davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (FL)

Re : CitiCard Credit Bureau Dispute Due To Hurricane XXXX ... 

Below is my most recent communication to CitiCard ... To date, they are unable to assist me because their teams were not trained on how to handle XXXX related situations / cases. Can you please assist? 

As per my discussion with Account XXXX XXXX on XX/XX/XXXX ; please review the notes on my account to expedite the removal of the late payments from XX/XX/XXXX and XX/XX/XXXX. During these 2 months, I was directly impacted by hurricane XXXX and had no power for several weeks. Since my home is located in an area that was declared a federal disaster area by XXXX, I was reassured by your team that I would not incur any late fees, penalties or be reported as late with any of the credit bureaus during this difficult time. 
As of today, all three credit bureaus are reporting these 2 months of payments as late. Can you please remove the late payments and kindly update all three credit bureaus today as I am currently in the process of selling my home and can not qualify for a mortgage until this has been resolved. 
Once both late payments have been corrected in your system, can you please fax a letter to my mortgage lender confirming the removal of such and kindly confirm that ALL three credit bureaus have been updated accordingly. Correspondence should be sent to : .. 
Thanking you in advance for your time and assistance with thisHave a wonderful evening! 

Kindest Regards,
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am getting deprived off of my opportunities all because my credit scores do not meet their standards. I blame this on the inaccuracies that are being reported on my credit. I sent complaints beforehand and was continuously ignored. I need immediate action.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

This is regarding my PayPal debit card account only. 

On XX/XX/2018 at XXXX XXXX PDT my account was hit with 33 separate incidents where funds were withdrawn from my PayPal account all at once, causing my account to go into a negative balance by - $ XXXX. The transaction details show this : Payment to : XXXX ; Debiting for PIN transactions that did not debit the Paypal account correctly from XX/XX/XXXX through XX/XX/XXXX. 

After speaking with PayPal, they admitted that their accounting system failed to collect on pending charges, which eventual were cancelled by the system. This error was discovered a few days before the " Balance Adjustments '' charges were processed. 

My problem is that my accountant shows that I have been double billed and that these subsequent charges are not ID with a location nor a vendor making it impossible to account for. The original charges from the XX/XX/XXXX/XX/XX/XXXX period DO NOT EXIST on the balance statements provided by PayPal online. 

They do show a lot of pending amounts, and then show the balance being put back into the account, but these charges do reflect on their online accounting balances, ONLY when you download the account activity. Therefor the balances never go up on the online accounting balances, only on the downloads. 

Many of these charges were ATM withdrawals which are typically not pending situation, where amounts are immediately subtracted from the balance. 

We have never seen the balance go up unless a customer made a payment. 

My accountant has also noticed that the ledgers have been changed for the same transaction on similar dates from month to month, and then significantly changed in XX/XX/XXXX. 

This questionable accounting of having two different ledgers that don't match my receipts and ledger leaves to doubt the validity of the adjustment charges. 

This has cause my business significant hardship because of manner in which PayPal had to cover their mistake. Did they not warn nor notify these error and forthcoming adjustments to my balance going to be made. The amount of these adjustments charges cover 3-weeks of income and spending habits nearly equals my monthly income and I unable to pay it back before they will be sending the account to collections. 

I have noticed that many have not only contested these charges but found discrepancies in PayPal 's month-to-month accounting where the amounts vary by thousands of dollars. 

This leaves me to believe that there is a systemic failure with the PayPal debit card accounting infrastructure. 

I have collected cases from over 30 other users and preparing to get legal class-action suit representation.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (AZ)

I recently set up a payment agreement with XXXX XXXX on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom GC Services that they now have my account after I just set up an agreement with XXXX XXXX to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called XXXX XXXX they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with XXXX XXXX two weeks ago and now it is closed and GC services has my account. I need to know what is going on and who I need to pay and why the account got closed.
Consumer complaint received 2018-07-08
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. This is an error.
Consumer complaint received 2018-06-28
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: EQUIFAX, INC. (CA)

On XX/XX/2018 I mailed out a notarized dispute letters to Equifax and XXXX via XXXX Certified Mail, tracking # XXXX and XXXX  Tracking XXXX. Equifax and XXXX received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from Equifax on XX/XX/XXXX with the subject titled " Equifax Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

