davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Citicard Credit Card In XX/XX/year> I called XXXX XXXX XXXX in order to make my monthly payment using the Touch Tone System as I have done innumerable times and was transferred to a person. I was told I could make my payment with the person which I did. Then the person said I could have an offer of 0 % on purchases through the end of the year. I said okay and took the offer. 
In XXXX I signed on the Citicard website to generate a Virtual Card Number and was first greeted by a screen informing me I could make a balance transfer for XXXX XXXX and would be charged XXXX XXXX  for about a year with the monthly minimum payment being applied to interest and then the lowest interest rate balance. I took the offer and moved about {$4100.00} from XXXX to Citicard. 
In XXXX I called monthly to make my payments with the intention to pay all new charges above the initial balance transfer but my balance transfer had been mostly paid off. 
Why? Because of a scam! 
Citicard did not reveal any friendship towards me in this regard. No. It was a shell game and they were faster than my eyes. 
They used the last month of the initial 0 % offer to cover the new offer and deplete my balance transfer whilst I was making the prescribed payments only to find out I was being charged high interest rates on balances I was trying to pay off but was suckered into an agreement that Citibank 's computers knew would eat away at starting immediately. This is a crevice I fell into and I am sure many others have. I've been a good customer of this company. 
I was scammed. 
Note : Admission : Citicard is quicker than the eye.
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I went to the New Jersey Special Civil Court ( XXXX XXXX ) on XX/XX/2023 to represent myself against a lawsuit brought against me by Capital One for a credit card bill. The judge mentioned that the creditors have the right to issue warrants for consumers and have them arrested and forced to pay the amounts that the creditors want. During my court date, the judge excused me because he stated that there was a Motion To Dismiss for this case/lawsuit. Still, Capital One is reporting negative information to the credit bureaus for this account. More disturbing is the fact that I believe they were overcharging me by not applying the proper amounts to the principal on my credit card, and charging bogus fees. These deliberate miscalculations occurred throughout the duration of this account 's history with them.
Consumer complaint received 2023-08-11
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. (KY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-04-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

My payment to XXXX of {$20.00} on XX/XX/2024 was canceled. I've called my bank and they said that they have not received any return payments from cashapp because cash app has stopped the return payment. I've tried to find out where and why my money is stopped and have been repeatedly lied to and laughed at and hung up on by cash app customer service representatives. Specifically XXXX and XXXX. I would like to submit complaints on both of them : XXXX and XXXX. 

I also would like to have my {$20.00} returned to my account. I also feel that because of the difficulties presented by all cash app customer service involved, that I should be compensated further for my troubles. This service is unacceptable and the fact that cash apps own agents have canceled my refund payment is a distinct violation of the cash app terms of service. And the fact that no one can tell me what I did to have my payment canceled is another violation of the cashapp terms of service. The fact that I've been lied to for 3 days is another violation of cashapps policies. Why has my {$20.00} settled in cashapps accounts but not my own? I want my {$20.00} credited to my account today please. I've attached screenshots of supporting information on this transaction from my debit card statements and cashapps application stating that the money has settled but not in either of my accounts. 

On Thu, XXXX XXXX, 2024, XXXX XXXX  Cash Support XXXX wrote : Hi XXXX, I understand your concern and appreciate you letting us know, I've logged this complaint for review. For reference, your case number is XXXX. I apologize for the inconvenience and would like the opportunity to assist you further. 

If I don't hear back from you regarding this matter, I'll assume you're satisfied with the response. 

Regards, XXXX XXXX. 

Cash app support ref :! XXXX.! XXXX : ref
Consumer complaint received 2023-08-11
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. (OH)

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I should be in the settlement with Wells Fargo mortgage I lost my house in 2019 after having it for several years because they kept going up on mortgage and escrow to where I just couldnt pay it. I had to sell my house for for little of nothing
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.
Consumer complaint received 2019-11-25
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. (CA)

I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but XXXX  has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

Ally on line bank has customer service XXXX The problem you can never reach a real person, the wait times are sometimes XXXX hour and XXXX minutes, you can call at any hour of the day or night and never talk to a customer service person. 
I blocked from reaching my account information For example if a XXXX XXXX in maturing you have 10 days to make a decision or it will rollover automatically What if I want to withdraw my funds, I am blocked The reason I was calling customer service was to have the interest on mu XXXX  paid monthly I was blocked to on line access because I changed my email address and the verification code would be delivered to a closed email account
Consumer complaint received 2022-09-05
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: Santander Consumer USA Holdings Inc. (FL)

XXXX  XXXX and XXXX have yet to provide me with their methods of Verification for a Santander loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-27
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. (MI)

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks
Consumer complaint received 2023-11-27
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. (MI)

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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. (NY)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I filed a claim in regards to the Equifax data breach from XX/XX/XXXX to XX/XX/XXXX XXXX due to I have had time was spent making calls to Equifax trying typing and creating dispute letters and looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent calling Equifax Multiple times time was spent filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent standing in line at the post office. This happened around XX/XX/1920 I spent over 20 hours my loss was due to you know, notary vaccine, postage copies, my mileage, my time you know my long distance, my phone phone bill and I come up with about {$4000.00} in in a claim.
Consumer complaint received 2023-11-27
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.
Consumer complaint received 2022-09-30
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. (TX)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

My Citi card was compromised. I called Citibank on Thanksgiving day XX/XX/19. Citibank refused to issue conditional credit or even send me a letter stating the amounts in dispute. They claim this is not the policy of their fraud department which is incredulous to me. This happened to me once before for a large number of small charges. I only received credit for roughly 1/2 of them after 3 months of calling them about it, I am not willing to do this again or pay for fraudulent transactions to my card. 

The amounts are : XXXX to XXXX XXXX XX/XX/19 XXXX to XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 TOTAL {$1200.00}
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (OH)

I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws
Consumer complaint received 2022-10-12
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX