davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Request for VALIDATION, NOT Verification XXXX XXXX XXXX RE : Account # XXXX AND XXXX XXXX Last reported XXXX XXXX, XXXX {$640.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXXXX  XXXX, XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndiv To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I trie to reach the bank many times to open a dispute and was impossible, I submited a claim trough CFBP on XX/XX/XXXX under this number XXXX The the bank reached me long time after saying they cant open a XXXX due the long time. 
Need to insist in the XXXX request because is the bank fault that nobody takes cares about this. Also I tried to call again last week and that department doesnt have direct line, so need to request a call back but im not in XXXX XXXXXXXX so they cant reach me in an XXXX  phone number. 
The bank put a lot of difficulties to process a claim...
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MA)

I am a long time customer of Citi with an excellent payment history. Last XXXX I purchased a home and I needed to use my credit cards for some time until I received my bonus this XXXX. I knew that I would be able to pay the debts I was accumulating, and I was paying on time and the correct amount throughout all of this on all of my accounts. When I received my initial bonus I paid down my cards significantly - XXXX on one card and XXXX on another. As soon as those payments cleared my credit report was hit, my credit limit reduced by the amount I had paid, and my XXXX XXXX negatively impacted by the overall reduction of credit. The percent utilization of credit should have significantly reduced, particularly since these were not the only cards I was making significant payments on ( I paid another XXXX on a different card ). There was no reason to execute this action. I called Citi and attempted to resolve the problem and get my limits reinstated, and even after escalation I was told that there was no point, that it was their policy to do this to their customers and my limit would never be reinstated. I attempted to resolve this through a dispute through XXXX, since they told me to take it up with XXXX, but Citi ignored my argument and just confirmed that the information regarding my account was accurate. Let me repeat, I am a long time cardholder in excellent standing - the only thing I did was utilitize the credit I had been given, and then paid down the balance in a large lump sum! Why should I be punished with a credit limit reduction for that with no cause whatsoever to take any action. My credit score has already increased because of the other payments I have made, and would be even higher had Citi not reduced my credit limit so dramatically. I simply want my credit limits reinstated in my cards. 

I will note that I have seen XXXX  complaints about this exact situation and Citi makes no attempt to work with their customers on this issue.
Consumer complaint received 2022-04-26
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 (MI)

On XX/XX/XXXX, I initiated a dispute regarding a product that arrived defective in the amount of {$37.00}. Bank of America issued a temporary resolution in my favor on XX/XX/XXXX of {$37.00}. On XX/XX/XXXX, the claim was reopened without any communication after Bank of America received a response from the merchant. On XX/XX/XXXX, I received an electronic communication requesting more information regarding my contact with the merchant. The requested information was due by XX/XX/XXXX. On the evening of XX/XX/XXXX, I submitted substantial ( 20 or more pages ) of documentation. On XX/XX/XXXX, without reviewing the information provided, Bank of America closed the case with and sent electronic communication stating that the case had been closed because of failure to respond and charged my card the amount of the original transaction ( more than the disputed amount ). We called Bank of America on XX/XX/XXXX to determine what had happened and were told that they had requested additional information for a XXXX review of the dispute and that they had, in fact, received the information we provided. On XX/XX/XXXX, Bank of America issued a correction to our statement refunding the difference between the original amount and the disputed amount. The week of XX/XX/XXXX, we were told that XXXX had resolved the claim in our favor and a refund would be provided within a week. On XX/XX/XXXX, we were told that XXXX never reviewed the claim and that the claim had been opened because the merchant responded, but that they ruled in his favor because we did not respond. Between XX/XX/XXXX and XX/XX/XXXX, we have had multiple phone calls. Bank of America is currently claiming that because their electronic system automatically closed out the claim and rebilled us for the amount that they had to reopen the claim and are reviewing it. We were told on XX/XX/XXXX that Bank of American would complete their review by noon on XX/XX/XXXX and to call before the end of the day because they would not be sending any electronic or written communication about the results. We called the afternoon of XX/XX/XXXX to be told that they had not yet completed the review and they did not know when completion would occur.
Consumer complaint received 2022-08-15
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX of XXXX account # XXXX, XXXXF account # XXXX, XXXX account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (SC)

