davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I signed up for a Citibank Priority account with an advertised bonus of XXXX AAdvantage miles for 1 ) spending {$750.00} with the Priority debit card and 2 ) making two consecutive bill payments within 60 days of opening the account. On XX/XX/XXXX, with 6 days left to spare for me to complete my requirements, I chatted with a Citibank representative who specifically confirmed that I had completed all the necessary requirements and that the miles would be deposited to my associated AAdvantage account by XX/XX/XXXX. After the miles were not deposited by today, XX/XX/XXXX, I spoke with a gentleman over the phone who said that while I met the {$750.00} minimum spend, my bill payments for XX/XX/XXXX did not qualify as the correct type of bill payment needed to satisfy the bonus requirement. 

Had the representative I spoke with on XX/XX/XXXX given me the correct information, I would have still had 6 days left to complete " the right kind '' of bill payment that the gentleman today was referring to. Instead, Citi confirmed that I had met all the requirements and that no further action was needed, only to change their position today. 

I have attached screenshots of the entire chat from XX/XX/XXXX below.
Consumer complaint received 2019-07-15
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I have reached out to you all about a car on my credit that is not mine. XXXX and Transunion said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I FILED A COMPLETED LOAN MODIFICATION PACKAGE PRIOR TO THE SALE DATE IT WAS TIMELY DELIVERED TO XXXX XXXX XXXX AND XXXX XXXX  XXXX XXXX ON XX/XX/2017 THE REASON FOR THE LOAN MODIFICATION WAS TO SAVE MY HOME THE PRINCIPAL BALANCE WAS XXXX ITS WHAT THE CONTRACT SAID THEN XXXX XXXX CHANGED THE BALANCE A DISPUTE EVOLVED BETWEEN MYSELF AND THE COMPANIES. I WROTE NUMEROUS LETTERS TO RESOLVE THE SITUATION I HAD XXXX XXXX XXXX XXXX ON BOARD TO HELP MY SITUATION BUT I KEPT GETTING THE RUN AROUND MY FILE WAS RUDELY MOVED TO PURETO  RICO AND THATS WHEN ALL CONFUSION AND XXXX BROKE LOOSE " PUERTO RICO '' OF ALL PLACES THEN I WAS TOLD WAIT ON THE REVIEW AT THIS POIN I LOST TRUST IN THEM SO I FILED A BK TO PROTECT MY RESIDENCE ON XX/XX/2017 I WAS AT A SCHEDULED BK  COURT DATE THE MORTGAGE COMPANY MENTIONED AND THE TRUSTEE ALONG WITH MYSELF WERE ALL TO BE THERE AT THAT COURT DATE I WAS TOLD BY THE JUDGE TO CONSULT AN ATTORNEY TO MY SURPRISE AND SHOCK I FOUND OUT ON THAT SAME DATE XX/XX/2017 A TDUS WAS BEING RECORDED AND I KNOW LONGER OWNED MY HOME WHILE MY LOAN MODIFICATION WAS STILL BEING PROCESSED
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have tried to work with Equifax for over two weeks to no avail. This all began when my credit report was frozen. When I went online on XX/XX/XXXX to unfreeze it automatically. I was directed to call their phone number. The automated system was unable to unfreeze my credit and the Equifax employee was unable to verify my information. I was then directed to fax them a request to unfreeze my credit and was told to include 2 government IDs ( I included my DL and Passport ). I stated my current address, who I am, my social, listed the security freeze department as the recipient and everything else they requested. The fax was sent on XX/XX/XXXX. On XX/XX/XXXX I called to ensure that my fax was processed. I was told that they could not verify if it has been or not. So I sent the same fax a second time the same day. On Monday I called again and was told the same thing. I also called the security freeze department and they were unable to verify my identity, I was told to call my credit card provider to ensure that Equifax is being sent my information. Today XX/XX/XXXX I called XXXX XX/XX/XXXX who confirmed that for the past four years they have been sending Equifax my credit information and payment history and it has last been sent on XX/XX/XXXX. Today XX/XX/XXXX I called XXXX ( the security freeze department ) and I was directed to call XXXX. For 35 minutes I worked with the agent to get my credit unfrozen. I was surprised to find the Equifax does not have a file on me. And because of that, they can not begin an investigation into why they can not find the faxes I have sent them. I have verified with four different employees that the fax number I faxed to is correct. I am now being directed to send tracked mail to Equifax but I do not believe that this will resolve my problem. I am reading out to the CFPB because Equifax has treated me poorly and has not made any effort to get me my credit report or unfreeze my credit. The other two credit bureau 's are able to provide credit reports and freeze and unfreeze my credit.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I purchased a used vehicle in XX/XX/2018 and then proceeded to get a loan on it post purchase from XXXX XXXX XXXX XXXX. I bought the car in Texas and transported to Caliornia, titled, registered and insured it in CA with no issue as well. XXXX willingly loaned on the vehicle after their own due diligence. A year after originally buying the car when I went to renew my registration I was told that the car had been reported stolen in Texas and I needed to surrender the car to my local police station. After lots of back and forth with the police in Texas and California and several phone calls with XXXX, I turned in the car to the police and no longer have it in my possession. XXXX has demanded I continue to make payments on the loan for a vehicle I no longer possess. I can not afford to make 2 separate car payments and they are now reporting delinquencies on my credit report and my score has now plummeted. XXXX willingly loaned on a vehicle that wound up being stolen ( even though I had title in hand from alleged owner with Bill of Sale and registered it in CA with zero issues ) and they are now destroying my credit and demanding I pay off this loan.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case. 
The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX  company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MT)

