davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Hello, I have a Costco Citi Visa. I usually make my payments through the phone. However, I decided to download the app and make payments online. I made a XXXX payment using my checking account and routing number. A week later I received an email day the bank didnt recognize the account. I immediately called Citi. Together the Citi rep and I called the bank immediately and verified that there was plenty of funds. The first Citi Rep checked and confirmed the account was the same checking account number that I used for pervious payments and didnt know why that happened. So while I was on the phone with her I made an XXXX payment over the phone. 

I tried using card and it didnt work. I called and the Citi Rep said I had to wait 48 hours. I waited 48 and checked my account to make sure funds were cleared. Again declined.

Called again they said there was a hold on my account for another two weeks due to the returned check. 
After a much to long conversation, we called bank again verified that the XXXX was cleared and Citi rep said they would get the hold off In a few hours as well as credit the {$29.00} return check charge. 

This morning a called to double check and the automated service said my account was closed!! As you can imagine how very upsetting this was for me. I called for the 3rd time and spoke to the supervisor of the supervisor. Again after a much to long conversation he said he would put In a review request to reopen account. 

I feel that the online payment system is flawed. It shouldnt accept an incorrect account number. How was I to know I keyed in 1 wrong number. I went on the app to find where I had keyed in the wrong number it only shows last 4 digits so I couldnt verify the number myself. At that point I had to cancel the monthly automatic payment I set up in fear it was the wrong number. 

Lastly, I just tried to log in my account to see what online payments I set up with other providers/vendors were paid and they locked me out!!! 

The way Citi Costco has handled this situation On tip of closing my account is so wrong in so many ways. 

1 ) The closer will negatively affect my credit score 2 ) in order to requests the account be reopened they will have to do a credit inquiry which will also negatively affect my credit 3 ) I had set up many of my payments for auto pay with this card that I now have to cancel 4 ) it has been humiliating getting calls from medical providers and vendors for declined payment. 
I hope you can help me and get Citi to change their online app payment protocol. I cant imagine I am the only one who has accidentally entered one wrong number of their account number I can choose to walk away, let it go and apply for a new card but I feel that this business practice is wrong and hurts customers. Not to mention we are in the middle of a pandemic and it would be nice if they could provide better business practice!
Consumer complaint received 2022-06-20
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. (GA)

XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts need to be deleted from the credit profile.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I use PayPal on a daily basis to send and receive money. Today on the XXXX of XXXX i received an email from PayPal including the following : " During a recent review, we found an unacceptable level of potential risk associated with your account. As a result, we've permanently limited your account and you can no longer use PayPal. '' I have {$2500.00} usd and {$2200.00} aud in my paypal balance and for them to close my account without reason just because they see a potential risk in keeping my account open even though ive been using paypal since 2018 and never had a problem.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a Capital One credit card that went to collection due to miss payments. I had complications with my XXXX and stop working. Capital One sold the account to XXXX XXXX XXXX, XXXX Capital One still showing on my credit report. I have requested a validation letter to this other collector XXXX XXXX XXXX since they can't prove that I signed a contract with them, I'm not paying this account unless they prove me that.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Citibank. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020
Consumer complaint received 2022-06-20
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: SUNRISE CREDIT SERVICES, INC (DE)

in accordance with the Fair Credit Reporting act XXXX the account with sunrise credit services, has violated my rights. 
In the amount of {$780.00}, opened on XX/XX/2021. 

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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERIS BANCORP (GA)

My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I'm a recent victim of three online scams including identity theft and financial fraudulent charged and unwanted charges. I've been in touch with all three credit reporting agencies. I want to place verify that an initial and extended fraud alert is in place with all three agencies and that they have received my letters of updated phone number, address and other updates. I want them to remove and add and new security freeze to all three files and a security alert. this needs to be done asap.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (VA)

Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX XXXX XXXX And Experian said that my disputes for verified and 100 % accurate XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

ditech Financial Services issued a revised billing statement at the same time as ditech announced implementation of the XXXX XXXX XXXX XXXX XXXX platform. The statement date of XXXX/XXXX/2016 does not indicate the date when the statement was likely placed in the mail. I believe that that date could have been about 7-10 days afterward. The statement did not arrive at my address until on or about XXXX/XXXX/2016. I do not believe that ditech has control of their internal mailing process.
Consumer complaint received 2022-06-20
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. (VA)

Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX XXXX Transunion And XXXX said that my disputes for verified and 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation
Consumer complaint received 2022-06-20
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXXr # 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 2022-06-20
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: EQUIFAX, INC. (VA)

Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX  Equifax XXXX And XXXX said that my disputes for verified and 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I do all my banking online. When I logged onto to pay my Citicard payment in XX/XX/2018, Citicard said it was converting my Visa to a MasterCard, and in the process, told me no minimum payment was due. I tried to make a payment anyway and the website would not allow me. Additionally, I did not have access to any of my account information and was not able to use the " Help '' function online. 

Yesterday, XX/XX/2018, I received a bill in the mail, and it said my account was 30 days past due and charged me a {$39.00} late fee. I immediately telephoned and made a {$250.00} payment and asked for the {$39.00} fee to be waived. I should note that I was on hold for a long time and the entire call took nearly 30 minutes. I was told I had to call back for the {$39.00} to be waived once the payment had posted. 

I called back today, XX/XX/2018, and 1. a customer service rep said she waived the fee ( which I can not verify because I have not access to my account ), and 2. I spoke with " XXXX '' in the Client Focus Team. I still do not have access to my account online, I still can not see the {$250.00} payment applied to my account, and I am not able to make my XX/XX/2018 payment in any other way except snailmail ( although I don't have any idea how much I owe because I can't access my account online ).
Consumer complaint received 2021-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm writing this complaint because I have had several issues with the Transunion. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

Mortgage payment was returned for NSF. When contacted Mortgage company to pay over the phone I was advised not to pay it. I was told the payment would go through a second time automatically. Contacted the Mortgage company a few weeks later to discuss the payment again. Was then told the Payment would not be pulled automatically and that I needed to pay it. Money was in the account waiting to be paid. The mortgage company reported a 30 day late to the credit bureau. It should have never happened. It was completely the Mortgage companies fault..
Consumer complaint received 2018-08-07
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. (IL)

XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX requesting a Public Record on my File be removed from my report. which show up as a bankruptcy, along with a letter from the U.S court house stating that they don't report to third parties. The Bankruptcy isn't even under XXXX XXXX. Equfax stated to me over the Phone that the U.S Courts Reported the bankruptcy to their company I ask Equifax to provide me with the information from the U.S Courts the person from Equifax stated that the cant.
Consumer complaint received 2022-02-02
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. (NY)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (FL)

I have been repeatedly contacted at my office which I. Stated I could not be contacted at. XXXX the individual tries to force me to verify personal info social dob etc. says unpaid balance from XXXX XXXX XXXX XXXX collecting for XXXX I send to send letter or contact alt number I would not give personal info. He then said he will contact my employer to have wages garnished. Fairly certain. This is illegal and not a legal payday company or in Florida. Not to mention debt collecting policy etc. these people harass and should be shut down
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
Consumer complaint received 2023-04-07
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: LCI Acquisition Inc. (NV)

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. 
Account name : XXXX & XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  Site coordinator Account name : XXXX XXXX XXXX  Account name : XXXX XXXX retailer Account name : XXXX XXXX violates 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 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 2022-06-20
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)

n accordance with the Fair Credit Reporting act 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXXXXXX XXXXXXXX -Account Number XXXX XXXX XXXX