davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MA)

I did a Balance Transfer, was charged a fee, to receive a zero percent APR on that balance transfer. 
I continued making purchases on that card but always made on time payments in excess of purchases to take down that balance transfer. 
As per the credit card agreement, for purchases I am supposed to receive a 24 to 30 day grace on interest on purchases. The way the credit card allocated the payments, they would allocate my payments against my balance transfer so that I wouldn't pay my purchases for the month in full, and as such allowed the credit card company to continue charging me interest. My understanding is that payments should be made against the higher rate balances first, which would be my monthly purchases, and then apply any additional payment against the 0 % balance transfer. When that wasn't being done, I asked the credit card company to explain how my payments was being allocated and so I can avoid the interest. They would not furnish this information to me on my request. As a result, I have been assessed hundreds of dollars in interest charges over the 0 % APR promotional period. I think the bank is not acting in good faith and given they wouldn't disclose how my payments were being allocated, that is a deceptive tactic. I should be compensated for the interest charges I have been assessed.
Consumer complaint received 2022-04-14
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)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigatin g. Citi Bank to ld me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant  XXXX   XXXX   XXXX  charged me {$5000.00} on  XXXX / XXXX /  XXXX   and they contacted me by phone and told me their services were necessary for my online business make money, and it would bring traffic to my website. They promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote rcspromotions website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.
Consumer complaint received 2022-04-14
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. (GA)

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX SXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (FL)

After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, XXXX, and Equifax permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I reached out to Equifax via phone about excessive amount of unauthorized/Fraudulent inquiries on my report. Numerous rep refuse to dispute and or remove the inquiries. I 've sent in certified letters disputing the unauthorized inquiries and they refuse to remove them. I finally went online after finally having access to online disputes and I disputed these inquiries and as of yet Equifax is refusing to remove the fraudulent/unauthorized information from my credit report
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. ()

On XX/XX/XXXX, PNC Bank informed me that my Standard Checking account was being marked Inactive and will likely be closed. 

This is despite the fact that _every_ month for over 10 years I have deposits and withdraws into and out of this account. That includes every month leading up to this notice. 

I called customer service and they informed me that the type of deposit and withdraws I was making werent considered activity even though their values vary, the deposits are manually executed and vary by day, etc. While they agreed to temporary mark my account active again, their said their automated checks will simply mark it inactive again until he future unless I start transacting in different ways, e.g. making ATM withdraws. 

I travel a lot and am currently stuck abroad due to the COVID-19 pandemic. I dont have a debit card and have no desire or ability to make ATM withdraws. This is a bizarre definition of inactive and I will likely see my account closed despite regular activity, meeting of the minimum balance requirements, and being a reliable customer since I was a student.
Consumer complaint received 2022-04-14
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. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

We made a payment to payoff our credit card after obtaining a mortgage on our home. We called the credit card company several times in an effort to find out if they received the check as it was not cashed. We were told, after waiting for over an hour on 2 occasions, that we sent it to the wrong address, which we advised them was the address on their website. Finally, we were advised that they had received the check, however, there is a credit of over {$500.00} which we were requesting be returned to us by check. However, after calling again at XXXX on a Thursday afternoon and holding on for almost another hour, I was advised by the call center that they were closed and to call back another time. 
Additionally, we received a letter that as the payment was late, this would affect my credit in a negative way. There is no way to speak to anyone and I thereafter wrote a letter to the credit card company. I also went to Citibank to try to get this taken care of, only to be advised that they could not help me. We were also charged a late fee, which I would like returned as they held our check for almost one month before our check was cashed.XXXX To date, some three weeks later, I am submitting this complaint.
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

On or around XX/XX/XXXX I purchased a vehicle through westlake financial services. According to usc 1605k determination of finance charge include sum of all charges. This company violated the FDCPA and truth in lending act and I will like this obligation to be paid in full due to the fraud of this contract. The right to rescind was not included in the contract which by law states every dealership must follow and operate through truth in lending laws which they did not
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I was encouraged to utilize forbearance and not told about income based payments in 2008. 2 years of my previous payments ( paid out from XX/XX/XXXX-XX/XX/XXXX ) were " eaten up '' after this choice for interest that I was not told would be accruing. 

Two years ago after my payments reached over {$300.00} a month, I inquired about reducing my monthly payments. XXXX gave me a reduction by half, however now I am fearful that my interest is building even greater. I was told that this would not occur, that they were reducing my payments as I had a good record of payments in the past.
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has been harassing myself and my family since 2016. They have called my parents multiple times a day, everyday, even though they have repeatedly told them I do not live at that residence. For the last couple years the phone calls have been nothing but auto dialed calls with no one on the other line to speak to just a beeping noise like a fax machine with an obvious intent to harass and annoy while causing extreme embarrassment, stress and anxiety on myself, while irritating, annoying and angering my family. The debt is now time barred and the judgment they tried to bring against me was dropped. There is NO reason for anymore communication between myself, my family and Portfolio but they have been relentless in there illegal and frivolous efforts to harass, bully, coerce and mentally abuse me into giving in to there demands.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (SC)

In XXXX of XXXX, I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged a monthly service fee of {$30.00}. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 've done google searches and found forums full of people or are recently having this same problem with citibank. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. I have documenation through a secure message where citibank told me I had met all qualifications for the offer and would recieve the points by XXXX XXXX. Here is a copy/paste of the secure message : " From : XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : XXXX : Promotional Offer Reference : XXXX Dear XXXX XXXX, Thank you for choosing Citigold. We appreciate your business and the opportunity to serve you. My name is XXXX and I am pleased to assist with your message regarding the promotional offer for your checking account ending in XXXX. 

After reviewing your account, I found that you have completed the offer requirements for the XXXX ThankYou Points. 
As stated in the offer terms and conditions, the bonus ThankYou Points will be credited to your existing ThankYou Member Account after 90 days from the end of the statement cycle in which you completed all of the offer requirements. Please expect to see the credit on XXXX/XXXX/XXXX. ''
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2020-04-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MD)

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (KY)

I had XXXX XXXX XXXX and I had in writing that I would be charge one price and then for several months it was this other amount and XXXX  I didn't like that and I did not sign a contract I canceled out. And then I went right down to XXXX XXXX  and returned the equipment. Now they say I owe this amount. No I don't I paid everything I was suppose to pay and returned all the equipment. I have been fighting this for years and years and it's getting old
Consumer complaint received 2022-04-14
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. (TX)

I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing mental anguish. I am going to sue EQUIFAX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (TX)

to whom this may concern, 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. 

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 XXXXXXXX XXXX U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. Then to top it off they waited until i paid all but XXXX off to a 0 balance. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards. Per reps they stated they felt I was high risk Jcpenny XXXX balance credit limit XXXX Old navy XXXX balance XXXX limit Belk XXXX balance XXXX limit Sams club XXXX balance XXXX credit limit Rooms 2 go XXXX balance XXXX credit limit Carcare XXXX balance XXXX credit limit Care credit XXXX balance XXXX credit limit Chervon XXXX balance XXXX limit So out of XXXX in limits in which the company gave me I only had balances on XXXX cards totalling XXXX and I'm a high risk. I never called during covid for payment arrangements or anything and you close my accounts now.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}