davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citibank is currently taking advantage of customers by allowing a monthly service fee to trigger and overdraft fee charge. Banks that need to find predatory ways to gouge money from customers like this should be sued and fined for those practices. XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX no longer do this because they have been sued over it. Even though we're still dealing with the pandemic they haven't adjusted any of their business practices. My concern doesn't just sit with me its the concern there are those whom can be harmed just like me. The error in my situation was the banks fault and they tried to blame me and write off the lack of integrity a bank would need to have to allow their own charges to trigger other charges. I want others to be safe and understand that Citibank 's style of business is predatory and they shouldn't bank with an institution like this.
Consumer complaint received 2018-07-09
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. (MI)

XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF XXXX XXXX XXXX FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (SC)

I am continuing my complaint with resurgent as they are relentless. After harassing myself, mother, brother, and grandmother in law over a debt I'd set up a payment contract with the originally creditor who cancelled it upon the 1st payment. 

They repeatedly ignored cease and desist notices calling to the point we changed numbers threatening legal action ... .even sending someone to my former residence and bypassing no trespassing signs. 

The lawsuit they continued sending all info the the wrong address. They failed to represent themselves and the case was denied. They continued sending collection notices to my current address but then refiled for the lawsuit sending the information to the wrong address which failed to notify me in time to receive proper representation. upon that the judge sided with them based on a sea of lies. He stated he'd stop them from contacting me. But the fact remains I do not owe this debt to them. The contract was cancelled by the original creditor. 

They have since then bombarded me with collection notices going back nearly 15 years. They keep coming despite repeated cease and desist notifications. They will not stop and I am in the processing of obtaining legal counsel to see what my legal recourse for this company is. Note the above fore mentioned debt has been removed from my credit report and the agencies sided with me that it was a cancelled contract,
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from Nelnet student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with Nelnet were purchased by XXXX  my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from Nelnet. The credit bureaus disputed but results came back saying to contact Nelnet. I reached out to nelnet via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to Nelnet asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX.

Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXXXXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
Consumer complaint received 2022-03-12
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: CORELOGIC INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

To whom it may concern, This debt was on my credit report in the past under another debt company " XXXX XXXX '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXXransworld systems Inc. and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (NC)

Citi financial called my home when I was n't there. Upon returning home, my boyfriend told me that Citi financial called to collect on a debt from Home Depot that had not been paid in 2 months, the amount missed, and the amount needed to pay to bring the account current. This account was personal. He did not know about the account and I did not want him to know about the account. I feel like they violated my privacy by sharing my personal information with someone other than myself.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

had a late payment XXXX months ago with my mortgage company citimortgage,XXXX months after my wife filed a bankrupcy repayment plan for the payment and ever since then, they 've been reporting me XXXX days late to my credit agencies, after XXXX calls and a credit union dispute, nothing has changed, they are still reporting me XXXX days late.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Throughout XXXX I attempted working with TD Bank regarding unauthorized activity on my account. I hired a private investigator who tried calling the same rep I attempted to call over 20 times, XXXX XXXX, and she didn't return either of our many calls. Ms. XXXX denied the fraud claim I brought forward and despite my repeated calls and requests for full documentation as to why the claim was denied. TD acknowledged that fraud had been on the account and for some reason they decided to deny this claim with the main reasoning that I had checked into the app. Unfortunately they never asked about the repeated times when I did try logging in and TD app would say it was unavailable. 

I was denied my Reg. E rights for a full breakdown as to why claim was denied. I also had my private investigator reach out to XXXX to explain he found malware on my computer which helped explain the repeated fraud. She never asked for a follow up. I've been on XXXX for the better part of 5 years and having money stolen along with my pay being slashed has been unnerving. The fact I've been ignored by TD has been even more upsetting. I've asked for simple checks and balances and not responding has been their course of action. I have an attorney who's done a one time consult with me who mentioned trying the CFPB and FTC since they gave some blanket response to the XXXX. That counsel has advised he'll take on my case if we're unable to make any progress here or with the Federal Trade Commission. 

Thank you XXXX XXXX
Consumer complaint received 2018-07-09
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. (FL)

On XX/XX/2018 I received a fraud alert text from Citi Card of possible fraudulent activity on my card. I replied that I had not made the purchase in question. I asked them to NOT cancel my card, because the last time they did that ( they do it frequently because their system keeps getting violated and I have to keep paying for their lack of security ), it cost me HUNDREDS of dollars in penalties and fines when they failed to transfer the new information to my automatic payment accounts.

