davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A. (TX)

XXXX, a collections company, continues to file derogatory remarks with all three credit reporting agencies. This company NEVER made any attempts to contact me to dispute the debt. I continue to dispute the debt because I do n't know who they are and have never had any dealings with them. A complaint was filed against Citibank, the original creditor, in XX/XX/2013. The original creditor removed all derogatory reporting from all credit reporting agencies in XX/XX/2013 because of their harassment, threats, unprofessionalism, and refusal to provide repayment thereby violating the Fair Debt Collection Practices Act. Now after XXXX years I learn they continued to bill charges to the account while failing to send statements of the ongoing activity for a year thereafter. There was NEVER any contact with the Citibank after XX/XX/2013. A complaint is also being filed against Citibank for the latter infraction that has just come to light.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Dear Sir or Madam : I have confirmation that there was the transaction that between my Checking account ending number in XXXX to the Citibusiness Checking account in the name on XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Branch on XXXX XXXX XXXX. The fund amount was {$50000.00}. However, I have not known the company, XXXX XXXX XXXX XXXX, until I have received the letter from your XXXX, TX, on XXXX XXXX. And I had not received the Personal Loan agreement until I have received the letter from XXXX on XXXX XXXX. In fact, I have a heavy XXXX and I have the Certificate from XXXX agency, and I have received a medication at XXXX medical center, XXXX XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX, XXXX. In addition, I have been hospitalized at XXXX XXXX Hospital ( XXXX ) from XXXX XXXX, XXXX to XXXX XXXX, XXXX. And now, I have hospitalized at XXXX XXXX Hospital, XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX. My heavy XXXX XXXX was known by many people include XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and the teller. 

I thought your teller, XXXX XXXX XXXX, and XXXX XXXX are friend and XXXX XXXX was a long-standing customer for XXXX XXXX at the time, XXXX XXXX XXXX. I had been called from XXXX XXXX many times and he said that XXXX can make new Business Loan because of my Credit Score and my fund at Citibank and he said that the teller talk XXXX XXXX can make new Business Loan with staying with XXXX. I visit your branch though I did not want to go to your branch. I felt to have already agreed new Business Loan between XXXX XXXX and XXXX XXXX before I visit to your branch. Therefore, I have not explained my personal loan, new CD account, and the transaction for the world. In fact my personal loan for XXXX XXXX 's Business Loan and the transaction had been made within just only five minutes. I think that I could not understand them due to my heavy XXXX XXXX even if they would explain me about them. In addition, I had not received the agreement of the loan and any documents at your branch. These processes were finished for just only five minutes. I have not used PIN code of my Bank card at your branch, I do not know XXXX XXXX 's mailing address, and his company. And I am not friend with XXXX XXXX though XXXX XXXX said XXXX XXXX is a friend with me. There is a possibility of discrimination of XXXX. It would be very big problem if the branch could discriminate my heavy XXXX XXXX.
Consumer complaint received 2016-01-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Due to a series of mistakes and/or misrepresentations made by Citibank employees in XXXX and XXXX, we were presented in XXXX XXXX with an unexpected balloon payment for our Home Equity Line of Credit ( HELOC ). Although we have been making the monthly payments on the HELOC, paying off the balloon payment would be a severe hardship. All we want, really, is the opportunity to continue making monthly payments. However, to date Citi 's employees have not found a way for us to do so. 

