davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

This is a follow up to complaint number XXXX as the response from the merchant was inaccurate I filed the dispute within the 120 day timeframe on day XXXX which was confirmed with the Citi representative XXXX The delays were on the part of Citi as they did not send any correspondence in writing just via email which went to spam. I did not realize this until I went to follow up on the dispute a few weeks after to check the status. 

Once I learned of the email request, I responded immediately and during each correspondence since then asked for them to please give me a call if they needed any additional information. To this date I have yet to receive one single phone call even after numerous requests.

About a week after this complaint was filed, I received another email from Citi indicating my dispute was still opened and that they wanted some additional information. I sent the information over the same day and have asked for a status update twice with no response.

Citi has a break in their process and their lack of follow through has caused me harm. I used this credit card due to the protections afforded within their agreement, but Citi did not hold up their end of that agreement. 

I need to ask that this be researched further as the representatives at Citi are not being truthful, and most importantly, not addressing the breaks in their process, especially around the lack of visibility surrounding the dispute process. They also need to address he reason why no one will pick up the phone to call me or why when I call in I am not permitted to speak with anyone directly involved in the dispute. 

How many other customers does this need to happen to before Citi is required to fix their process. Most of the customers wouldve given up by now.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PINNACLE RECOVERY, INC. (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear XXXX XXXX XXXX : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
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Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

My name is XXXX XXXX I am contacting y'all back case number XXXX XXXX and for case number XXXX XXXX I need to know when will the account investigation be done and completed with and when will my account be unfreeze and my online bank access be fully restored for everything on it and with it and and I need this dispute number claim number is XXXX to be reopen and investigated again because when I have called in XXXX times XXXX different agents told me they will put in a email and a request to have it open to appeal it and have them reopen it and investigate it again they told me to call back this XXXX  XXXX or XXXX  XXXX to see if it was reopen and investigate again or if theirs a update on it or not yet etc account numbers are Checking XXXX and saving XXXX etc.
Consumer complaint received 2022-04-27
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-12-11
Product: Credit 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: U.S. BANCORP (NJ)

From XX/XX/XXXX to XXXX, I made several purchases from XXXX XXXX on my XXXX XXXX. I also returned items and received price adjustments. 

On XX/XX/XXXX, I noticed XXXX charges from XXXX XXXX that I did not make : XXXX - {$330.00} XXXX - {$160.00} Note : I did purchase a pair of corduroy pants on XX/XX/year> for {$160.00}. Both XXXX and XX/XX/year> showed up on my account. XX/XX/year> is legitimate, XXXX is not. 
XXXX XXXX  that afternoon I called XXXX at XXXX ( XXXX ) XXXX and spoke with XXXX. She said she could see no record of those transactions on my account and suggested I dispute the transactions. I then called the XXXX XXXX XXXX at XXXX XXXX XXXX and spoke with XXXX, the salesperson who I purchased a pair of corduroy pants from on XX/XX/year>. She said that she can't see any information on my account regarding the XXXX transactions and also suggested I dispute. 
I called XXXX XXXX and was told these XXXX charges were fraud and that I had spoken with both XXXX and the XXXX XXXX store at XXXX XXXX XXXX, both had no record of the transactions. The XXXX charges were taken off my account and I was told I would not have to worry about them. My account was closed and I would be sent a new card in 48 hours. 

XX/XX/XXXX, I noticed that the XXXX charges from XXXX XXXX were back on my account. I called up and spoke with XXXX and recounted what happened. She said that there were a lot of credits put on my account so the dispute person assumed I got my money. I explained to her that the credits to my account were returns ( I had returned XXXX corduroy pants since they were the wrong size ) and price adjustments. XXXX said she would write these up a second time and not to worry about it. 

XX/XX/XXXX, I noticed that I the {$160.00} was back on my account and I was charged an additional {$75.00} from XXXX XXXX. I called up at XXXX XXXX  and asked to speak with a supervisor. I recounted my story and she was not helpful. She said she will put a note in so that XXXX will call me back in 48 hours. I explained I am a teacher and am not available until after XXXX XXXX. I asked her if there was anything else that can be done, she said no and hung up. 
I then called XXXX Investments to see if I can get help on this issue. I found on XXXX that XXXX XXXX is the Vice President of Credit Card Products. I am waiting to hear back. 

