davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Equifax continues to report inaccurate, unverifiable, and non- compliant information on my credit report. According to your last response, you verified my bankruptcy through XXXX XXXX XXXX. Well, I contacted XXXX XXXX XXXX and there are NO bankruptcies listed in their records. So, who are you getting this information from? I have enclosed a copy of the bankruptcy section of my XXXX report and it clearly shows there are no bankruptcies. Immediately delete the bankruptcy from my credit report because it is not verifiable and inaccurate.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

After reporting Citi 's fraudulent late charge to the relevant credit bureaus, they vindictively locked my card and forced me to call in to regain access to my account. I believe this is yet another clearly intentional and vengeful act this company has perpetrated against me for reporting their felonious activities. The company is angry they've lost a customer and are trying to attack me to prevent me from spreading the word about their untrustworthy business practices.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NY)

In accordance with The Fair Credit Reporter Act XXXX  account Indigo XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-04-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX a charge of {$100.00} was made to XXXX. I originally made a donation of {$100.00} to XXXX XXXX  ON XX/XX/XXXX, and this charge appeared the next day. I contacted Bank of America to start the process of a fraudulent charge and have a new card sent out. The new card arrived and I felt like the situation was resolved because the charge was removed. I received a letter on XX/XX/XXXX stating the charge was reversed, due to merchant provided documentation confirming I received the merchandise or service. That is false and I called again and spoke with someone. This back and forth calling about the charge has continued with it either being a billing dispute or a fraud charge. Ive spoken to at least XXXX people. I finally ended up writing a letter with additional information stating the phone number given to me during one of the phone calls went to a real estate and injured wild life message. There was no information to leave a message or speak with someone. This website is in California, and I have no reason to need anything from there. 
I have received two more letters telling me that that since I personally didnt make the charge ( s ), we confirmed it was made by authorized user on the account or someone who has permission to use the card. I cant get BOA to show me any proof of what merchandise or service I supposedly received. I have been a customer for XXXX  years, and this is how Im treated. They simply will not budge on crediting my account. This is not a large amount, but yet I never authorized it, and will continue to get interest added for this unpaid charge. It is obvious BOA doesnt care about any customer whether youre new or a long term customer like myself. This situation has been ongoing since XX/XX/XXXX.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I left on military XXXX, which did not allow me to have my phone or computer while on orders. Nissan Motor Corp. reported missed payments on my credit. I had family try to submit my payments on time. Nissan denied the payment, NOT because of sufficient funds. I just want to show proof that I am in the military. I did try to submit a payment on time, I just these 2 missed payments erased please.
Consumer complaint received 2022-12-20
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)

I have disputed the collection account XXXX XXXX XXXX several times and this is the second attempted complaint in reference to this collection company and TransUnion credit Bureau. The original credit card company XXXX account was open XX/XX/XXXX, credit limit {$300.00} and was closed charged/written off XX/XX/XXXX. XXXX XXXX is reporting this closed account as open with a past due balance of {$750.00}. Incorrect reporting/inaccurate right? Again this has affected me adversely and as a consumer I'm held to a standard of practice why is the credit bureau and collection company are allow to disregard and or not be held accountable to the FCRA compliance. When notified of the error they reply with account verified.
Consumer complaint received 2022-04-19
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (KS)

On XX/XX/2022, I paid {$1200.00} for some yard cleanup service with my Fidelity rewards Visa Signature credit card via XXXX XXXX, as the lawn service provider only accepted XXXX XXXX payments. 
XXXX XXXX  charged me an extra fee of {$36.00} ( $ XXXX {$1200.00} ) for using credit card. I was okay with that fee and went ahead with the payment. 
I was unaware that this is treated by Fidelity as a XXXX XXXX, for which I was charged a substantial fee of {$61.00}. I was already charged an initial fee of {$36.00} by XXXX XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the XXXX XXXX fees, I am also getting charged interest because of the XXXX XXXX. The interest rate for XXXX XXXX is 24.24 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Fidelity would process this as a XXXX XXXX. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Fidelity and they claimed they could do nothing for me. I asked them if they could disable cash advances on my credit card, so that this doesn't happen again in future. But they told me that it is not possible for them to do that. 
I feel that this is a XXXX violation as a Deceptive practice, as well as XXXX. I was told that I will get pummeled with a huge interest rate until I pay my card completely down to {$0.00}.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NY)

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

In XX/XX/XXXX, I opened a credit card with Best Buy to purchase a TV. The promotion was 24 months interest free. I worked with the guy at the desk to determine the payment amount to pay off within that period ( which was clearly incorrect ). I was also encouraged to set up paperless billing. Thus, each month, my payment. Recently, I looked at the account, and the amount had nearly doubled. After looking at the statements online, I figured out that this occurred in XX/XX/XXXX. I was charged {$900.00} in a balloon interest charge on an account where the starting balance was less than {$2000.00}. I was provided ZERO notice that this fee would be implemented. After reviewing the statements, I did see that there was some smaller print under the payment instructions stating that the promotional balance was expiring, but there was no other notice, and the paperless billing made it so I did not see that statement. I immediately contacted Citi to request to pay off the amount, as well as a reasonable fee, but they were unwilling to work with me at all. They stated that they may have been able to help me if I had called within 60 days ( 2 months ). When I called, it had been less than 4 months. Not to mention that the interest rate was apparently 25 %, something that they definitely do not highlight when you are signing up for the card. 
This practice seems predatory, especially at a time when people 's lives are still disorganized from the pandemic. I was not asking for complete forgiveness, but simply some recognition that this was a mistake and a reduction as a result. While I am able to pay this amount off, many others are likely just stuck in this continuous debt with them. This will be a significant financial burden to me, as I chose a career in XXXX XXXX. I'm just frustrated with the predatory pushing of these deals, the clandestine imposition of the balloon interest amount, and the unwillingness to accommodate when confronted with it.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (PA)

