davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

Citibank has repeatedly lowered my credit limit despite no changes to my credit score or credit usage - I pay more off, they lower my limit. I pay more than the minimum- they lower my limit. My income has increased- they lower my limit. I filed a complaint earlier in the year with this agency, it was passed along to Citibank, they reviewed it and immediately denied the request to restore my credit limit. They are actively harming my credit score by repeatedly lowering my limit to make it appear I am using more credit - its been cut in half over the several years Ive had the card, despite no late payments. They also lower it shortly before the statement closing date so I hit the limit when they tack on interest. 
I believe they are targeting me because I have an Armenian last name, an XXXX group Citibank has been accused of discriminating against. 
https : XXXX
Consumer complaint received 2024-05-10
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Debt Busters (MN)

I received a threatening letter in the mail. on XXXX, 2024 This letter had no return address or company name. Just an XXXX number. The letter said that I must respond " within 10 days '' regarding my account. " Failure to respond '' was highlighted in the letter. With threats that I would accrue " unreasonable '' interest and " penalties '' if I didn't respond. The final paragraph reads, " In order to determine the feasibility of an adjustment to your outstanding balances it is important for you to contact our firm at XXXX within 10 days of receiving this notice to avoid unnecessary delays in processing your request. '' I thought I owed {$25000.00} to this company after reading this letter. 

I contacted the company at the number given. Only to find out this is a debt relief company, Debt Busters, designed to help people pay down debt. I had no previous contact with this company. I did not owe this company any money. I did not contact this company at any time in the past. 

This is a violation of the FTC act in this letter was deceptive and misleading. Nothing in this letter identifies it as a advertisement.
Consumer complaint received 2024-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted information to Transunion that my student loan has been paid off. This is a very old account, 20 years, always in good standing. I complained they had the balance wrong. There was a {$22000.00} payment in early XXXX and the balance was paid/canceled in XXXX. They vindictivly removed the ENTIRE account and 20 year history because I made the complaint. They made me lose more than XXXX points off my credit.
Consumer complaint received 2020-07-30
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. (SC)

In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on Experian, XXXX and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX
Consumer complaint received 2023-06-09
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. (MN)

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 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 2024-07-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/year> I purchased XXXX XXXX gift cards from XXXX. All cards were loaded with {$500.00}. To date, XXXX of them decline my attempts to make purchases. On XX/XX/XXXX all XXXX cards declined my purchase attempts. When I call the company the representatives are not helpful. They're also difficult to understand.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX account number XXXX and any others, has violated my rights under FDCPA section 809 15USC 1681, XXXX XXXX XXXX was notified by USPS Certified mail on XX/XX/2023 twice to provide Validation of Debt, XXXX XXXX XXXX has failed to provide that Validation, Further more XXXX XXXX XXXX also violated my right under FDCPA 1692E ( 8 ) failure to report my dispute with XXXX, Transunion, and XXXX. I have downloaded proof of this matter in the CFPB portal.
Consumer complaint received 2024-06-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/XXXX my mom was diagnosed with XXXX  XXXX XXXX. She passed in XX/XX/XXXX less than 30 days after losing my grandma also. 

I added account assure to XXXX XXXX XXXX credit card in XXXX. According to updated terms as of XX/XX/XXXX, account will be suspended after 90 days or three billing cycles past due. 

I MADE payment in XX/XX/XXXX, missed payment XX/XX/XXXX, missed XX/XX/XXXX, and XX/XX/XXXX due to circumstances trying to care for my dying mother and grandmother. 

They reported to credit bureaus in XX/XX/XXXX that my account was 30 days late. 

In XX/XX/XXXX I applied for the account assure benefit for event in XX/XX/XXXX. It was denied because they claimed my account assure had been canceled. But according to the terms of contract, the credit bureau report, and last payment made, they had no right to cancel my account assure at that time! 

