davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (TX)

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 Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # ENDING IN XXXX
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I have a Sears credit card since XXXX. I have always paid on time until I was impacted by Covid 19 in XXXX. I was given a couple of extensions due to Covid 19. After 2 exception periods, I have been harassed by Citi Bank. I called on XX/XX/XXXX before the extension expired to let them know that I am still impacted and they said they were going to document the account. I have been harassed after that even before XXXX XXXX PST. This is causing a lot of stress. Around XX/XX/XXXX I agreed to speak to the Solutions team to see what they could offer me to take care of the account. At that time they offer me a 58 month payment plan for {$550.00}. I told them I would not be able to commit to that amount and I could pay {$350.00} to {$400.00} max as I was asking my son to move back and pay rent. They told me several times that they could only offer the {$500.00} for 58 months and advised me several times to call back after XX/XX/XXXX to see what new programs would be available. Several associates let me to believe there could be a better program that may work with my limited budget. On XX/XX/XXXX I called in and when they reviewed the account they told me they can offer me {$560.00} a month so they are charging me interest for another month and the amount has gone up. This company does not care about my account having a perfect payment record for 30 years. They led me to believe i would have other options and I found out that actually the interest has gone up for another month which I could have avoided if they would have been upfront to tell me that if I did not take that offer the next ones would be higher. I could have made a payment of {$550.00} on XXXX but kept heating to wait until after XX/XX/XXXX for other options. This is very misleading and it feels like Citi Bank does not value a relationship and does not accept responsibility for associates misleading. I asked to at least be put back to what they had offer me and they are refusing to work with me. They have no consideration for people who are impacted by the pandemic and are trying to be responsible ene if you have always been on time and have a 30 year relationship. They are forcing me to get into a worse situation. Please help me I am trying to be responsible and they are not working with me. Thanks.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

Synchrony/Belk is falsely reporting to the bureaus that I have a balance with them on a charged off account. They have not reported to the bureaus they transferred/sold this account almost a year ago. They continue to report to the bureaus that I have a balance with them that they have charged off. They did not notify the bureaus that they do not own the account and they did not notify me in writing of the creditor to whom they transferred/sold the account. I also wrote to the bureaus to request they delete this account based on inaccurate reporting but the account is still being reported. They are in violation.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MT)

We made hotel reservations through XXXX for XXXX WY, XXXX XXXX XXXX on XXXX. My husband saw the charge of {$470.00} on our Citi card statement and immediately contacted Citi reporting the charge as fraudulent. XXXX posted the charge with the description of XXXX XXXX and my husband forgot that we had indeed made the reservation. We rec 'd a provisional credit from Citi but when we realized we actually did intend to have the charge and reservation, we let Citi know. They re-charged our Visa on XXXX. Our trip was to be XX/XX/XXXX - XXXX. In XXXX my father became seriously ill and we had to cancel our trip. All of our correspondence had been with XXXX through an online messaging system. I contacted them XX/XX/XXXX to cancel. When I didn't receive a response from XXXX, I contacted the XXXX XXXX XXXX on XX/XX/XXXX and was told that our reservation had indeed been canceled. We did not see a refund of the {$470.00} on our next Citi statement from XXXX. I tried in vain to reach XXXX but was no longer able to get into the messaging system. XX/XX/XXXX I contacted Citi that we were disputing the charge as we had cancelled our reservation. We received a provisional credit from Citi. Citi reached out to the XXXX XXXX XXXX but was told XXXX XXXX had not received funds from XXXX so that we had to take it up with XXXX. We received a letter from Citi stating this on XX/XX/XXXX. The charge was reapplied to our account on XX/XX/XXXX. We tried to contact XXXX XXXX but they were closed for the off season. We left messages for a return call which we did not receive. We sent a certified letter XX/XX/XXXX to XXXX XXXX which was returned for invalid address - the address was the one posted on their website. We tried many times to contact XXXX with no success. The account login that I had would not work. We called XXXX XXXX again on XX/XX/XXXX and spoke with a manager. We were told they did not receive funds from XXXX so we would have to contact them. On XX/XX/XXXX, I posted a negative comment on XXXX XXXX XXXX XXXX  page. On XX/XX/XXXX, I was contacted by XXXX XXXX and received an email from them. Again, they explained that they did not receive funds from XXXX so we would have to contact them. They tried on our behalf to reach XXXX but were unable to. The phone number for XXXX has been disconnected. We called Citi again today, XX/XX/XXXX with our dispute. We were told that because we had already disputed this once that we could not dispute it again. The problem is we are not disputing the original charge. The charge we are disputing is the XXXX charge that was not refunded by XXXX. Citi gave us a " courtesy credit '' of {$65.00} today. My husband asked where they got that number and was told " I have no idea ''.
Consumer complaint received 2022-08-22
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. (CA)

XXXX  is reporting late payments on my credit report. 

I recently received a copy of my XXXX, Transunion, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX1 late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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: LEXISNEXIS (TX)

There are many inaccuracies on my report. LexisNexis continues to tell me that the insurance carrier, XXXX, has 'verified these as accurate ' however, the information is wrong and has been edited to reflect my information, after the claims were disputed, even though these claims are not mine. They are either fraudulent, or more so, I believe LexisNexis and XXXX are confusing my information with someone else 's.
Consumer complaint received 2022-07-27
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. (GA)

XX/XX/2022 I sent certified letters to XXXX, Equifax, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, Equifax, or XXXX.
Consumer complaint received 2022-08-21
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: Regional Management Corporation (WI)

Company Regional Finance Corporation located at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Wisconsin XXXX XXXX is reporting debt information TWICE on my credit report ACCOUNT NUMBER XXXX which is illegal and violation of the FCRA.Also reporting this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXXThis is illegal and should be removed from my credit reports from all 3 credit bureaus from the original creditor thank u.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Data Search NY, Inc. (MD)

So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX XXXX 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company TrakAmerica, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to XXXX 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number XXXX the one that is in collections XXXX, and said he can't discuss it at all to anyone and that I needed to call XXXX, which is TrakAmerica 's number. XXXX 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against TrakAmerica.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE (MD)

So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX Barclay 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company XXXX, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to Barclay 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number ( the one that is in collections ), and said he can't discuss it at all to anyone and that I needed to call XXXX, which is XXXX 's number. Barclay 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against XXXX.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, XXXX  and XXXX, and Citibank, NA XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX  of each month. In this instance a payment of {$230.00} was made and credited to my account on XXXX XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XXXX of XXXX but was and has never been 30 days late. In XXXX of XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and Citibank has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of XXXX.
Consumer complaint received 2020-12-06
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. (MO)

I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, Equifax and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XX/XX/XXXX.
Consumer complaint received 2021-01-25
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX my bill for account SYNCB/AMAZON PLCC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NY)

I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card