davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I have had citi diamond preferred card since XXXX and HAVE NEVER MISSED A PAYMENT except for last month when I moved from XXXX  to XXXX and got into this COVID-19 nightmare. I couldn't rent an apartment because all showings have stopped, and my bills were not being forwarded from California to my new temporary address despite my request with USPS. So I missed just one monthly payment of {$160.00} BY ONLY 5 DAYS. Here 's what citibank has done in response " triggered '' the penalty APR of 29.9 % ( mob loan sharks collect less, as media suggests ), assessed me a late fee of {$29.00}, and already started harassing automated calls to " collect '' debt ( last call was received on Sunday, XX/XX/XXXX, in the morning ). It is indescribable shame with which this bank that got billions of dollars in free governmental handouts in XXXX is now trying to profiteer in the time of a national calamity. Please help to stop this revolting activity implemented by a detestable clique of unpatriotic corporate vermin who have no principles but are guided instead by greed, hypocrisy, and vileness.
Consumer complaint received 2022-01-06
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. (TX)

i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately
Consumer complaint received 2017-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Here we go again. This has happened for the third time now, with them not applying a payment that I have demanded that they apply all towards principal and they refuse to correct the problem for me. The continue to apply one payment out of the additional {$5000.00} principal payment and apply that one payment towards the future. Therefore, making an additional {$400.00} + in interest, because it it just sitting their for an entire month!!!! This time, the payment was made on XX/XX/XXXX, for {$5000.00}.  Called on XX/XX/XXXX, spoke to XXXX, and asked for the payment that was placed in the " future '' to be placed back on principal. She said it would be fixed. Called back on XX/XX/XXXX, problem was still not fixed. Spoke with XXXX, she said she would get it fixed. Still, on XX/XX/XXXX, the problem is still not fixed. THEY HAVE BEEN COLLECTING ADDITIONAL INTEREST FOR 9 DAYS NOW!!!!! SEE OUR LEGAL ORIGINAL MORTGAGE DOCUMENTS THAT STATE THEY MUST APPLY ANY ADDITIONAL PAYMENTS MADE TOWARDS PRINCIPAL AS LONG AS WE OWE NO $ . The next payment is not due until XX/XX/XXXX!!!! PLEASE HELP US WITH THIS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
THEY ARE A SCAM COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I was selling an item on XXXX market place. I had a inquiry about the item, I was messaged from a person named XXXX XXXX. Went through a whole conversation about confirming Zelle accounts. So I confirmed friends with XXXX and went through the process of sending money to confirm friends and accounts. This all ended up in me transferring her {$840.00} through Zelle using my XXXX XXXX  App. And come to find out it was a scam. I have all pictures and emails to prove after the fact of confirming.
Consumer complaint received 2020-09-11
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: Experian Information Solutions 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 Experian, XXXX XXXX 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 Experian Boost. 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 2021-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2017-09-30
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: Experian Information Solutions Inc. (MS)

I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (DE)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT FOR CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX ADDRESS XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2019-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (NC)

XXXX XXXX XXXX Its a car Loan that I requested information on two times. I havent received any information. I disputed this a couple times. They picked the car up. I never got information to buy the car back. The loan was sold to gm from another company. I stop receiving information at that time. I requested the physical verification of the original signed consumer contract for the loan. I still havent received it yet. I was thinking section 609 ( a ) ( 1 ) Protecting me. 
The account is GM Financial account number 44406****amount XXXX Dont they have to remove it under FCRA?
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am trying to get approved for a loan. Equifax does not have a credit score for me. After trying to verify my identity by sending my SSN card, drivers license and pay checks for two years, they say that I do not have any lines of credit although I have multiple credit cards and a student loan. The other two credit bureaus have credit scores for me. Equifax told me the name of the person, birthdate, address of who they have under my SSN.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (MI)

I initiated a dispute with XXXX  because they inaccurately reported a balances on 2 of my XXXX XXXX accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and Experian reported the balance of {$590.00} with a {$800.00} credit limit. On the second account XXXX  reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint.

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX  XXXX. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.
Consumer complaint received 2021-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I initiated a dispute with XXXXn because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and XXXX  reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ capital one that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting Capital one and dealing with credit balances and payment inaccuracies since XX/XX/2021 with CAPITAL ONE. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to correct late payment information associated with my account. Despite my persistent efforts and numerous communications, the late open account history continues to negatively impact my credit profile, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to rectify and update the late payment information on my account. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the late payment history remains unresolved. 

It is extremely concerning and distressing to see that despite my repeated attempts and persistence, the late payment information continues to tarnish my credit report and hinder my financial well-being. These unresolved late payments not only affect my credit score but also limit my access to favorable financial opportunities and services. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of late payment information on my account have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit profile. The repeated failures to correct this issue not only undermine my confidence in your institution 's ability to handle customer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all late payment information be promptly corrected and updated to accurately reflect my payment history. Additionally, I expect measures to be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards correcting the late payment information on my account. 

Please consider this letter as a formal complaint regarding the handling of the late open account information associated with my account. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$78000.00} ; XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX became our new lender after processing through XXXX  On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX  and XXXX XXXX XXXX sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from XXXXe XXXX XXXX ( XXXX  ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX XXXX and TransUnion. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX XXXX, in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM XXXX XXXX XXXX on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and XXXX XXXX XXXX, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.
Consumer complaint received 2021-12-21
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 — Problem with personal statement of dispute
Company: PNC Bank N.A. (PA)

This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. Pnc bank and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.
Consumer complaint received 2021-07-10
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
You will also find the XXXX  Deletion report attached that also contains several of the same inquires and they have already removed all fraudulent inquiries too. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX  XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XXXX XXXX, XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.