davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX  XXXX  and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed
Consumer complaint received 2019-10-26
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. (OH)

I have attempted to send letter to all three credit bureaus ( XXXX, XXXX, equifax ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. Equifax and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, equifax and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IF. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX at, XXXX, XXXX, OH XXXX.
Consumer complaint received 2019-10-26
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. (PA)

The issue concerns my dispute with XXXX XXXXXXXX, XXXX and it's processing by Citi dispute department. The dispute was partially closed with an explanation that I missed a deadline of XXXX to provide supporting second opinion. In addition, it appears that Citi required me to hire a contractor for evaluation without intent to use the result of evaluation despite it was submitted before deadline, possibly due to miscommunication between different parts of the dispute department. As result I incurred {$190.00} of unnecessary expense. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In their response to my complaint to CFPB dated XX/XX/XXXX Citi alleged that I missed the deadline of XXXX to submit additional documentation as requested by Citi on XX/XX/XXXX. This claim is incorrect as the deadline was subsequently extended. On XX/XX/XXXX, after my initial response, Citi sent an email further clarifying what they expected in case of a contractor dispute and extending the deadline to XXXX. Verbatim, Citi requested proof that the merchandise/service was not as described. This proof needs to be a review from a second similar merchantDue to timeframe issues please return the requested information by XX/XX/XXXX. The clarification email from Citi is attached, together with my response on XXXX at XXXX providing requested second opinion letter. Despite being submitted on time, according to recorded phone conversations with dispute department, the letter was scanned after the dispute was partially closed.
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

This company was sent letters to validate the debt two weeks ago on XX/XX/2019. I did not receive a response to those letters but my credit reports are constantly being flagged. For some reason the collection was not reported until I mailed the company a request to validate the debt. My XXXX, XXXX and XXXX  reports have duplicate reportings of the same debt from this company collection credit service.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I received an offer to sign up for a Citigold checking account. The terms of the offer were that after meeting some requirements like, make XXXX bill payments using the account, I would receive XXXX Citi Thankyou points after no later than 90 days. I have met all requirements and Citi refuses to send my points. It has been much more than 90 days now.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

On XX/XX/XXXX WAKEFIELD & ASSOCIATES posted on my credit report a late payment and collections account. Never recieived a phone call or letter from them for XX/XX/XXXX until XX/XX/XXXX when they reported to credit bureau. On XX/XX/XXXX I faxed a letter to verify the debt with them. On XX/XX/XXXX called and verified they had received my fax and it would be a week or 2 before they would be sending out verification. They stated they are having issues getting information to verify my debt with the original party. Contacted XXXX XXXX XXXX/XXXX the original party and they have no account for me by name or ssn.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (OH)

we and my husband got a dissolution he took ownership of the property my name was supposed to be removed from the mortgage only to find out later by disputing with the credit bureaus did i find out it was not removed also i found out by the bank itself it was not removed after giving them my ex 's social security # then all of a sudden they found my name still on the mortgage like they are trying to hide it.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (WA)