In XXXX, we got a HELOC with XXXX. It was set to have a balloon payment due after 15 years. That 's not the issue. The issue is what happened over the following 15 years. 
In XXXX, Citi bought the HELOC from XXXX, as well as our first mortgage from XXXX XXXX. In XXXX, we refinanced the first mortgage, with the understanding, from the Citi employee working with us ( XXXX XXXX, XXXXXXXXXXXX ) that the HELOC would be " replaced '' during the refinance. We were told that the terms of the " replaced '' HELOC would be 10 years as a credit line, followed by 20 years as a fixed-rate standard loan if any balance remained. 
However, contrary to what we were promised, the HELOC was not replaced in XXXX. Instead, it continued under the original XXXX terms. In XXXX, we refinanced our mortgage again. Again, we were told to " not worry about '' the HELOC. Again, it was left unchanged and remained under the initial XXXX terms. 
Someone at Citi failed to adjust ( " replace '' ) the HELOC under Citibank terms in both XXXX and XXXX. We would appreciate it if someone would investigate how it is possible ( allowable ) that our HELOC remained unchanged, and under XXXX terms, through XXXX Citibank refinance processes. 
In XXXX XXXX, we were told that we are in default on an unexpected balloon payment of {$68000.00}. This would be challenging to pay off under any circumstances, but, coincidentally, we are both currently unemployed. 
This interaction has become a comedy of errors and aggravation. We have dealt with at least a dozen Citi employees, none of whom appear to communicate with each other. Citi 's incoming telephone systems seem to be specifically designed to waste the customer 's time. 
Since XXXX XXXX, we have been attempting to work with the Recovery Department. We tried dealing with the " Executive Response '' team for a while, but were told that there was " nothing they could do '' and that they were the " top level of escalation ''. ( We sincerely hope that this is not the case! ) We could withdraw {$68000.00} from a retirement account ( with some tax penalties ), pay off the balloon payment, and move on. However, given that one or more Citibank employees is responsible for this problem occurring in the first place, we are still hoping that Citi can provide us with a better solution.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I previously opened a dispute with XXXX XXXX regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and one in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, XXXX XXXX replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (IN)

I have an account with CitiBank with a balance owed. I have closed the credit card and I am concerned about fraud. I am needing online access to the account to verify all purchases on this account. However, CitiBank will not give me access online nor verify all payments for the last 365 days.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

Had a credit card with Citibank XX/XX/2013. Citibank sent my account to collections agency and while still allowing me to make payments on the card. Never sent updated payment information over to the collections and reported I owed late fees and high interest rates. I obtained bank statements provided by Citibank to the collections agency that do not my payments and never received refund of my payments. Contacted Citibank and a representative was unable to assist. Citibank bank unnecessarily closed my accounts, failed to report my payments, and reported unnecessary fees.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

XXXX fraudulent Sears credit card accounts were opened using my name and address on XX/XX/2016. This complaint is for the XXXX of those accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX account, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NV)

I have been denied the ability to dispute these charges with my Citibank credit card.I received a denial letter, that said I was not able to dispute the charge, The charges I am requesting assistance in disputing were all made between XXXX and XXXX 2016, to XXXX XXXX XXXX XXXX and XXXX in the total amount of XXXX. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I got airline ticket from travel agency. It was round trip ticket and my flight is on XXXX XXXX 2016 from XXXX to XXXX XXXX XXXX XXXX. I requested to change my routing because of Clashes between XXXX And XXXX Government and 20 days ago the XXXX XXXX was shut down for three days and lot of passengers was stuck at airport. Now still in XXXX has 3 months Emergency Declared. I do n't want to use XXXX XXXX. I request to agency for rerouting my trip but they are not agree. And also they are not giving me half refund. 
I called my credit card company to dispute this charge and credit card company open dispute charge but did n't get my money. Now citi castco credit card company tell me that i should get my money on any other ways because they will not help me to resolve this issue. My request is reasonable because why should i go by XXXX XXXX route if there has some problems. I m so upset about the policey of citicastco credit card company. 
If you neend any other information about this issue please let me know and i will try to provide you. 
Thank you for your time.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I request a XXXX statement. 
XXXX XXXX of XXXX i requested i get my XX/XX/XXXX statement that it has not appeared. 
Additionally i request i get my XXXX statement and future statements be generated the 1st of the month to coincide with my other chase credit card statements and i was told it would be done. 
Now i am told i will get my XXXX statement on the 1st and it will be for two months that i will not get a statement generated on a monthly basis i will get two months activity on one statement.

i request monthly statements especially one for XXXX hopefully the period between XX/XX/XXXX and XX/XX/XXXX. 
To have a combined bi monthly statement or payment missing on credit reporting will reflect no payment information for the month of XXXX and it will reflect negatively on my score. I pay my bills in full every month and am entitled to a monthly statement. 
At no time did i request deferment of payment and i specifically requested a XX/XX/XXXX statement be generated on XX/XX/XXXX and was told it would be when in fact it was not. 
XX/XX/XXXX i was told it would be escalated to upper management and i will get a statement generated by XX/XX/XXXX. 
XX/XX/XXXX Credit card services XXXX XXXX told me he was a supervisor he said i would not get a monthly statement in XXXX and he hung up the phone. I called back and spoke with XXXX a supervisor in XXXX XXXX she told me after reviewing the XX/XX/XXXX and XX/XX/XXXX call that i requested not to get a statement on XX/XX/XXXX ; that i requested statement be generated on XX/XX/XXXX. Now i an told i will not get a XXXX statement and there is nothing that can be done by anyone at Chase. I am told i can view my charges on line and it was suggested i compute the charges myself to XX/XX/XXXX and make payment if i want to have my monthly payment made. 
This absolute is not what i requested. 
I request a XXXX statement be generated with any date in XXXX..
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

