davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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: CITIBANK, N.A. (MA)

I had a credit card with Citibank that I was not actively using ( I have since cancelled this card ). In XXXX of XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XXXX of XXXX I used the card for the first time and later in that same month I received a bill / late notice from Citibank in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XXXX of XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called Citibank to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted Citibank and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.
Consumer complaint received 2018-11-13
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. (NH)

This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX   National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

A month ago Robin Hood financial froze my debit card for no reason I went to pay a bill and it didn't work they didn't respond repeated emails or didn't tell me anything so I call support and they said we'll have to forward you an email so. They sent me an email saying I needed to verify my identity there was no reason for them to do that I verified my identity with them in 2019 they even sent me a settlement for {$12000.00} without even asking for verification I've been had that account for XXXX  years. I didn't have a physical ID so I told him to have to wait until I went to the XXXX to get one and I needed my money really bad my rent was due and my phone bill so I went to the XXXX went a couple weeks but before that I sent them my birth certificate my tax return my XXXX XXXX XXXX  bill and a picture of my ID. So my new ID and new social come in the mail and I immediately take a picture of the front and the back and then take a picture of the ID next to my face and send my social security card and my ID to them to verify my identity. A week goes by and they still have my money Frozen is my last paycheck the last money I had and they're still not getting back to me so I'm emailing them again and they respond asking me for a copy of a bank statement that's connected to my account.and then they give me an account number.The account number they sent and wanted a stamens from was not the account I have connected to my Robinhood. And they said they needed that because of the unauthorized transaction that I reported. I never reported it unauthorized transaction not once, they just cut my card off and my account off and wouldn't let me withdraw money. out of the blue without letting me know for no reason at all. So now I sent him a bank statement and it's been XXXX days they're not returning my calls they're ignoring my emails. They have a way to contact them by requesting your call back I requested a call back XXXX days ago and every time I try to request another one because they're not calling back it says that the XXXX from XXXX days ago is still active so they won't leave and let me request another one so they're just not calling me back and they're not responding to any of my emails my phone bill is due my landlord is threatening eviction because some of that money that was in there I was going to for my rent. My emails now at this point they're just ignoring my emails and my calls and they won't tell me why they restricted my account it's {$2000.00} in there and I have bills to pay and it's been a month in XXXX weeks they're ruining my credit. Like I said I sent my birth certificate my social security card, my XXXX XXXX XXXX  bill, my tax return, and my id, and a picture of my ID next to my face also.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

American Express - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2020, I was looking at my Chase bank statement online, and noticed a transaction from XXXX in the amount of {$40.00}! I have never done business with XXXX, so I immediately called my bank. I told them the problem and they filed a claim. 

The next day, I got an update letter ( all online ), that stated they would Credit the {$40.00} to my account while they " investigated '' the matter. Then, on XX/XX/XXXX I got another letter dated the same date, that they had completed their research and they " found that the transaction was " processed correctly '' ( whatever that means ) OR " was authorized ''! It certainly was Not! 

The last line of this letter said that I could contact them " IF you would like to request the information we used for our research ''! 

Again, I called the bank right away and said, " Yes, send me the information you used in your research. I would love to see it! '' The Rep said that they would mail it to me and it would take 10 business days! I said, OK. This call was on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any letter. I am upset. I feel like they just threw me under the bus. I have been a customer of Chase for the past 17  Years! I don't believe they investigated anything.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.
Consumer complaint received 2019-05-03
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. (NY)

I have called and spoken with transunion 's costumer service numerous times even today XX/XX/XXXX with the fact that they have put hard inquiries on my report with no advance notice nor my consent without the proper investigation/proof. They keep telling me there is nothing that they can do about it so I bought my concern here. If you can help me get to the bottom of this it would be greatly appreciated XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MN)

I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I made a payment for outstanding balance not statement balance so my payment was more than they required for XXXX payment. Instead of applying the payment to the account because I made the payment through a transfer from another one of my bank accounts they put a hold on my payment preventing me from using my card. I was told because the payment came from another account which they said was recently linked so are they discriminating with my other bank? Its a U.S. operated bank from XXXX XXXX XXXX and there shouldnt be any issues. After speaking with a customer service rep he said because I paid more than the statement balance it confused them even though that was the outstanding balance owed. Am I not allowed to pay back the money even when its not the statement balance? There shouldnt be any issues with this. So instead of applying my credit card payment I only have an available credit of {$160.00} instead of what it should be which is {$1400.00}.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (FL)