I have been in almost weekly contact with account assure since XX/XX/XXXX. No one can give me any answers, no one will correct their mistakes, and 5 times I've been told that the situation was escalated and that I would receive a call back but never did! I have spoken to their customer service agents and supervisors.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Amercian Express lowered my credit limit without informing me. My statement says that my credit limit is {$2000.00} but when I went online to make my payment on the due date of XX/XX/XXXX, the credit limit had been reduced to {$1500.00}. This {$500.00} reduction intentionally put my card at the limit which means they intentionally hurt me and my credit score. My credit XXXX score was XXXX, which is still considered GOOD credit. Therefore, there should have been no reduction to my credit when I am and have ALWAYS been an exceptional paying customer with every one of my credit cards and with American Express since XXXX. In fact, due to my exceptional payment history, I was given a credit increase without ever asking for one. Their excuse was that one or more of my other credit cards had high limits, which still had my credit score XXXX, but for them to force this card to the limit only intentionally makes it look like I have forced the card to limit. Thereby making me look like a higher risk when I had more than a {$1000.00} available balance on their card. They also know that this will intentionally hurt my credit score. To do something intentionally to hurt someone is pure evil. I did absolutely nothing to deserve this horrible treatment but ALWAYS PAY MY BILLS EARLY OR ONTIME AND ALWAYS PAY OVER THE MINIMUM AMOUNTS OF EVERY SINGLE CREDIT CARD THAT I OWN. I have attached a copy of my statement and the letter that I just received from American Express. Also, when I called in on XX/XX/XXXX, I was told by XXXX that I had to pay {$270.00} by XX/XX/XXXX, in order to have my credit limit restored. That is equivalent to nearly 7 payments. This is clearly unfair, and it should be against the law to be allowed to hurt a loyal and outstanding customer in this way intentionally.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I had my credit card limit reduced without my knowledge and when went to make a purchase I was totally embarrassed to be made to feel like a criminal or some irresponsible person. It was absolutely humiliating. I have been an outstanding customer to Citi. I HAVE ALWAYS PAID MY BILLS EARLY OR ON TIME AND I HAVE ALWAY PAID MORE THAN THE MINIMUM AMOUNT DUE. My credit limit was {$3200.00} according to my last statement ( attached ), but they apparently reduced my credit on XX/XX/XXXX, XXXX the excuse given was that I had one or more of my other credit cards near the limit, but not theirs until they intentionally reduced my limit to make their card appear as though I have raised it to the limit. Thereby intentionally hurting me and my credit score and making me appear a greater risk. This was done to me despite me having a Good credit score of XXXX Who reduces someone's credit limit when they have Good credit? This was intentional evil. My credit limit was reduced to {$2500.00}. That is {$700.00}. This happened when I had available credit of {$770.00}. That means this card is now at the limit when it should still have nearly {$800.00} available credit. To intentionally do something to hurt or harm someone in any way is evil. I was told that I can have it looked at in 6 months. I received credit increases without even asking for them due to my payment history and now they are reducing my credit limit when I have done nothing to deserve it but pay my bills early or on time. NEVER LATE.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (AL)

I purchased a vehicle from US Auto Sales in XXXX, my vehicle was repossessed today by claimant Westlake Portfolio. I have no knowledge of this company. I requested information from them stating they were the owners with none provided. I need help please
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Betterment LLC (MA)

I am writing to formally lodge a complaint regarding a series of mishandled transactions and lack of resolution on my Betterment checking account. The details of my concerns are as follows : On XX/XX/year>, I received an email abruptly terminating my client agreement with Betterment, citing that your platform and services were deemed not suitable for my needs. At that time, my account balance was {$15000.00}. 

Subsequently, on XX/XX/year>, I received a request to upload a valid U.S. government-issued photo ID due to the large dollar amount in my account. I complied promptly. 

On XX/XX/year>, I was informed via email that XXXX had determined deposits from XXXX into my account were fraudulent and were being recalled by the card processor. Consequently, my account was locked to prevent a negative balance until the funds were recalled. 

Despite my assurance and evidence that the transactions with XXXX were legitimateI had booked and subsequently canceled ticketsthe account remained locked. 

On XX/XX/year>, I discovered a debit transaction dated XX/XX/year>, labeled " Internal to Program Reserve, Debit to offset Issuer Dispute XXXX Returns '' with a withdrawal of {$15000.00}. This transaction occurred without my authorization or notification, further exacerbating the situation. 

Despite numerous attempts to seek clarification and resolution from Betterment, including providing evidence from XXXX confirming the legitimacy of the transactions, I have received no satisfactory response or action. 

