davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
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)

( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that Citigroup, specifically Citicards credit card/ Diamond Preferred card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XXXX, 2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ).

I discovered this when I received TWO outside credit monitoring reports showing that Citi had reported my account as delinquent to XXXX, XXXX and to XXXX, resulting in damage to my credit rating.

They also charged me two months worth of late fees XXXX $ XXXXmo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that Citi communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

For the last week I've been on the phone with PayPal, in live chat support trying to fix this issue. Every time I try to withdraw my money on XXXX, I get this error. Its been happing to me for the last week straight and the only help I have gotten from them was " wait 48-72 hours. ", I have been waiting a entire week, and till this day ( XXXX, XXXX, 2020 ) I've gotten this error. When I spoke to someone on the phone 2 days ago from the XXXX of XX/XX/2020 they told me, they had to lift a limit or something on my PayPal account, and that all would be fixed in 2 days and promised me id have my money in my account. Well here we are no fix at all or even the call at all, and the error is still a thing. So I called today and they told me there is no fix for this, and there's nothing they can do because the whole website is computer ran. ( now a different outcome from when i last spoke to them ) I have had to confirm my ID TWICE and submit other documents multiple times, and cleared cookies, tried using the app, I mean I've tried everything possible. So what do I do? Is this even legal for them to hold my money with no reasoning or even knowing why, and telling me they dont know why.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response. 
They reported all of these accounts on my credit : XXXX XXXX XXXX/ XXXX XXXX   XXXX  All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (FL)

ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2018-04-17
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. (LA)

i had a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to cal me and that wasnt done and that violates my rights as a consumer. i reached out to equifax on more than one occasion to advise of my credit being pulled without my permission. these inquires are not authorized by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (KY)

Hello I contacted Equifax and XXXX and they refuse to give me my credit reports I have been trying to contact them for 2 years and they refuse to give me the information stating that I have not answered the security courses correctly so they informed me to mail them a copy of my picture ID driver 's license and proof of residency and I did that on both the cages which the last time was 2 weeks ago they also refuse to accept the dispute letters that I gave them concerning XXXX XXXX agency which raise the price of the debt 3 XXXX bills which I turned in for XXXX XXXX fraud and now I received a letter for XXXXXXXX XXXX XXXX stating that I owe them {$2000.00} from XXXX which they had closed it but since student debt is being paid off now they come out and said as if XXXX the XXXX I owe them {$2000.00} so they turned me over to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of collection and they said if I don't pay {$2000.00} in the next 7 days they're going to take my home freeze my bank account and put a lien on my house and I will be homeless because I don't have a job and I don't have a bank account and I will upload all the information that they mailed to me thank you please help me
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX/ {$1900.00} XXXX XXXX / XXXX / {$900.00} XXXX XXXXXXXX / XXXX / {$2800.00} XXXX XXXX XXXX / {$1300.00} XXXX XXXX XXXXXXXX / {$3400.00} XXXX XXXX Original creditor : XXXX CXXXX XXXX XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX  Account # XXXX ; XXXX 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 2021-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an authorized charge on my XXXX account. I contacted XXXX and told them about the fraud. They told me to contact my financial institution, Bank of America. I opened up a claim with Bank of America for two fraudulent charges for {$39.00} and {$21.00}. Bank of America refunded me one transaction and did not refund me the {$21.00} because they did not find any fraud. I tried to reopen my claim and they said I was out of the two week time frame to reopen the claim. I requested to reopen the claim and they have not let me. I called XXXX again and they said they found my order through the order number. They saw another customer purchased the item and that is why it does not appear in my XXXX orders yet they charged my bank account. XXXX said they would contact someone else who would call me within 24 hours. They never did. After a week, I sent several reports to XXXX security who kept immediately sending me emails within a minute of their investigation saying they found no unauthorized charges on my account. 
XXXX and Bank of America have failed to do their job and I had to pay for the unauthorized activity.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have been disputing two charges with CapitalOne since last XX/XX/XXXX. ( CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX   ) The dispute regards two Charges : One made XX/XX/XXXX for {$1300.00} and the other made XX/XX/XXXX in the amount of {$1200.00}, Totaling {$2500.00}. The merchant was XXXX XXXX The first charge was made XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX to purchase a treatment given that day, and future treatments. I disputed this charge because the merchant did not get back to me despite my repeated efforts to schedule future appointments.

