davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MT)

I logged online to Citibank Diamond Card. I have a been a long time customer of this company since XXXX. When the pandemic started the company lowered our credit limit to right above what was owed on the credit card. This affected our credit score because it was showing that my credit card utilization was at 97-98 %. We struggled when Covid hit, to make payments. We reached out to the company and made payment arrangements. The latest a payment had been was 60 days late. We brought the account current and made payment arrangements and took advantage of the assistance being offered. When the last payment arrangement was made on XX/XX/XXXX everything looked good. On XX/XX/XXXX the company closed our account without our knowledge. We still not received any notification. Citi Bank confirmed our mailing address. We still have not received notification for the limit decrease or notification of cancellation. Our credit cards happened to expire on XX/XX/XXXX and no new credit cards had been mailed out or issued in their system. I believe they had planned to cancel the card prior to XX/XX/XXXX since no new cards had been issued. We also paid for additional services on this credit card. This protection was supposed to help with any type of job loss etc and assist with payments or debt forgivness. We paid for this service for 11 years and they were unwilling to assist us even after we called and let them know it was due to job loss. I reached customer service by telephone and after many painful conversations with the intial customer service reps, I finally was transferred to a supervisor. Let me just say its absurd how rude these intital customer service reps are who answer the phone calls. They were insulting and rude customer service people unwilling to help and told me I had to wait for my letter for reason of cancellation before they could assist me. I find this completely rude and unprofessional and were unwilling to help. I had one customer service person who refused to transfer me to a supervisor and said my husband must be on the phone with me prior to transferring the phone call only to wait another 30 min for a supervisor. I still do not have an answer for the reason my card was canceled. I cant believe that this company is so unforgiving at the time of a major pandemic, resulting in a ruined credit score that will take years to repair.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number ending in # 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 a account without my written instructions
Consumer complaint received 2022-01-06
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. (CA)

I placed an order with an online retailer and a retailer never delivered the item I disputed the item charge and the company gave me a conditional credit and they without any warning they reverse the credit the credit card company did not provide any documentation for sustaining the charge at all they provided no delivery proof or anything that showed that the item order was received or even shipped
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

When I moved out of my apartment I received a bill for {$650.00} for damages to the apartment. I asked the apartment complex to send me an itemized bill of the damages along with photo proof. The apartment complex failed to give me an itemized bill and photos of what they were charging me for. 2 weeks later I received a letter from a collection agency for the money that was supposedly owed. The collection agency has since started charging me interest on this account, and I still have not received a bill or photos telling me what the damages are.
Consumer complaint received 2021-09-10
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. (MO)

My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately. 

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Hello Sir or Madam, I got scammed by this company Amerisave when I tried to refinance my primary home and cash out my equity. On XX/XX/2021, I have applied it from its website and the loan originator XXXX XXXX has called me to go over my application. After first initial review, he said it looked great and I got approved. Then he asked me to pay for the {$500.00} application fee. I was surprised that I have never heard that we have to pay that fee upfront when you apply for a mortgage loan. I thought it was fine because I will close the loan with them anyway. Either pay now or pay at closing. So I have agreed to pay that fee at the beginning. I have received my first disclosure and it looks fine. After the first week, I have received another disclosure with extra discount points from 0.112 % to 0.584 %. I was thinking what the heck, it seems like a bait and switch tactic that lures the consumers with impressive terms and mortgage rates. Once the consumer signs on those terms are then flipped or they're told they no longer qualify for the lower rate. This leaves consumer stuck with fees and more fees, high rates or unattractive loan terms. And this actually happened to me. I was to trying to contact LO XXXX XXXX by phone and by email, but no response at all. I thought he might be busy with other clients. So I have waited for two weeks later. I was finally able to talk to him. I have asked him what status of the loan and he said its good. Then, I asked him when we can close it. He said let him work on it. Two days after the called with him, I have received a denial letter with reason Value or Type of collateral not sufficient. I was shocked and stressed out. I have great credit history with score over 720. My current mortgage balance is {$270000.00}. And my new appraisal is {$480000.00} and they charge {$700.00} for appraisal fee from XXXX XXXX. Its ridiculous expensive. Im still thinking what the heck was going on with my refi, but now I realize that Amerisave is absolute scam. This is how they conduct their business and generate their revenue by this Application fee. They can make XXXX XXXX dollars just by intentionally doing this scam. Additional, they have 14 regulatory actions against this company on NMLS. Many consumers have been a victim by this scam business. I wish I have seen this before I applied my loan with them. Amerisave also required me to pay {$500.00} for the application before providing me the disclosure. I think this act was violated the TILA and RESPA. I hope CFPB or any other government agencies to stop this business model scam. This would seriously harm many many more consumers and economy. This is completely unacceptable. I look forward to bring a lawsuit against this business scam in court. I appreciate all your help. Thank you so much!!!
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