The catalytic converter of my XXXX XXXX XXXX was stolen on XX/XX/XXXX. I filed an approved police report on the same day and also filed a claim with my car insurance company XXXX. Since I had comprehensive coverage my insurance company paid for the repair minus my {$1000.00} deductible. I wanted to renew my car insurance policy on XX/XX/XXXX with the same company XXXX. However they let me know that my monthly rates would be {$100.00} higher because I was involved in at fault accident on XX/XX/XXXX. They told me the company that gave them this information is Lexis Nexis. They said I would have to dispute this record before I can get back my favorable monthly rate. Lexis Nexiss phone number and website doesnt give you an option to dispute your record.
Consumer complaint received 2019-03-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/XXXX about a Hyundai XXXX leave at that point Im making payments in XX/XX/XXXX I have contacted them because we had a lapse in payment, made payment arrangements dates times with them They added all the dates in their computer. Made all the payments got all caught up, At this point they repeatedly called me turning told him I already made payment arrangements and told them that I made a payment they said that they didnt have it I said oh but let me give you the confirmation number when I did that they found my payment. Then in XXXX we fell behind I caught them actually XXXX I caught them every time I told them but I was going to pay and how much I was going to pay them print computer number because when out to me and next day get another phone, I never noticed anything any computer so Im XX/XX/XXXX I caught them made a payment of XXXX took it off my card. On the phone with them that day I made payment arrangements tell them I say that with my bank for XXXX to come out every two weeks And I told them that I would be making bigger payments and a back payment every two weeks and Ive called him every week to set that up XX/XX/XXXX or XXXX XXXX they repo my car I never got a notice about it never got a phone call. I called them it was on the phone with them for three hours spoke to XXXX XXXX few other people they knew nothing they just tell me what I/O road finally they had this lady called me a case manager from consumer affair is she was assigned to my case later on that day I get a phone call from the people that re-polled it  said that Hyundai finance call them And told them that they were to give my car back right away I get it that day at XXXX XXXX have received and I made payments and I tried to find out what went wrong, Very next day I called to find out what went wrong in every Day The last two weeks and got no answer everybody that is in the phone didnt have any information any so XX/XX/XXXX I get this letter in the mail stating urgent notice regarding your vehicle repossession they mailed it out on the date XX/XX/XXXX they repo my car to XXXX .In this paper it states are you {$770.00} when I was talking to them the XXXX they were saying it only XXXX when XXXX XXXX every time I talk to him its a different amount I have on my receipt and I paid them Im just afraid that theyre going to come take it again even though I paid them so I called somebody XX/XX/XXXX the consumer fair number they gave me I said like to speak to you ladies had with my case they said oh it looks like its 30 days old now we got to make a new one I just hung up on them so frustrated .Then in XXXX they called my husbands job seven times and harassed him I finally called them and asked them to please never call his job again, called this number here the one they have on file .I talk to somebody that Hyundai somebody from the bar association and they sent them what they were doing was breaking the fair debt collection practices act
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I cant give dates because the loans were for my daughter and didnt know I owed any money until I was notified by phone. I had to give my income information due my daughter still lived at home and was under age XXXX. I told the lady in the financial aid office I only wanted my daughter to receive money that didnt need to be paid back. I signed for her to get Grant money but my signature was then used for XXXX XXXX loans which I had no idea was done until XXXX months after she graduated and was notified the money was owed. She graduated in XXXX I think. Sorry I dont have much information but XXXX I was never sent any information and second the school she attended is now closed.
Consumer complaint received 2017-10-03
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: TD BANK US HOLDING COMPANY (MO)

My XXXX XXXX was awarded the credit card debt in our XXXX per the XXXX decree XXXX XXXX XXXX XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the XXXX, he has neglected to pay them, and it has dropped my XXXX XXXX significantly.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

There're discrepancies between what the merchant charged and what the bank charged.

I have attached three files, one for what AFCU charged, one for what the merchant Charged, and one my comparison table showing AFCU overcharged every transaction by 1 %, and nobody at AFCU can explain to me what that 1 % fee is for. There should be no fees because I used a debit card that is tied to my checking account at AFCU.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

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 2019-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (MD)

My original loan was {$1400.00} My fotst payment was {$260.00} on XX/XX/19 Senconf payment {$370.00} on XX/XX/19 Third payment {$370.00} on XX/XX/19 Then i can on friday XX/XX/19 to schedule the full loan amount the representative that day say my remain balance to oay in full was XXXX cents Then they wildraw out my account {$1600.00} cents i call and try to unfetstand the XXXX say he review the conversation and hecsay the amount was okey to be charge then i make the numbers and dont make sense after 3 payments 2 of XXXX and one of {$260.00} total of pauments is {$1000.00}. 44 then yo pay complete {$1600.00} is way over payment i considering this and abuse of people on need like me. Please help The comoany go with another name XXXX Or BLUE TRUST LOANS
Consumer complaint received 2017-12-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NY)

I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I wrote American express serve and advised them that a man picked my property up at the jail and did not bring it to the person he said he would, instead he took my banking card and withdrew XXXX. Upon my release I filed a claim and it has been denied. Even after asking them to shut the card off. Im out the XXXX bucks
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

I signed up for a Citibank Gold Checking account, which stipulated that I would receive XXXX XXXX Miles after following the below instructions : Apply for the account online or call XXXX to apply by XXXX XXXX, 2016 Use promotion code " XXXX '' Make at least {$1000.00} in debit card transactions in the 1st 60 days of opening your account, AND Make at least 1 bill payment for 2 or more consecutive calendar months within 60 days of account opening.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (NY)

I had a XXXX XXXX XXXX card. I had it configured to pay the full balance every month by automatically withdrawing payment from my checking account. 

XXXX discontinued the XXXX card. Without notifying me, they transferred my remaining balance to a new XXXX XXXX, which I did not want and did not activate. They did not transfer over the autopay settings. 

I received no written or electronic correspondence that my balance had been transferred, or that any payment was due, until I received a letter today ( XXXX XXXX ) notifying me of a past due payment ( which affects my credit score ) and a late fee of {$35.00}. 

This is a fraudulent late charge and should be removed immediately. I called customer support but was never able to connect with a human being to request that they take action.
Consumer complaint received 2019-10-26
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: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****,  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****, ( Original Creditor : ) XXXX****,