davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

In approximately XXXX, XXXX, I made a reservation on XXXX XXXX for a trip to XXXX using a credit card. I then received an email that if I used XXXX XXXX XXXX XXXX Platinum for other fees, there would be no luggage fees. I applied for the card and was approved. I put my luggage fee on the card but later was told it was only waived if I used the card for the purchase of my ticket. I paid the fee on my card and cancelled the credit card because their agents refused to waive a {$25.00} late fee on a {$25.00} charge and because of the false advertising. 

It has been a nightmare since that time. I got calls every day because they billed a late fee on a late fee which I did n't pay. I then decided not to fight for such a small amount and paid my XXXX bill by the due date of XXXX XXXX, XXXX by mail.It was received by them by XXXX XXXX, XXXX but they did not credit it to my account until Sunday, XXXX XXXX, XXXX and sent me another bill for a {$35.00} late fee plus interest on a {$25.00} late fee. The card says there is a late payment if they do not receive the payment by XXXX XXXX, XXXX. They could not have received the payment on XXXX XXXX, XXXX because there is no mail on Sunday XXXX XXXX, XXXX. 

In my opinion, that is fraud - To hold a payment until is overdue and then charge a late fee on a late fee with interest. 

The only item that was ever charged to my account is {$50.00} in luggage fees ; nothing else. 

I am warning others not to apply for a XXXX XXXX Platinum Select Card I am also asking the CFPB to investigate the practices of XXXX Cards. 
Specifically, their practice of not crediting payment on the date received and charging late fee and interest on a late fee. 

I am an attorney in Ohio.
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIBANK, N.A. (GA)

This company received a copy of my title on XX/XX/2010 from the North Carolina DMV. The company sold these personal loans to XXXX XXXX which turned into XXXX. However, they lost the title when sending the information to XXXX XXXX. 

Another sector of CitiFinancial is still open. However, they refuse to request a copy of the title. They are the best people to request it since their name is still on the actual title. XXXX never did and XXXX XXXX XXXX who owned the loan is having some trouble making the request for some reason.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX card administered by XXXX XXXX. 
I rarely use this card, so I do not get monthly statements. I receive numerous emails from XXXX XXXX on a daily basis. Evidently, I received my bill electronically, but was unaware of this. I did not differentiate it from the numerous other emails, and the bill went unpaid. They said Insigned up for the electronic billing, but Inwas not aware Inhad done so.
Consumer complaint received 2017-11-08
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. (KY)

I looked on my Experian credit report and noticed a repossession from a company called XXXX XXXX, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Hello, I am was under the impression that my loan modification was going to deffer my payment to the end of my loan. Instead I noticed that I have been charged interest the last year on my mortgage and know they are saying I own more money then one year ago.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

XXXX XXXX of XXXX, XXXX did a back ground check for XXXX XXXX XXXX in regard to a XXXX XXXX XXXX. They have incorrectly listed a case from XXXX XXXX XXXX XXXX XXXX, XXXX CR XXXX as a felony when it is in fact a misdemeanor, as shown by the Bill of Information and the Termination entry. The matter stemmed from patrons of a XXXX house in proximity to my residence and the associated XXXX trespassing through my property. 

The records are online through the clerk of courts, as docket entries. 

I can fax copies if needed.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After thoroughly reviewing my credit report, I have identified XXXX inaccuracies reported by TransUnion, which are in VIOLATION of my rights as a Federally protected consumer. I filed an identity theft report on XX/XX/XXXX, indicating that an individual has falsely assumed my identity in relation to a bankruptcy filing. These items must be promptly removed due to inaccuracies in reporting, as mandated by 15 USC 1681e subsection b, which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Furthermore, in accordance with the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 
The company has to provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. 
If this information is unavailable, immediate removal is imperative. I am not requesting verification of the accounts ; rather, I am demanding compliance with the law, given that an identity theft report has been filed with law enforcement. Notably, this information is NOT being reported by other major credit bureaus, as evidenced by the attached documents. 

