davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A. ()

My citibank Card Number is XXXX XXXX XXXX XXXX. 
My citibank CD ( # XXXX ) matured on XX/XX/2019. After I came back from my trip in early XX/XX/XXXX, I found that CD was renewed by Citibank. 
I called citibank customer services ( XXXX ), and asked them to cancel it and transfer all the money to my saving account because that I could not accept that citibank was able to handle my deposit on its own without notifying me. 
To my surprise, the amount of money transferred from the CD to the saving account decreased by {$260.00}. The balance of my CD is {$38000.00}. What was transferred to my saving account is {$38000.00}. 
I havent received any notifications from Citibank about the CD of mine, including letters and emails, I declare again. 
For which, I have repeatedly contacted Citibank customer services to ask them to correct their mistakes and refund me $ XXXXbut they have not yet done so.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CO)

I called in to the Macy 's credit card line looking to verify my Identity, so that I could get my credit card to my new address. Not only was I unable to do that with thee manager that I spoke to I was not given the information about where they would send my card even though they, " verified '' me by asking for my social security number. 

THe card, and other information is simply not showing up to my address on file. I need them to send it to my PO Box , but they are refusing to because they need to, " verify '' me Further I asked them to verify my most recent address through my credit report. but they did not.
Consumer complaint received 2020-12-03
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: AMERICAN EXPRESS COMPANY (GA)

On two ( 2 ) separate occasions I disputed a charge for a hotel that was booked through XXXX in the amount of {$110.00} with American Express. Despite providing documentation that clearly illustrates that the hotel room was not available, American Express failed to complete a thorough investigation and issue me the full credit which I believe is a direct result of a language barrier when speaking with American Express representatives.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NJ)

My ex husband used the automated IVR phone system for Comenity Bank to obtain my current credit card balance and last payment information to use against me. He knew my phone number, address and last 4 of SSN to use the automated system to obtain information he is not authorized to access. There is no way via the automated system to block him using any additional security measure, like a PIN, to deny access to this private information. If he calls into a live rep, I have added a password to deny access. He can not use the website since he does not have login information or the account number. He has not been an authorized user on this account for over a year and not authorized to obtain any information on my account. Because he knows my personal information, it is not considered fraud for him to obtain this information via the automated phone system. If there had been that one extra step of PIN validation, I could have blocked him from access my personal information. By obtaining balance information, he is able to determine when I make purchases on the card and available credit. He owes me for a majority of the highest balance on my credit card he racked up while we were married. The current balance on the card is much less than what he owes since I've been paying it down to improve my credit score, yet he mistakenly believes this balance is the actual amount he owes and he won't pay me the amount agreed in the divorce settlement. He is using my own information against me. From Comenity Bank records, he accessed my account via IVR on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent or knowledge. He was removed as an authorized user on the account in XX/XX/XXXX, and we were divorced as of XX/XX/XXXX.
Consumer complaint received 2019-08-22
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED AUTO ACCEPTANCE (GA)

On XXXX XXXX, I called United Auto Acceptance Inc. to place a one month deferment on my car loan due to unemployment as a result of the coronavirus pandemic. My payment history with United Auto Acceptance, as of XX/XX/XXXX was current and in good standing. I was notified during my initial call on XX/XX/XXXX, that a United Auto Acceptance customer service representative did not have the authority to place a verbal deferment on the account. I was informed by the customer service representative to contact XXXX XXXX, by email, to request a formal deferment in writing. I sent multiple emails to XXXX XXXX, XXXX and XX/XX/XXXX but I never received a reply to my many emails. Since a deferment wasn't applied to the account, my XX/XX/XXXX payment was reported late to the credit bureaus and I was assessed late fee. I made many attempts to resolve the negative credit reporting issue with United Auto Acceptance but have been unsuccessful. According to the provisions of the CARES Act, I was in my right to request a deferment due to the pandemic and unemployment however United Auto Acceptance was not receptive to my request for deferment. I would like United Auto Acceptance to reverse the 30 day late payment reporting to the credit bureaus and credit back the respective late fees to my account.
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (OH)

Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!
Consumer complaint received 2019-08-22
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX XXXX  The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group (LA)

I set up auto payments with XXXX/ Ascendium but once i gave them my info they sent garnishment to my employer ( not a problem ). They have since sold my account to XXXX but they are still garnishing me. XXXX advised that they now have my account for repayment but i advised that I'm still being garnished by previous company. They advised to call them to see why garnishment is still in place since they sold my account. I'm being bounced around, nothing is being reolved. I feel as if I don't know who i should be paying. If they sold/forwarded my account why are they still garnishing me. This is why i don't give my account info/ employment info out, i don't need several companies drafting or doing whatever they want with my account. I am a single parent trying to pay off this headache of a loan all while still being able to take care of my XXXX kids and other financial obligations. Garnishment is {$170.00}
Consumer complaint received 2019-08-22
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. (TN)

A loan for {$3000.00} was taken out on XX/XX/2019. The account was paid in full on XX/XX/2019 in the amount of {$2800.00}. A refund check for overpayment was issued in the amount of {$270.00}. Trying to utilize my VA home loan in XX/XX/2019, I discovered that my credit report reflected that I still owed {$310.00}, and it was reflecting that I was still making monthly installments of {$130.00}, which is having a negative effect on my DTI ratio. I believe I have disputed it twice, with no change in anything. I called the company on XX/XX/2019 to discuss why it was not being reported as paid/closed, and it turns out they sold the account to another company, XXXX, in XX/XX/2019, and because it was sold, they could not give me any information on my account. I called STP, and the representative told me that she could see the account was paid off with a refund check issued as well. XXXX had tacked on another two hundred and something dollars for reasons unknown and she would have her supervisor contact them to get more information and have someone from XXXX to call me. Two days later, still no response from anyone. Also, I was told that another customer was having the same issue, so obviously this isn't the only time XXXX has done this. I just want this account to show correctly on my credit report, because what they did and are doing can not be legal.
Consumer complaint received 2022-02-18
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (GA)

