davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

I have been having an issue with Citi bank since XXXX of 2020 until currently now. I have downloaded an app on my phone that allowed me to play games and they had my card information. I had unauthorized payments that was constantly trying to get deducted from my accounts that created negative amounts in my account. Ive spoken to over 20 representatives to get try to figure out my situation. Every time those negative balances was input citi bank did not do what I requested as far as to put a hold and freeze to my account to not allow anymore unauthorized transactions to create negatives in my account. Instead they wait until to my deposit to enter my account and take half my money. Ive complained and nicely asked if I can get my funds back for the mishappenings they couldnt stop. I was deposited of XXXX of my stimulus check and they deducted approximately {$400.00} out of my account and blamed it on the overdrafts that were owned instead of opening a new account for me to save my money from being deducted with the unauthorized over drafts. They said they have been doing investigation for 10 days every time I would call the same 10 days is processing after a few days has passed! Recently a new situation had occurred again with my job and HR had tracked my deposit and told me I was paid and citi bank lied and said they credited me my full amount after Ive recently called about half of my XXXX was only given. Once I called and was confused on that matter they blamed my job for holding on the run rest of the amount. Now its a new story stating they created and Ive been watching their false changes make on my statements as soon as I put in message about it. Making it look like I received my funds and havent. My statements show that what we funds I had available I would send to my XXXX account to prevent from citi bank making any more mistakes on taking my money with their overdraft methods. Im absolutely upset with this bank and I believe their taking my money on purpose. They owe approximately {$700.00} for the mistakes they couldnt fix. Im currently on the phone with a representative and still waiting 45 minutes on the phone. No help just highly rude and dismissing their customers.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

On or about XX/XX/2020 I called in to Experian to remove a freeze from my report. In the process of taking that action I became aware that Experian had allowed fraudulent activity by way of allowing a fraudulent membership account to be open. 

It started with the gentleman that I was speaking with about a freeze on my credit file informing me I had an account. I realized I couldve opened a free account at some point in the past but I no longer had the login credentials. So he did the verification questions with me ( and honestly they were pretty lame questions ) and then sent me a user ID. 

This User ID was not something I wouldve ever used. That user ID was XXXX - Sothat then prompted me to call in to Experian again. I escalated call to a supervisor who was completely un-sympathetic and stated that since they were able to pass the verification questions they were able to open an account. EVEN THOUGHtheir first clue shouldve been that the name was over 30 years old. The person opened it under my former married name of XXXX XXXX. The only remedy they would offer me was to close the account and put a fraud alert on my files. It does not matter to them that they allowed someone access to my credit file. They also show absolutely no concern whatsoever and insist that is my only remedy. 

Just to be sure I called back today - XX/XX/2020 - and thought perhaps it was just that person that I talked to previously who just didnt want to help. Today I first spoke to XXXX  who was front line member support. She was cooperative in getting me through to a supervisor. The supervisors name is XXXX or XXXX ( not sure of spelling ) who is a Supervisor for Member Services ( that is the only designating factor to identify her that she would give ). XXXX stated the same thing. There is no remedy and had same attitude of we dont care that we compromised your data and was also completely apathetic when I mentioned their first clue shouldve been the name. She said something to the effect that the name was on my report ( again notwithstanding that it was my former married name - again from over 30 years ago ) and so because the name was on the file they didnt question it. 

She also insisted that she is the highest level of escalation available. I dont buy that but shes being an obstinate and uncaring gate-keeper. 

P.S. I am sending in identifying information so that I can now have an account open in my name, which hopefully will prevent future issues.
Consumer complaint received 2022-06-23
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. (CA)

I mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (WI)

I received a credit card in the mail from Chase Sapphire Preferred that I did not apply for. I contacted the company, and they cancelled the card, but I would also like to make sure they remove the XX/XX/21 JPMCB credit inquiry on my credit report and safeguard my identity.
Consumer complaint received 2020-12-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Rushmore Loan Management never billed me for my mortgage payment. Rushmore became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
Rushmore Loan Management never entered their name in the foreclosure case ( XXXX City Circuit Court case # XXXX ) Rushmore never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from Rushmore because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After HUD investigated, Rushmore sold the mortgage servicing to XXXX XXXX. Rushmore gave XXXX XXXX a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to Rushmore and now the fraud continues. 
XXXX XXXX is returning my mortgage payments because of fraudulent documentation received from Rushmore. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.
Consumer complaint received 2021-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (FL)

THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

XXXX sent me defective merchandise and authorized the return, but refuses to give me the return info until I cancel the dispute with the credit card company. Once they get the return and accept it, I will gladly cancel the dispute. 

