davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Citi cards emailed me and stated that my credit limit was decreased because I have another Citi card that was not being paid. I contacted Citi because I do not have another Citi card that was not being paid and wanted to know what information was being relied upon. The representative informed me that he could not provide me a copy of the documentation that was referred to in the XX/XX/2020 email, but he can file a request for reconsideration. I also spoke with the fraud department at Citi. The fraud representative indicated that they did not have any record of me having another Citi account or any Citi balances that were not being paid or past due. 

I explained that my reason for the dispute was because I believe that Citi was engaging in a practice of predatory lending and was intentionally lowering my credit limit to adversely impact me. I pay five times the minimum payment due on the account and the account is current and scheduled to be paid off in less than a year. I have  checked with XXXX  and I do not have a Citi card reporting that is not being paid or slowly being paid. I called today to follow up on why this was done and was told by the representative that my limit was decreased because my credit cards were past due. I informed her that this information is not correct and my accounts were not past due. I checked my credit report again to confirm that the representations to me are not correct. She then states that I was sent a letter by mail ( even though I specifically enrolled in only electronic communications ) that states that my balance was lowered because I have other debts. I am not sure why this is any indication of my ability to pay this account. Actually there is no reasonable way to assume that I am struggling to pay this account or any other account because I pay significantly more than the minimum payment due and pay all my bills are current. The representative again stated that she could not provide me a copy of this letter or any documentation that is being relied upon. 

I wholeheartedly believe that this unilateral and arbitrary decision was made to adversely effect my credit. This changed my account from having {$1000.00} in available credit to only {$200.00} in available credit and updates my credit report to show that this card is maxed out. I have not been provided any proof that this action was taken for a legitimate reason despite numerous attempts to obtain documentation that shows there was a legitimate, non-predatory, or discriminatory reason for this action. 

I have not used this card since I first received it and there is no reason to believe that I am incapable of paying the card. Especially since it will be paid off during the promotion interest period.
Consumer complaint received 2022-08-05
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. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. XXXX XXXX5 U.S.C. 1681 section 602 A section XXXX : it also states a consumer reporting agency can not furnish an account without my consent.
Consumer complaint received 2020-09-22
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: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo Home Mortgage immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XXXX of XXXX to XXXX of XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XXXX of XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the Wells Fargo Representative sometime in XX/XX/XXXX/XX/XX/XXXXtimeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering.

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

Contracted with Lowes of XXXX NY to install a fence. A Lowes Credit Card account was opened in XXXX 2016 for the purpose of financing the project. As of XXXX XXXX, 2016 the fence and materials are still not installed and delivered. Lowes Credit is still charging me interest and requiring monthly payments on materials and service that they have not provided. I have made several attempts to resolve this issue with them to no avail.
Consumer complaint received 2020-12-06
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. (MI)

On XX/XX/20 I used my citi simplicity credit to withdrawl {$300.00} at the XXXX XXXX at XXXX XXXX XXXX. The casino was having problems with their computer systems and couldn't get the transaction to go through. They tried 4 times to withdrawal {$300.00}. The casino assured me that the transactions did not go through but when I checked my account there were 4 transactions of {$320.00} ( total {$1200.00} ). I contacted citicard immediately and let them know what happened. I have been bounced around to security and the dispute department several times. The credits from XXXX XXXX XXXX have shown up on my credit statement but Citi has charged me 4 more times than they have credited my account. Most of the time when I call there I can not understand the person very well due to the language barriers. Twice I have spoken with someone and they assured me that they see the same thing as I do on my account and they will send this to the dispute department to fix. It is now almost 6 months later and no resolve. I do get emails stating that I'm over my credit limit and need to pay them over {$1000.00}. I'm afraid this is going to hurt my credit but I'm also hesitant to fork over {$1000.00} at XXXX time for a mistake that they won't even contact me to resolve. I have also recently gone to my account on line and all of my statement between XXXX and XXXX are no longer available for me to see. I would appreciate any help that you can provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

This is my second complaint against US Bank regarding the same matter. They responded stating that deposits were made and that I didn't submit anything regarding the payments being fraudulent. However, I was give case # XXXX by the fraud department when I spoke with them on XXXX to clarify that the accounts were closed. At that time, my alimony had not been deposited and I was re-assured that it would get kicked back because my accounts were on holds. Yet, days later I found out that my account had been unfrozen to take my alimony payment and immediately following, the accounts were closed. 
As stated before, I started with the customer service department who referred me to the fraud department who referred me to the branch manager who couldnt take the time to speak to me but referred me to the recovery department who didn't have a clue why I was sent to them in the first place. For the last time, I did not write or deposit these fraudulent checks. I was scammed out of the money, but I did not have anything to do with the fraudulent checks.
Consumer complaint received 2020-09-22
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. (MA)

GOOD AFTERNOON XXXX  XXXX XXXX  XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-22
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)

