davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

I submitted a dispute with Macys XXXX in XX/XX/2022. I submitted all relevant documentation illustrating how a dress cut was not as described from XXXXs. It was returned with tracking. This is a charge of XXXX The vendor acknowledges receiving the dress back but disagrees with my claim about the slit in the dress. Notwithstanding they are in possession of the item and it is no longer in my possession so I can not be charged for it. 
Apart from this, MacyXXXX XXXX violated the FCRA and failed to conduct a proper, judicious and fair investigation into this matter. 
Almost three months later, without any paperwork nor basis for their actions they simply state that they closed the card and denied the investigation. 
I have a credit of over XXXX in overpayments and this is theft, violation of the FCRA, and retaliatory actions as I opened a dispute with valid reason and evidence. 
This company needs to return all of my monies including the XXXX charged to XXXX AS THEY ARE IN POSSESION OF THE MERCHANDISE AND CANT CHARGE ME FOR SOMETHING I AM NO LONGER IN POSSESION OF. 
They can say the slit on the dress isnt off like I said but it doesnt matter as they are in possesion of it and cant charge me for an item they are in possesion of. 
That is also theft and citibank/MACYS XXXX is part of a conspiracy to defraud me and deny my due process. 
I will sue them in small claims court for the monies stolen from my account and their prejudicial investigation that violates my rights as outlined in the FCRA
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addressesXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never worked here : XXXX XXXXXXXX XXXX I never authorized these inquires : 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
Consumer complaint received 2022-08-23
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: TD BANK US HOLDING COMPANY (AR)

Earlier in the year I divorced from my ex-wife. As part of the divorce she wanted to keep the XXXX and it is financed through TD Auto Finance in my name. In an attempt to provide the company with her banking information, they deleted the auto pay information which I had setup at the beginning of the loan and never missed a payment. Over a month later as I was reviewing my account for an unrelated issue, I realize I now owe what is about to be two payments. I called and asked what was going on and they blamed me saying I was the one that canceled the auto pay. Why would anyone cancel their own auto pay and then just not pay it for a month and a half causing them to miss their first payment on any account in almost two decades and in the process ruin their credit? They refused to fix it so i made both payments that day and brought the account current. They turned me over to the bureaus as delinquent anyway. I filed a dispute and it came back a few days later indicating no change would be made.
Consumer complaint received 2022-04-25
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. (MS)

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX  XXXX XXXX XXXXccount number : 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 a account without my written instructions
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Care credit closed my XXXX  limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores. I am disappointed in the way Care Credit handled the situation.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc. (SC)

On or before XX/XX/2021, I went to XXXX XXXX XXXX  in XXXX, SC to work out for the last time before I departed for college in XXXX, SC. Since XXXX is XXXX hours from XXXX, I stopped at the membership counter on the way out and spoke to the XXXX 's employee. I explained that I needed to cancel my membership, and after the employee looked up my membership information, the employee told me that my membership " was taken care of ''. Now XXXX 's is claiming I owe {$910.00}!!! This is a very fishy tactic and I suspect they have done the same to many other people, especially since they closed the XXXX location in the last year. Please help me and others that XXXX 's may be treating unfairly.
Consumer complaint received 2020-02-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (GA)

My mother and I have received numerous phone calls from Lincoln automotive services on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The calls are related to my past due amount on my car note. I recently lost my job about 3 months ago and I explained that to the debt collector and that I can only make payments as I can. My auto payment is XXXX per month and I advised the debt collector that I can not make that payment since I lost my job. They still continue to threaten me with repossession and they advised me that I should ask my church for donations or ask a friend for help. I am a mother of XXXX children and I do not ask for handouts. I am trying my hardest to secure another job so I can catch up on my payments. However, these constant phone calls are making me very stressed and the lack of understanding for my situation from the organization is harassment. I feel like something should be done about this.
Consumer complaint received 2020-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

I identified a fraudulent credit inquiry on my XXXX  report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as ACE CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 CUSTOMER XXXX via XXXXACE  CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. XXXX  will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust Bank has violated the Truth and Lending Act 15 U.S. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my XXXX  consumer report which is hurting my chances to get approve for credit. I have not received any letters from Suntrust Bank regarding late payments nor repossessing. This is reported in error.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The two accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax, the CFPB can not locate or contact the company ( DEPT. OF HUMAN SERVI ) that Equifax furnished to my consumer report fraudulently. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NJ)

Last week my Comenity XXXX XXXX card stopped working ( all transactions declined ) with no notification of any kind from the company. I tried logging into my account online and it said username/password were incorrect ( they were not ). I then tried to use the " forgot username or password '' link, entered my card #, zip, and last 4-digits of social and was told there were no accounts that matched that information.