I think its against federal law to blackmail to cancel a dispute to honor a return that they already authorizzed.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX -XXXX XXXX SVC XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX CARD XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX BANK NA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX -XXXX XXXX NA Bank XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -US XXXX XXXX XXXX XXXX XX/XX/XXXX 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.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA Violation. XXXX/XXXX  XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 < -- -- XXXX ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Called CapitalOne to downgrade/product change to the VentureOne credit card from my current Venture card ( annual fee {$95.00} ). When I asked to change the product to an annual fee free card, I was told that there no offers available to me but that they could POSSIBLY give me a fee waver next XXXX when the annual fee rolls around.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -US SM BUS ADMIN ODA 06/26/2020 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.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

Husband and i purchased our first bed for our new home on fXX/XX/2020 from mattress firm, sales associate XXXX XXXX. We laid on the queen size bed at the moment husband was pleased even though we argued over king vs queen. XXXX stated we were getting the black diamond mattress. Being it was the last bed left with adjustable base. My husband was happy with this bed. The bed fit him/us and suited his needs. So i went along with purchase. When the bed was delivered. It was not covered or protected in any plastic. It was placed and they left. This is not the same bed. It cant be. The bed seems smaller. His feet is hanging off. The mattress protector had shrunken after first wash. Waisted XXXX $ there on top of the XXXX. He should have known better if he brought the same quality bed. The expectations were not good. I have not slept a goods night since XX/XX/XXXX. Nothing but back pains. The mattress lumps up, my husband fell out of bed 2 times now. His side is way lower than my side. Bed is not the same as we laid on. The bed has edges on around it? Why did he sell us a dream. The delivery didnt feel right. Now when i called to ask about trading in bed. We are told to wait 3 weeks. To give bed a try. Pandemic started in XXXX so i wasnt able to make a warranty claim until after XX/XX/XXXX. Then they say wait 120 days before making a complaint. Well being it was the last bed and XXXX claim he gave us the best bed it was the floor model and now we cant exchange and i dont feel obligated paying XXXX for an uncomfortable bed. They have had 3 sales since our purchase. We want what we paid for. This was a sham ... .we just want them to pick up bed if we can not get the mattress n frame of choice. Not to be told lies about what to expect.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

On XXXX XXXX 2020, I applied for an extension on my mortagage loan with shell pointe website, I checked my credit a week ago and I find that shell pointe had sent negative information to credit bureau I contact the bank expecting an explanation like it was a mistake but instead they did nothing. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. 

The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. 

In reviewing the attached screenshot all will discover that is an outright XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin. 

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, XXXX, and Experian and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Experian XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-10-15
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: MOHELA (CT)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was at the gas station I try to use my chase bank card for gas. It was declined so I called the bank and the Bank told me your account will be close until further notice we already cancel your card. I never received any notice from them stating my account will be closed.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2022 I tried to access my paypal account. I wound up needing to enter a security code that was sent to my landline telephone via a voice recording that I used to sign in to the site. I then tried to use my paypal account for a purchase. I was asked to enter a security code which again was sent to my landline telephone. I tried to enter it but it was rejected. Subsequently my telephone number was also rejected by the site. At this point I contacted their customer service to try to straighten this out. I was basically told that paypal requires a mobile telephone to receive texts in order to use their service. I have been on XXXX for many years and have limited discretionary income. I do not have a cell phone and seriously do not need one. I find this requirement to have a cell phone a bit onerous and discriminatory. 
Paypal customer service offered twice to close my account of twenty years. Twenty years in which I have had no problems with my account until they made rules that exclude me from using their service.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC (UT)

I recieved a call from this company asking for a particular person. I then had to ask who they were with before they would tell me. I then had to ask where they were based out of and the representative got upset and was refusing to tell me until i said i had the right to ask these questions before giving any information out. At this point he said that he couldn't give me information as i didn't " verify '' i was who they wanted to speak with. I wasn't asking for a person 's information. I was asking for the companies information. He finally told me they are based out of south Carolina. I then asked for the address of the company and the phone number. At that point he said " what are you going to write me a letter? '' He also asked " who is this helping? '' He refused to give me an address and a phone number. He told me i could look it up online. At this point due to his refusal to answer valid questions before giving out any personal information i let him know I'd be disconnecting the call for refusing to answer my questions and assume they are a scam. I do record all of my calls to protect myself from shady practices, companies, and scams. I did also look up their address and found that it is the corner of an empty lot full of trees. I even did satellite view of the address. And to answer his question of who it is helping. It is helping the people who are scammed by fake companies pretending to be collections agencies. That is who this helps!