XXXX has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe Equifax is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link Equifax sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire Equifax provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX Over 15,000.00 worth of fraudulent charges were placed on my account by a merchant that used a company called XXXX  and XXXX to Spoof fraulent charges placed upon my bills that appeared to be legitamate after hiring a private investigator we found out this was done by XXXX XXXX and an internet identity crime ring located in XXXX XXXX Nevada. They hit all my credit cards and all of my credit cards investigated the frauds and removed the Fraudulent Unauthorized Charges. 
However one creditor despite sending them over XXXX pages of supporting documentation has dragged its feet for 4 months and as of XX/XX/2018 now refuses to remove the fraudulent charges despite having a zero liability policy for fraud. They initially showed a balance of XXXX which is because it took 3 months from the time the fraud began for me to discover it and I paid for charges that were for products or stores that didnt even exist. 
The creditor is Synchrony Bank which issued me XXXX XXXX Mastercard, I have refused to pay for these when I discovered I already paid for a significant amount of the Fraud and the creditor is showing 30 and 60 day derogatory entries in its data it furnishes the Credit Reporting Agencies.
Consumer complaint received 2018-06-28
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. (MS)

Transunion has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. Transunion allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from Transunion.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CO)

I was the victim of a XXXX XXXX XXXX and XXXX XXXX XXXX by a neighbor on XX/XX/XXXX in my apartment with my daughter who was XXXX XXXX XXXX and my XXXX year and XXXX year grand daughters who was at my apartment at that time. This happen at XXXX. My neighbor was arrested and taken to jail and charged with XXXX XXXX XXXX and XXXX XXXX. he kicked my door in and was coming at me trying to attack me. I XXXX XXXX XXXX XXXX with my XXXX, he still was still coming and then I XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, he ran off. I don't know what his intentions were or why he kicked down my door and was in my apartment, my grand daughters were shook up from this, that frighten them. The DA requested I move out and placed a restraining order agaisnt my neighbor. I went to my rent office and told them I was moving due to my XXXX XXXX and XXXX and I was too affraid to continue to live in my apartment by myself after this incident. The apartment manager agreed to let me out my lease, but told me I still had to pay my rent for the amount days I was living in the apartment. I at first gave the manager a letter stating I was moving out on XX/XX/XXXX. I wasn't sleeping in my apartment since the incident, so I written another letter stating I was moving out on XX/XX/XXXX, and I did moved out on XX/XX/XXXX. I was living at my oldest daughter house sleeping on a air mattress from XX/XX/XXXX until XX/XX/XXXX with the assistant from XXXX XXXX who helped me to pay part of my rent and deposit for my new apartment. To make a long story short. The XXXX at XXXX XXXX XXXX XXXX, reported to XXXX credit bureau since XXXX late rent on my credit report. I received a letter from a collection agency name Hunter Warfield requesting I pay {$330.00} at a 50 % saving. My credit score dropped to XXXX, Recently XXXX shows my credit score as XXXX with an amount of {$700.00} gaining interest. My rent with this apartment at that time was {$630.00}. They kepy my deposit of {$200.00} and no return of the pet deposit which was {$250.00}. The collection agency say I owed {$670.00} and the apartment was asking me to pay {$1000.00}. This is false report amount and it's a negative on my credit reportand this is hurting me financially. I am seeking legal advice and action. I'm the one that's still affraid to live alone and have nightmares because of the incident. I would the like an investigation done on this apartment complex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ph # XXXX and collection agency Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ph # XXXX or XXXX. I'v already had XXXX to investigate and they refuse to remove it or remove the negative reporting. Yes, I have try to work with collection agency and apartment manager it's getting no where. This has been going on for 2 years
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied on XXXX XXXX for my first credit card, a secured USAA card and was accepted for a card on the XXXX of that month. I paid the XXXX dollar deposit for the secured card and had problems verifying, which we resolved just fine - and I was told about a week after successful verification that my card was on the way ( XXXX XXXX ). It was also stated clearly in the email that this card would reach me in no less than 10 business days. I was excitedly waiting, but the card never arrived. I updated my shipping information and had the first one cancelled after 14 business days ( XXXX XXXX ) and another sent - I received a letter 2 days after this update saying my contact information was successfully changed, but still no card. I waited another 17 business days ( much longer than they proclaim it will take ) before calling and speaking to a rep named XXXX. She promised to expedite a card to me ( fees waived ) and that it would be here Thursday, which was yesterday. I checked the mail both today and yesterday, and received other mail, but still nothing from USAA. This is the 4th time I 've been expecting a card and not received one, but they did n't even have the time before this on record! I 'm livid ; I have been expecting this card for six and a half weeks! It 's been 40 business days and not a single card has reached me despite the letter I received to my address. Is there anything we can do about this? I lost money that could 've been used for so much other stuff and was broke in college just trying to get this card. I 've wasted so much time waiting for it.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I am resubmitting my complaint cause as of your last response you are closing the complaint XXXX about CITIBANK. Not sure why close it unless this is the process. CITIBANK is lying. see informaton. 

