davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CO)

I had a technical issue with the citi.com website that prevented me from being able to make a payment on time in XX/XX/XXXX. It happened again in XXXX, and I was charged a late fee. When I complained I was told I had been given a break in XXXX, and thus the late fee couldn't be forgiven. I argued that no way should I be held liable for a late fee when it was their website that was the issues, and I sent screenshots to prove it. I escalated the issue, got nowhere, so I found the CEO of Citi 's email and emailed her. ( XXXX XXXX ). Within a day her executive response team reached out, I explained the issue and the late fees were credited back to me. A few weeks later I lost my card, and when I called to have a new one sent I was told that was impossible as my account was being closed by Citi. They claimed it was due to a periodic review of creditworthiness. Now, interestingly, from the time I opened the account I had bought a {$260000.00} house, changed jobs to where I am making 3 times more since opening the account, and my credit score had climbed quite a large bit. I complained to XXXX again, and was told tough, go away, though I am still convinced it was retribution. When pressed for when and how I'd be notified of the official end of the account, I was told I'd be sent a letter. As of today, no letter has been sent. XX/XX/XXXX. I just checked my credit report and it states my Citi card was closed on XX/XX/XXXX by the grantor. However, this entire time my online portal shows it is active and I have available credit .... Today I called Citi, and suddenly they said they could reactivate my account with no issues. Supposedly a new card will be sent to me within a few business days.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (GA)

So I did 3 disputes to all 3 Credit Bureaus ti have this fraudulent charge account removed from my credit report and my spouse. The already messed up and reopened the Charge off account on XX/XX/XXXX on my XXXX report and the reporting me have a Current Auto Loan with a MISSED PAYMENT as of XXXX XXXX XXXX notice this account was charged off and closed XXXX XXXX XXXX and my documents on my other complaint shows you the proof. So this complaint is for my XXXX my credit score and report a dispute code was Added and removed by Ally Financial on XX/XX/XXXX which updated today XX/XX/XXXX where the put on my credit report for XXXX once again which dropped my credit score from a XXXX to a XXXX which is terrible a XXXX points decrease and they have changed the codes 3 times since XX/XX/XXXX ruing my CREDIT and they have on XXXX. Yesterday XXXX I called Ally Financial several to be hung up on, transferred, and each representative refuse to give me the charge off paperwork and XXXX was suppose to be handling this case she do not call back her supervisor wont call back and she said that she would have a supervisor which his name was XXXX email documents on this account and he never called or emailed them EVERYBODY is refusing to to call back, answer the phone, and refusing to give me the charge off documents on this FRAUD ACCOUNT that should have been DELETED back in XX/XX/XXXX. This is my second complaint in 2 days different Credit Bureaus. I am tired of this COMPANY they have DESTROYED my CREDIT and something needs to be done. The FCRA violation that will be brought again them is reopening a charged off account and reporting that I have a current missed payment will be ENFORCED and dealt with through the appropriate channels on this HORRIBLE financial company that should be OUT air BUSINESS. I am going to take ACTION soon for FCRA VIOLATION this account NEEDS to be DELETED off our credit remand you need to FIX this MESS NOW. Ally Financial you will get your day for ruing my CREDIT on my XXXX REPORT because of your remark code you have dropped my credit score on XXXX from a XXXX to a XXXX twice this month which is a XXXX points decrease because of there REMARK CODE..ALLY FINANCIAL you ruined my CREDIT and you are going to have to PAY for this in the long run.
Consumer complaint received 2018-06-28
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. (TX)

My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. I submitted letter to Experian the beginning of XX/XX/XXXX. Regarding accounts and inquires that don't belong to me showing up on my credit report. They have failed to provide physical proof that the accounts where mine. This has gone over 30 days to be honest over 180 days to be exact. I've been trying to sort this out. I've sent ( 4 ) 609 letters. Experian has yet to delete the accounts that i'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (CA)

XXXX XXXX told me as soon as my medical is approved that i would be able to come back to the hospital give them the insurance information that they would be able to remove this bill i also calledbthe hospital on occasions and told them i finally got my health insurance and they told me it would be tooken care of know i later on find out it went too collections i never got a call or bill in the mail regarding this as i thought it was handled by the hospital itself this debt was opened on XX/XX/2014 XX/XX/2014
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A few years ago, I downloaded my full credit report with my social security number and noticed that there were a number of accounts that were not mine, including an auto loan and two store credit cards. Additionally, another name was also on my report ( in addition to my own name ), as well as various identifying information ( addresses, work address, etc. ) I do not know if this was a mistake or if someone deliberately used my social security number for getting a loan, but the fact that there were multiple instances leads me to believe that it was intentional. 

At the time, I tried getting the individual lenders to remove the accounts from my report, but it didn't work. Since then, the auto loan has been paid off successfully, and no longer appears in my active report. However, all of the personal information for this or these other person/people is still appearing and is updating in my personal credit record, some of which is available online at numerous access points. 

This causes a number of issues, the first one involving proving my identity to anyone who is trying to use my report to confirm who I am, financial institutions or otherwise. Since there is a significant amount of data that is NOT mine, it is impossible to pass any such verification procedure. 

