davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AL)

On XX/XX/XXXX I called Citibank to ask why they had not upgraded my card to paid since they had receive my payment more then 10 days ago. I needed the credit to reflect the payment because I needed to use the card to make a purchase. I explained it shows on the information that credits are updated within 7 days of payments and it had been more than 7days and wanted to know why it didn't reflect the payment which was substantial. The CSR tho she was referred to as a supervisor did not have an answer. She was quite rude and hummed and sang in the phone as I asked her if she could be more forth coming. She did not answer. I explained that if she could not update it then I have no need for the card. She said so you want to close the account? I stated that was not my intention but if they were not going to give me credit access it will not help me. She continued to badger me about closing the account and I should say " yes ''. She was not helpful and I am sure I did say yes. There was a charge of {$34.00} remaining on the card and since she closed the account I paid it with my bank card, received an email from them stating it was received. I then removed all my information from Citibank card app and now have received a bill stating I owe {$69.00}. This includes {$30.00} interest I am not responsible since I paid that balance before the interest should have accrued. These people are tremendously rude and unapologetic. They will not work with you and take pleasure in trying to ridicule you. They have no intention of helping to resolve anything and only want you to pay this amount. I will pay it because I don't want them to ruin my credit rating but something needs to be done to this staff of idiots.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

experian and XXXX XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
Consumer complaint received 2023-03-16
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (MN)

On XX/XX/XXXX I opened my XXXX XXXX account to see a closed collections account. The company, " CREDIT MANAGEMENT LP '' was reporting that I had an account with them related to XXXX beginning on XX/XX/XXXX. I never received any notice of this debt. I never paid this debt. This debt was never verified. I also had changed addresses during this time period, and kept an open account with XXXX the entire time. I have tried to dispute this account via other means without success.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2022-08-15
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. (MA)

We closed my Saving account, so the company 's excuse that all of a sudden I need to activate a debit/ATM card, which is XXXX  and I never had to in the past is no longer an issue. I STILL can not access my account online because these XXXX XXXX XXXX XXXX changed their website AGAIN without notice. It is repeatedly asking me to activate a card that I do not have. This problem is not only affecting me as there are numerous similar complaints on the web for the same thing, only they are too XXXX  and XXXX  to resolve them, and until the CFPB investigates, regulates and fines this XXXX  bank, this XXXX  customer service will continue
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (MO)

My husband passed away on XX/XX/2018, and I am a XXXXold widow who is still in mourning. I was told ( correctly ) by XXXX XXXX XXXX Master Card that, as an authorized user, I could neither use their card, nor would I be responsible for my late husband 's debts. As a result, I panicked because I had never been responsible for finances before, and I did not know which credit cards I could still use as a co-owner, and which I could not as only an authorized user. As a result, out of naivete, I did something XXXX and applied for too many new credit cards in my own name at once. This, of course, changed by credit rating which is still ( at last glance ) rated between good and very good in all three credit files. My complaint is with XXXX Bank and their " XXXX XXXX XXXX XXXX  '' Master Card. While I understand their concern, their response was both incompetent and consumer unfriendly. In my naive hunt for new credit cards, I opened the " XXXX XXXX XXXX XXXX '' Master Card, because I like XXXX XXXX XXXX XXXX XXXX  merchandise. I made a few very small purchases on that card -- under {$50.00} each -- and paid my bills on time and in full. Nevertheless, XXXX Bank cancelled my credit card about three days after my timely payment in full. The bank also showed some incompetence prior to this that I should have taken as a warning of bad things to come. After my application was accepted online, I received no additional response -- which was odd. Since I applied on a Sunday, I figured that my application had somehow not gone through, and I more or less forgot about it. Suddenly, a few weeks later, my card appeared in the mail. I activated it, but when I tried to use it for the first time, it would not go through. I called customer service, and a very nice and helpful woman said that my card had not been activated, and she activated it ( a second time ). That was all okay with me, and my order went through. I also placed a second order ( under {$50.00} ) with no problem. However, these initial irritations served as something of a harbinger of incompetence to come. I know that credit card issuers may legally cancel any account at any time that they wish, but I believe that I was treated very badly as a consumer, and that XXXX Bank is horribly incompetent.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX XXXX after closing, however, there is no record of that transfer in XXXX County, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure XX/XX/XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began XX/XX/XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX XXXX Servicer as a Debt Collector, refuses to close this and wipe the slate clean.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report was given to a company and marked as a hard inquiry on multiple separate occasions when the creditor had not bearing or rights or permission to have full access of my credit report. I ask that these be removed from my credit report as I did not authorize access to a full credit report to be obtained by the following companies! 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report that requires correction. After a careful review of my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my account. I would like to request your assistance in investigating and correcting this inaccurately reported information on my credit file.
Consumer complaint received 2023-03-16
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: ENCORE CAPITAL GROUP INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Fair collections and out have reported inaccurate information to transunion, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but transunion refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and XXXX ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I have no knowledge of the debt owed to this company. I have never done any business with this company nor have I signed any documents. I requested copies of the paperwork showing I signed and agreed with company but nothing was sent in response. According to 15 USC 1692c ( c ), If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, there should be no communication nor should there be any report on my credit report because I do not owe Resurgent Capital Services.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Bank of America, I can not close my account currently because you guys stole my money and overcharged me. Please close my account as I no longer will be paying the overcharged amount because it was not caused by me, but caused by your faulty system stealing millions of dollars from your other clients. I will no longer be banking with Bank of America.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (FL)

I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have credit collections agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency CONSUMER ADJUSTMENT COMPANY Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXXLast Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status DateXX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I have XXXX unauthorized transactions on my account and I called the bank immediate ( the next day after the transactions were posted ). The bank told me that they will investigate that and will contact me within 48 hours. however, they never contacted me and I have to call them back and I was transferred XXXX times and still got no resolution. I got a feeling they try to ignore me and made it as hard as possible to let me get my money back. I am very frustrated and I am closing my account with them once I have my money back.
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (NJ)

U.S. Department of Education sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
Consumer complaint received 2022-02-07
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. (WA)

My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting wrong information in my credit report they are reporting and account that does not belong to me is from a collection company that is probably braking tha law also by reporting wrong information on people 's files to see if they can damage their credit without actually investigating if the account belongs to that particular consumer. 
The name of this collection company That I have never hear of is MONTEREY collection svc.