Failure to comply with the law will leave me no choice but to pursue LEGAL ACTIONS for these violations.
Consumer complaint received 2019-03-05
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. (NY)

Equifax isnt updating correct information on all my accounts. XXXX and XXXX  has the correct balances. Since Equifax isnt updating my credit score is way lower than the other two. Equifax has numerous inquiries listed on my credit report that arent authorized by me. What is going on? Having negative information on my Equifax report is making it hard for me to figure out why its not updating on their end. Where all these inquiries coming from.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

THIS HAS BEEN A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. I FILED LEGITAMITE AND VALID CLAIMS AND DISPUTES TOTALLING XXXX THAT BANK OF AMERICA HAS ASSURED ME THAT I WOULD BE REIMBURSED FOR. I WAS CREDITED FOR SOME OF THESE TRANSACTIONS ONLY TO HAVE BANK OF AMERICA TAKE THEM BACK FROM MY ACCOUNT, LEAVING IT IN A NEGATIVE BALANCE. XXXX XXXX  XXXX IS ENGAGING IN UNETHICAL, EGREGIOUS AND ILLEGAL BANKING PRACTICES AND NOW, THEY ARE CLOSING MY ACCOUNT IN RETALIATION FOR MY COMPLAINT REGARDING THIS ISSUE. MY CLAIMS ARE VALID AND I SHOULD BE REIMBURSED FOR THESE VALID CHARGES THAT I FILED IN A TIMELY MANNER.
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XXXX XXXX, XXXX around XXXX I made a cash deposit using the ATM located outside the branch Fifth Third Bank. Once I inserted the cash making a total of {$2500.00} the machine went black with an error message ( OUT OF SERVICE ) it took my debit card and money and no receipt was printed. I contacted customer service and explained what just had happened. The Financial Center Manager was contacted XXXX XXXX she is whom assisted me and returned my card that was still in the machine. I was told that a complaint was needed and that it was going to take XXXX business days for investigation and funds to credited to my account. I waited patiently just to find out that the case was closed. I asked for a revision of cameras that are located at the ATM. My funds are still not reflecting. It is a large amount I deposited and I have been a loyal customer with them for the past 3 years.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

I sent CENTRAL PORTFOLIO XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) a letter in XXXX with tracking number XXXX requesting Can you please provide the date of delinquency, a copy of the Dunning Letter, your license that you can collect on my state, a copy of the contract with the bill of sales, a copy of the application, a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which they are reporting to the credit reporting agency. I dispute the accuracy and the validity of the account. THEY FAILED TO INVESTIGATE AND RESPOND IN 30 DAYS! 

They responded with a letter with the date of XX/XX/21 and the letter is insufficient. 

CENTRAL PORTFOLIO is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2022-01-05
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. (MI)

I HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, XXXX AND TRANSUNION WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS XXXX
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

1. We sent our credit card payment in full in two months ago. 
2. We received our next credit card bill, indicating that they had not received payment for the previous month and that we owed late fees and interest. 
3. On XX/XX/XXXX, we contacted Bank Of America by phone and they indicated that if we paid immediately with a e-check, they would waive the late fees. We authorized an e-check for the full amount of {$5800.00}. 
4. On XX/XX/XXXX we received an overdraft notice from our bank, XXXX XXXX XXXX in XXXX, Ok. We went on line and noted that BOA had sent an e-check for {$58000.00} ( they had added a XXXX to the amount it should have been for ). 
5. On XX/XX/XXXX, we contacted BOA and after an hour on the phone, they indicated that we would receive our money within 5 business days. 
6. On XX/XX/XXXX we went to our bank, XXXX XXXX XXXX, and filed a complaint with them to get the over payment amount back. 
7. On XX/XX/XXXX, we had not received our over payment back, so we contacted BOA again. After almost 3 hours on the phone, we finally made it to a manger - XXXX XXXX - ( XXXX ) XXXX.XXXX - and he indicated we would have our money back within 3 business days, but should be sooner. 
8. On XX/XX/XXXX, we still had not received our money back, we contacted BOA / XXXX XXXX and he indicated that a BOA Supervisor was not comfortable sending that much money back to us ... so he would not authorize it. He was not sure if or when it would be sent back. 
9. On XX/XX/XXXX, we filed a complaint with the OCC. 
10. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to see what progress they had made in recovering the theft. 
11. On XX/XX/XXXX, we reached out to CFPB and filed this complaint. 

