davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OH)

Id like to file a formal complaint against CitiBanks Best Buy Credit card. 

This past month ( XX/XX/XXXX ) my husband and I applied for a equity line of credit from our bank. I was told my credit score was to low to be approved for a loan because of a closed Best Buy from Citibank credit card. 

I contacted Best Buy immediately to find out what this was about. They told me that in XX/XX/XXXX a charge for {$19.00} was made on the credit card and not paid, so the account was closed in XX/XX/XXXX and reported to the credit bureaus as delinquent. 

Here is the background on the BB credit card. 

My husband and I were purchasing a lot of items from BB in XXXX of XXXX. BB persuaded me to open a BB credit card account in XXXX of XXXX to take advantage of an offer ( a BB gift card for {$300.00} ). My Credit score at that time was around XXXX so I was approved immediately for the card. I was set up with daily promo Emails from best buy and electronic statements. 

I purchased several items on the BB card for over {$3000.00} and paid it off in full on the due date XX/XX/XXXX. 

Unbeknownst to me my husband purchased something in XX/XX/XXXX for {$19.00} on the credit card. 

The BB statements were coming via email along with daily BB promo emails. I thought they were all promo emails so never opened them. 

No one from Best Buy/Citibank reached me by phone nor did I ever get anything in the mail about this {$19.00} charge. 

After being denied the equity line of credit I called Best Buy and spoke with XXXX said she would contact Citibank on my behalf to resolve the situation. 

XXXX contacted CitiBank 's XXXX XXXX ( XXXX ) who told us it doesn't matter the circumstance or that the charge is {$5.00} or {$5000.00}. The {$19.00} was not paid and the account was closed. They will not allow me to pay the charge nor will they removed the delinquent status to the credit bureaus. 

XXXX of Citibank 's only communication with her was phone, fax or regular US mail, No email. Yet Citibank 's only contact with me about the Best Buy statement was via email which was lost among the hundreds of emails from BB. 

I have asked XXXX XXXX of CitiBank with out success to please allow me to pay the {$19.00} charge and for them to remove your negative reporting from the Credit Bureaus. 

I called one of the credit bureaus and they said the negative report from Citibank will remain on my Credit report for 7 Years. 

My combined credit available to me is $ 70,000+. We typically owe less than 10 % of that each month. I pay off ALL our credit cards in full every month and have done so since getting my first credit card at XXXX years old. 

Please note this complaint against Citibank, ask them to allow me to pay the {$19.00} charge and remove the negative report from my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My payment is due today. So went online and made a payment but it would not let me select todays date ( XX/XX/XXXX ). Instead even though I am paying today and my due date is today the first date I could choose is tomorrow XX/XX/XXXX. I was charged as late fee even though I paid on the day it is due. 
When I called Capital One they told me I had to pay before XXXX. I asked them to waive the late fee because I paid on the due date but they would not. If my payment date is today and I will paid today I dont think I should be charged a late fee.
Consumer complaint received 2023-06-05
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. (MD)

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 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 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, MN XXXX USA Subject : Complaint Regarding Unauthorized Application and Request for Removal from Credit Profile Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX regarding an unauthorized application made in my name and to request the immediate removal of this application from my credit profile. I recently discovered that an application was made without my knowledge or consent, which has negatively impacted my creditworthiness and financial well-being. I kindly request your prompt attention to this matter. 

To provide some context, I have never applied for any credit products or services with XXXX or XXXX. However, I was shocked to discover that an application was made in my name without my knowledge or authorization. This unauthorized application has had a significant adverse effect on my credit profile and has made it difficult for me to obtain credit or secure favorable interest rates. 

I am deeply concerned about this unauthorized application and the potential implications it may have on my financial standing. I have taken immediate steps to protect my personal information and have reported this incident to the appropriate authorities. However, I now request that XXXX and XXXX take immediate action to rectify this situation and remove the unauthorized application from my credit profile. 

I kindly ask that XXXX and XXXX conduct a thorough investigation into this matter to determine how this unauthorized application was made and how my personal information was accessed without my consent. I also request that XXXX and XXXX provide me with a detailed explanation of the steps taken to rectify this situation and prevent a recurrence in the future. 

Enclosed with this letter, please find copies of relevant documents, including any correspondence or statements related to this unauthorized application. These documents serve as evidence of the unauthorized application and the negative impact it has had on my credit profile. 

I urge XXXX and XXXX to address this matter promptly and take all necessary actions to remove the unauthorized application from my credit profile. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me. 

I appreciate your immediate attention to this matter and expect a timely response within [ number of days ] of receiving this letter. Please provide me with updates regarding the progress of this complaint and any further actions I should take. 

