davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (OK)

I was speaking with XXXX a person claiming to be a supervisor in the fraud department. After she verified whom I am, she called me " ma'am '', this is XXXX XXXX because of my voice. She then refused to remove the hold. Refused to get q supervisor. Refused to answer questions.
Consumer complaint received 2022-03-03
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. (TX)

Dear CFPB, I never authorized any transactions or any account to be reported on my credit file. 
According to the Fair Credit Reporting Act, legally these unauthorized items must be removed and immediately. 

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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XX/XX/2002 while checking to confirm my two Citi credit card accounts were linked, their website identified a third card that could be linked. This was a Citi Bank debit card with only the last four numbers shown. I first called the CITI credit card unit, after 20 minutes they informed me they could not find this card nor explain why it shows up on the website. They transferred me to a banking unit. After another 20 minutes the representative told me they could not find any card and gave me the number for their retirement unit. After waiting another ten minutes to actually speak to someone, the representative there informed me they could not help me nor explain why this card is showing up. She then told me that I would have to speak to the Credit card unit. I asked her to connect me to a supervisor, which she agreed to do. After another 20 minutes I was connected to the general line which then disconnected. I then called customer service again and once again was supposed to be connected to a supervisor but was disconnected. I subsequently called again and after a failed attempt to help me connected me back to the CITI retirement unit. I spoke to a supervisor who was able this time to find a closed account, but did not find any debit cards. He was still unable to explain why your website indicated that there was a debit card that could be linked. After spending over one and one half hours on the phone and speaking to eight different people, and being disconnected several times I gave up with no resolution to my problem regarding the Debit Card. I sent my complaint via e mail to the CEO of Citibank but did not get any response. I am writing to you with the hope that you can have the appropriate person contact me by phone or e mail, and explain why your website shows that there is a debit card when none of your service people or supervisors can find one.

After several emails from CITI that only confirmed what I knew from the beginning, that this Debit card was part of a now closed retirement account. Citi still failed to remove the card from their website. When I notified them that the card was still listed they sent me a followup email.

I have recently been emailed with directions to yet again call CITI retirement customer services to get the card removed from their website. This is the same customer service that was unable or unwilling to help me get this debit card removed from their website. I do not want to wast more time on the phone with their customer service having to start my complaint all over again.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In 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
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Ive contacted Experian, XXXX XXXX XXXX by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called Experian today XX/XX/XXXXXXXX XXXX XXXXXXXX EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the law.
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After disputing my adverse information that was falsely reported, XXXX rectified the issue on their end. Trans Union has up until this point refused to rectify the issue on their end. Now that the finally acknowledge their errors, on XX/XX/2020, Trans Union went ahead and removed the account from my credit file entirely. Now they are stating that this is why my credit score hasn't gone back to where it was prior to XXXX falsely reporting that I was 30 days late. I contacted XXXX, which confirmed that they didn't remove their file from my credit report. They actually reported to Trans Union on XX/XX/2020, that there are no issues with my account, and there has never been any issues with my account. I've contacted Trans Union, which refuses to provide me with any type of proof that it was XXXX deleted the account. When connected with a supervisor, his exact response as to why he wouldn't provide the information to me was " I don't have to. '' The document I am providing proves XXXX is reporting the account as current.
Consumer complaint received 2021-06-26
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: Credit Plus Inc (GA)

XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 Credit Plus XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX XXXX and XXXX that I would like removed from all of these bureaus
Consumer complaint received 2018-12-06
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. (TX)

I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX  : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX Equifax : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kashia Services (CA)

