davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

XXXX XXXX I paid my CITI Bank credit card account in full, as I do every month. I signed up for paperless statements at that time. I did not charge anything on my CITI card until XXXX XXXX for {$36.00}. In early XXXX XXXX I received a phone call from CITI stating my account was over due. I had not received any notification that I had a balance due and they had charged me {$62.00} in late fees. Although I had been receiving email about my CITI Rewards account I had NOT received any regarding my CITI credit account. I spoke with 3 different people at CITI regarding a reversal of the late fees since I was not notified of a balance due per our agreement ( paperless statements ). XXXX the CITI manager stated her records showed that CITI sent me emails, BUT in XXXX they were returned as undeliverable so they would only reverse XXXX late charge. I never received ANY emails from CITI regarding my credit card account since I enrolled in paperless statements. I do n't believe CITI when they say, they were going to you and now they are n't but we sent them!! Now you owe CITI money. This is extortion. I feel it was CITI 's error in not sending me a bill and then charging late fees when the bill is not paid.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, On XXXX XX/XX/2022, PayPal has decided to close my PayPal account. My account has been closed due 'violation of PayPal 's Acceptable Use Policy ''. Until today, I have not received any explanation of what exactly is against their policy and also can't find anything that I possibly would have violated.

I have received an email which told me that my funds would be available after 180 days. However after I have checked my PayPal account, I mentioned PayPal took {$3.00} USD from my account with the description " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation '' on XX/XX/2022, which PayPal is not authorized to. 

I have been cooperative with PayPal and not complaint about my account getting suspended. Even though I didn't agree with PayPal 's decision to close my account, I respected their decision. It's their platform & they decide who can use it. However, it's absolutely insane that they took ( stole ) {$3.00} USD without any explanation. They don't have any rights to do that and I want to have my money as soon as possible, withdrawn to my bank account.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

I have a Lowes Advantage Card with Synchrony Bank. The orgininal amount approved for was {$5000.00}. They increased my credit limit to {$6000.00} which encouraged me to purchase carpet with 18 or 24 months no interest that was solicated in the store. As soon as I made the purchase they decreased my credit limit to {$3700.00} which put me at a 97 % usage on this card and it dropped my credit score XXXX points. I called several times to increase my credit limit back to the {$6000.00} that they had increased it to or at least the {$5000.00}. They set me notice after the fact not 45 days prior to doing this unethical practice which I read on this website that it was required to be done. I generally pay more than the minimum payment on all my credit cards. I was never in default on this card. I feel very hurt by this by this unethical practice. If I pay this account in full and close this account that will also decrease my credit. This was a hard way to find out that this could happen. I feel scammed mislead mistreated and abused by this company. If I knew this could happen I never would of applied for this card! I thought Lowes was a reputaul company that could be trusted to do business with. Now it has damaged Lowes reputation too!
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collins Asset Group, LLC (CA)

Collins Asset Group is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX XXXX. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (NJ)

The credit bureaus have removed the collection account from my credit file and it was deleted permanently but somehow it has been reported back again. 
This time I'd like to file the a report first with the consumer protection bureau so that i can get more assistance to fight back this fraudulent account My identity was stolen to open this account.
Consumer complaint received 2023-06-01
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. (TX)

I have already provided the required documentation to report that my Identity was compromised by XXXX  Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


9. The inquiry was not authorizeXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

10.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I believe my mortgage servicer, Freedom Mortgage of Indianapolis, IN, conducted their annual escrow account analysis incorrectly and have attempted to collect a higher monthly amount than I legitimately owe. I spent one and one half hours on the phone explaining to their agents the source of the error but the agents on the phone clearly did not understand the analysis. Since then I have written two letters to them, detailing the problem but after taking two months to respond to the first letter and another month to my second letter, they still have not even attempted to understand or acknowledge the source of the error. In the meantime, they have continued to hit me with monthly {$130.00} late fees even though I have been making my principal, interest, and undisputed escrow payments in full and on time. The monthly escrow amount in dispute is only {$85.00} so it seems rather unreasonable to continue to charge {$130.00} late fees while they are taking as much as two months to respond to my letters. The letters are unsigned and I have not been put in contact with a named individual with contact information in order to have a chance at understanding each other 's positions. Now they are sending me foreclosure notices on my property. I am starting to think Freedom Mortgage intentionally scams their customers by artificially boosting escrow payments to help pad their bottom line. And then they try to bully them into compliance with foreclosure notices and submitting bad credit reports.
Consumer complaint received 2023-06-01
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. (CA)

