davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (KS)

I have a credit card issued from Country Club Bank and the account is managed by Elan Financial Services. I made some purchases on the card last year. Probably over a year ago? The purchases balance is about {$2500.00}. They began to send me offers to transfer higher credit card balances for a fee in exchange for a XXXX XXXX interest rate for a fixed period of time. I do these transfers periodically to save money on interest. My monthly balance is between XXXX XXXX XXXX XXXX per month of which approximately pay down XXXX XXXX XXXX XXXX per month. I discovered that none of these payments are applied to the {$2500.00} balance, rather they are applied towards the lowest XXXX  interest rate which is XXXX XXXX .. Once I discovered this I asked for a credit for the interest paid on the {$2500.00} to which I was denied. I was told I needed to pay off the balance of $ XXXX to retire the {$2500.00} bearing the XXXX XXXX XXXX It seems petty but they refused to resolve this and I wonder how many more people this is happening to. The customer XXXX told me that when I accepted the balance transfer offer that this policy was clearly stated which is not true. I could have easily paid off the {$2500.00} balance if I knew it was incurring XXXX XXXX interest charges. I have paid {$1300.00} in transfer fees and {$150.00} in interest in XXXX. More in XXXX. I asked for my {$150.00} and was treated like like I had no other options. They continue to apply my payments to XXXX XXXX  and will continue to charge the higher interest unless I pay CC off in full.. I spoke to a XXXX named XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

IN REGARDS TO SEVERAL ACCOUNTS ( accounts listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that the referenced accounts below account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts : XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$5200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE
Consumer complaint received 2023-11-26
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. (MA)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX  from XXXXXXXX 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 an account without my written instructions.

This account reported on my credit report is a fraudulent account.
Consumer complaint received 2023-11-26
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. (MA)

In accordance with the Fair Credit Report Act XXXX, XXXX from 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 an account without my written instructions.

This account reported on my credit report is a fraudulent account.
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In XX/XX/year> I purchased a car through credit acceptance. In XX/XX/year> I was injured at work and unable to continue making my payments. In XX/XX/year> my car disappeared. I called credit acceptance to ask if they had repossessed my car due to non payment they advised me they do not do repossessions. I never found my car and I was never able to resume paying. I recently looked at my contract that stated that if I am delinquent on my payments my car will be repossessed they are lying to me about repossession of my car they are still charging me and they are charging my account as 180 days late for the last 6 years when they already repossessed my car they are destroying my credit and my life
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

The company is Citibank. I inquired on XX/XX/XXXX about my new card being issued as my old card expired. I placed a call to have a new card issued in the event the replacement was lost in the mail. I spoke with XXXX, a supervisor at CitiBank. She informed me that a letter dated XX/XX/XXXX was sent to me as to the closure - a letter I never received. When asked as to why it was closed, she stated that she could not tell me the reason why. My account has been in good standing since I opened it and I have not defaulted on payments. Also, the bank kept asking me to verify my address in order for them to tell me which address they sent the letter to which seems suspicious to me.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

Had total car lost insurance payed by XXXX The account show in credit report XXXX closed. I was supposed to receive XXXX only got XXXX . Day collected XXXX XXXX XXXX and XXXX the payments and put me in collections.and my score from XXXX went down XXXX points called credit report did dispute bit they dont go back and see the other credit report. I do have them Each month changes but still says collections and disabled and cant by because the interest will be high. O will provide all info in documents if needed
Consumer complaint received 2018-08-30
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. (CA)

I am lodging a new complaint on an ongoing issue because my original complaint ( XXXX ) was closed out, although Transunion did not completely fix the problem. 

This is a joint account and they have failed to fix the error in reporting for my husband. When I spoke to Transunion on the phone yesterday XX/XX/XXXX, they claimed they had contacted our credit union and verified that we are late on payments. Today I spoke to our credit union and they said that have never been contacted by Transunion. In other words, the Transunion " supervisor '' I spoke to yesterday lied to me. If we were delinquent on our payments, how is it exactly that Transunion is able to clear it up for me but not my husband? I called Transunion today to report that the supervisor had lied to me. They refused to explain to me what their own internal process is for protecting consumers against this kind of dishonest behavior ( and were incapable of having a real conversation. The representative I spoke to today literally kept reading the same lines over and over word for word instead of responding to my concerns. It's baffling that they pay humans to read scripted lines when they can just have a computer do this ). We still have no resolution and this has been going on for 2 months. Again, the other two bureau 's are having no trouble whatsoever reporting correctly on this account. The account has a {$0.00} balance and has had for months, including the months that we were supposedly delinquent.
Consumer complaint received 2023-05-08
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Sunday, XX/XX/2023 Account number : XXXX Explanation : The closing with non monetary relief of the above referenced account is not a well enough remedy to the damage inflicted upon my credit report/scores due to having this unverified account on my report. 
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must delete any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently deleted from my credit report. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, XXXX, and Transunion have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-25
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. (MO)