Receive a phone call from my employer in XX/XX/XXXX stating that XXXX XXXX Inbox Credit is trying to attempt to collect a debt dated back XX/XX/XXXX with a wage assignment form. I called the company on that same day to resolve the debt they stated they couldn't help me and wanted my employer to send them back the form fill out with my payroll information. I don't even remember getting this loan out and no prior contact was made to be via mail or phone call. they sent my employer a incomplete form which I've attach.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of COVID layoffs and I requested the 90 day grace extension. i was told this was granted. However they only applied it to ONE of my USAA cards, the other is now reporting past due.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have tried several times over the last XXXX months to obtain my credit report from Equifax on its website. I get the error code " XXXX  '' and told to contact Equifax by phone. I did this immediately. I was told I needed to fax my social security card and driver 's license to XXXX. I did so the same day ( XX/XX/2021 ). A week later I received a postcard in the mail from Equifax stating " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : -You have not applied for credit recently. -You have not actively used credit in the past XXXX years. -You have not lived in the United States or have not been issued a U.S. Social Security Number. '' And they also say to contact XXXX and XXXX. I do not have any issues with XXXX or XXXX. I am able to access and have credit scores with XXXX and XXXX. My two credit card companies tell me they report to all three bureaus. 

I have two credit cards and I'm a US citizen with a SSN. This is preventing me from obtaining a car loan through my credit union because they pull from Equifax only and they receive a fraud alert on their end when they try to pull my report from Equifax. I have called Equifax numerous times since and I am told the same thing EVERY TIME. They tell me they haven't received my documents and to resend them. How has Equifax not received my documents but yet they send me a postcard every time stating they are unable to locate my credit file?
Consumer complaint received 2022-07-23
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 XXXXXXXX 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 connot furnish an account without my written instruction.
Consumer complaint received 2022-07-23
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: ALLY FINANCIAL INC. (CA)

I contacted Ally bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP (NJ)

these people know that it was fraud and they continue to harass me. I told them not to send me any literature any mail. They are violating my rights. This is fraud and the bank knew it was fraud and Im talking to the bank regarding this issue. They keep sending me stuff they are violating my rights. When I tell them to stop sending me stuff they should stop automatically. Im seeking legal action against them.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

It was several bank account that was closed due to fraud activity, that someone stole my information and my identity.Also i had and credit union account with Navy Federal and XXXX XXXX  that was also closed at time i was in XXXX XXXX my account with Navy Federal was hack where someone had my information and despoit a fraud check also with XXXX  where they are saying that i cash the same check with XXXX XXXX and XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.
Consumer complaint received 2020-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust received payoff for our loan on XX/XX/2020. We were advised it would take about 15 days to close out our escrow account. After that time I contacted them again and they said our escrow refund had not been sent yet. I called again after the XXXX of XXXX and was told our refund check was mailed on XX/XX/2020. After a week of not getting it I called and again was told it takes up to 10 business days. We did not get the check by that time and I called again and was told it was mailed and I needed to give it more time. Today is 28 days since Suntrust received payoff and we still have not received our escrow refund. I called today and after a 30 minute hold XXXX answered by call. I explained everything to him and told him this is not acceptable. It never took 30 days for my payment to get to them and it should not take 30 days to receive a check they mailed to me. I asked to speak to a supervisor who could authorize a stop payment and overnight me a check. He put me on hold a few minutes, came back and said they were working remotely and it might take another 3-4 minutes. I told him I would hold because this needed to be resolved. Instead of him putting me on hold, he disconnected the call. I used to work in a call center, I know calls are disconnected when the associated doesn't want to be bothered with the problem. Suntrust at this point owes me my check, plus interest at the rate of XXXX which is what I was paying on my loan.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.
Consumer complaint received 2022-06-15
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. (MS)

I did not authorize any of these inquires on my credit report 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 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: First Technology Federal Credit Union (SC)

I am a member of First Tech credit union. I have a consumer credit card with them. 
I did a recent cash advance transaction. I wanted to know how the interest is calculated. They told my interest rates are increased. 

Last statement I received from them was on XX/XX/2022. In the statement i got on XX/XX/2022 the interest rates ( XXXX ) for purchases will be 9.750 % and then for cash advance XXXX will be 10.750 % Today, First Tech representative told that my interest rate is 11.750 % XXXX for purchases and 12.750 % for cash advance. 

I wasn't notified of the rate increase per the law XXXX Reevaluation of rate increases. 
On those grounds, shall I dispute the rate increase without formal notification? 

The representative told that the rates would be published in the statements. Since I didnt get statements for XXXX, XXXX, XXXX, XXXX of the year XXXX The institution didnt make any effort to notify the change in XXXX.
Consumer complaint received 2021-10-21
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. (WI)

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.