davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Hello, On XX/XX/2021 I went to make a payment on my Citi bank account. While I intended to make the minimum payment, I made an error and clicked on pay the balance in full, which was over {$2000.00}. When I realized this, I called Citi. The women I spoke with advised me that the payment was already processing and that Citi couldn't stop it. She recommended I put a stop payment on from my bank, which I did do. I assumed the problem was fixed. Again, I fully acknowledge, this was my error. 

Citi then tried to charge my account a second time. When I called them back, they told me that the payment would try to process 3 times, which I was NOT told the first time I called. I was told there was nothing they could do and I just had to wait for the process to finish before anything, including making a correct payment could be done. Again, I had my bank stop those payments. 

I understand submitting the payment three times is allowed under regulation. I understand, under regulation, Citi had every right to do this, but it's a bit mind-blowing that they have no control over their own systems to stop this. Or, perhaps, they just weren't willing. 

Finally, the website updated and said I owed a minimum payment of {$29.00} by XX/XX/2021. This was less than the original minimum payment of {$61.00} originally due, but this is what I was told to wait for. I paid that amount on XX/XX/2021. 

Now just today, I get an email saying my account is TWO payments past due and I owe over {$200.00}. 

I used their live chat to question this. I was told that the payment of {$29.00} was not enough and that this was because the statement went out before the payment returned XXXX I've attached a screen shot of this explanation ). Yet, Citi 's customer service told me prior I couldn't do anything until they tried to process the payment 3 times. 

How was I supposed to know this? How was I supposed to know that the amount Citi Bank was asking for " was not enough? '' I paid what my account, on their own website told me to pay. 

I am also told on the chat today that my account is 39 days past due. I strongly, strongly dispute this. Citi 's website was wrong, yet I paid what it told me to pay. A payment was made. 

I asked if this had been reported to the credit bureaus and I did not get a straight answer. I was told it could be reported at 30 days. I still have no idea if it was reported. 

There was no resolution offered to me. Citi 's customer service through this has been completely unhelpful. 

How can Citi put something on their website and then just decide it was wrong? Conveniently, they are making a late fee off it. 

While I again acknowledge the initial error was entirely mine, now I can't help but feel that Citi 's systems are set up to take advantage of the customer. 

This is unacceptable.
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-12-23
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. (MA)

This collection has already been removed from my other credit bureaus, since the original debt charged off over 10-years ago. XXXX XXXX has violated its subscriber agreement with Experian. My information was taken off of a debt pooling system, has never been validated and can not be enforced by any additional collection process. The negative trade line needs to be removed permanently. It only appears on my Experian report, and XXXX XXXX has maintained it there in true violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2022-03-17
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I attempted to dispute an item on my credit report and Experian is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, Experian is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that Exprerian is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

My repayment amount is {$140.00} and some change. They changed my auto pay to match that amount. My income based repayment plan was supposed to start on XX/XX/XXXX instead of XX/XX/XXXX. They said my bill for XXXX was {$330.00} and some change. I am set up on auto payments. Why did they only take {$140.00} instead of the supposed amount due of {$330.00}?? This caused me to be late saying I owe them {$190.00}. I did not want to mess up my credit so I sucked it up and payed an additional {$190.00} on XX/XX/XXXX even though I am on income based repayment and could not afford the additional amount. I am extremely frustrated with how they handled this whole process. They messed up application several times for income based repayment plan and I think thats why my bill is so high forXX/XX/XXXX. I filled out my part correct. It was completely on them mishandling my form. I want answers. I want my {$190.00} back. And I want them to say I was never late on my payment. I pay all my bills on time and this was their error.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings (FL)

Date : Thursday XX/XX/2022 Time : XXXX EST Duration : XXXX Minutes Company : XXXX. Data Number Called : XXXX Details : My phone call started with an IQ Data representative -- can't recall her name, but she was very nice and professional. She presented XXXX payment options : the first was to pay in full ( {$5800.00} ), and then they would remove the account from reporting ; the second was to pay 80 % of the debt ( {$4600.00} ) and it would show as a paid settlement. I informed her that neither of these worked for me right now due to my current financial, unfortunately, so I would just have to ride it out and see if my financial flexibility improved. She said she understood and suggested that I speak to her manager, as they might be able to present a better option. I was then connected to XXXX XXXX, who was quite rude and very aggressive. Once again, he presented the same two options : pay in full, or pay 80 %. The option I presented to them, paying about 40 % of the debt, did not work for them, so I said I understood that 'they had to do what they had to do ' -- meaning they had to stick with their offer and not accept a reduced offer. However, Mr. XXXX replied quite rudely and asked me 'do you really want me to do what I have to do? This will get ugly and cost you a lot more money when we take you to court or put a lien against your income. You just provided updated information to us about your address, income, etc ... .so now we have all the information we need to 'do what we have to do '. I told him I had about $ XXXX that I could pay today to resolve the account. He asked 'Where 'd you get that money? If you saved up that money once, I don't see why you can't save up the rest '. I flat out told him he was being rude and making grand assumptions about my financial standing. Seeing that we could not come to a resolution, we ended the call shortly after that.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NC)

This company is serving papers to my husband whom Im legally separated from rental property in XXXX North Carolina, that I dont live at. My mailing address and living address are both different from whatever address they are using to sue me and try to collect judgments. I was also the victim of credit card fraud massively in 2019 with all my other creditors, and had put a block on my credit at that point because someone else charged all of the debt and I do not owe it.
Consumer complaint received 2018-12-23
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. (GA)

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. Equifax, XXXX, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Consumer complaint received 2023-03-29
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)

My name is 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 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (OH)

XXXX  credit card, Comenity bank. I called to close the account on XXXX/XXXX/22. I paid off the less than {$10.00} balance at the same time, meaning the account should have been completely closed. That was over a month ago, and the card still shows active on the company 's website. It still shows a credit limit and an available credit amount. It also shows a XXXX credit because they overcharged me when I paid off the card. I've since called back twice to again demand they close the account. Each time, they refuse to let me speak with a supervisor and assure me the account is closed. They ignore my questions about why the website shows the card is still open. I'm still getting " your statement is ready '' emails. Out of curiosity, I clicked on the " request a credit limit increase '' on the site, to see if *that* would show the card closed, but it actually says I currently have an active request for a credit increase. I closed the card because this bank is sneaky about when and how it posts things like finance charges, manipulating things so they can add late fees ( they post the finance charge to the account *after* you pay the balance off, so you have a {$1.00} balance you didn't know about then they hit you with a late fee the next month on that {$1.00} balance you didn't know you had. ) I can't keep checking this card every month just in case they sneak a charge onto it that will cause me fees and hurt my credit. I need them to actually close this account -- they can not legally force a person to keep a credit card with a zero balance open.
Consumer complaint received 2018-12-23
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. (IL)

On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to XXXX  disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (IL)

Inquiries-Per 15 US Code 1681b-Permissible purposes of consumer reports Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
Consumer complaint received 2023-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 2023-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXXXX/XX/XXXX