The second charge was made XX/XX/XXXX because the merchant called in such a fury that I was intimidated into giving her my credit card again. This time the amount was {$1200.00} because I had sent a check in the amount of {$100.00} to cover the treatment that I had received on XX/XX/XXXX ( {$75.00} plus a {$25.00} tip. ) I provided 30+ pages of emails and letters CapitalOne showing my efforts to either be reimbursed or to receive gift certificates from the merchant. The owner XXXX XXXX even alluded to bringing the certificates for treatments to me in XX/XX/XXXX. There was always a strange excuse for why they were not brought to me, including that she did not know where the place I was working was, despite the fact that this is a very small town and the place was just 3 blocks from her salon, on the same street. Since then, the business is closed and I can not locate the merchant.

I also sent certified letters to the merchant, which were returned, and contacted XXXX XXXX XXXX  ( they received no reply from the merchant ), and sent a friend to the place where I received the treatments ( the business is no longer there. ) During this time I have made every effort with CapitalOne to remove the two charges, but I have had no success. Each time I called, I had to rehash the same story to a different person. I received no services for the two charges which total {$2500.00}.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Just having problems getting my account re-opened with my same credit line Im a XXXX veteran still making payments on the account would like to have my account re-opened I was a victim of identity theft and my account somehow was closed and I would like to get my new cards sent out and my credit cards established
Consumer complaint received 2023-03-22
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: Mr. Cooper Group Inc. (UT)

I submitted 4 complaints against the credit Bureas and all four times I recieved the same response and nothing has changed on my report. I have explained this also 4 times that the DISMISSED bankruptcies on my report were scams by companies promising to save my house that Nationnstar Mortgage wrongfully foreclosed on in 2019 while I was under modification and XXXX from XXXX XXXX. Which by the way I sent multiple complaints to the CFPD and recieved about the same response from the company. So what would you say you do here? The reason I ask is because what good does a complaint do if you only believe one side who responds with the same response they give for everything and why did my complaints against my mortgage company simply get closed even though the CFPD went on to sue Nationstar Mortgage. Maybe this complaint needs to be against the CFPD.
Consumer complaint received 2019-08-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Student Loan Financial Assistance (KY)

Student Loan XXXX  contacted me at work and I wasn't able to hear much and I think I agreed to them taking payments since I see an slfa.us has taken a payment from me. I have tried to contact them to cancel the payments with no answer.
Consumer complaint received 2020-01-31
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. (FL)

I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.
Consumer complaint received 2022-05-04
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. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.
Consumer complaint received 2022-05-04
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. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.
Consumer complaint received 2018-12-05
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. (NJ)

To XXXX Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Experian XXXX XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2018-12-05
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. (NJ)

To XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of  FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX  Equifax XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Hi, my name XXXX XXXX  XXXX. Recently I applied for job and they require to check my background and then they gave me background report from credit company. they found a criminal report on my name which is ( XXXX XXXX  for XXXX XXXX ). I wasn't involved with any criminal background, but as I know I owned a grocery business it was my first experience with business.It was run including food and nutrition service which is call food stamp. that time I wasn't present in the store and my new employe was there and he doesn't speak and doesn't understand XXXX enough, may be he did mis transaction with food stamp because he didn't understand or something else. he wasn't explain me enough. that area most people have food stamp. I'm not lying I didn't do this kind of business, swear my XXXX, afterthat service was gone which I didn't know. now in XX/XX/2018 I'm trying get a job and bad report I'm disqualified. my question is how can I remove bad criminal report from my background, swear again I'm not involved with that. I want to get a job. I want to remove it from my name. I love this place, I want to live here. that's all.