I have XXXX XXXX account. I have been having problem with them for non payment which is not true. There cut off my services XX/XX/XXXX because they said I missed payments but when there checked the records they said it was there mistake and my payments would be {$38.00} for 12 month then back to regular payments {$48.00} for 10 months. So, is XX/XX/XXXX they had come back to reconnect my services Plus in XX/XX/XXXX they sent new contract that was on my My ADT App for {$48.00} without my signature. This is not what was told to me on the telephone XXXX XXXX. Now, XXXX XXXX disconnect my services again and sent my filing to debt collection - Virtuose Sourcing Group stating I owe {$1800.00}
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance Bureau of Collections (MN)

I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I filed a FTC complaint on XX/XX/2021 for XXXX fraudulent accounts with LVNV. LVNV has removed XXXX of the accounts and has failed to remove the account mentioned in this complaint from my XXXX report. 

I am demanding that LVNV remove the account immediately or I will be pursuing legal action against their company for illegally placing a collection on my credit report, that I do not owe.
Consumer complaint received 2023-03-24
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. (OH)

i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY REPORT IMMEDIATELY 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 ALL INQUIRIES THEY ARE UNAUTHORIZED
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, XXXX, and Experian ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and Experian at all! The only response I received from XXXX was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by XXXX, XXXX, and Experian.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards he was accumulating. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for all the cards as well.
Consumer complaint received 2023-02-12
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. (SC)

I recently reviewed my credit report and saw there were late payments being reported which is a violation under the FCRA. 

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 XXXXXXXX I did not give written permission to this company to furnish this information and according to FCRA late payments are transactions and are not to be reported on a consumer report. 

Delete the above late payments on these accounts from my consumer report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ]
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC (FL)

I had XXXX mortgage companies with loan XXXX. the 1st mortgage agreed with modification, but the second mortgage unable to contact with me, and unable to negotiate. I tried several times, but unable to reach then. Please I need help because, I 'm working alone, my husband is XXXX, and i want to keep my home. thanks.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I got a Bank of AmericaXXXX credit card about a year ago, solely to get air miles. 2 weeks ago I called to increase the credit limit from {$2000.00} to {$4000.00} since I planned to purchase XXXX plane tickets. I had a brief telephone interview ( no documentation asked for ), and was shocked to be denied, especially as a XXXX XXXX XXXX who owns her house and has had a XXXX XXXX card with a {$25000.00} limit for years. 
After getting my credit score ( XXXX ) & report, I took these to a local B of A in XXXX with other financial documents ( statements, tax return, retirement accounts etc. ). The associate ( also shocked at the denial ) put me through to another telephone reviewer while in his office. With no document review, the increase was denied again. B of A said my credit score was XXXX in their denial letter. 
I tried one more time online with the same result. So despite a monthly income of {$5000.00} ( PERS retirement and Social security ) supplemented with substitute teaching, & no debt I have been turned down 3x ... no doubt worsening my credit. 
And the reason stated in the B of A letter? Having the card " less than 12 months '' & no financial activity with B of A " or our associates ''. This is outrageous self dealing while ignoring a good credit score, report, history and supporting documents.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC (NC)

The caller attempted to collect a debt that was false. Saying it was from a utility company from 2019 ... i have no outstanding utility debt ... Not stating any further information about the debt, but what was owed. They got harassing and threatening and then hung up.
Consumer complaint received 2019-07-16
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: ID Analytics, Inc. (MO)

We purchased a vehicle in XXXX from XXXX XXXX, who contacted XXXX XXXX for funding. We were denied credit through XXXX because of a report from Sagestream , LLC, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the XXXX 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken XXXX over two months to send us any notification.Have been told by others XXXX approves only wealthy people. XXXX needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. Sagestream needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and Sagestream to file reports with The Consumer Financial Protection Bureau.