XX/XX/ 2017 from receivables performance.

amount {$640.00} Original creditor name is XXXX XXXX XXXX XXXX. 

I contacted to the collet company already. They didnt see any debts on my name or my credit history. I dont even know that either. 
Id like to know how it shows on the credit score checking website.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlanticus Services Corporation (CA)

I received a call XX/XX/XXXX, I believe, on behalf of a court summons for my mother. The woman on the other side of the line would n't tell me what the summons regarded, and only stated it was personal business for my mother. I ended up writing down the phone number, and letting her know that she was n't expected a court date, that she had heard nothing of it. She seemed obviously surprised. With that, I took this seriously, and told my mother to call as soon as possible. 

Here 's that number : XXXXShe did end up calling a few days later between XX/XX/XXXX and XX/XX/XXXX while I was at work. Now, keep in mind, my mom 's not a courageous person, and is easily intimidated. I suspect that the thought of a surprise court summons caught her off guard, and activated her flight response in dealing with this asap. Here 's where I believe where she 'd dug herself a hole. She owes money to Aspire Visa, a company I researched, and they apparently have their own issues with debt collection. Apparently, this debt 's been around since XX/XX/2001, according to my mom. His name was XXXX XXXX. They verified the last XXXX digits of her ss, and started at a high number for payment, around XXXX XXXX for her to pay off. They got lower in negotiation, we do n't have much in the form of income, so another debt/bill to pay only adds to the struggle. They took it down to around XXXX, and agreed on bi-weekly payments. She agreed, and gave them her debit card number. I was floored when I found out she did this. They sent her a contract to sign, which she did. Aspire Visa is the original creditor, though there 's no trace of it anymore, and XXXX XXXX XXXX ( a company that does n't even collect debt, I 'll get to that later ), was the debt collector. 

I contacted an attorney for a free initial consolation, l brought him up to speed on the details above, and the main thing that stuck out to him was the 'court case ', the woman also said she 'd put it on 'courtesy hold ' for my mother. This tipped him off, he recommended we stop making payments, so we did, we canceled the debit card my mother was using to make the payments, and here we are. They can not threaten a court case according to the FDCPA. 

Just today, XX/XX/XXXX, around XXXX, the same man my mother spoke to called. I did n't pick up, but I did listen to his message. He left a case number for the debt, stated my mother could still resolve this willingly and to call him back, but it was a 'timed matter '. He did n't give a deadline. The number was also different, XXXX. I researched this number, too, and found it to be linked to XXXX XXXX XXXX, apparently another debt collection company XXXX XXXX works with. I researched both companies, and found that they are not debt collection companies, not the official ones I could find registered in theXXXX. This is all up-to-date, and I do expect more calls from this person regarding my mother.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (NH)

Southwest Mediation Service called about a legal action for unpaid bills from XXXX XXXX XXXX, regarding magazines that were issued but not paid for. the phone # that they called for is XXXX. One of the magazines mentioned was XXXX XXXX  I called them directly and they confirmed that I don't owe them any money.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX '' with the balance of {$1100.00} 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 a account without my written instructions
Consumer complaint received 2017-11-20
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. (TX)

