davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I am in Citi ThankYou card program with XXXX points on the statement as of XXXX/XXXX/XXXX and got reduced to XXXX points on the statement as of XXXX/XXXX/XXXX. It was forfeited by XXXX points. Their reason is my XXXX was canceled and wo n't give me back my earned ThankYou points. I totally disagree with and like to dispute them. 

1. I have XXXX Citi preferred ThankYou XXXX cards since XXXX. I 've consolidated the ThankYou points I accumulated long time ago as they encourage their clients to better use and manage the ThankYou points earned. The consolidated points were shown on my monthly statements. There is ONLY XXXX SUMMED POINTS for the XXXX cards without any separate accounting records. 

2. As the same effort to better manage XXXX same cards, I requested Citi to consolidate my credit limits to XXXX card instead of XXXX in XXXX. They did n't grant me so I just use XXXX card to simplify my spending and accounting activities. I received a letter from Citi a few months ago stating that my inactive card was canceled. They wo n't restore my inactive card and the card was canceled without my consent. I have perfect credit records with every loan and credit card I have. I suspect they broke the law of fairness in credit card application. 

3. I am aware of my ThankYou points live with my valid credit card. However, Citi does n't state that the consolidated points will forfeit and they do n't show anywhere on my monthly card statements. I asked their agent the time I consolidated who told me my points will never lost as long as the consolidated account is open. XXXX summed points CAN NOT DIFFERENTIATE THE POINTS of XXXX card or another. Any redemption I had was deducted from the XXXX summed points in my monthly statement. 

Obviously Citi 's ThankYou points ' consolidation is neither clear/clean explicitly nor customer friendly. There are flaws in their system design and operations that are not fair or even lawful to their customers. I CAN NOT BE the VICTIM of THEIR PROBLEMATIC SYSTEM! 

It is unfair to cost customer 's interests for Citi 's mistakes. It is even not ethical or lawful to trick customers if intentionally.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX I went into a Bank of America branch to deposit my State of California Tax refund check of {$27000.00}. The teller provided a confirmation slip that said {$22000.00} would be held until XX/XX/XXXX. On Friday XX/XX/XXXX I received a notice that the entire amount was placed on hold with the reason being A hold was placed on your check ( s ) because check specific information indicates item may be returned. I called customer service and they were not able to provide a reason for the hold and they were not able to provide an availability date. I later learned that the availability date was also pushed out 2 days from XX/XX/XXXX to XX/XX/XXXX. At no time have I been provided a specific reason for the hold. At any rate the whole process is dubious given that the check is from the State of California, it says Tax Refund on the check.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-17
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. (IL)

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-05-17
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. (IL)

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (VA)

I have filed a complaint 2 Timws with XXXX.i have paid the account in full, and they still call me at least 2 to 3 times a day. There is no need for wells Fargo to continue for harrsement If the account paid in full.
Consumer complaint received 2024-02-15
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-05-17
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)

Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX XXXX. Collection- XXXX XXXX. Collection- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX 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 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years
Consumer complaint received 2022-10-13
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account XXXX XXXXhas 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 I did not give, written or verbal consent for this account to be opened.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I went to the Wells Fargo Bank on XX/XX/XXXX to Deposit a rollover Check {$34000.00} into my XXXX   Account. The bank lost the check and my husband and I have been in touch with the bank to get the issue resolved. As of XX/XX/XXXX, the bank has not recovered the check and we have not heard from anyone unless we called them.
Consumer complaint received 2019-01-23
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. (AZ)

On XX/XX/19 I was notified from XXXX the company I use to monitor my credit that a hard inquiry was pulled from Experian from XXXX XXXX and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX 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 I did not give, written or verbal consent for this account to be opened.
Consumer complaint received 2022-05-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX XXXX Acount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The following names are on my Experian Credit Report which are not the correct spelling of my name. These names are incorrect and improperly on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (CA)

