davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
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: CITIBANK, N.A. (IL)

I have a CitiCard which has been now been compromised for the 2nd time in 28 months. I received a call on Monday saying they denied a charge in the XXXX for {$45.00} and asked if I'd made a purchase. I said I had not. They said they had to cancel the card and reissue a new one. I said they needed just to block it as we did two+ years ago. I just received a new card at the end of XXXX due to the expiration date. Today I received another call regarding a charge yesterday, also in the XXXX and it's for {$32.00} and some cents. Again they said it had been declined ( card was blocked on Monday ) and that they need to close the account. I informed them that the last time I allowed that many, many years ago, it showed on my credit bureau report for years as just another account which hurts a credit score. They deny that but I know I'm correct. This person, today, then informed me there were FIVE charges in XXXX on XX/XX/XXXX, each for {$45.00} and that I can't dispute these charges because the account has to be closed for that to happen - they can't access a blocked account to dispute charges. Funny that the charges made in XXXX of 2016 have the same scenario and those charges were disputed. Obviously CitiBank is wanting me to open a new card for some reason. The only legitimate charges I've made on this card are " XXXX online '' and " XXXX XXXX  '' online. The pin changes when a new card is issued so it's one of these companies or the company that prepared the replacement card. The only reason I didn't cancel CitiCard years ago is because it hurts a credit rating. XXXX XXXX XXXX (? ) credit card was closed months ago because XXXX XXXX went bankrupt and closed all the stores. If I close this one, it will show up without the explanation. I need help or I need to file a suit against Citi Bank. In 2016 I opened a XXXX Visa account so I could abstain from using Citi. I began to use it to prevent them from closing the account. I'm quite proud of having a credit score of over 800. As a matter of fact, Citi provided this to customers and I believe the last one was XXXX.
Consumer complaint received 2023-08-17
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, I have had a credit card with Bank of America for 5 - 6 years. In XXXX of XXXX they gave me a promo of no interest on balance transfers for 12 months. I moved some balances from other cards and enrolled in auto pay to pay the minimum payment of {$65.00}. In XXXX of this year I received an email stating I was past due. I could not understand how this was possible since I was on auto pay. I called and spoke with a representative who explained that my promo ended which increased my minimum payment to {$91.00} and therefore my minimum payment amount was not covering the minimum amount due each month. I explained that I had set it up to pay the minimum payment so that should have automatically changed. He informed me that it was set to pay {$65.00}. I told him the online auto pay option required you to enter an amount. He said that he understands it is very confusing online, but there was another option to select minimum amount due. I argued that there wasn't clear instructions online explaining that by selecting a flat amount it may not cover the minimum amount due and should instruct you to choose another option if you are wanting to set it up to pay the minimum amount due each month. At that time ( XX/XX/XXXX ) I paid the minimum amount due over the phone of {$200.00}. They reversed all my late fees and additional interest due to the error, but informed me I was reported 30 days delinquent in XXXX of this year. I explained that should be reversed since it was due to them not changing my minimum amount due. I asked for guidance on how to enroll correctly to set up the minimum payment. The representative told me I would have to speak to someone in another group. I called that department and after 15 minutes the representative could not figure it out and said they get lots of complaints from customers on how to set that up. After another 10 minutes I finally figured it out on my own. In XXXX I received another email stating I was past due. I called back and again asked how this was possible since I fixed this the previous month. The representative explained it can take two billing cycles to start. I told him that was never shared with me, so they apologized and removed the late fees again. All of this could have been prevented if their website wasn't so confusing on how to enroll in automatic payments to pay the minimum amount due. Please remove the 30 day delinquency from BOA since it was due to their errors on their website and lack of communication on how to instruct their customers on how to set up auto pay correctly.
Consumer complaint received 2019-06-26
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: Experian Information Solutions Inc. (NY)

I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$540.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00}
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been attempting to claim my annual free credit report from, XXXX, Transunion, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.
Consumer complaint received 2019-06-26
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. (MN)

Have reached out XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 in regards to debt validation. I received letters each time stating they have validated the debt as mine without providing proof of validation. When I reach out to these individual companies myself, they also fail to provide proof.
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

In accordance with the Fair Credit Reporting Act, [ C ] has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions I have been disputing this collection for a while now. I have no knowledge of this collections. I ask that it be removed from my report. I have medical insurance and has always had full coverage insurance ( XXXX ). If this debt collector failed to process this claim through my insurance, that is not my responsibility. Again, I ask that you please remove this from my credit report.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

Received emails from Chase bank saying a Chase freedom unlimited credit card was opened in my name as well as a new chase private client checking account. And paperless enrollment and account phone number change.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can provide proper documentation showing my signature this must be removed from my credit reports on all 3 credit bureaus.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || DATE OF INQUIRY : XX/XX/XXXXXXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX. XXXX || DATE OF INQUIRY : XX/XX/XXXX
Consumer complaint received 2023-01-31
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. (NC)