KeyBank and XXXX XXXX have completely mishandled my loan application process. They have given me countless pieces of FALSE information regarding a MAJOR financial decision. They are misleading and never explained to me that KeyBank and XXXX XXXX are actually the same company. XXXX XXXX even made claims that their loans were better and that the process is completely different with XXXX. Not until late in the closing period did they tell me they wouldnt be able to help me since I already had an application in process with Key. Additional false information given to me by XXXX XXXX XXXX was : 1. Husband and wife applying together holds the same financial liability as one spouse applying separately ( my wife has XXXX XXXX  ) 2. A new application cant be opened easily if I want to remove my wife from the application 3. XXXX XXXX and Key are not the same bank and have entirely different teams and processes. Appraisal can not be transferred from one to the other. 
4. A bad appraisal can not warrant a new one being ordered. 

Ill be hiring a lawyer. See you in court. Havent had this issue with other lenders. I wonder if XXXX XXXX has anything to do with this.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

On the XXXX of XX/XX/XXXX I opened a checking account at a TD bank branch in New York. 
A friend of mine was referring me. As advertised on my referral form I was supposed to get {$50.00} when one out of two criterion is met, and I quote, " no later than 95 days from account opening '' ( XXXX XXXX XXXX XXXX XXXX did comply with the two criterions : 20 qualifying purchases with my TD debit card within 60 days and more than 5 qualifying direct deposits of at least {$250.00} ( XXXX, XXXX and XXXX statements attached ) 4 months after the deadline I still haven't received this bonus yet. 

I reached out to TD bank several times : On the XX/XX/XXXX, the XX/XX/XXXX I wrote to the customer service online but they kept asking me to contact the TD Bank Store which the account was opened for further assistance ( XXXX XXXX ) On the XX/XX/XXXX I wrote an email to the branch representative that opened my account. No answer yet ( email-XXXXf attached ) I visited that branch on the XX/XX/XXXX and talked to a representative On the XX/XX/XXXX I sent the supporting document asked by this representative. No answer yet and no outcome yet ( XXXX attached ) On the XX/XX/XXXX I wrote to the customer service online that used again the ping-pong method and suggested to visit the branch ( XXXX attached ) I also called the TD bank customer service on the phone in vain
Consumer complaint received 2022-04-19
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: Experian Information Solutions 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. 
XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Capital One, and here is my account number : XXXX XXXX XXXX, 2024, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This account was deleted from on XXXX XXXX then added back as verified and updated. Please fix this correction and delete this account from my credit report. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

This bank is crazy Im a loyal customer with my macys and Bloomingdales I recently applied and was approved for my XXXX macys and they shut down everything and its not fair I want my accounts reopened the reason the letter makes no sense returned payments in last 6 months their is no balance and then I called the credit team they Sais Im right and these accounts shouldve never been closed they said their eligible to be Reinstated what they have done to me is wrong cut off my charging orivigled and these letters with the reason make no sense after a review of my account what review if I pay on time and this makes no sense they said their executive office closed my accounts and is blaming the credit team the number on the letter
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (CA)

I have tried multiple times to clear XXXX XXXX XXXX Derogatory comments on my credit report. This account was NEVER mine. My credit history validates this as I do not have negative payment history. Experian is falsely displaying inaccurate information about my open and closed accounts. 
I have tried multiple times to have them investigate and they keep returning this is valid debt when it is NOT a valid debt and was never my debt.
Consumer complaint received 2024-03-13
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. (IL)

I do not recognize these credit inquiries and I have asked for them to be removed. The credit bureaus did not do as I asked. Im providing a identity theft report, and I am requesting the Inquiries to be removed because they are inaccurate and not mines.
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (LA)

On XX/XX/2022 I sent a letter of verification of debt to Southwest XXXX. I have not received any letter verifying I owe a debt. But, they reported the old collections to XXXX as a new collections today, XX/XX/2022. This dropped my credit score and is stopping me from establishing new lines of credit and buying a house.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I had a alert on my credit report from my fico. Describing my information being available on the dark web, After the alert, I had several credit cards that were charged fraudulently without my approval. I would like these removed from my credit profile. And the accounts closed for good. This is affecting my credit report. Tremendously and has caused a economic and financial Burden.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Started in XX/XX/XXXX I began working XXXX XXXX I did not know and he was going to do XXXX XXXX for me. Had me sign up for all these apps. Apps started taking money out of my account without my permission. I reported to Bank of America in XX/XX/XXXX. Just received mail yesterday my account was closed XXXX no explanation why I was not given back some of money they told me in letters was credited to my account. Then they reported me to XXXX XXXX and that lead to my new personal bank putting me on hold and now I cant use my debit card til this gets resolved. I dont understand.
Consumer complaint received 2024-03-13
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)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).