Thank you for your prompt consideration and cooperation in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

For over a year there have been multiple increases in interest rates without notice. As of XX/XX/XXXX my interest was 16.49 %. By XX/XX/XXXX interest rate was 17.99 %. No notice was sent. I have never received any notice for any interest rate increase ever ; as there have been many more increases that I am finding in my records. I have contacted them requesting they lower my interest rate a week ago ( Mid XX/XX/XXXX ) and they did not honor my request. 
My current rate is 20.99 % with Chase freedom unlimited rewards card. 
Chase ( Card Services ) XXXX XXXX XXXX, XXXX, DE XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I'm working on improving my credit I have been paying off any out standing debts ether by paying the debt In full or by working out a settlement with the collection agencies XXXX and XXXX XXXX have recognized this and my score has improved dramatically experian insists on reporting the same accounts inaccurately as only being written off and not paid or settled they will not recognize the fact that I am trying to fix this issue and I believe they are operating in bad faith
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-03-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding multiple attempts made to remove fraudulent items from my account. 

To my dismay, despite multiple attempts to rectify this issue, the fraudulent items have not been adequately addressed. Despite providing all necessary documentation and details regarding the unauthorized transactions, the resolution process seems to have been prolonged unnecessarily, causing me significant inconvenience and frustration. 

I understand that instances of fraud can be complex and require thorough investigation. However, I expected a more expedient and effective response from your company in resolving this matter. The lack of timely action has not only impacted my financial security but has also eroded my trust in your company 's ability to handle such critical issues. 

In light of these circumstances, I urge you to take immediate action to rectify this situation. I request that you promptly investigate the unauthorized transactions on my account and ensure that the fraudulent items are removed without further delay. Additionally, I expect a clear and transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and stress caused by this ordeal. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest opportunity. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 2016-01-25
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been receiving numerous communication of misleading information as to name and information of a true Creditor, Accounting and Personal information mixed with a different Debtor. 
One example in one written notice I received it even had my bankruptcy filing information such as case number having the first digits mixed up too.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

the debt collector engaged in abusive deceptiveand unfair practices of FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on a legal ; contract is signed by two parties and I did not participate in any of it More so they didnt follow the proper 5 step validation procedure which make this unfair practices
Consumer complaint received 2024-03-16
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My original loan date is XX/XX/2021 which has exceeded the two-year loan seasoning period. Cardinal Financial is advising that I only have two options to qualify for remove PMI. I can qualify based on the original property value by making a principal curtailment of {$40000.00} to pay the Unpaid Principal Balance ( UPB ) down to {$380000.00} or I can qualify based on the substantial property improvements by providing a detailed list of substantial property improvements completed. After the two year seasoning period one can qualify to remove PMI based on the CURRENT value not the original property value.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the proof that my account was charged off, but they were unable to do so. 
I literally traded my car in and they are reporting it as a charge off on my credit report, which is harming me.
Consumer complaint received 2023-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (OH)

On XX/XX/2023 I purchased {$33.00} worth of food from a concession stand at an art event and was charged {$730.00} instead of the intended amount. I drove back out to the event the following day and spoke with the owner who assured me the charge would be reversed and stated that they never provide receipts. After contacting my bank they issued a credit for the disputed amount and then received a legitimate charge for services from the vendor therefore taking back my money. I contacted the bank again and they stated that they have to reopen the investigation and can issue no credit as their investigation proved that the overcharge was legitimate.The merchant is XXXX XXXX based out of XXXX XXXX.
Consumer complaint received 2023-09-12
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: Caliber Home Loans, Inc. (NJ)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CALIBER XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, I should not incur any charges for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance regarding this matter.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2020, XX/XX/2020, and XX/XX/2020 an unknown individual gained access to my banking information and made four separate XXXX transactions from my savings and checking account to themselves ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ). During this same time I believe the individual changed my personal email password numerous times as an attempt to keep me from seeing the bank emails that notified me of the XXXX transactions. I would reset my password and then a few hours later I could not access my email. When I looked in my spam folder I saw four emails from the bank notifying me of the transactions. I immediately called my bank to notify them. My case was turned over to their fraud department. The fraud department concluded that because the individual had my login and password, they are refusing to return my stolen money. These transactions were unauthorized by an unknown person or persons.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (DC)

I recently received a copy of my credit report for LexisNexis, and I found out that there is plenty of old addresses I found on my credit report. These addresses are outdated, and I no longer reside with them. Also, I found other addresses that I do not recognize at all.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

" When requesting to delete XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX  XXXX, you also deleted an address with the name XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX. Please restore it to my credit report history, the correct address that should not have been deleted ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (CA)

On XX/XX/year> I viewed my consumer report and sadly saw a collection account and several unauthorized inquires. My rights are being violated pursuant to 15 USC 1681b ( c ). These unauthorized accounts are causing my consumer file to be inaccurate. i know the consumer reporting agencies need to report a consumer credit file accurately, by law. Please investigate these following accounts and delete them from my file immediately, until then I demand a cease and desist of communication from these companies and me including reporting any negative data on my consumer report : XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachment for supportive documents to my claim.
Consumer complaint received 2024-05-24
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. (SC)

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness.