davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I have a " Costco Anywhere Visa Card by Citi ''. The card is advertised as being " cash back ''. However, the they do not provide " cash ''. Apparently they send a Costco voucher per their customer service department. I say apparently as they only send this voucher one time per year, in arrears, of course. This Costco voucher can only be redeemed at Costco while cash can obviously be used in many other ways.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to experian and they deleted some inquiries but not all. They don't understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these fraudulent inquiries be removed please.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Radioshack/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being " frivolous ''.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (NJ)

I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I carried a balance on my credit card from XXXX month to the next. Then when I paid the card in full the following month by the due date my card statement showed that interest had accrued on my account. The company said it was the interest accrued between when the statement was printed and when my money was received.
Consumer complaint received 2019-02-19
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (FL)

Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! 
Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I  have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. 
As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. 
What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. 
Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.
Consumer complaint received 2020-12-08
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. (NJ)

I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.
Consumer complaint received 2016-02-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

I XXXX XXXX XXXX in sound mind legal attorney legal XXXX acc # at citibank route # and account with address XXXX XXXX XXXX XXXX and account with old address XXXX XXXX XXXX XXXX XXXX XXXX citi bank never placed my XXXX acount in my XXXX XXXX acount and never reseved my statement forward to me with a XXXX dollar shopping spree from XXXX
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account #, XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions this is not me once again however I keep getting these negative reports and it's hurting my credit
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 

XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX There are at least 3 additional data fields that are reporting inaccurately across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus. 
There is no notice of previous dispute. 
The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.
Consumer complaint received 2023-07-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2015-04-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (TX)

Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. XXXX and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality.

Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. 

Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information.

Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : Transunion XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 's reporting services.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00}.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a Victim of Identity Fraud. I reviewed a copy of my credit report and ( XXXX XXXX XXXX  XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact ( XXXX XXXX XXXX  XXXX and XXXX ) and investigate such occurrence.
Consumer complaint received 2022-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (GA)

XXXX of XXXX I purchased my XXXX XXXX XXXX model with credit and they charged me monthly for payments. I recognize that Ally Auto is a third party on this auto transaction due to the fact that I am the original creditor and only creditor. I have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (CA)

I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.
Consumer complaint received 2022-08-02
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: Santander Consumer USA Holdings Inc. (IL)

Santander/ Chrysler Capital There was a joint loan taken out XX/XX/XXXX. 

This is account is to old to remain on my credit. 

The account was up to be taken off my credit XX/XX/XXXX. 

I filled for a dispute 11 times and it keep getting denied.
Consumer complaint received 2021-04-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$350.00} XXXX In XXXX ) I never used a single day of these XXXX XXXX service due to the governmental orders to shut down all gyms and non essential businesses. 
I contacted bank of America in XXXX because XXXX  XXXX headquarters shut down their phone service due to covid and I tried to contact them exhaustedly until I gave up. But Bank of America Rep kept insisted on telling me to contact XXXX  XXXX  headquarter with the phone number of merchant showed on my statement under those charges. And that was the one that was not in service during the shutdown that those charges recurrence. 
I had to battle through my credit cards right till the Rep agreed on the facts that those charges were impossible to question further because it is " governmental orders to shut down '' unless XXXX XXXXXXXX was breaking the law trying to sneak their members inside during that periods which I theoretically suggested to Bank of America Rep. Luckily he came to his common sense and disputed my case and said he'll reversed all the charges and make sure no future charges from XXXX  XXXX. 
Boa statement of XX/XX/XXXX : Transaction date XX/XX/XXXX Posting date XX/XX/XXXX Boa/XXXX XXXX  return of -39.99 $ And that was the only single charges that i got back out of all the one listed above. 

And until last month XX/XX/XXXX, XXXX XXXX charges again 2 more for 39.99 $ and 29.99 $! 
I contacted BOA immediately while those Charges were still pending. I requested the Rep to look back in XXXX statement and record showing I did all required steps to solve this and it cant be charging me again randomly after a while. I still not get all my money back and now they can just go ahead and charge while you are my banker who supposed to protect me as a client but open the door again for the same guy that robbed me more than twice. She said '' they can change their name as a merchant and charge you again, they do that all the time every new year with their old customer profiles ''! 
I said then it don't matter to you if it was few hundred dollars or few million dollars according to what she just said. I was very disappointed and felt like i both got scammed by BOA and XXXX XXXXXXXX at the same time as a consumer. Plus I has been with BOA since XXXX. 
Please help! Thank you very much!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I was funneled into payment plans that did not include the ability to pay according to my income. Consequently, I defaulted because I could not pay the minimum due each month so eventually, when I was a specific amount overdue, I defaulted.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (IN)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to pay my bill in full. I was not in collections. My Bill was {$130.00} and that was withdrawn for my bank account via my debit card on XX/XX/XXXX. I was given a conformation number on XX/XX/XXXX after my debit card information with thruogh The girl handling the call refused to send a text to my phone, an email or a letter with the confirmation number stating I must write it down. So I wrote it down. On XX/XX/XXXX Capio reported a derogatory balance on all three credit bureaus, stating I own them {$60.00} dollars. I have NO CLUE WHERE THE EXTRA {$60.00} CAME FROM!!! This dropped my credit score by 47 points. I called them on XX/XX/XXXX and in the recorded phone call the girl said my bill was paid in full. When I asked why they would create a falsehood I was not given an answer. When I asked about the amount I was not given an answer. I was told it might be corrected in 30 days. So Capio knows that I am paid in full!!! Why is this OK for this business to create falsehoods on my credit report???? Why is this legal for this company to lie and drop my credit score for no reason, to actually lie about it and then take their sweet time to correct this? This will cost me a much higher interested rate damaging me financially or even resulting in a denial for a loan. How is this practice legal???
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My account had fraud detection Sunday XX/XX/XXXX and my account became locked. I've called everyday since then trying to resolve this matter and all I keep getting back is the account is being reviewed. I was initially told would take XXXX business days to get an update it has now been XXXX business days and nothing has been resolved. It's my main banking account with my funds all being in it. Causing me to be late on payments and not be able to pay for a roof over my head.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Durham & Durham, LLP (IN)

Durham & Durham XXXX at XXXX are attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc. (TX)

I have explicitly ask them ( RS Clark & Associates ) several times not to call my number and they continue to call after about a week hiatus. The last three times were XXXX/XXXX/16 at XXXX ; XXXX/XXXX/16, XXXX/XXXX/16. They continue to say they will but turn around and continue to harass my number with their calls. They have called before now and I have asked them not to call my number. They try to verify who I am although I refuse to give them any information as to who number they are calling. I do not know who they are and the fact they continue to harass calling my number every week or so is beyond relentless and tiresome.