This debt is not mine. I was XXXX XXXX military and insured by XXXX XXXX XXXX status of XXXX XXXX also insured by XXXX  This is a violation of HIPPA due to my medical records being shared with a 3rd party collector. Im requesting that this is removed from my credit. It shows on my credit four times for various amounts.
Consumer complaint received 2019-08-22
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. (OH)

Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed up online for TransUnion 's free credit report. TransUnion explicitly stated this service was free. At one point in the application, they asked for my credit card information which I provided. Nowhere in the text provided did it share I will be charged. 

I looked at my bank statement and I now have a {$24.00} monthly subscription charge! I am outraged by this false advertising. Three people I know who also signed up for their credit score are equally shocked. How is it possible that all 4 of us independently are mystified by this subscription charge when we carefully read the text for the form? TransUnion knows exactly what they're doing - taking advantage of consumers and charging hidden fees when it is not stated anywhere. 

I see that TransUnion has already been charged for exactly this deceitful practice! They clearly have not learned their lesson. Link : https : //www.consumerfinance.govXXXX
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX I was scammed by a person that was able to hack my work app. I work for XXXX and they contacted me from the companies phone number. While speaking to me they were able to see my location and everything going on, on my XXXX app. When you speak to people from the company they can see that information. This is where it went wrong. 
I don't know if the guy was able to mirror my phone or what but he said they were updating their system for payments. I had to sign into my bank app from my phone to get some XXXX information. About 30 seconds after I was on my app I was hung up on. I immediately had a bad feeling and checked my acct. XXXX $ was transferred through XXXX to the scammer. His email came up as XXXX and phone number XXXX on the XXXX transfer. 
I contantacted the bank immediately. The second person i spoke to at the bank bank tried to make it sound like I gave him my information when I gave absolutely no info to the scammer. I have called and complained XXXX times to the bank on this issue but they are claiming there is no fraud. I made a police report to XXXX on XXXX XXXX NY. The Police report number is XXXX ( identity theft XXXX ). The number for XXXX XXXX is XXXX. 
I don't want to have to take legal action but that will be the next step if there is no resolution.
Consumer complaint received 2017-12-15
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. (PA)

In XX/XX/2016 i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my Experian report and found out that XXXX XXXX XXXX had put the account back on only my Experian credit report. It is not back on XXXX or XXXX I never received any letters from them or Experian letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute  letters to Experian and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

This company appeared on my credit report as a collection. shortly after I received a letter in the mail regarding this account. I have spoke to various people at this company to try and resolve the matter they have not sent me any validation for this account I told them this was not my account but the collection calls keeps coming with no verification.
Consumer complaint received 2020-12-04
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. (MA)

Hi Experian ; XX/XX/XXXX; and XX/XX/XXXX ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WA)

- I went to purchase an automobile on XX/XX/2019 - I was then instructed to fill out the Retail Installment Sale Contract, See Exhibit ( A ) and Buyers Order, See Exhibit ( B ). 
- The contract was extended to the consumer, primarily for personal, family, or household purposes as an extension of my consumer credit and is an open-end credit account under 12 CFR 1026.2. 
- I am asserting my rights as the DEBTOR per my contract under 16 C.F.R. 433.2 ( b ). 
Wells Fargo has failed to produce the requested documents or an affidavit means that, without verification and validation of this account under Title 15 U.S.C. 1692 Section 809, that there is no controversy in this matter and Wells Fargo has therefore failed to state a lawful claim in this matter. 
- Wells Fargo has not provided an affidavit with the following proof that would show they are the creditor/real party in interest and that they have truthfully validated and verified this account. 
- Wells Fargo has not provided material evidence of a contractual obligation between me and Wells Fargo. 
- Wells Fargo failure to disclose any material facts is a fraudulent misrepresentation by omission and the Retail Installment Agreement is null and void. 
- Wells Fargo has failed to comply with statutory requirements as set forth in Truth in Lending Act, 15 USC 1601-1667f. See Exhibit F - Wells Fargo has failed to comply with statutory requirements as set forth under 16 C.F.R. 433.2 ( b ) the appropriate required NOTICE was not included on the Retail Installment Contract due to a down payment being required for this contract, this makes the entire contract voidable. See Exhibits A, F - Wells Fargo has failed to comply with statutory requirements as set forth in FDCPA 15 USC 1692-1692 ( p ). See Exhibits D, F - Wells Fargo has failed to comply with statutory requirements as set forth in FCRA 15 USC 1681. See Exhibit D, F - As a result, pursuant 15 U.S.Code 1666 ( a ) ( 2 ) to there is a billing error on the Account and under 15 U.S.Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ). 
- I have reason to believe and do so believe that WELLS FARGO AUTO has used unfair business practices and has knowingly with forethought and malice created a fraudulent debt, defrauding the original creditor that is recipient of said statements See Exhibit ( D ) that led the recipient to believe, through deception, is an invoice that must be paid by the recipient or the automobile would be repossessed, and the principals credit reports would have negative remarks added or other extortionate means as defined under 18 U.S.Code 891 ( 6 ).