I have an account with a jeweler that has always been current. I have even met the requirement of paying off balance in 12 months with no interest. For some reason that past three months starting in XXXX. Paying through the companies ' portal has been a mess. Ill make monthly due payment and later down the road theyll be calling me asking for payment. When I go check on portal it has said my payment was reversed with explanation. This has happened more than twice and unfortunately the last time it happened they marked me 30 days late which I think is unfair. They have been unwilling to provide me with explanation on way the payments are getting reversed. I have been financial capable of paying this account for the past year in a hlaf since it was opened. They recently changed online portal and system to pay on account but still give no valid explanation on why my payments havent been going through when funds have been available. On top of that when I called to let them know I was upset they marked me 30 days late they had offered me no assistance or help. Ive always paid this account on timely matter and I think it is unfair for them to mark me 30 days late.
Consumer complaint received 2022-05-15
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)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXXhas 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 I did not give, written or verbal consent for this account to be opened.
Consumer complaint received 2022-05-15
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)

I Sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX # XXXX # XXXX To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation (VA)

I expressed my concern to XXXX  XXXX about the balance billing if a XXXX  related  claim which should be covered under the cares act and I got nothing from the hospital. I also asked about charity and never received an application. The balance after insurance paid is a {$1000.00}, which I have been paying the hospital {$100.00} a month if I can.

Im currently not working and on social security XXXX. I had no income for five months, so now Im trying to catch up on my bills. 

The collection agency is sending threatening letters and calling. Please help
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On or about the XXXX of XXXX Santander Bank blocked my online account without notice. I called the bank and they stated that my account was under review for fraud regarding XXXX  transactions. Since that date I have called repeatedly first daily then weekly now monthly. The bank has not communicated with me regarding this review either by phone communication or written correspondence. Each time I call I get no update from the Fraud Prevention department. I have contacted the branch for assistance with also no results. Now after 2 months, my accounts are being charged monthly service fees when I have no access to my accounts. My business account was never involved in this XXXX  issue and it has ben on hold since opening. If I have done anything wrong regarding XXXX, then I should be told and not have my accounts arbitrarily frozen without any notice after now 2 months.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

In the attempt to make a payment on the due date, it processed the next business day leading to a late fee for an account that I made full payment. In addition to the late fee I received finance fees for an account that should be interest free based on the amount of the purchase ( promo ).
Consumer complaint received 2022-05-15
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. (PA)

Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-05-15
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. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (ME)

Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WI)

I built a home in XX/XX/XXXX and obtained a mortgage with XXXX XXXX. When they were purchased by XXXX XXXX XXXX, my mortgage was transferred to XXXX. I started to experience financial difficulties and could not make my mortgage payments. I spoke to a lawyer and he advised me to file a Chapter XXXX Bankruptcy. I filed in XX/XX/XXXX for the Chapter XXXX. XXXX sold my mortgage loan to XXXX XXXX in XX/XX/XXXX, who then sold it to Green Tree Financial ( now known as Ditech ) in XXXX. The first thing Green Tree did was add a {$35000.00} past interest charge to the loan. I have tried to contact Green Tree and they will not talk to me, saying that the mortgage is in an active bankruptcy. The bankruptcy was closed in XXXX XXXX successfully paying all creditors. I am trying to refinance my mortgage with XXXX XXXX. The first payoff they received in XXXX XXXX was {$190000.00} ( my original mortgage was {$170000.00} ). Due to so many issues with Green Tree the refinance was not closed quickly. When the second payoff was requested in XXXX XXXX it was {$200000.00}. I made {$6400.00} in payments to Green Tree over this time period ( from XX/XX/XXXX to XX/XX/XXXX ), yet the principal balance remained the same. The escrow balance and the past due interest both went up by {$4000.00} dollars. Green Tree has NOT paid any escrow payments over this time period. I need someone to help me sort this problem out as I can not reach anyone at Green Tree!! PLEASE help me!!! I do not want to loose my home due to a finance company that is 'playing games ' with my mortgage. How can the balance go up when I am making regular payments?? Please advise me as to what can be done, I am not willing to pay these people $ XXXX {$40000.00} extra money that both XXXX and XXXX NEVER asked for?? HELP!!!!!!!!!!!!!!!!!!!! 
I did try to do a loan modification with Green Tree, they kept sending my bankruptcy lawyer letters saying I was not providing the information they requested. I have proof of information sent via FAX showing dates they were received by Green Tree. They have since told me that the time line for the loan modification has expired?? I need some help to get this resolved!!!