I send {$2000.00} to my sister last XXXX XXXX using the Moneygram it was supposed to go to her bank account but the problem was her last name was incorrect but her bank account was right. After 2 days I called the money and amended the problem fixing her last name and they told me that it would take XXXX business days so I waited for 7 days and I called them back and they told me that the money was send to her bank account but when my sister went to bank they told her that the money was not deposited in her account so I called the Moneygram and asked them where is my money and they said it was refunded through my bank account so I called my bank and I told them what was going on with my money so we filed a resolution because money told me that my money was refunded XX/XX/2021 but no money was deposited in my bank account. My bank and I flied another resolution but I am getting the same answers my told me to resolved the issue with Moneygram but when I called the Moneygram they told me that I had to called my bank institutions because they deposited it backed to my account but when I asked them to give the transaction number they said they are not allowed to give it to me. Its been so stressful in my side that the money I asked for a refund until today they never give back to me.
Consumer complaint received 2021-11-08
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. (AL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives monetary compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, XXXX and TRANSUNION XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2022-05-26
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. (MD)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I received a letter from a law firm offering assistance for my home and it mentioned that my house is up for tax sale. I was not aware of this, at all. I pay my property taxes through my mortgage payment/ escrow account and have not missed any of my payments. I was not notified by my lender that my taxes were delinquent in any way. I contacted my lender, Rushmore Loan Management, on XXXX  XX/XX/XXXX and notified them about the issue. The person I spoke with confirmed that Rushmore had not made any tax payments on my behalf and I was told to give them 3 business days to have a resolution. I called on the 3rd business day, XXXX  XX/XX/XXXX, for an update and I was told that nothing had been updated on my account and that I should call on Monday. I called today ( XX/XX/XXXX ) and I am again being given the run around about what is going on. I'm being told that an investigation needs to happen and that I won't be able to get an update until XX/XX/XXXX - which is the date of my tax sale. I am completely stressed out about this. I don't know what needs to be investigated. The lender, while on the phone with me last week, looked up my account on my county 's website and saw the balance and that Rushmore had not made any payments. I am worried about losing my home. I do not have the XXXX XXXX balance that is owed and Rushmore keeps stalling with giving me any real information about what is going on. I have repeatedly asked to speak to someone who could give me details on how this situation is going to be resolved and I get put on hold for minutes at a time just to be told that no supervisor is available. This is infuriating and I would like to know what resources I have in getting the balance paid. Rushmore Loan Management has been taking my tax payments ( escrow ) and doing what with my money??? UPDATE : I finally was able to speak with a supervisor named XXXX just now. He initially said my disbursement would be sent on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but he then said that he would work to escalate the issue and that he will update me on XX/XX/XXXX ( a week away, smh ). I'm filing this complaint now because I don't trust what I was told and I want to have my bases covered in case I get the runaround with this again next week.
Consumer complaint received 2022-04-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have just recently started using the app Experian and I filed a report when I noticed that a credit card had been opened under my name at a retail store which was not done by me. I started a dispute but it did nothing nor did it explain anything. Now I have all of these charges on my credit report that dont belong to me and are affecting my credit score, etc. I found out that my grandmother attached me to her account to get more credit available for the card which I did not approve of and would like for it to all go onto hers and not mine.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

XXXX at XXXX in Ga place a balance of XXXX on my credit report, despite code compliance violations. The debt was sold to National Credit Systems. I made an initial payment of XXXX and the balance never updated until I asked to speak to a supervisor. The collections agent told me that it was not XXXX ' responsibility to update my balance, but it was my responsibility to provide proof of payment. She said that she saw the payment in her system, but it never updated until XXXX on XX/XX/2022. It is my belief that their business tactics is not report updated payments and it still shows a balance of XXXX on my credit report. The supervisor XXXX came on the phone and told me " to get it together '' after I inquired why my balance had not been updated. I also why did I have to show proof of my last payment if the system took it. The business should be responsible for accurate billing information including balance on account. I have not received any documents notifying me of my right to dispute the debt.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ELAN CACS CC XXXX. {$0.00} Acct # : XXXX
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rocket Mortgage, LLC (CA)

RocketMortgage filed a derogatory credit default on mortgage without properly contacting me to resolve this miss due to their faulty auto-pay service. RocketMortgage used their automated robocalls ( just like common spammer ) to inform, but left no messages. As a consequence my credit score dropped from XXXX to XXXX prior to that one miss, I paid at least 150 % of the monthly payment every month. RocketMortgage made no effort to resolve any technical difficulties.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

I received a call from the XXXX XXXX police department ( came from that phone number ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number to call him back at. I called back and left a voicemail and he then returned my call and said I had jurty duty that I didn't show up for and therefore was being given XXXX citations. He provided citation numbers and told me that I needed to pay these fines and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address ( XXXX ) to send payment to through zelle. He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, XXXX XXXX and they said they can't do anything to help me. I have tried requesting a refund through Zelle but now the recipient is no longer regsitered with Zelle. I filed a police report but they haven't done much at all either. 
XXXX XXXX told me that they could not help me because the money was sent through Zelle and had already been processed so they couldn't refund or cancel the transaction. Clearly the recipient of the money had some sort of bank account and was able to receive the zelle transaction so was that account holder legit or did they falsify information to get a bank account? I feel that there should have been some sort of protection that verifies account holders and accounts before sending money.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I disputed a collection account from National Credit Systems a few months back about a collection of {$9800.00}. I sent a letter to National Credit Systems asking for validation and verification of this account. Ive asked for an itemized bill for the amount that is alleged I owe and still have not received an itemized and full breakdown of each cost. I was told most of the damages was in result of fire damage. I was given no proof of any fire damages or how/when they occurred. I was not responsible for the fire nor should I be held responsible for any damages. National Credit System has yet to provide me with any accurate description for what this debt is from. I have disputed this inaccurate account two different occasions and as a result of my first dispute National Credit System collection account was removed for less than a month before it was re-entered onto my consumer report twice. I received a letter from XXXX stating they made an error and duplicated this inaccurate account and now the collection was reflecting on my consumer report twice.I reached out to a lender for a line of credit during the same time and was denied credit. I believe if this inaccurate, unverified and invalid account was not reflecting on my account to begin with then this mistake by XXXX would have never have taken place.