davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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. (MD)

Im writing as a disappointed customer of Citibank. On or about XX/XX/2019, I submitted a payment online. Shortly after realizing that I scheduled a from the wrong account ( there are several listed in my account ), I contacted Citibank and attempted to cancel and reschedule the payment using the correct account. They told me that they were unable to make any amendments and that it would be returned and then I submit another payment using the correct account. I asked if they could notate my account because I didnt want to face any penalties or problems. They said they would notate the account and assured that I wouldnt face any penalties. They even submitted a request to waive the fees. As advised, I made another payment, from the proper account, which cleared my account without incident. However, Citibank closed my account citing credit abuse. I contacted customer service to inquire and they would not offer any additional information. 
Im appalled and would like this situation rectified and the account reopened. Credit abuse is incorrect reporting. The payments on this account have been timely and Ive been a valued customer for many years. I used this card regularly which is not abuse. This is unacceptable and I am expecting a response. If Citibank is alleging credit abuse I would like a FULL explanation/FULL disclosure of the alleged abuse to include dates, times, and incidents. 
This is unacceptable treatment by Citibank. Accordingly, I have also filed an official complaint to the Consumer Financial Protection Bureau. Thank you for your time and consideration to this matter.
Consumer complaint received 2022-03-25
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (NV)

I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

the attached letter is regarding a XXXX XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, equifax and XXXX  are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage was sold to Loan Care several years ago. After the COVID pandemic, Loan Care mailed me documents to facilitate lowering my monthly mortgage payment through a program they call a Flex Modification. I called Loan Care and told the representative that I accept the Flex Modification offer. I then set up automatic payments in the new monthly payment amount to Loan Care from my credit union account. After 3 monthly payments were received by Loan Care, I received a notice from Loan Care demanding that I pay the last 3 mortgage payments plus the next month 's payment to avoid foreclosure on my home. When I called Loan Care to find out why all my payments were ignored, the representative stated that each of my mortgage payments were XXXX cents short. For XXXX cents, they are threatening to take the only house I've ever lived in. I have called them multiple times, yet they claim that my poor eyesight that couldn't distinguish between a XXXX and an XXXX makes no difference to them. Now they are demanding all 4 payments to be sent to them yet they refuse to credit my account for the 3 payments they received from me that were each XXXX cents short. 
Please provide any guidance you can to help me save my home of XXXX years. Thank you.
Consumer complaint received 2019-02-17
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. (MS)

I obtained a payday loan from XXXX XXXX XXXX  in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX  for unfair practices and the item removed immediately.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Telemarketing scammers of Portfolio Recovery XXXX are trying to shake me down for imaginary, non-extistant debts. These vicious telemarking criminals are calling from about XXXX different telephone numbers.
Consumer complaint received 2016-08-10
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY (HI)

I have rescinded this mortgage notified lender and loan servicer by way of mail, 20 days has past since rescission of loan but no response only continue collection activities to harass and oppress. Loan servicer and debt collector Jame B. Nutter continues to collect this debt and ignore my rescission and demands for validation and verification of an alleged debt that they are attempting to collect. 
XXXX XXXX Mortgage XXXX XXXX is no longer in business and is barred from engaging in any activity concerning financial products or services to consumers because of fraudulent activities. 
Debt collector James B. Nutter has violated the Fair Debt Collection Practice Act not just once but several times specifically 15 USC 1692g ( a ). 
Debt Collector James B. Nutter has used and shared private documents publicly without any prior consent or authorization.
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

The unverified Net Credit # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information as has never requested $ XXXX of loan. Net Credit has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the account claiming that was verified but provide no evidence of the verification and ignoring all the facts that the account should be reported closed. This account should not be reported in my credit.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MD)

On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from TD Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SELECT PORTFOLIO SERVICING, INC. never sent Monthly Mortgage Statements since XX/XX/2020. This company operates under the RICO ( Racketeer Influenced and Corrupt Organizations Act ) and their " Banking License '' should be suspended and their principals should be put in jail for criminal fraud. Also reported to XXXX XXXX at XXXX XXXX XXXX XXXX, Washington, DC XXXX
Consumer complaint received 2020-04-19
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. (TX)

ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal  Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2016-12-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Suburban Credit Corporation (VA)

This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

I spoke with representative from the company advising them that I had been very sick and was in the hospital. Currently out on a leave from my job. I asked them if they could help me out with the covid19 situation thats going on right now. The first guy I spoke with said that hes notate my account and try to work with me. The very next day, another representative from this company who was very hostile and rude basically told me that they arent helping me and I would be getting daily late fees. DAILY LATE FEES DURING A WORLDWIDE PANDEMIC. I truly dont understand who has a heart to not want to help their customers. Providing information on covid19 on their website but not helping ANYONE. This is a very tough time and their actions shocked me. I ended up having to take out a loan from my 401k so that I could try to make the payments. Companies like this SHOULD RECEIVE NO BAIL OUT/STIMULUS MONEY because they are NOT for the people. Can you please look into the complaints and see how they go about running their fraudulent business adding numerous fees, and ridiculous interest rates?
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NC)

I was late on paying my Discover account due to trouble making payment through the discover app. I was charge a late fee of XXXX XXXX. Which was refunded. But my minimum payment went up by XXXX XXXX  for the next month. Upon Discovers policy there calculations for late accounts you have to pay XXXX XXXX   plus an extra XXXX, plus 2 percent of Balance owing that goes towards balance owing. Upon this calculation you are paying an additional XXXX XXXX  plus on top of the monthly minimum due balance which is going to the balance owing. I was late paying XXXX 's minimum amount due. Therefore, XXXX 's payment has been increased by XXXX XXXX. Eventhough it goes to my balance owing and not to Discovers pocket for late charge ; I am still being charge a late fee in another form of punishment for paying late. Discover calculations on late payments practices should be reviewed period.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that Equifax and XXXX they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to XXXX or Equifax, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On Equifax I logged in to a service to see if my social was a breach victim and it was. XXXX on Equifax website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.
Consumer complaint received 2022-03-24
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. (KS)

I have been sending Equifax letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by Equifax credit Bureau.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My Identity was stolen by a family member who was not a US citizen and is no longer in the US. He used my information during his visit and had my mail forward to another address. It lasted for 2 years ; I did not notice until my licenses never showed in the mail. 

I was never proactive when it came to my credit. I wasn't aware of how to monitor my credit like I am now.
Consumer complaint received 2020-04-19
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. (VA)

There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (MA)

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax Mortgage Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ conducted a Hard Inquiry into my credit report on or about XX/XX/2018. I have no knowledge of who this company is and what's the nature of their business, but more importantly, I did not requested and or authorized them to access my credit report.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

Hi I have been trying to come to kind of agreement with Santander I am sick this is preventing me from doing anything with my life these people say that when the car got repossessed it had damages etc and that was not true and they could not prove it and added more money to what it actually is the only reason I didnt keep this car its because of the fraudulent dealer I got it from called XXXX and they had agreed to pick the car back up. Please help me
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (GA)

I am a victim of identity theft. I contacted the credit reporting agencies with all of my identity theft reports ( police report and FTC report ) and they removed this fraudulent account from my reports shortly after receipt. Then this company waited a few months and put the account back on my credit report by acting like its a new account. I need this fraudulent account removed. I've attached the conditional acceptance my XXXX XXXX law firm told me to send in.