davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
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. (NC)

I contacted my local federal courts regarding the Chapter XXXX and they told me they do not verify anything to any third party entities. Experian has failed to send me any written tangible evidence that they legally verified the bankruptcy.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

a merchant took me to wholesale warehouse ( not their store XXXX to choose granite counter top. i bought XXXX pieces granite counter top ( tag and taged XXXX pieces a date i was choose XXXX/XXXX/2015 ) but they delivery wrong granite XXXX different tag on granite ), total XXXX, they said if i want good price i must pay all cash -they dont pay sale tax-, i want pay full amount by credit card XXXX my credit line over XXXX $ XXXX, they said give them all cash i have and the rest by credit card if i want a good price, i trust them, make sure before i leaving i ask them a price included demolish my old counter top and rehook up plumbing and cook top, garbage disposal, they told me : yes. XXXX/XXXX/2015 XXXX men came to my house install granite, they delay and told my wife ( im at work XXXX they will came back tomorrow because they dont have time to work, and XXXX they came back i find down it 's wrong granite XXXX different tag ) i called merchant but they act like they dont hear me, i try to contact them so many times, call and text but no response, they pick up few times but act like dont hear me and XXXX intaller run away after they 're leaving after mess up my fench, my door, and not rehook up plumbing, breaking my granite ( they put a faucet on it, try to cover a breaking hole ). i called citibank to dispute right away on XXXX/XXXX/2015. Citi does n't carefully saw all documents i sent. they send me a letter said they closed my case because merchant send citi signed charge receipt ( the only my signature on sale transaction slip, and the merchant falsify and fraudulent everything they send to citi bank, THEY LIED THEY CALL ME but i have phone show they never call me, even they not reponse me, and a letter from BCS warehouse they wrote a sales rep tag and tagged a date i choose and pick out XXXX but why a granite at my home show different date and different sales rep ) i response to citi 2 times after citi send me a letter said they closed my case, and i call customer service so many times they lied me my case still working on it ... now they said they cant do anything maybe i must go to outside legal ...
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (SC)

The mortgage company increased my payment by over {$600.00} a month They said it was because of escrows I have emails that I am at a 4 % ratio which is XXXX XXXX XXXXXXXX they will not respond all they do is tell me to mail a letter which I have done
Consumer complaint received 2022-10-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose.

Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

XXXXXXXX XXXX XXXXXXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
2.Nissan Motors Acceptance , opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
3. hard inquires by unauthorized Individuals 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
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

XXXX MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX RE : XXXX account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2022-02-23
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. (CA)

I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EQUIFAX was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Sale of account — 
Company: U.S. BANCORP (DC)

I had a credit card with one bank and they sold it to another bank. I did not get notice of the sale. When I went online to see if I owed money to the credit card the following month, the site said my account was no longer open. I did n't know why my account was n't open, but I did n't have time to deal with it as other life emergencies were taking precedence. Later, I received a letter from the new owner of my account saying that it was past due. I called the number on the letter and found out that my account was sold but still exists. I paid the account in full. However, because I was not notified of the sale and was told my account was closed when I tried to go pay it initially, my payment was 41 days late. Now I have a 30 day late payment on my credit report. I asked the new bank to remove it given the circumstances and they said they can not. They said that the only way for this to be resolved is for me to file a dispute with every credit reporting agency that notes the late payment. I know that that is n't true. I know that this is a small injustice compared to what you deal with on a regular basis, but it has an impact. If the agencies do n't all remove the late payment or do so in time ( I am about to apply for a mortgage ), my rate will be higher on the biggest loan I take in my lifetime. Also, there is a high degree if privilege in the notion that everyone has the time to wait and request reports and write letters and follow up on letters and go through the whole intentionally-difficult process. For people who are just barely keeping their head above water, due to their health or life emergencies ( which applies to me right now ), things like this slip through the cracks. I would close this account but for the fact that it is my oldest account and closing it would negatively impact my credit score. I try to do every responsible thing and it does n't matter. Now if I do n't spend my time writing letters to credit reporting agencies, rather that attending to very critical things in my life, I will be harmed financially. This system does n't work. The bank should have corrected it. I know that they can.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citigold checking account with Citibank when I saw a promotion offering XXXX of their rewards points upon opening the account and making two bill payments. After opening this account, I transferred some earnings from my personal business to this account and made the bill payments. I inquired with the Citibank support representatives as to when I should receive the rewards points, and was told that I should receive it 6-8 weeks after the closing of the following statements. 

I waited that time and still did not receive the rewards points. During this time I was hesitant to increase my reliance on Citi for my financial transactions due to their handling of this situation, and reverted to using my XXXX checking account for deposits and payments. I was told by a Citi representative that I could rest assured that I had fulfilled the requirements of the promotion. I did not receive news from Citi for months, and when checking the account again saw that they had charged me several hundred dollars in fees! My account had gone from having a balance to overdrafted by at least {$200.00}. This all happened without receiving a single statement in the mail or any news saying my checking account was overdrafted. I called immediately to protest the charges, and a representative reversed them. I again asked about the promotional points, and they said they would launch an investigation. That investigation ended with them saying something along the lines of " the promotion you used was invalid. '' Worse yet, when I tried to transfer the remaining balance to pay off a Citi credit card, their site would just return to the main account page with no explanation. When I called Citi support, I was told that my account had been SOLD to XXXX XXXX XXXX!! All without me knowing!! Now I have around {$150.00} " lost '' either with Citi and XXXX XXXX XXXX. They said they would transfer me to XXXX XXXX XXXX, but all the did was connect me to a voice automated line instead of directly to a XXXX XXXX XXXX representative who could assist me ( unlike what XXXX would do ). I went through the automated self-help line and entered my social to find my account, but it said it could find no account under that number. 