XXXX accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.
Consumer complaint received 2022-12-20
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: CCF Intermediate Holdings LLC (TX)

DATE : XXXX COMPANY NAME : CASH CENTRAL COMPANY NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE NO IDEA HOW THIS IS ON MY CREDIT REPORT RECENTLY STARTED BUILDING MY CREDIT IN XX/XX/2022 WITH NO NEGLIGENT PAYMENTS OR ETC. BUT THE XXXX APP WAS UNLOCKED IS WHAT WAS NOW BROUGHT TO MY ATTENTION NOT SURE IF THIS IS WHY BUT WHEN I CALL NUMBER ATTACHED ON REPORT THE SAY THEY CANT FIND NOTHING WITH MY NAME MY MEANING FOR THIS MESSAGE IS FOR A REMOVAL OFF MY CREDIT REPORT
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC. (TX)

Account Name : SUN LOANS PARTNERSHI ( Original Creditor : SUN LOAN XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (NC)

On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Consumer complaint received 2022-10-13
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal items were taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to notify them as well. These accounts are fraud!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX  accounts on my experian credit XXXX XXXX Ive submitted valid verification of fraudulent accounts and these companies have not provided proof of these accounts nor validation of these fraudulent accounts. Ive submitted serval police reports and fraud report
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XXXX XXXX, I requested my credit report and credit score from TransUnion by mail. I included a {$15.00} check with my request, knowing that the credit score itself had a fee. 
TransUnion cashed my check on XX/XX/XXXX, per my bank. 
On XX/XX/XXXX, and then again on XX/XX/XXXX, I mailed a follow-up inquiry to TransUnion for the status of my credit report and score. I received no response. 
An XX/XX/XXXX phone call to TransUnion led me to talk to XXXX, who " could not pull up my file '', so he asked me to call back. On my second phone call, XXXX said my request was " being processed '' and would take up to ten more days. 
Confused by the information being given, on XX/XX/XXXX I had a bank representative at XXXX XXXX, from which my {$15.00} check was drawn, call TransUnion to get some answers. Supervisor XXXX at TransUnion stated that he found no record of my request, that XXXX had told me only the day before was " being processed ''. After an hour on the phone without a clear answer, XXXX tried to pass me off to another Supervisor, but this seemed futile. The call was ended. 
On XX/XX/XXXX, my credit report from TransUnion finally arrived by mail, but it had no credit score included, stating that the score needed to be paid for. My {$15.00} check, cashed by TransUnion on XX/XX/XXXX, was that payment. TransUnion has not provided me with the credit score I specifically asked for and also paid to receive. I would like TransUnion to provide me the credit score I requested three months ago. 
Sincerly, XXXX XXXX
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

My wife and I opened a consumer credit account with Home Depot/Citibank in XX/XX/XXXX to finance the purchase of a new roof. We were informed at the time that the financing would be at 0 % interest for XXXX months and if we paid the balance in full prior to the end of the XXXX months we would not pay any interest. When we received our XX/XX/XXXX statement we realized that the 0 % financing was scheduled to expire in XX/XX/XXXX after only XXXX months and at that point we would be charged interest retroactively. We contacted customer service and were informed that they would extend the 0 % financing for the full XXXX months. When we received our XX/XX/XXXX statement we observed that the 0 % interest had expired and that interest had been applied retroactively raising our monthly payment from approximately {$100.00} per month to approximately $ XXXX monthly. We again contacted customer service and were told to make our originally scheduled payment and that the 0 % financing would be applied retroactively. In XX/XX/XXXX I began receiving collection phone calls and when I viewed the statement online I realized the 0 % financing had still not been applied. I contacted customer service and was informed by XXXX in Escalations that the 0 % financing had not been applied because there was an error in the original account notation in XXXX. They said they would apply the 0 % financing retroactively again as soon as I made the account up to date and paid a past due {$210.00}. I informed them that this was unacceptable as the account was already up to date per the original 0 % financing offer and that I would not pay {$210.00} in interest due to their error. They said that the amount would be applied retroactively to the principal as soon as the account was up to date. I have no faith in that promise based upon the interactions over the previous XXXX months.
Consumer complaint received 2022-05-19
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. (GA)

I have previously disputed the public record items on my consumer credit profile with the CRAs - Experian, XXXX, and XXXX. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX XXXX Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my balance on my account ( ending inXXXX ) on XX/XX/2022 with Capital One and on or about XX/XX/2022 I asked for it to be closed. I waited about a month for the credit card company to send a letter/email stating the account was closed. What I received was another statement from the credit card company. They are refusing to close my account. I gave no permission to keep my account opened.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission