davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

around XX/XX/XXXX I contact customer service to get my pay off amount for my credit card Account number ending in XXXX since i was enrolled on paperless statements and I was not able to log in online and I wanted to pay it in full before my international trip this way my balance was XXXX and there was no future payments. in that phone call i talk to a supervisor and order a new card and expedited to me so i could make an online payment before the due date, also gave me the amount due of {$9200.00} that was i little bit higher than my ending balance because it included the new interest accrue until the due date also he offer me to make a adjustment for the interest and dispute some charges i did not recognized he assured me after i pay that amount my card balance was going to be XXXX and will not have to make another payment until i use the card again. on XX/XX/XXXX when i received my new card i log in online and made the payment of {$9200.00} for the exact amount the customer supervisor told me to pay so my account could have a XXXX balance and i would not have to worry on any payments while I was out on my trip. I never received any phone calls or correspondence until XX/XX/XXXX regarding my past due account i contacted customer service regarding this error on their part and explain the situation they were very uncooperative and the only thing they told me that i had to pay the past due balance of 300 something dlls that was mostly late fees for the months of XXXX XXXX XXXX XXXX XXXX and XXXX and when i express my concern of my credit being affected they told me that is why i have to keep track of my balances. i try to explained them that the may reason i contacted customer service and make sure i ask for the exact amount i had to pay so i didn't have to worry about any future payments their response was that there was nothing to do that my credit was already affected by the late payments and that i need to make the payment as soon as possible which i believe that is very unfair the way they conduct business especially not caring at all or being a little considerate i really need help resolving this situation and i would like to remove all the late credit reporting that was done by their deceptive practices and that would considerably affect my credit score since this situation has already had consequences they close both of my credit cards i have with them and this action also lowered my credit score which i really matters to my life. thank you!
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc. (UT)

XX/XX/2019 XXXX  XXXX completed Paid copay amounts of over $ 2500-including a cash payment of {$1200.00} in order to get the operation. 
Insurance claims were submitted and paid. A year and a half later the hospital sends another bill. Insurance-both in several calls made and in the insurance claim that we are not obligated to pay that bill as the hospital is in network. The hospital can't explain why we owe it despite the insurance claims-and forwards it to collections. We send proof to outsource receivables that our responsibility is {$0.00} of the {$720.00} bill and they refuse to delete this debt.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (VA)

On Tuesday the XXXX of XX/XX/2020 starting at XXXX eastern standard time I have received 6 calls from conns to collect a payment that is due. I feel extremely harassed and I am appalled that during a time of crisis in the country and economy that this would be considered acceptable. I am considering legal action through and attorney because I feel harassed but am willing to see the resolution from the company before I make that determination.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company (LA)

My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, Freedom Mortgage is not reporting they have my Mortgage. It still reports as XXXX XXXX XXXX XXXX and Paid. 

My Credit score has dropped 100 points ( No outstanding Credit. ) I even have a letter from Freedom Mortgage stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with XXXX XXXX XXXX. 

I have contacted Freedom Mortgage over 11 times  since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE XXXX  even had my residence as one I had not lived at for 4 years.
Consumer complaint received 2020-08-20
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: CCS Financial Services, Inc. (MD)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX   XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and CREDIT COLL ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-20
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: EOS Holdings, Inc. (MD)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ),  EOS CCA ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ), EOS CCA ( Original Creditor : 10 XXXX ), and  XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC. (IL)

I was looking into the recent announced Gold Card from Robinhood and found some the information & disclosures about the card to be somewhat misleading. Both the marketing materials ( found at https : //robinhood.com/creditcard/ ) and the actual fee disclosures for the ( found at https : //api.robinhood.com/creditcard/legal/interest-fees ) all claim that there is no annual fee, while their marketing materials make a note that the card requires an annual Robinhood Gold subscription to apply and maintain the card. Robinhood Gold costs $ XXXXmonth which would effectively make the annual fee {$60.00}.
Consumer complaint received 2020-08-19
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. (NE)

XXXX XXXX credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (SC)

I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-17
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. (NY)

This information that has been reported to my credit report is fraudulent and I would like it to be removed and blocked from my credit report because it is causing me a lot of health issues. 









XXXX XXXX Status Closed Balance {$5100.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$11000.00} Type Credit Card Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$13000.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX   XXXX Status Closed Balance {$26000.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$3200.00} Type Unknown Payment Status Late XXXX XXXX Status Closed Balance {$660.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6400.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$1200.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Open Balance {$44000.00} Type Installment Loan Payment Status Paid
Consumer complaint received 2022-01-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QuickClick Loans of Illinois, LLC (IL)

I took out a XXXX $ loan in XX/XX/2016. I have been paying XXXX $ a month since to pay off the loan. The balance currently owned on my loan is XXXX. I have contacted the company MULTIPLE time to let them know I have paid back this loan times already with interest. I didnt realize the interest was at 96 %. I didnt realize a company could allow the interest to be so high. I have the account tied to my main bank account so it comes out automatically every month. There has to be something that can be done to get out of this loan. There is no longer any contact information on the website to get in contact with anyone.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I mistakenly gave my debit card number to a spammer. I had called the XXXX # on the back of an XXXXXXXX XXXX card that was a few years old. I reported to XXXX that the number now goes to a spammer and they told me that I should have used the new card that came in the mail. They should make sure the old toll free number is not available for use by another entity. I reported it, but they did nothing to close down that number. As soon as I hung up the phone, I realized that the person was a scammer. I called Citibank and cancelled the debit card number and they sent me a new card. 
Same day as I gave out the original debit card number to a scammer, XX/XX/2023, and I reported it to the bank,, they paid the {$3.00} to the scammer, they claim using the new debit card number. It's not possible that the scammer had the new debit card number as I gave it to no one and I cancelled my old debit card as soon as I hung up from the call with the scammer. When I was still able to access my checking account via the Citibank XXXX, it showed the charge of {$3.00} as pending. The telephone agent said it was paid using the new debit card number. 

Now Citibank has cancelled my new debit card and claims to be sending me a XXXX  new one. 
I am trying to log on to my online account through the Citibank XXXX  and it shows an error when I enter my password. I am sure the password is correct. 
I am reporting XXXX for leaving an old toll free number available to others. 
I am also reporting that CITIBANK has frozen my online banking and they paid {$3.00} to a spammer using my new debit card number on the same day that I cancelled my old debit card.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EOS Holdings, Inc. (PA)

After reviewing credit reports noticed an unfamiliar derogatory account from EOS CCA on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

For the past 4 months I have been trying to tell USAA that the collection company they hired sent the ACCOUNT back to USAA. I even sent USAA the CFPB complaint letter that XXXX sent me saying they sent the ACCOUNT back to USAA. The office of the CEO at USAA is refusing to take care of my request to settle the account.
Consumer complaint received 2022-09-10
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: STERLING JEWELERS, INC. (KY)

Have a creditor that will not remove a collection after the statue of limitations. 
Jared jewelers Opened in XXXX Have spoken with company and claimed it would be removed in XX/XX/XXXX. It still stands on my credit report.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2019 a fraudulent check in the amount of {$850.00} was taken from my XXXX XXXX XXXX uncles account at TD Bank. His account number is XXXX. This person XXXX XXXX wrote himself a check and forged my uncles name. My uncle has filed a police report and went to the bank many times and still have not received the money back. He has been complaining since last year
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

After Multiple Disputes TransUnion refuses to update my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the name on file is missing the second letter I between the V and A. attach I am providing a recent Gas Bill with My name on it to prove my case. thx
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southwest Credit Systems, L.P. (PA)

After reviewing credit reports noticed an unfamiliar derogatory account from Southwest Credit Systems on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

The company, Ally Auto, locked me out of my online access and they force users like me to call a number to get a password reset. I have been calling for a few months and their operator always states that they can not assist with a password reset because the system is down. It is always down and they say call back. 

Since I am locked out I have been forced to use a third party payment system that charges a convenience fee that zi could avoid if I could have access to my account. 

I have also been unable to see if those 3red party payments have actually posted to my account.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

CHASE has not responded on how a former WASHINGTON MUTUAL personal checking account became  XXXX  account. According to CHASE my checking account number also became a business account when CHASE acquired WAMU. Their compliance dept closed the checking account without due diligence. CHASE has not attempted to rectify their error.