In addition, on XX/XX/XXXX I called up XXXX XXXX to discuss a charge for {$310.00} that my therapist 's office, XXXX, charged me incorrectly. I recounted the story that one of the secretaries decided to arbitrarily charge my card because I have a balance without submitting to insurance. I have a balance because my therapist did not submit his billing. I was told this would also be taken care of. 

On XX/XX/XXXX, I also noticed this charge was back on my account. I spoke with XXXX about it and was told it would be resubmitted to the dispute team.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a XXXX on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX. 
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information XXXX Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my XXXX credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX
Consumer complaint received 2024-10-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Click n' Close, Inc. (WA)

Please see dates page XXXX XX/XX/XXXX first loss mitigation loll XX/XX/XXXX first month I was unable to pay mortgage and started to XXXX for loss mitigation XXXX XXXX loan modification XX/XX/XXXX notification of first foreclosure on XX/XX/XXXX I started bankruptcy attempt to keep my home. 
XX/XX/XXXX XXXX no longer protects renters and starts to allow foreclosures. If I didn't get a loan modification the bank was allowed to take action XX/XX/XXXX I make another attempt for bankruptcy but can not afford to make payments due to fraudulent loan on a property my brother is trying to take from me. I inherited it XX/XX/XXXX after my mom passes. 

My bankruptcy payments increased by XXXX a month due to the XXXX loan he has made on home inherited at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I decode to apply for loss mitigation 3 days before auction on XX/XX/XXXX which I was approved but first tribal refused to reinstate my loan.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

Discovery XXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

Discovery- ( XXXX ) XXXX-Fraud Department XXXX XXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following items : 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
Consumer complaint received 2023-07-17
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: CITIBANK, N.A. (DC)

On XXXX XXXX I attempted to purchase a XXXX XXXX and XXXX XXXX at XXXX XXXX, they didn't have them in the store. I never left XXXX store with merchandise. I decided I didn't want it delivered because Best Buy had lost my Brothers Printer and destroyed my XXXX XXXX during XXXX deliveries. I decided I will pick them up from the store if available. Due to catching XXXX I wasn't able to pick the order up because of being quarantine. I've reached out to XXXX XXXX numerous times to say I wasn't feeling well and they said they will credit my account. After noticing being charged but not creditied on the statement. I spoke with XXXX at Citibank to file a dispute in XX/XX/XXXX on my bill. Citibank refused to take a charge dispute complaint and said I had to go to the store because it takes too long to dispute a charge. XXXX the manager gave me a copy of my orders and said I wasn't being charged on my credit card. I followed up with Citibank and XXXX said the dispute was resolved XXXX. I asked her did she need copies of XXXX final receipts, she said no. I asked to close the account. In XX/XX/XXXX, instead of getting a {$0.00} balance Citibank refused to resolve the issue, they mislead me to believe they resolved the matter and I'm still fighting late fee, interest charges to merchandise I don't have, harassment XXXX and Citibank has destroyed my credit. Citibank called themselves doing a dispute investigation in XX/XX/XXXX but it's no signature of me authorizing the charges. Citibank destroyed my daughters credit too by putting erroneous charges that belonged to my dispute on her credit report. I've asked Citibank to close ALL the accounts I have with them including XXXX because they make too many errors and do not protect the creditor. I have copies of all the information concerning this complaint. I want Citi to repair my credit.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

1. I made a car rental reservation with XXXX XXXX, XXXX on Chase travel portal using the Chase reward points on XXXX 2021, which is worth of {$410.00}. It was a prepaid trip from XXXX to XXXX, 2021. 
2. When we got to the XXXX XXXX on the night of XXXX, they spent over 30 minutes to go through the paper work and asked us to buy a car insurance before we can pick up the car at the end. We were asked to pay almost additional {$400.00} total for the insurance and they told us it was mandatory by XXXX XXXX. This was our fifth time in XXXX and also not the first time renting car. We understand there is one basic liability insurance mandatary and it has to be included in the quoted price by law, which we already prepaid through Chase. On the other side, I am also attaching the Chase/XXXX XXXX XXXX policy document here for the reference. It stated in second paragraph of page 5 : Third party liability insurance is included in our car rental contract already.

3. Since it is totally nonsense for us to purchase additional insurance, we declined to take this option. If this is something mandatary by XXXX, we have every right to be informed before we booked the trip. We already felt this was a fraud and at the end, they didn't give us the car. 
4. I contacted Chase credit card travel center multiple times to report this potential fraud and ask for my rewards refund for the trip few days later. Chase informed me on XX/XX/XXXX they can't refund me my rewards because XXXX denied my request. And the decision is final.