davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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: EQUIFAX, INC. (IL)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XXXX decided to do business with Citibank. Citibank decided to set up automatic annual XXXX membership renewal charges without my consent. Citibank took it upon themselves to charge the card {$120.00} for the annual XXXX membership fee. I wasn't aware of this. I got a letter in the mail telling me that my Citicard was closed due to non payment, and that I owed them {$220.00}. I called Citibank on XX/XX/18, and the rep told me that all he can do is waive one {$37.00} fee. I told him I would pay the {$120.00} that they took upon themselves to charge me, but that they needed to waive all of their fees and any other charges that they charged the account since it wasn't fair that they automatically signed me up for this Citibank card that I did not want, nor did I want to set up automatic payments for my XXXX membership to that card. The rep told me that unfortunately he could not waive any other additional fees except for that {$37.00}, and that I was responsible for paying the other charges to the account. I told him that I wanted to talk to someone that can take my complaint, or if he can provide me with an address so that I can write to Citibank regarding my complaint. The rep told me that he couldn't do that, but that he can have an account manager contact me regarding my complaint in 2 days. I told the rep that I was fine with that. It's been 7 days and I have yet to hear from anyone from Citibank. On XX/XX/18 I called in to pay the {$120.00} for the XXXX membership fee. Today XX/XX/18, I called in to check the balance on the account, and they told me that my balance was {$100.00}. This is ridiculous and I shouldn't have to pay Citibank 's fees.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (GA)

Went to XXXX XXXX and ordered product. Product was {$110.00} total. XXXX XXXX  made duplicate charge for same day - XX/XX/2024 and for same amount and submitted charges to Credit card. This is a duplicate charge from XXXX  XXXX company. Contacted credit card and submitted dispute. Credit card obtained documentation from XXXX  XXXX which shows 1 invoice, 1 charge for {$110.00} on XX/XX/2024. XXXX  XXXX did not submit any documentation for 2 charges of {$110.00} each. 
Credit card statement of XX/XX/2024 shows 2 duplicate charges. 

Credit card will not reverse the 2nd charge of {$110.00}. Credit card is Citi Bank Costco Anywhere credit card. Citi Bank  card needs to reverse this charge as they received information from XXXX  XXXX. Citi Bank mishandled this situation and needs to fix it immediately.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I stopped using my Capital One card some time ago. Capital One assessed and annual fee and at some point had disabled my text alerts. I did not get any payment notification or alert of an issue. Then they assessed fees and report me to credit bureaus for an annual fee which is NOT legal.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

15 U.s code $ 1666b law this creditor has violated my rights..

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) 16 u.s.c. 1681 section 60s a right of privacy Gives consumers the right to ensure that the information on their credit reports is not only correct but private.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I sent Carter-Young Inc a debt validation letter two times on the following dates : XX/XX/21 & XX/XX/21 and each time Carter-Young Inc has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you!
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a mutual account opened with my partner we used our debit card for all trip transactions making sure we have all the money for everything we end up after they process all the transaction with overdraft we never understand why because all the money was there we went to the branch we close the account n we open a regular account each after XXXX  years later I have my direct deposit from my employer they took my money without any type of notification I call same day they said was on hold making sure the check don't bounce back was weird for me because my company it's a big international company I been receiving my check no problem for XXXX  years I call back today they said bc this past overdraft with no notification they took my money
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: HUNTINGTON NATIONAL BANK, THE (CA)

In XXXX of XXXX, I made my mortgage payment 29 days late. Payment is due on the XXXX  of the month, I paid it on the XXXX  of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/XXXX  payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was Chemical Bank. Sometime after this incident, TCF Bank bought out Chemical Bank. Sometime after that, Huntington Bank bought TCF Bank. Huntington Bank is the current lender who refuses to change the incorrect status of this report.
Consumer complaint received 2023-05-10
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)

XXXX keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I recently became a customer at Wells Fargo, opening a business checking account, a personal checking account, and a savings account. However, I received a notification that Wells Fargo plans to close all my accounts soon. When I called for clarification, I was told I needed to visit the bank in person and then call again. This lack of clarity and the potential disruption to my financial activities are concerning. I am prepared to address any issues and provide necessary documentation, but the abrupt notice and the unexplained disappearance of {$25.00} from my savings account, which I consider theft, have left me needing urgent resolution. I request your immediate intervention to prevent undue disruptions and address these serious concerns promptly.
Consumer complaint received 2023-04-23
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. (IL)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NC)