So my account was either locked or closed without my knowledge, and I can not contact Comenity Bank via email, phone, or even social media. I want to officially close my account but I can't contact anyone at Comenity to do so.
Consumer complaint received 2020-03-24
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. (TX)

The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Made an account with Citibank a week ago. Deposited 4 checks from XXXX for dividend payment which were confirmed to be legitimate by XXXX  themselves. Citibank will not even attempt to verify and simply closed my account and say my funds with be held for 30-60 days.
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

During XX/XX/XXXX weekend, I have made {$30.00} purchase at XXXX Store using XXXX credit card ( # XXXX ). I have online XXXX 's credit card payment account with Email payment due advice. I have never got XXXX credit card paper statement by mail for 4 months or payment due advice by my valid email address by XXXX XXXX Credit card company. I understand that I should have checked my online account for payment due. It was my oversight mistake. During XX/XX/XXXX Month I got my XXXX credit card statement.Also, I have noticed my credit score reported drop my credit score from XXXX to XXXX for delinquent payment.In my entire life time, I was never delinquent on my any payment that i can prove with excellent credit score. 

So in XX/XX/XXXX month, I contacted XXXX 's credit card customer service to make a payment and settle this matter. XXXX XXXX credit card customer service person agreed to waive all {$39.00} late fees charged and make a bank debit of {$38.00} to my bank account as a payment paid in full on XX/XX/XXXX. I thought this matter was settled. However, XXXX 's credit card company still sending me payment due notice {$37.00} late fee with {$2.00} interest charge for each month for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXand reporting my delinquent payment to credit bureau and ruining my credit history. 

I appreciate your help in this matter causing me a lot of stress. Thanks.
Consumer complaint received 2022-04-09
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)

n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept of 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, 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 a account without my written instructions
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NV)

I applied for a chase business card credit card on the XX/XX/XXXX, I was informed by chase the card was approved! upon the arrival of the card I was informed that chase dose an auto review of all new accounts opened and that it would take 1-10 business days for an usage of the card. I explained to chase reps that I was excited that I could get an emergency flight to see my sick grandmother. After giving chase the allowed time just to review my account as previously stated chase to see if they completed the review so I could book my flight I was inform the account had been closed due to a previous account that was deem fraud in their internal system already also the card has another name tied to it as well.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a 24 month interest promotional account with Macys. After paying over the minimum balance for months I realize that the promotional amount is not being reduced. I found out that I have to call customer service every month and tell how much should go to the promotional balance. It seem to work until XXXX of XXXX. I call two or three times in a month but the amount has not reduced. Customer Service states that is take 2 to 3 statements to reduce the amount. From XXXX to XX/XX/XXXX the amount has not change. Here is my real issue. The payoff is suppose to be XX/XX/XXXX. If I made the payment on XX/XX/XXXX and Macy 's credits my account in two to three months I will have to pay about {$1500.00} interest. 
I asked May 's Customer Service for a number or address to file a compliant and was told that they don't have a complaint department. Two other customer service people have me two different addresses. 
The can't be fair
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (GA)

On XXXX, XXXX  XXXX to notify them that once again the insurance was filed wrong, and not with all the insurance that I have, I provide XXXX  XXXX associates the correct information to refile with insurance companies, The person name XXXX XXXX stated that she would take care of it, On XXXX Americollect put bill on my credit report stating that bill was not paid, I explained to them that it was filed with wrong insurance company to process the remaining balance, the bill amount was XXXX, XXXX XXXX paid XXXX plus XXXX, the other insurance was listed as not paid, when I reached out to Americollect collections I talked with XXXX, she stated that bill was showing pending due to insurance, I then asked if it was showing pending why did they put on credit report, she stated for non payment I stated to her that, that was not true that I first insurance paid XXXX and XXXX, and that they failed to file with other insurance company, and that this should be removed until resolved, I called the insurance company they stated that the bill was not ever filed with XXXX, I called back and spoke with XXXX on XXXX, and asked what do i need to do to get resolved not answer was given.
Consumer complaint received 2022-08-09
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)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible 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
Consumer complaint received 2020-03-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC (VA)

I have been working with a XXXX XXXX a loan originator, they had secured a 30 Year Interest only loan for my home. I was refinancing a 1st and HELOC into one loan. Stearns accepted my mortgage application however, they decided not to honor the loan stating COVID-19 as a reason. I have been with XXXX  as the go between, I was advised on several occasions the loan was set for closing, the last date for closing was set for XXXX XXXX that got postponed due to additional documentation requested, the documentation was provided and I had been waiting for another closing date. As of XXXX XXXX I was told by XXXX that Stearns was no longer returning their phone calls. It has been 3 months gathering documentation anticipating closing. If they did not want the loan they should have stated so and I could have sought a loan with another lender. This has been a long and tedious process. I would like for Stearns to honor their offer and close my loan. This loan would allow me to save quit a bit monthly which I was going to use the savings to support my daughter 's college education. This loan would have also increased my ability to secure other financing as a XXXX XXXX owner. My business supports the community, that's what banks are supposed to do give back to community, support business and individual. My loan was in the pipeline to close they should not have reneged on their commitment. Thank you
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

My Discover Card was charged with purchases I did not make. I contacted Discover and they initially gave me a credit. I asked them to close the account and they said I didn't have to close the account due to the fraud, that they would handle it. All purchases were reported and they assured me they will take care of it. They issued a replacement account and then put all of those fraudulent charges on the replacement account. I tried to dispute again but they didn't take care of it. I ended up paying a total of {$1100.00} between the fraud and the interest.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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


15 U.S.C 1681 Section 602 A. states I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.