I am writing to express my deep frustration and dissatisfaction regarding the multiple unsuccessful attempts to correct the inaccuracies on my credit report, specifically concerning late open accounts and the removal of late closed accounts. Despite my persistent efforts to rectify these issues, they persist, casting a shadow on my financial standing and causing unwarranted distress. 

I first brought these concerns to your attention, and since then, I have made numerous attempts to resolve these matters. Unfortunately, my previous attempts have proven fruitless, and the late open account and late closed account continue to mar my credit report, negatively impacting my creditworthiness. 

This situation is not only causing me financial hardship but is also eroding my confidence in your dispute resolution process. I have submitted the required documentation and followed the established procedures diligently, yet the corrections have not been implemented as expected. 

I demand an immediate and thorough investigation into the persistent issues with my credit report, with a specific focus on the late open account and the removal of late closed account. Furthermore, I insist on a detailed explanation for the repeated failures to address these matters adequately. 

I understand that errors can occur, but the prolonged nature of this issue raises serious concerns about the effectiveness of your credit reporting system and dispute resolution procedures. I expect this matter to be treated with the urgency it deserves, and I demand a comprehensive response within the exact time frame from the date of this letter. I am asking for your assistance to correct these late open account and remove the late closure in my credit file : 1. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2023-05-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Consumer complaint received 2024-05-05
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: U.S. BANCORP (TX)

I was receiving XXXX XXXX services from XXXX XXXX and they billed my debit card 7 times for a copayment. XXXX XXXX XXXXXXXX states that if I have a XXXX XXXX XXXX  there is no copayment because they cover the entire visit. Due to this I contacted U S Bank to complain and they sent me 7 forms to fill out that were all the same due to XXXX XXXX collecting {$25.00} 7 different times, total {$170.00}. 
I am XXXX XXXX and thought I filled out these forms the best to my ability but somehow I am now being denied my money that was fraudulently taken from my account using the debit card from U S Bank.

Originally I didnt realize they werent supposed to take this copayment until I contacted XXXX XXXX 
Please help me get my money back. 
XXXX XXXX sent billing to XXXX under the name of XXXX XXXX because she is the owner.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (MO)

A 3rd party company ( Westlake Portfolio Management ) has taken over my account from the company XXXX XXXX XXXX ) between XX/XX/XXXX & XX/XX/XXXX, however Westlake Portfolio refuses to send me proof of the contract I originally had with ( XXXX XXXX ) and also refuses to accept payments lower than the full amount of over XXXX dollars. My account has been charged off and the charged off letter specifically stated that the company would work with me. Every single time I contact the company attempting to make a payment that is less than the full amount, the company representative threatens to repossess my vehicle. My Vehicle was repossessed in XX/XX/XXXX and gave back to me without me making any payment, due to two representatives stating no payment was needed for me to go and get my vehicle. My vehicle has been repossessed once again. It was repossessed ( The End Of XXXX ) after I was told I didnt have to make any payments and I could receive my vehicle back, after repossessing my vehicle once again due to the company proclaiming to have made a mistake. This company ( Westlake Portfolio Financial ) refuses to take my payments and refuses to send me proof of my original loan contract, and also refuses to release my vehicle back to me.
Consumer complaint received 2023-05-22
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. (MS)

I submitted a complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

I am Marcus by goldman sachs Bank customer. I request polish translator to assist me. Bank informed me '' If you were able to open an account you need to speak and understand XXXX '' I was informed they don't have to have thus service for clients. I expedited I would like to understand what was said and polish is my first language. Supervisor XXXX disregard my request.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I applied for a Costco Anywhere Visa Card by Citibank and was denied. I was emailed a letter with the reason for denial but didn't understand the reason. I attempted several times to contact Citibank and was not able to receive the additional information that I needed. 
Furthermore, the denial was based on information provided by XXXX. I attempted to speak with a customer service representative, at XXXX, about the matter and was not able to. The only option given through the automated system is to be provided a credit report or score. 
I would like further clarification of the explanation for my denial from either Citibank or XXXX. 
Thank you for your assistance in this matter.