davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX immediately decreased my credit limit from {$5200.00} to {$4800.00} based on XXXX reporting a lower credit rating and provided notice after the fact ( " XX/XX/XXXX Credit Notification '' ). Subsequently, in a less than 12 month period, on XX/XX/XXXX, XXXX XXXX XXXX XXXX again decreased my credit limit from {$4800.00} to {$4400.00} based on XXXX reporting a lower credit rating ( " XX/XX/XXXX Credit Notification '' ). However, the credit rating listed in the XX/XX/XXXX Credit Notification was points higher than that listed in the XX/XX/XXXX Credit Notification. Between XX/XX/XXXX - XX/XX/XXXX, all payments were made on time without any late fees or penalties. The two credit limit decreases have had an overall negative effect on my credit score essentially dragging my credit score down even lower once the credit limit changes have been reported by XXXX XXXX. As a consumer, this is troubling that XXXX XXXX XXXX XXXX is able to employ this tactic especially when a credit score has improved since the last decrease in the credit limit. I spoke to XXXX with XXXX XXXX XXXX XXXX who not helpful and that it's XXXX 's policy and " nothing can be done. '' I have yet to see any language noted in the Credit User Agreement regarding periodic reviews of the credit account and decrease in credit limit related to changes in credit score reporting.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC. (OR)

they debt collector called me after XXXX. When i asked for my acct information such as amount and account number he kept avoiding answering a trying to humiliate me. He kept trying to put words in my mouth and all I was trying to do was get the information so I could work on paying off my debt but he kept refusing to give me the information until i threatened to end the phone call. He finally gave me the acct number but again kept trying to trip me up by putting words in my mouth. He was extremely rude and unhelpful.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Consumer Law of 15USC code 1681a, transactions and history amounts are not to be reported. Also 15USC code 6802 was violated. I was not ever given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Equifax has never provided the option or have they ever fulfilled their part in letting me know what is being reported on my credit report. Furthermore, Equifax has also improperly reported my bank loans with my XXXX XXXX bank, who are not suppose to be reporting to them, because they are a 3rd party, which is according to the Fair Credit Reporting Act and the Privacy Act of 1974. They never informed me of my right to exercise my disclosure option. 15 USC 1681 C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following items of information, other than records of convictions of crimes this antedates the report by more than 7 years. Once again the this agency is reporting without my consent it is against the LAW 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating a consumer reporting agency if the person knows or has a reasonable cause to believe the information is not correct. 15USC code 1681 e also states every consumer reporting agency shall maintain resonable procedures designed to avoid violations ( section 1681b of this title ). Also in 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime. I am opting out of the reporting services. Furthermore, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave RESONSIBILITIES with FAIRNESS, impartially and respect for the consumers rights to privacy ''. I have a right to make sure it is not shared which states in 15 USC 6801, " Is is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. The credit ( Equifax ) agency absolutely has not nor my written, implied verbal or non-verbal consent. Once again, I am OPTING OUT of your credit reporting agency.
Consumer complaint received 2018-05-31
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. (NV)

I'm filing this complaint because TRANSUNION, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX XXXX Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2017-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (VA)

I opened an ESCROW account with TD Bank ( XXXX, XXXX XXXX branch ) in XXXX to handle the security deposit for a rental we have in XXXX XXXX 
In XXXX we moved to XXXX and I advised TD Bank to change our mailing address ( to become in XXXX  where we moved. 
In XXXX of XXXX I went to the bank and asked about the account. I was told it had become dormant in XXXX and they did not have the correct mailing address. The bank re-activated the escrow account but then charged {$15.00} per month as banking fees because " the account was changed in XXXX to a different one that had banking fees if it fell below a certain limit ''. This is an ESCROW account that will not increase in value. The funds are there as a security and is in the name of the tenant ( I am the escrow holder ). 
The bank charged an amount nearly {$800.00} for as a service fee over the course of the years. 
I complained to the bank branch in XXXX, XXXX  where we bank and was advised by the bank manager ( after 3 months of waiting ) that she could not do anything ( bank statements which I never received have a 30 day contestation period ). They therefore did not refund any of the money that was charged.
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (TX)

I have all my payments set for automatic pay with this company. on XX/XX/2020 the company automatically enrolled me in forbearance. I called the company and requested to remove me from forbearance and requested for my payment to be deducted. Now I see that XX/XX/2020 was reported as a late payment. I would like this to be corrected.
Consumer complaint received 2016-09-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC (MN)

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Oranization filed a collection action XXXX XXXX 2016 without notification or explanation of debt. The collection appears in my credit report
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpine Credit, Inc (CO)