This sequence of events has caused me significant distress and financial inconvenience. Betterment 's handling of my account and the subsequent unauthorized debit have not only affected my trust in your services but have also impacted my financial stability.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (GA)

I applied for credit builder account last year to boost XXXX XXXX. I have had XXXX accounts with them previously. I have never been late on my biweekly account as you will note. However they signed me up for a credit builder plus account which is an additional fee that i was not aware of. I was making my payments to them and noticed were they were taking twice a pay period for the same loan so I put a stop payment with the bank. The original loan payments continued and were never late. They reported me to the credit bureau as late and Ive never missed a payment as you will see. I contacted them directly on XX/XX/24 and was on hold XXXX minutes without resolution. This account that was supposed to help my credit and I never missed a payment on has negatively affected my credit
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NE)

I was assigned as an executioner of my deceased sister 's estate and living trust, along with my niece whom along with her children are the sole beneficiaries of the estate. One week before my sister ( XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/year>, we provided New Rez mortgage company copies of my sister 's estate along with the trust. After being ran around in circles with this company, I decided to escalate the matter to a manager. We were promised by New Rez that we are authorized to speak on behalf of the account. Once, we were authorized to speak, one of the very first questions I asked if the ( at the time ) past due balance of $ XXXX was caught up, will they foreclose on the property. Secondly, my sister had submitted an application for debt relief due to XXXX and she was approved. New Rez along with the secondary mortgage never responded to either one of the questions. This went on and on for several months along with being denied from speaking on behalf of the estate because New Rez suddenly said the estate and trust material provided was flawed. We went back to the estate attorney who drawn up the estate booklet and trust originally for my sister, but she was unwilling to support or standby her legal work. This mess has been going on since XXXX and both New Rez and the secondary mortgage company terminated all communication until foreclosure.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Been banking with Bank of America for 30 years and just this year XXXX  its been a mess, where my bills werent payed for insufficient funds were funds were available because Bank of America seems to have these weird unlike any other times with these withdraw amounts and times that are way off and might have caused these situations that are just not right. I would call or chat with a representative about this with no help, also I would get unusual credit for what was owed and was denied but when the next day I would see all credit back into my account. Even more than what I initially expected, was relieved for getting credit back but next few days the credit would be taken out with no explanation. These and other unexplained transactions, withdrawals and credit in a unusual time would really set me back with bills not being payed and caused all kinds of fees with Bank of America and other credit card bills that were not payed and caused my credit score to get very low and situation snowballed to out of control. Im very angry at other lenders and credit cards that would take a huge credit line loss and caused me damage to me and my credit where I have worked to hard to have a high credit score for many years. I feel like this is unfair and these new ways how things are handled is not ethical and now I cant do anything. Its causing me great deal of XXXX  and XXXX.
Consumer complaint received 2023-06-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFC Recovery LLC (WA)

AFC Recovery, LLC sent me a undated letter which I received XX/XX/XXXX. 
The letter stated that they were trying to collect a debt owed to XXXX and that as of XX/XX/XXXX I owed {$350.00} and now owed an additional {$600.00}. 
I have no memory or records of any outstanding debt. 
It is my belief that any debts I owed in this time frame were paid in full and I have received no communications in writing or electronic in the past 10 years indicating otherwise. 
I do remember checking my credit report about 10 years ago to assure myself that any outstanding debts had be settled. 
My current credit report shows no record of any such debt. 
If I ever owed XXXX this money I believe that they either : - did not properly credit payments received - did not bother to inform me of a balance due for over 20 years Additionally this debt was not submitted to any credit reporting agency. 

On XX/XX/XXXX I responded to AFC Recovery, LLC using the form they provided and stated : I wanted to dispute the debut because I think- This is not my debt - Other The statue of limitations on debt in Washington State is six years I have never received any original bill for this debt I wanted AFC Recovery to send me name and address of original creditor This response was sent by USPS Priority mail and received by AFC Recovery on XX/XX/XXXX On XX/XX/XXXX I received another letter from AFC Recovery, LLC dated XX/XX/XXXX stating they were the new owners of this so called debt. 

I do not keep records going back 11 years. I honestly have no idea if this particular debt ever existed but I most definitely have heard nothing about this in 10 years.
Consumer complaint received 2023-07-29
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: CITIBANK, N.A. (MI)

This account is reporting an amount that I disagree with. This was a secured credit card. I had to deposit {$200.00} to access that amount in credit. The card was closed. The company did not return the security deposit nor did they apply it to the balance. I've reached out to the company by phone several months ago, by mail and through disputes with the credit bureaus.