I would like to be able to contact the credit reporting companies or other data collection center directly in order to have this issue solved and have my record corrected.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2023 at XXXX XXXX I attempted to log into the TransUnion online portal. I couldn't recall my log in information so I went through their process of verifying myself with my social security number as well as answering their security questions. Having successfully answered them I still received a message stating that their online portal could not verify me and I had to call customer service. I learned from the agent ( XXXX XXXX ) that my user name was not my email, transunion should have been able to send me my username without the burden of having to call them and go through several minutes of waiting to get to speak to someone. Then when I attempted to submit my dispute online I could not, it said I had to call. Since I was one the phone with the representative I asked about that and told her I have all the correspondence here and that the issue was an issue affecting my Federal Rights to housing, their inaccurate information was denying me housing, over an issue that was inaccurately reported on my account. The representative told me I had to mail my dispute I could not fax or email it and when I asked to be transferred to a manager she stated she could not transfer me to anyone I'd have to call back. It was extremely frustrating and I recalled going through that about a year ago when I contacted every other credit agency about the dispute and they removed it from my credit, TransUnion was the only one not to. After really taking my frustrations out about this with the representative and requesting a call back from a manager, then later I discovered I could finally submit my dispute online. I feel they intentionally make it extremely difficult for the consumers to dispute the information on their reports, which causes huge impacts to individuals lives like this one for example denying me for housing even though my credit rating is over 800, because of a fraudulent landlord who claimed I owed money I did not and put me into collections, instead of taking me to court and following legal action where I could have proven my case, I've been negatively affected with an adverse action which denied me housing, there are federal laws against that. TransUnion needs to stop making it nearly impossible for consumers to dispute false claims on their reports and allow consumers to use their online portal to dispute transactions.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account 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 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 2023-05-07
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: DISCOVER BANK (NY)

Around XX/XX/XXXX, I bought an item from XXXX warehouse. The item was listed like new with packaging damage. Upon opening it, the product inside was not the same item as I ordered. I asked for a refund upon return from XXXX and they agreed to refund me when the item arrived in their warehouse. When I saw the item had arrived in the warehouse, I consulted with customer service about the refund. The agent told me I would be refunded within 2 weeks after the item arrived in their warehouse. I waited 2 weeks and contacted XXXX customer service again but they told me I still had to wait. I waited another week but I still didnt receive a refund so I contacted XXXX customer service again. They told me the same thing, that I would be refunded soon. But it seemed like I was never going to get my refund so I opened a dispute with my credit card company, Discover. Discover solved things for me and gave me the credit for the item I purchased. They said the issue was solved but all of a sudden on XX/XX/XXXX, they reversed the dispute and sided with the merchant, XXXX. They said there was not enough proof to determine the reasons for my dispute which is why they sided with XXXX. I dont understand why they suddenly sided with XXXX after so long, especially when I dont have the tracking number for the order anymore because its been so long. I feel that this is very unfair and surprising that they suddenly did this.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

At about XXXX on XX/XX/2020, I was trying to sign into my XXXX account and I was unable too, after several attempts I was unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled i had received a text message earlier in the day stating my phone number had been disassociated with my cashtag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email i immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me. 

I immediately started looking for a phone number to contact cashapp, to my dismay they do not have a phone number and the only way I could contact them was via email, i proceed to send an email to cashapp right away making them aware of the fraud and i was no longer in control of my chashtag, the next day I was hoping to have received a response from cashapp since the issue in question has to do with fraud, being a financial company I expected issue like this will be treated with high priority, cashapp finally responded 24hrs later, in the time it took them to respond, I had someone send me {$470.00} to my cashtag account, this was after I reported the incident already to cashapp. 

the email from cashapp ( XXXX : ref ) asked me to provide some information, which I did, I waited for another week and contacted cashapp again requesting for an update, to my surprise cashapp claimed from their investigation, I gave my cashapp information to a 3rd party ( which i never did ) and there was nothing they could do about missing funds, and my best option was to dispute it with my bank, I sent a response back to cashapp requesting to know what happened to the {$470.00} that was sent to me after i had already reported the fraud, their response was the money is lost, and there was nothing they could do about it. 

I'm attaching evidence to show proof my email was hacked, also proof of funds taken from my bank account, finally additional funds sent to my cashapp account after I reported the fraud
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (OR)

[ If this section has lost its formatting, please see the file " XXXX. Amex - XXXX to XXXX '' ] American Express has acquiesced, 3 times to : XXXX. Violation of US Code 1601 ( transparency with credit transactions ) XXXX. Consumer fraud, XXXX. Contract fraud, XXXX. XXXX fraud, and XXXX Credit card fraud Here is the context : I sent XXXX letters to the American Express XXXX XXXX requesting transparency with my credit transactions. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX His XXXX assistant XXXX XXXX responded to my request for transparency by assuring me Amex complies with all regulatory agencies and I must pay my bills as per the Cardmember Agreement. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX assistant XXXX XXXX XXXX responded to XXXX XXXX letter by asking them to respond via affidavit, under penalty of perjury, to each of my questions. I offered 21 days from the date of receipt to respond, making it clear failure to respond is acquiescence to those XXXX things listed above. I also offered the opportunity to request an extension, should they need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a similar letter with identical questions, as well as a copy of my letter to XXXX XXXX. I extended him the same 21 days from the date of receipt to respond via affidavit under penalty of perjury. I made it clear that failure to respond is acquiescence to those XXXX things listed above. I also offered him the opportunity to request an extension, should he need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a copy of my previous letter, as well as another copy of my letter to XXXX XXXX. This time, I extended him XXXX business days to respond via affidavit, under penalty of perjury. I made it clear that a lack of response would be construed as XXXX XXXX time acquiescing to the XXXX things listed above. 

XXXX XXXX, XXXX response : I received a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/2023. His letter simply stated Amex complies with all regulatory agencies and that I must pay my bills on time as per the XXXX XXXX.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account names : -XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NH)

XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
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