I received a letter from Equifax stating that my personal information was included in the Equifax Breach. I am unable to access my Equifax credit report on the Equifax website anymore. In reviewing my Equifax report, I noticed that I had XXXX inquiries that were not authorized and they are the following : XXXX/XXXX for XX/X/2017 which was previously removed and placed back on without my knowledge after my previous dispute, and also XXXX XXXX-XXXX. I am requesting that those XXXX inquires be removed as they were not authorized. Also, I have 2 accounts that need to be removed as they have been unverified and I do n't have a contract or any knowledge with either of the following creditors : XXXX/XXXX totaling {$450.00} and XXXX totaling {$370.00}. Also, XXXX is not reporting a correct balance and I have never been late on this account so the late remarks should be removed. The correct amount for XXXX should be {$380.00}.
Consumer complaint received 2018-06-06
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. (CA)

TransUnion has repeatedly indulged in misrepresenting the status on my creditcard accounts. I have been trying hard to rebuild my credit after being on SSI for years and in the process had to get a secured creditcard from my credit union. The first problem was when they after listing the loan as a creditcard for several months changed the type of loan to " other '' and dropped my score due to their own error. After a dispute which took well over 30 days for them to handle they finally corrected their error. Because I had such a good record of payment with my credit union they gave me a unsecured card with a lower interest rate in XX/XX/XXXX of last year and after a few months because I keep the balance paid off each month TransUnion arbitrarily change the start date on the card to XX/XX/XXXX from XX/XX/XXXX and again lowered my creditscore. After another dispute they removed the account and dropped my score by 25 more points calling the account " closed '' because are using information from the first account instead of the new active account. Their constant consistent misrepresentation of credit scores damages my ability to get credit at a reasonable rate and has cost me 1 % extra interest on my home loan. Talking directly with them and explaining the situation doesn't work as they admit to the error but refuse to correct their mistakes and even refer to the other credit card saying that account is closed. They tried blaming the credit union for providing incorrect information but when I called to their attention that both XXXX and XXXX have the correct information on their sites the people I talked to still insisted it wasn't their fault. They even claimed they hadn't had a response to their inquiry for over 30 days when the information is sent out to all three credit reporting agencies on the last day of each month automatically. Between data breaches and gross incompetence TransUnion has no business even being in business ...
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CA)

I received in the mail. XX/XX/2020 a letter from XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, claiming I owed {$55.00} and referencing XXXX as the creditor, Total fraud, I don't owe XXXX anything. I called XXXX XXXX AT XXXX at XXXX XXXX  XX/XX/2020 and asked what this was about. She is well trained to spout off a lot of bogus account numbers, code words, and tried to get my personal info, very clever. You should shut these crooks down.
Consumer complaint received 2019-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/XXXX urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Consumer complaint received 2017-02-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

On late XX/XX/XXXX we brought a {$690000.00} check after we sold our residential house, to TD bank for XXXX, where I have checking account, the XXXX direct us to talk to their so called investment personnel, she persuade us to put money in Annuity, she claimed interest rate is high in Annuity, we told her we need money soon to purchase a house, right now we are renting, she said we can close account when we need it and get prorated, now we want to purchase a house and need down payment, we instructed her XXXX weeks ago to sell all my annuity which was {$500000.00} and deposit back to my account, then we realized she only could closed XXXX account {$300000.00}, and also found out the other {$200000.00} she open a XXXX years term XXXX, which can not close prematurely, there is penalty of {$17000.00}, to avoid penalty we have to wait XXXX years, XXXX tried to block me from contacting Delaware XXXX she suggested we need money we can get mortgage or home equity, we were shocked to find out after we contacted XXXX that the interest is XXXX % only and XXXX said her TD bank can give us mortgage, and leave Annuity open for XXXX years, everybody know mortgage is now XXXX % more, but after we complain to Better Business Bureau that she never showed us the annuity policy, just gave us paper to sign, if we saw the policy, we wo n't agree to put the money to a account that we can not close until XXXX years later, TD bank stated there was miscommunication, it was not miscommunication, we signed the paper of annuity because we trusted her, we never imagined she lied and cheated to benefit herself for bonus, and TD Bank showed us the copies of what we sign, and found out she made up story of how we do n't need money in 5 years and we want a higher yield then checking account and so on, even go further to make story up that we sold rental house and do n't need any money, so she decided XXXX is very suitable for us, TD bank has no sincere to solve the problem, just insisted that we signed papers so no more argument, we all know customers usually do n't read every single line just trust whatever seller said, or signed at whatever paper seller want to show