davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

My son XXXX XXXX purchased tickets to XXXX from XXXX XXXX. He was informed by XXXX XXXX that flight has been canceled due to Pandemic so we requested Citibank to give the credit of approx. {$580.00}. They took their own time to investigate and finally came to us after few months that XXXX XXXX is not agreeing to take the charge. Inspite of early action i.e. letting Citibank to dispute the transaction because of Pandemic no action was taken by them. 

Today i called them and was told that resolution period has ended and i would be losing my hard earned money because of inappropriate actions by Citibank. I request that i am reimbursed with the cost of tickets as flying in XXXX was not possible and even more Airline canceled the ticket. i have attached email received from XXXX XXXX for reference.
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from XXXX XXXX it became their problem, not my problem anymore.
Consumer complaint received 2020-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (PA)

I have been purchasing products online with the Swiss Colony for many years. 
However, when I logged into my account last month to purchase a new order, I saw a message below. I have not had a line of credit with this company since XXXX so I called them immediately. They claimed that the balance was still due and that I needed to provide proof of payment before they would update their system. I explained to them that I would not have proof from almost 25 years ago and that they could not legally collect the money after 7 years. I was told rudely, that it was on me to provide proof of payment. I pulled my CBR and did not see the amount on it. But, I am concerned that what they are doing is illegal. 

ALERT : Your account is 480 days past due. In order to make your account current, please make a payment of {$34.00} or call our credit department at XXXX. 
XXXX XXXX Account # XXXX Change Account Plan A Credit Status as of XX/XX/XXXX Available Limit {$0.00} Balance {$35.00} Credit Limit {$0.00}
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

{$390.00} was sent on XX/XX/2020 via XXXX XXXX for a product that was never received. I have the recipients contact information. They have responded when I contacted them via my extra email with the same scam. I have reached out to XXXX and Chase previously to no avail. 


Recipients information : XXXX tag : XXXX XXXX XXXX Email used : XXXX XXXX
Consumer complaint received 2020-12-07
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. (AZ)

On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus Equifax, XXXX  and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.
Consumer complaint received 2020-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Ive sent Experian more than three letters reporting items on my report that need to be removed because it goes against the FCRA. This collection from discover is unauthorized and stoping me from obtaining a great credit score. I havent received any validation of debt since I sent discover my first validation letter on XX/XX/2020, which was delivered on XXXX XXXX. I have my certified mail receipts. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2020-12-06
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: CITIBANK, N.A. (NJ)

I have been receiving fraudulent charges on my card and Citibank refuses to rectify the situation. I have filed a prior complaint and was told the problem had been resolved but I got another re-bill from Citibank on this months statement. 
My complaint number is XXXX. 
On this months statement there is a rebill charge of XXXX. 
Please help me fix this problem
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with Experian, XXXX  and XXXX. Although I had a XXXX  balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX IS REPORTING XXXX 'S BALANCE OF {$520.00}.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with XXXX, Equifax  and XXXX. Although I had a XXXX balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX  IS REPORTING XXXX 'S BALANCE OF {$520.00}.
Consumer complaint received 2020-12-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I previously filed a complaint with XXXX  that XXXX & USAA are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, XXXX  claimed I disputed the XXXX n & USAA 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves XXXX  NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided XXXX  with documents directly from the IRS confirming both XXXX  and USAA filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to XXXX, XXXX  or XXXX. Both XXXX and USAA lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, USAA had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance USAA was reporting and continually verifying as accurate, by their own omission was NOT accurate.
Consumer complaint received 2020-12-07
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: CITIBANK, N.A. (MD)

My Citi Card Thank You accounts were shut down without any warning or notice on XX/XX/2020. With the card being shut down, over 1 Million Thank you Points immediately " vanished ''. I was told by a Thank You Points representative that I would have 60 days to transfer out these points I feel that Citi was deceptive in their advertising practices by allowing me to earn all of these Thank You points, and then closing my account without any notice, thus giving me no opportunity to redeem my points.In addition, I was compiling these points in order to take my family on a vacation soon. I have also been told by representatives it was smart to save up all of these points rather than use them immediately. Taking these away is an unacceptable and unethical business practice that is unfathomable during a pandemic and during the holiday season.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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 U.S.C 1681. 

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Consumer complaint received 2020-12-17
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: HW Holding, Inc (NJ)

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on XXXX and on Equifax it states the date is XX/XX/XXXX. XXXX shows the account as Open and Equifax shows it as Derogatory, these are inaccurate entries. XXXX also shows the last payment was XX/XX/XXXX and Equifax shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both XXXX and Equifax to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit report.
Consumer complaint received 2020-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

In XXXX, we became behind on payments. Vanderbilt Mortgage scared my husband into signing paperwork that would give us a balloon payment of {$27.00}, XXXX. They threatened us with foreclosure even though we were only 2 months behind on payments. Now ( XXXX ) we are trying to sell our house and they [ Vanderbilt ] are telling us we have to pay the balloon payment before we can sell. However, in XXXX as well as a couple times in early XXXX, I called and asked specifically if we had to pay the balloon payment before selling the house. We were told no, that we did not have to pay the balloon payment before selling. They made the balloon payment our only option knowing we couldn't afford to pay it.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo keeps pushing the closing date out without providing a reason. They insinuate that there is a problem with the appraisal but will not tell me what the issue. I paid to have the appraisal done but they refuse to provide me with a copy. I have asked to speak with the underwriter and have been denied that opportunity. I have also asked to speak with their collateral compliance department and again was denied that. I made contact with a person in their customer complaint department but he has not returned any of my calls asking for status. A manager in that department promised to call me but has not. I asked to speak with the Senior Vice President but was told the she does not take customer calls. These changes have required the real estate agents to extend the contract three time but no one will tell me why. My wife and I both have credit scores over XXXX, have cash accounts of over $ XXXX in Wells Fargo Accounts and another $ XXXX in tax sheltered accounts. We recently sold our home and paid in full the Wells Fargo mortgage on that property. We have no debt including on credit card accounts. We are asking to borrow $ XXXX on a $ XXXX property. We asked why there was an appraisal required and were told that it is a XXXX XXXX requirement. This is a conventional loan and as far as i know XXXX XXXX should not be involved. We are in danger of losing the contract on this purchase and will become homeless if that happens.
Consumer complaint received 2020-12-05
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: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2020 Regional Acceptance added a derogatory mark on my credit report per XXXX XXXX, XXXX  & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Regional Acceptance Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Below is XXXX XXXX response to my second latest complaint. In it they claim I am raising a dispute. Never did the word dispute show up in my complaint. Here is their response : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at XXXX XXXX //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Lets try it again. TransUnion on its own showed me as delinquent on my mortgage. Trans Union never received a thing from XXXX XXXX or anything else stating that I was delinquent. So on its own Trans Union elected to show me as delinquent. Here is my question for about the 20th time. Why? Why did Trans Union on its own show me as delinquent?
Consumer complaint received 2020-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I was served with lawsuit papers from debt collectors Midland Credit Management. I have repeatedly asked for a copy of a physical contract with my signature verifying the validity of this contract and debt. They can not furnish it only a card statement. XXXX  XXXX the original creditor can not provide me one either as I requested. This has hurt my credit reports and any chance of obtaining credit. I will be placing a fraud alert on my report as well.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.