They cancelled my card anyway, which I found out when I was almost stranded when the card was declined when I attempted to purchase gasoline. I called numerous times and each time after lengthy hold times and being transferred numerous times and being routed though the  XXXX where neither of us could hear each other, I was told I would get new cards. After a wait of a few days for the cards to arrive, I tried to use the cards, but the wrong name came up AND my purchase was declined! I called Citi card and was transferred 4 times. I was connected to the XXXX department, when it was not a XXXX card. Then I was transferred to XXXX XXXX, but that was not the correct department either. After being transferred a few more times, and having to give all of my information each time, I spoke to an agent and after more than 26 minutes, she told me they would need to replace the cards yet again! She said that maybe they processed them incorrectly because the authorized user 's name was on my account instead of mine! Then the agent tried to pre authorize the purchase that I had been attempting to make and it would not go through because their system was flagging fraud, despite all of these attempts to fix that! I don't think it would be possible for Citi to make any more errors in this process. I have wasted HOURS on hold and being transferred and I am so incredibly frustrated and aggravated! It is wasting time I don't have and can not get back! I don't think they should be allowed to get away with such a low level of service and care with people 's information. Why is it that I need to have my card replaced so many times? My credit was ruined by the XXXX  XXXX XXXX 's errors many years ago and now I am going through a similar situation with Citi 's incompetence and this scares me.

The final agent was helpful. I am angry that Citi has such bad service in general, but " XXXX at the Kentucky call center '' tried to help as much as she could.She has been the only agent I have dealt with at Citi in a long time that seemed competent.
Consumer complaint received 2024-03-06
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I took out XXXX XXXX XXXX XXXX auto loan but somehow a credit card account was opened too. I never did this. The XXXX XXXX fraud team sent me an e-mail validating this is not my account. Please remove the reporting for the XXXX XXXX XXXX XXXX closed credit card account. It is a balance for about {$3000.00}.
Consumer complaint received 2024-03-06
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. (GA)

In accordance with the Credit Reporting act XXXX Account : XXXX XXXX amount : {$910.00} date : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : {$1100.00} date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$740.00} date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$740.00} date : XX/XX/XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

.15 U.S.C 1681 : Section 602 states I have a right to privacy. 
.15 U.S.C 1681 : Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
.15 U.S.C 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (CA)

I have previously contacted Experian about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX sent funds to Bank of America 's routing number XXXX ( Receiver XXXX ) on  XX/XX/2018. Attached is the transaction information for the transfer of {$15000.00} on XX/XX/18. The trace number for the transfer is XXXX. 

My account at bank of america is closed but XXXX did not receive a rejection of funds. Pls check your suspense account to locate the funds
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (MI)

In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-03-28
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. (GA)

In Accordance with the Fair Credit Reporting Act : XXXX Bank 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-09
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. (MI)

XXXX XXXX failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2024-01-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp. (FL)

On Thursday, XX/XX/2023, my wife and I went to XXXX XXXX XXXX in XXXXXXXX XXXX based on advertising we had seen on TV and online advertising that there was XXXX percent interest on XXXX vehicles for well qualified customers. This information was available at XXXX XXXX XXXX 

We spoke to a salesperson when we arrived. He told us that there was only 8 % to 10 % financing available. He said that he had never heard of any other financing and that XXXX percent and lower rates were not available. Since he was not aware of what was advertised, we asked him to find out from the finance manager for the dealership what was available. He came back and said that limited special financing was only available on the XXXX and some type of hybrid vehicle. We said that this was not correct and did not match their advertising. He then said that lower financing rates were available on certain vehicles, but that it was only available on 2023 models and that they did not have any on the lot. We pointed out that the one vehicle he had shown us that we were interested in, which was a XXXX XXXX, was a XXXX XXXX We then decided to leave the dealership and call national XXXX since we were getting nowhere at the dealership. It seemed to us like a typical bait and switch type advertising scam. 

We called XXXX XXXX at XXXX. The person that took this call advised that there was XXXX percent available for well qualified customers and that someone from national XXXX would be calling us back since this matter had been escalated. We were told that they would call us back within XXXX hours. We asked not to be called back by the dealership since they had already not been honest with us. 

We never received a call back from national XXXX, and still have not. However, at the XXXX mark we did receive a call back from the dealership that we had asked not to be contacted by. The caller was XXXX XXXX, who said that he was one of the owners of the dealership. He said that XXXX XXXX had shared all of our information to him and asked him to handle this at the dealership level even though we had specifically asked for this not to happen. He said that the salesperson had only been with them for a month. They had obviously not had enough training as they knew nothing about inventory or financing. Evan stated that there was no XXXX percent available anywhere in the southeast region on any XXXX vehicle. We got nowhere talking to this person and never got the call bacj from national XXXX.