I was served court documents for XXXX debt from XXXX XXXX on XX/XX/XXXX of this year I believe. I contacted the company to see what I needed to do to settle the debt and requested an itemized bill, the person I spoke to told me they only give those within 30 days of them acquiring the debt and would not be supplying me with XXXX. This call was on XX/XX/XXXX, and was on a recorded line. The amount of debt on my court summons was around {$450.00} when I called to settle they told me my payment was going to be {$690.00} to settle. Not only did I pay way more than my court documents stated but I don't even know what debt I paid on because I was never given an itemized bill. I paid the debt to settle so I didn't have to go to court. So for all I know they could have charged me for anything. I paid almost {$700.00} on supposed debt that I own and was never given the opportunity to review what I was being charged for. This is un-ethical and I want this to be dealt with as I was able to pay the debt by taking out a personal loan, others XXXX not have the means to do so and this is wrong. I work hard for my money and if I owe a debt thats fine but I need to know what I'm being charged for.
Consumer complaint received 2024-04-24
Product: Credit 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. (AZ)

I received an email and text message on XX/XX/XXXX regarding a possible fraudulent charge on my Costco Anywhere Visa Card by Citi ending in XXXX. I quickly called the Citi fraud number to confirm that I did not recognize the {$97.00} charge to XXXX that the email and text had mentioned. The representative also mentioned a {$96.00} XXXX charge on the same day. I denied making that charge too. I confirmed other charges that I had made so it was decided to dispute only the XXXX XXXX charges, cancel that credit card and issue me a new one. 

The next day, XX/XX/XXXX, I receive an email/text regarding a {$97.00} XXXX charge on my newly issued credit card ending in XXXX. I called the fraud line again and the rep told me the charge XXXX have just been mistakenly applied to the new card. I confirmed I was disputing that charge. 

On XX/XX/XXXX I received another email/text noting the same charge and card number. I called the fraud line again and was told the only thing to be done was to dispute the charge, cancel the card and be issued yet another new card. I told the representative this charge would have to have been made before I even got the card and activated it. She apologized, but said that was all she could do. I was issued a new card. 

I now have the new card and all is fine with it, but there is still a {$96.00} XXXX charge on my card. I read the final resolution letter online and all it said was that Citi was confirming that I no longer disputed the charge. So I called the fraud line yet again to say there was still a charge on my card that I have been continually disputing from the beginning. On XX/XX/XXXX, I got my last email from Citi stating that they received additional information and reopened the fraud dispute. It is now XX/XX/XXXX and I have heard nothing and see no indication on my account that anything is being looked into. This should not be taking this long.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

To whom it may concern this is to get the attention of LexisNexis Risk solutions as our conversation today XX/XX/2024, at XXXX XXXX. In regard to my personal information, I have come to a conclusion that the information you have on files including all data must be deleted immediately, LexisNexis Doesn't have any Authorization from the consumer in order to trunk any personal information, neither to sell or share the information with Health insurance companies, Auto insurance companies, Federal and State agencies Law enforcement, Without the Consumers consent. I am here to say That this is a Criminal Penalty. Any officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established thereunder, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 1 ). Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 2 ). Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ) Wish you have violated by sharing an selling this information, if LexisNexis Risk solutions Can not provide the consumer hard concrete evidence of a contract wet signature His information must be deleted as soon as possible And provide the consumer civil liability for the damages of releasing his information without his consent. I the consumer have this right call the Privacy Act, Section 1798.105 Right to deletion.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

In accordance with the fair Credit areporting act Transworld System INCXXXX Account # XXXX has voilated my rights. This company is unknow to me and i was not contacted at anytime to disagree with the charges. 

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 ststes a consumer reportung agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-17
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Consumer complaint received 2016-04-17
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Cohn, Goldberg & Deutsch,LLC (MD)

XXXX XXXX Sheriff Dept delivered foreclosure proceeding for a lost note on XXXX/XXXX/XXXX. The law office handling the case also sent a notice to all tenants on XXXX/XXXX/XXXX pertaining to foreclosure actions which is another case. No resolution or settlement was met pertaining to actions to take place at any time after XXXX XXXX, XXXX pertaining to alleged lost note affidavit filed in Circuit Court as recorded on XXXX XXXX, XXXX. The reverse mortgage originated in the amount of {$300000.00} is a credit line that was not advanced and/or any portion thereof at any time between XXXX and XXXX as alleged.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I notified US Bank 's fraudulent department that a non-authorized, fraudulent draft check in the amount of {$990.00} was paid to the order of QB Accounting Services from our account. This is not a known repeat vendor of our company nor was it eve authorized for payment. 

After repeated calls to the US Bank asking when investigation would be completed and funds returned I have been told they will contact us whenever they finish their investigation. I understand this issues should be resolved within 45 days of reporting. US Bank has not contacted me in writing confirming my filing this claim with thier fraud department nor have they outlined steps that will be taken in the resoluton of this and by when. 

This money has been deducted from the account since XX/XX/XXXX. I previously reported this to their fraudulent department on XX/XX/XXXX but they claim they have no record of my phone call. On XX/XX/XXXX I personally wentt to the bank and filed an Affidavit of XXXX XXXX XXXX and stil have not received any communication from the bank. XXXX claim ID # XXXX
Consumer complaint received 2016-02-18
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (GA)

My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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.