I purchased thousands of dollars on Sears Citibank MasterCard and immediately paid the card off. In XX/XX/XXXXof this year, when I received a bill for {$29.00} I called Sears Citibank, paid the contested amount and closed the account. They confirmed the account was closed and I owed nothing. 

In XX/XX/XXXXI began receiving 4-5 calls a day from a robot saying to call Sears Citibank Master Card or contact Sears online. I contacted Sears and was told ( via chat ) that I owed XXXX dollars in interest on the previous {$29.00} charges. After wasting much time explaining the account was closed and waiting for them to look up all of my records ( I do not have the number any more ), they apologized for the error and promised to stop the calls. 

The calls continued. I called the number given which was changed to XXXX and got more robot directions. After hitting " 0 '' over and over and over, I finally received a human voice. I explained I did not owe anything to Sears, that I had closed my account and paid {$29.00} that I did not even owe, so I was sure not going to pay them any more. 

I was put on hold, transferred to another person who kept insisting my account said I now owed XXXX  DOLLARS. 

I am XXXX XXXX XXXX. This is consumer fraud. They badger people, wasting their time answering robot calls over and over and over, and then threaten to continue those calls and even damage their immaculate credit score if they do not dish out money to stop it. I want this stopped immediately and I want them to be investigated.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (NJ)

They say I owe them money for medical services from XXXX I offered to pay {$3.00} a month cause thats all I can afford, Im a senior and live on social security and Im XXXX and Im XXXX years old. The will not accept that amount.
Consumer complaint received 2019-02-08
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: Self Lender Inc (NJ)

self lender/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am having difficulty getting an amount of XXXX removed from my XXXX XXXX XXXX XXXX XXXX account. The account was charged off and I settled it with their collection agency. The status should read paid collection
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}
Consumer complaint received 2019-07-15
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. (GA)

I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.
Consumer complaint received 2019-07-12
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. (TX)

I leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from XXXX XXXX to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by XXXX XXXX. The link on the Transunion website is not working to submit an online claim.
Consumer complaint received 2023-07-02
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: ALLY FINANCIAL INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act Ally Financial # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION (MS)

I have the XXXX  on my phone to send and receive money, on XX/XX/2019, the app sent me an email saying that a transaction was completed a transaction, that I did not authorize I tried all the option there is to contact them an one was that the phone option is not available to me, so I emailed them and they sent me a email stating that the {$200.00} came from my linked debit card, and not my stored balance, and to contact my bank to dispute the charge. When I tried to ask for a code or contact there were no response, and I haven't heard from them since. When I contacted my bank XXXX told me that there were nothing that they can do and hung up.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Back in XXXX to XXXX of 2020 in the pandemic I applied for the unemployment and my pre-paid account was hacked and I could not use no more I didnt receive no money from my bank I did research and I seen that I could no find my available balance or nothing I still couldnt access the account I see there is a compensation of the {$59000.00} I didnt receive and I would like to have a refund or my compensation due to Bank of Americas mistake and fraud app
Consumer complaint received 2019-07-12
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. (AZ)

The following fraudulent accounts and credit inquiry keep reappearing on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, MN XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from Arizona is possibly going to call senate hearings for executives from XXXX to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with XXXX in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples XXXX credit reports, after XXXX has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.