I purchased a plan from sealand travel in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with XXXX in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called XXXX back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that VISA had the merchant money. They informed me and the merchant that they would have to get in contact with VISA. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let VISA know the money needed to be cleared but that was all they could do. 

As of XX/XX/2018. I have spoken with the merchant, they have not received any money. They spoke with their bank, the bank has not received any money. Citibank sent me a letter and email explained the reverse charge. I called Citibank again XX/XX/XXXX, I was informed by their rept that an investigation has been open caused THEY HAD NO IDEA WHERE THE MONEY WAS!!! THEY INFORMED ME THE LETTER WAS INCORRECT. So I feel Citibank is still lying. I am paying them for money that has not beenb sent out. The merchant has no money from citibank. I even get citi bank and the merchant on the phone together and the same results. XXXX banks comes back with they have to look into the matter. How many other people are they stealing from?? Yes stealing. I am paying them for something that they can not explain. Why not get the money from the merchant and send it to me? The merchant even told them to refund me!! So no this is not exceptable nor is it the truth., Again I have spoken to them several times and they can not produce anything about the money. Why not let me speak to the merchant bank. 

I mistaken put XX/XX/XXXX on previous letter I sent you. I spoke with them XX/XX/XXXX with merchant.
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUN LOAN COMPANY INC. (TX)

Sun Loan company representative kept coming to my house to attempt to collect on a loan that I had informed him I could not pay back. This company kept coming to my apartment and kept calling all my references after I had informed him I was not working. He would have individuals come to my house and not leave until I agreed to talk with a representative over the phone who would call me at the same time the loan was due to be paid. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX They have collection tactics that are illegal and I had no idea I could report these type of communication tactics. Please assist me in getting proper compensation for the abuse and harassment that I have been through with this company they have all information on my loan and they should have all the details recorded in their system. I was working at XXXX  when they came to my place of employment and started to present me in false light to the company I used to work for at that time. Please assist me. Thank You.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am a California resident and hold a personal checking account and a business credit card account with Chase Bank. I tried to use my business credit card on XX/XX/XXXX at XXXX, but the card was declined. I logged in to online banking to check my card 's account status, and was shown a message that the account is closed. I asked customer service via secure message, and I received the following response from " XXXX '' : XXXX, you account was closed due to bank policy. I apologize for the denied charges. To discuss the rea son for closure, we must speak with you directly. Please contact Customer Service at the number listed on th e back of your card. 
I regret to inform you that the open to reopen your account ending in XXXX is unavailable. You can apply for the new card online. To submit a new credit application, please visit our website for the most current offers and terms available. You can find us on the web at : https : //creditcards.chase.com Several days later, I received a letter dated XX/XX/XXXX, stating : After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because of unexpected activity you conducted on this or another Chase account. 

I also received a letter in the same envelope that says that my checking account will be closed on XX/XX/XXXX. 

I called in to customer service and spoke with the compliance department ( s ) on two calls, one for the checking account and one for the credit card account. The representatives " XXXX '' and " XXXX XXXX '', would not provide more information on what happened or why my accounts were closed. 

I am not aware of any violations of the contractual terms, nor am I aware of activity that would be considered unusual or unexpected on these accounts. 

On information and belief, this appears to be a violation of the California Song-Beverly Credit Card Act of XXXX. There may be other violations.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of America credit card has allowed continual fraud and then ignored andhas continually ignored my disputes and requests for action. they have reported me negatively while this is in dispute, harassed me and not done anything to assist or rectify this matter. they have violated and continue to violate credit card rules and regulations that I'm in agreement with and they have nopt proplery handled this dispute or redit card processes. I want this account removedand this to stop immediately.