The end result of me responding to Citi 's promotional offer is being scammed out of the promotion, being charged fees, potentially being sent to collections because I was given no notification of an overdrafted account, and my account being sold without my consent or knowledge with no way to access that account!!
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

Citibank refuses to put the correct XXXX number on my bill every month. This month after spending a half a day trying to pay my payment, I found out that XXXX XXXX did not credit my payment of {$32.00} and now I have received a past due bill when I made the payment over the phone with XXXX. Citibank needs to be fined the maximum allowable by XXXX law for their lack of customer service and their refusal to spend the money to properly credit bills and install an automated system so payments are credited when paid and I do n't have to waste more time than it worth every month.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MN)

XXXX credit card companies have refused to take a payment telling me they would call me back in XXXX to XXXX business days. I asked them why they could not take a payment she said, '' she was not authorized to take any money ''. I believe they are letting it go further so they can sell the debt to an Attorney or write it off. I never in my life have had any one tell me I could not pay a debt! One credit card company is total XXXX the other one is XXXX XXXX XXXX. They post payments late are they do not accurately keep tabs on your payments so you are going to accrue late fees and over limit fees I don't know how this can be legal and why they are not policed better. Please check into this and stick up for the hard-working blue-collar people who try to make their payments on time and get screwed over by credit companies that aren't regulated well. Thank you very much, XXXX
Consumer complaint received 2022-02-23
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. (CA)

There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to Equifax, XXXX XXXX  XXXX to no avail.
Consumer complaint received 2022-02-23
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. (GA)

Dear Consumer Financial Protection Bureau : In reference to the original CFPB # XXXX XX/XX/XXXX is when I initially contacted you about Equifax and it's business practices and the lack there of. They recently sent me a letter in the mail and have failed to block per my request the items on my credit report due to fraud and have asked me referencing 605B of the Fair Credit Reporting Act also asking me to provide a copy of my competed Identity Theft Report, with the Federal Trade Commission Affidavit or a Police Report. I have sent this each and every time and Equifax has failed to block the erroneous information, the same documents they are requesting have been attached to my complaint each time FTC report number XXXX and XXXX Police Report # XXXX Equifax is simply matching my name and an address and not providing any documents they have received. They are merely using the an electronic system. 

I have attached the letter I received in the mail dated XX/XX/XXXX that advises me of their lack to follow credit reporting procedures accurately. I have also attached to you again the FTC report, the XXXX Police report for the XXXX time which they seem to be ignoring. It seems more of a stall tactic because they are paid by companies to hold negative and positive information. I have sent to Equifax my Drivers License, FTC report and XXXX Police report several times. Original FTC report from XXXX attached as well. 

I demand that they promptly follow the proper reporting procedures immediately and delete the items that was involved in my identity theft case. 

All documents are attached again.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (FL)

On XX/XX/XXXX, I mailed out my FTC identity theft report to Credit Control and notified this company that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked Credit Control to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that Credit Control are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax XXXX  XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I placed an order for {$310.00} with XXXX XXXX. They posted double that amount for authorization. An additional {$310.00} worth of my funds were held that I could not have access to. 

When I called the bank they refused to get on a conference call with the manager at XXXX and I to resolve this, and the manager at XXXX refused to admit that they had requested double authorizations. 

They both said the amounts would " fall off '' in a couple of days. When I told both US Bank and XXXX that I had checks that might be coming through they both said they would do nothing to help. US Bank said they would charge me insufficient funds fees if anything bounced as a result of this mistake. 

I spoke a supervisor named XXXX. He acknowledged that XXXX authorizations were incorrectly applied, but because of US Bank 's policies, he could not help. He also said that if I was charged NSF fees it would " at the bank 's discretion '' as to whether or not they would reverse those fees due to a merchant error.
Consumer complaint received 2022-11-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Vengroff Williams, Inc (MI)

Vengroff Collections has violated my Federally Protected Rights under the FDCPA.. Vengroff is attempting to collect an alleged debt that aroused out of family, personal and household use. Vengroff contacted me ( via mail ) and without my prior consent violating 15 USC 1692c. Vengroff used deceptive means to collect on a alleged debt stating they are collecting on behalf of XXXX XXXX is very misleading being that Vengroff is a debt buyer. You now on Notice to Cease and Desist..
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (KY)

I opened up an account a few years ago with U.S. Bank with my then husband XXXX XXXX. After separating, we both went to a local branch to sign myself off all accounts. We sat with a personal banker as I signed my name to be legally taken off all accounts. I found out months later, that an account was hitting my credit, and it was with U.S. Bank. My now ex-husband XXXX XXXX XXXX took out a credit line with U.S. Bank that still had my name and social security number attached. I have no idea what the money was spent on, and he is not paying off the balance as agreed upon. U.S. Bank lied to me about being taken off, and closing all accounts that were associated with me.