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D2 Management LLC (NY)

XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.
Consumer complaint received 2017-12-19
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. (NJ)

I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.
Consumer complaint received 2021-11-28
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: STERLING JEWELERS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. Please delete the item as soon as possible.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

on XX/XX/2020 - I received a US Bank Reliacard for unemployment benefits in the mail. I still work and have never filed for unemployment benefits. I've reported this to XXXX  and to XXXX. I tried calling US Bank to no avail. I've also reported this to the Colorado Dept. of Labor and Employment, Unemployment Insurance division.
Consumer complaint received 2022-08-21
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. (PA)

n accordance with the Fair Credit Reporting act 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 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

In XXXX I received two notices that Flagstar Bank Mortgage needed a copy of my flood insurance renewal ( they took over servicing earlier in the year ). I sent a copy via their XXXX and subsequently faxed over a copy also. They claimed non-receipt due to fax and uploading problems so I repeated the process being assured by phone reps that would resolve the problem. On XXXX XXXX, I received a second and final notice about this insurance. I called the company again and was given a secret special fax number. I then reuploaded the insurance document of flood insurance from my HOA with my unit number posted clearly and also faxed it to the regular fax and special fax twice. I called again and was told it was not received again. I received a letter dated XX/XX/2020, that a l ender placed flood insurance for {$2000.00} had been charged to my account. I called Flagstar insurance division on XXXX XXXX, and spoke to XXXX for over an hour while she researched my account and " found '' the document. She reassured me, as had prior reps that it would be resolved in five business days. However,, it is never resolved and I never receive anything but form letters threatening or charging me {$2000.00} for lender placed insurance. I have now submitted the requested insurance information 13 times wihout avail. This appears unfair and either grossly negligent or fraudulent behavior.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

My mortgage company was sold to Mr.Cooper dba Nationstar Mtg. Mr.Cooper took almost sixty days to bring my account current, and this was only after I submitted a complaint to the CEO of Mr.Cooper Mr. XXXX XXXX. Because Mr.Cooper was harassing me for a payment that was made to my previous mortgage company that had submitted my last payment, tracking #, etc. all documented, I made an additional payment from savings to keep my account current, because I did not want negative impact to my credit when the sixty days transfer grace period expired. Mr.Cooper then reversed my extra payment, not allowing me to make an early payment, Mr. Cooper also took the monies I sent is as extra funds to be applied to my account 's principal balance and designated them as " unapplied funds. '' Next, Mr.Cooper decided to take those extra monies from me and label them as " fees '' with no explanation as to why the precise amount I sent in to be applied as extra principal had become " fees. '' Mr.Cooper is able to charge the customers as much interest as possible by applying payments made on time on later dates, thereby allowing interest to accrue in favor of Mr.Cooper. Mr.Cooper is not allowing customers to apply additional funds to the principal, and has stolen them from the customer, charging them as " fees. '' Mr.Cooper also has no problem harassing customers on a daily basis via email, phone calls and letters even though the customer has not missed a single payment, has not sent in a late payment, etc. When calls were made, Mr.Cooper employees mention " don't worry about this, it will be taken care of within the sixty days, '' yet Mr.Cooper continues to harass customers. I seriously suspect that Mr.Cooper is looking to gain from customers ' funds by not applying payments in a timely manner, and by taking fees from customers ' accounts. I have never had such a negative concept of any mortgage company.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I bought bit coin through Coinbase and was filled way outside of the bid and ask. The ask was at {$18000.00} and I was filled at {$19000.00}. {$670.00} over the ask. It is impossible to contact the company. I tried calling their phone number I have been on hold for over 2 hours and no answer. When I 'm on their website and click on the link to contact by email, it does n't go to an email ; it goes to a chat window controlled by a bot and you can never reach a human or anything other option. 

Time of execution was XXXX XXXX on XX/XX/XXXX. Reference code XXXX Bought Bitcoin XXXX BTC @ {$19000.00} per BTC Reference code XXXX Payment Method USD Wallet  Fee {$1.00} Subtotal {$160.00} Total {$160.00} XX/XX/XXXX XXXX XXXX Completed
Consumer complaint received 2021-08-11
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. (NV)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2020 I called JC penny to pay off the balance of {$71.00}. I notified them I lost my job due to COVID-19 and that I was waiting for my unemployment check to arrive. I told JCpenny the financial hardship and I couldnt afford to keep the account open. 
I recieved a letter from synchrony bank that is somehow affiliated with Jcpennys credit  system stating they just now closed my account as of XXXX XXXX because synchrony bank ran my credit and determined my credit wasnt worthy, had my credit score on the letter. I payed my balance off with jc penny and had no intention to use this card any longer on XX/XX/2020 due to covid. They ran my credit without permission.
Consumer complaint received 2020-09-22
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. (MA)

Good Morning! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.