Ally continues to send statements requesting to make payment. XXXX checks have been sent to them to address this issue, twice. 
Ally Bank refuses to release title from car loan to The total amounts of car loan has been paid. 
Below you will see copies of statement from Ally Bank addressing this issues. 
Copies of checks send to Ally by XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

For the past 2 weeks I have been unable to use my Citibank Double rewards credit card. They only have 1 verification method and sadly other creditors have 3 or more ways achieveing verification. I have spoken 2 3 XXXX customer service reps including their fraud department. They have taken my account and blocked access for a 2week or longer investigation.

The dumb part is i can access the account via my mobile phone and citi app. However theres nothing that their customer service or fraud department " claims to be doing ''. It is gwtting to a point that im going to cut the card in half and need a credit card with american speaking customer reps that can tell a difference between fraud and a person purchasing breakfast and the prior charges in the account are from the same retailer..Ive been kind but if this doesnt resolve soon. I will rescind further payments and see if i can sue for the account mistakes. I was repeatedly asked by citibank reps if i had a checkings account with them and i dont, and never did. I only had a credit card and dont understand citibanks major malfunction ...
Consumer complaint received 2024-04-12
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)

I sent the 3 credit bureaus a letter asking them to DELETE this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly DELETE the following accounts : 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 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

I have attempted several times to handle this Situation with equifax regarding the breach of my privacy, this company keeps stalling. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, 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 2024-05-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Real Time Group, Inc. (FL)

I am writing regarding an installment payday loan account from XXXX XXXX XXXX XXXX that was sold to your company, I emailed the original creditor and attempted to speak with a manager at Real Time Resolutions. I took the loan out in XXXX of XXXX to help with additional funding for a vehicle, I paid some payments when I had financial stability, I lost several jobs over the years along with multiple deaths of people I know, being disowned/cutoff by people I know due to personal reasons and continuous financial problems as I was a burden on them. I am currently homeless without a vehicle, income of any sort, no financial assistance from anyone, I have stated MULTIPLE TIMES THAT I AM NOT IN A FINANCIAL POSITION TO PAY ANYTHING AND THAT I DO NOT EVEN HAVE {$1.00} IN MY ACCOUNT. I WANT THIS DEBT FORGIVEN ALONG WITH ANY MONEY THAT HAS BEEN PAID TOWARDS THE ACCOUNT ALONG WITH {$170000.00} IN LOST WAGES BY CERTIFIED CHECK OR DIRECT DEPOSIT BY XX/XX/XXXX, EST OR I WILL SUE FOR {$300000.00} WHICH INCLUDES LEGAL FEES!!! THIS ACCOUNT IS PAST THE STATE LIMITATIONS WHICH IS SIX YEARS AND NO LONGER COLLECTIBLE BY LAW IN WHICH THEY SEEM NOT TO CARE ABOUT AT ALL!!!
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have been disputing information on my credit report for the past year! My lawful rights have been violated by Experian, XXXX, And XXXX. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response. 

After submitting my complaint I have received another stall letter from Experian! I have submitted all identification documents and disputes and they still have not removed this inaccurate information from my credit report. It is causing injuries to me! I have been able to purchase my home.
Consumer complaint received 2024-04-12
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. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
I am requesting that those charges be removed.
Consumer complaint received 2023-04-23
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. (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. XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

I paid off my balance and closed my accounts 3 weeks early ( XX/XX/2023 ). I see I was charge additional interest fees and when I tried to resolve this with Comenity bank, I was advised that they will not waive those fees. When I did not accept that answer and wanted to speak to a manager, I was hung up on several times and every single person I spoke with only further escalated the issue. They spoke down to me, talked over me, said things like, " the more you speak, the slower I work '' and each and every one of them refused to let me speak to someone higher than that person. They kept saying they would transfer me to a manager only to pass me around to their colleagues. My last interaction one again hung up on me when I asked to speak to their manager and not a colleague for the 4th time. It has cost this company more to speak with me about the finance charges than it would have been to credit them. I have never been treated this way by any company and since there is no other way to report this abuse, I am left no choice but to report it here and with the XXXX ( which I will do after this ).