XXXX XXXX XXXX has ignored all request to honor the privacy act of 1974, 15 USC 6802 and many other Codes and rights of mine as a consumer have been violated. XXXX XXXX XXXX has still been reporting to a nonaffiliated third party without my permission. In XXXX XXXX XXXX they were given notice to stop reporting and denied a copy of their terms and conditions which I never received from them> They were not the seller or the entity to whom I purchased from. The original contract was recently rescinded to XXXX XXXX XXXX I fount that XXXX XXXX XXXX is the third party that purchased my contract security. The contract was misleading and did not provide proper notice per my consumer rights. Today XXXX XXXX XXXX XXXX refused to provide updated Terms and Conditions and Privacy notice stated that It is with original contract which it is not because I never had an agreement with XXXX XXXX XXXX only XXXX XXXX XXXX which is voided. XXXX ignores my mail and emails ( per recorded call ) and they insist on arguing my rights instead of honoring the law. This account was deemed fraudulent, inaccurate etc per XXXX and XXXX and was removed many years ago. Experian continues to allow XXXX to break the law and infringe on my rights to opt out and or Rescission of any contracts.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PA)

I must be provided with a bill which reflects the proper amount from the original creditor, XXXX. As stated, on page 4 of the XXXX bill, I am to receive a credit upon return of the equipment. I have an invoice for XXXX XXXX equipment returned to XXXX  which was provided to the collection agency contracted by XXXX. The serial numbers on the XXXX  bill & equipment return invoice are identical & verifies that the debt is on my credit report is incorrect. I originally contested this debt on XX/XX/2018. In XXXX of 2018, I disputed the debt with XXXX, I was informed by XXXX that XXXX  must remove the negative information. XXXX has not removed the information, as yet. Various collection agencies have seemed to completely ignore the invoices from XXXX showing the return of the equipment. My attempts to contact XXXX  for for assistance are unsuccessful because it is a closed account & I am connected to the collection agency that is handling XXXX XXXX accounts, which is why I am contacting the CFPB.
Consumer complaint received 2021-10-18
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: JPMORGAN CHASE & CO. (KY)

Reviewed my report and found on the inquiry section a inquiry not made by me. Contacted both XXXX  and chase bank services. Chase agrees I have never applied for any of their services and said they notified XXXX  and that XXXX denied that it appeared on my report. I ask for a letter confirming that and they stated they couldnt send me anything to acknowledge this. Hung up called XXXX who then tells me they need a letter from chase. I keep getting the run around. It was put on my report on XX/XX/2021.
Consumer complaint received 2023-04-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against XXXX regarding their negligence in updating my credit report to remove an account with XXXX that shows as closed due to XXXX  XXXX bankruptcy, when in fact the bankruptcy was denied by the court. Despite my numerous requests for removal, XXXX has not taken any action to update my credit report and this has caused significant harm to my financial standing. 

I have made several attempts to dispute this erroneous information with XXXX. I have uploaded supporting documents through their dispute center, sent certified mail, and contacted their customer service department multiple times, but the issue has not been resolved. The bankruptcy was denied by the court, and there is no record of it in the public record. However, XXXX continues to report the account with XXXX as closed due to bankruptcy, which is causing significant harm to my credit score and financial standing. 

I demand that XXXX immediately update my credit report to remove the account with XXXX that shows as closed due to XXXX  XXXX bankruptcy. I also request that XXXX compensate me for any damages that I have suffered as a result of their negligence. 

Their failure to update my credit report has caused me significant financial harm, and I believe that XXXX should be held accountable for their negligence. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2019-10-09
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. (GA)

I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on Equifax and 2 inquiries on XXXX. 
I contacted Equifax on XX/XX/XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call XXXX on XX/XX/XXXX because their costumer service department was closed. 

Per Equifax request, On XX/XX/XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my Equifax credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my XXXX inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to XXXX . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call XXXX and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to XXXX. 

I reached out to XXXX and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''
Consumer complaint received 2023-04-10
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-10
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: CITIBANK, N.A. (NV)

I have already tried getting help here but I am trying again because it is unfair what is happening to me. My ex boyfriend added himself onto my cards and then used them to charge on. I DID NOT EVER ADD HIM ON. When I discovered he was on them I asked Citi bank to remove him and they failed to do so. however, I never added him on in the first place yet they are still holding me responsible for the charges he made. I never ever authorized him to be on any of my accounts! How can I be help responsible? Its completely unfair and fraud! I even made a police report and they dont care!
Consumer complaint received 2023-08-17
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. (TX)

I personally sent a Dispute Letter via Certified Mail to Equifax on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX @ XXXX as reported by USPS . I provided all the necessary info needed to dispute this request properly. Today, XX/XX/XXXX, I received a letter from Equifax stating that they verified this account as accurate but did not provide any context on how this was confirmed and verified per my request. Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " unpaid '' and " delinquent ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party.