my father 's Navy Federal Credit Union 's credit cards. The fact that they are sending me propaganda is also in violation of ECOA 12 CFR 1002.4 and further shows that this is not a case of inadvertent error or technical, printing error or any other technicality otherwise implied. Navy Federal has been able to send me without any problems other postage but negligently failed to send me a proper adverse action letter as mandated by consumer law. 

I have sent them on XXXX XXXX XXXX more than 30 days later certified mail with a return receipt hardcopy of a Notice of Failure to provide Adverse Action letter. I am attaching a scanned copies of this letter on this complaint form with certified mail receipt, as well as the propaganda sent to me recently, and the letter stating that I am an authorized user on my father 's credit line.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

You are reporting inaccurate and incomplete information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either update it or at least send me the information that you used to add it to my report. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-11-08
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. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.