We did not authorize BOA to withdraw {$58000.00} from our account. 
We consider this as Bank Fraud / wire fraud. 
We want our money back and they should be penailzed. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-07
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: Innovis (IN)

XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

COLLECTOR FAILED TO VALIDATE AND IGNORED CEASE AND DESIST, REC 4 CALLS TO MY DADAS CELL PHONE, INVALIDATED DEBT INQUIRY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED CHAPTER XXXX BANKRUPTCY CASE NO. XXXX
Consumer complaint received 2017-11-08
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. (IN)

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX Equifax, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
Consumer complaint received 2019-03-05
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. (FL)

XXXX, Teans Union, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account.  Other bank credit cards that I paid in full with XXXX balances and I cancelled the credit cards are reappearing after disputing with balances again!
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reached out to the CRA 's with a letter stating what consumer rights have been violated, the CRA 's have continued to report the inaccuracies and violate the privacy of the consumer.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

I had my card stolen on XXXX. I noticed on the evening of XXXX that there was {$2300.00} in stolen money from my bank account. The bank has not returned the money to my account and has made it hard to contact them. They dont have a customer service line where I can call to disputes these transactions. Below is a list of all the transactions that were fraudulent : Total amount : {$2300.00} 1. XXXX XXXX {$100.00} 1. pending 2. XXXX {$290.00} 1. pending 3. XXXX XXXX {$330.00} 1. pending 4. XXXX XXXXXXXX {$100.00} disputed XXXX. XXXX {$57.00} 1. pending 6. XXXX {$110.00} 1. pending 7. XXXX XXXX {$30.00} disputed XXXX XXXX XXXXXXXX {$10.00} disputed XXXX. XXXX XXXX XXXX XXXX$250.00} disputed XXXX. XXXX XXXX$250.00} disputed XXXXXXXX XXXX XXXX {$50.00} disputed XXXX. XXXX XXXX  {$55.00} disputed XXXX. XXXXXXXX XXXX  {$1.00} disputed XXXX. XXXX {$10.00} disputed XXXX. XXXX XXXX  {$210.00} disputed XXXX. XXXX XXXX XXXX  {$220.00} disputed XXXX. XXXX XXXX {$50.00} disputed XXXX. XXXX XXXX {$67.00} disputed XXXX. XXXX {$22.00} disputed XXXX. XXXX XXXX disputed XXXX. XXXX XXXX XXXX XXXX  {$11.00} disputed XXXX. XXXX XXXX XXXX XXXX {$60.00} disputed XXXX. XXXX XXXX {$25.00} disputed
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

Basically when i was applying for vehicle at dealership and i did that give any consent to run my credit and after leaving i found out that my credit was run multiple times without my authorization.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

My XXXX XXXX XXXX XXXX account dropped off my Experian Credit reports at least 40 days ago. I just pulled a new Experian report this morning around XXXX XXXX and the XXXX accounts are showing up again.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

XXXX is preventing a merchant from accepting checks on an account that has {$14000.00} in it. I believe this is due to the fact that the account is set up as a federal fiduciary for my husband. The VA requires that I write checks to pay for these things.
Consumer complaint received 2017-11-08
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. (CA)

I have been with Citibank for a long time I have checking savings and 2 credit card accounts with them. Recently they closed one of my credit cards because I hadnt used it and I lost almost 30,000 thank you points. I was unaware of this. I do online banking and online my account is still there and I have no I do at all about the closure of that account and the loss of my points.
Consumer complaint received 2021-06-24
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. (MN)

I went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

Macy's/citibank account : XXXX charges were incurred at some time before this date. payments were not made from XXXX XX/XX/XXXX as this was Fraudulent activity on my account that I was unaware of. In XX/XX/XXXX this was determined to be fraud by Macy's/citibank. When I called on my Macy 's account after finding this to be on my credit reports in XXXXXXXX, they transferred me to the debt recovery department. They tell me every time that is was determined to be fraud and I was not liable. Yet- when calling, it says this account is in debt recovery. I asked to speak with someone in the Fraud dept and if transferred am cut off every time, if not transferred I am told to the only way to rectify this is to write a letter only through he USpostal service to rectify and there is no one I can talk to live. This was determined to be Fraud in XX/XX/XXXX. That was nearly 2 years ago and they have not rectified with the Credit reporting agencies- of which it should never have been reported to in the first place. I wrote my letter to request them to rectify in XXXX they stated they only received it on XX/XX/XXXX. The postal service does not take that long. They put this into investigation for the next 30days. If their own Customer Service has stated every time I call that it was determined to be Fraud by their investigation- in XXXX why are they having to further investigate this for 30 days? I have another Citibank Card that will not be reissued- due to this, I have not gotten a loan at an acceptable rate due to this. My credit will take another hit if I have to reapply fort the Citi bank ( Costco ) card that will not be renewed and this is 100 % the Fault of Macy's/citi bank- yet they are saying they need to investigate again!. Why is this allowed? They made the mistake. Then did not fix the mistake. They are taking an additional 30 days to investigate something they got an answer for 2 years ago. This has cost me hours of looking into.