When I was a US bank customer there was several accounts closed due to fraud. I would submit all the paperwork they'd ask for police reports etc. And they would not do anything about it. They would say it was me authorizing the transactions when it was not true. One of the bank tellers when as far as opening a close Friday fraudulent account and reissuing a debit card and sending a pin for it. When I tried using the card it said that the card was not activated. So my question is why would he have opened a fraudulent account back up and issued a debit card? Then I was kicked out of the bank and found out that the employee had been temporarily dismissed from that bank or whatever it was and then he was back. I was threatened by the manager and several of the 10 bank tellers and they were and I was told not to return to the branch when I asked for paperwork that I was entitled to as far as bank statements to see where the transactions, the amounts, dates, etc
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I applied for and received a credit card with American Express on XXXX XXXX, 2016. The bonus offer was XXXX Membership Reward points if I complete XXXX in spending before 90 days ( XXXX XXXX, 2016 ). I completed my spending requirements and was initially given my XXXX points on XXXX XXXX, 2016. Then, because this promotion was made in error by American Express, everyone who was given this card on XXXX XXXX had their points frozen pending a fraud investigation. I utilized the chat function on the AMEX website to voice my displeasure with this event because I needed those points to be available when I was promised them due to booking a family vacation. I chatted with XXXX at AMEX and let him know that I wanted to downgrade my card to another product that utilizes Membership Rewards but that I was worried I would lose my, at the time, XXXX MR points. He assured me not only could I change products, but that I would be given my full annual fee back and I would be able to keep my points, as long as I changed to another card that used those points. I took screenshots of this conversation for proof. I was then told that the review would be 6-8 weeks from when the points posted ( XXXX XXXX ) and nothing could be done to expedite. I waited until that time had passed, and my points were still frozen. I called the Rewards Department at AMEX on XXXX XXXX, 2016 and spoke with XXXX. She told me my account was under additional review because I changed products but there was nothing to worry about, it was OK to change products, and my points would be cleared by XXXX XXXX provided I had not committed fraud or returned mass items. Now today, XXXX XXXX, I logged in to find I had XXXX MR points deducted from my account. I first used the chat feature on the website to ascertain why. I was told it was because I changed products. I asked to speak to a supervisor due to the fact that I was told by XXXX different AMEX employees that I would be OK changing and keep my points. Supervisor said I had to call in to discuss. I called in and spoke with manager XXXX in Rewards and he informed me it could be for fraud, returning, or changing products. I have now had to wait 9 weeks for points I rightfully and legally earned. I did not cheat the system, make mass returns, or violate any policies. I spent, after minimal returns and fee adjustments, a total of {$3500.00} in the allotted time of 90 days, needing only {$3000.00}. I will also include my statements for the time in question to prove that fact. I am asking for assistance in getting my XXXX MR points back that I rightfully earned. I would like to avoid having to obtain legal assistance, but will if I have to.
Consumer complaint received 2015-04-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I requested debt validation from Midland per Texas Finance Code Section 392.202. I received a response letter in the mail from them stating that the purpose of the letter was to advise me of the results of my dispute. They also stated in the letter that they would be placing dispute comments on my credit report. 

I did not dispute the account, I was simply requesting debt validation. 

I believe they are purposefully treating a debt validation under Texas financial code as if it were a dispute under the FCRA. I believe this is an abusive application of the FCRA dispute process as placing dispute comments can derail credit applications. 

In addition they did not provide me any of the debt validation information that I requested and is required by Texas financial code.
Consumer complaint received 2020-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I purchased a flight to XXXX scheduled for the end of XXXX (XX/XX/XXXX ) from XXXX for {$370.00}. The airline cancelled the flight in response to the Covid-19 pandemic. Per the airlines website, they indicated that refunds were available, and I should contact the travel agent I booked with in order to receive my refund. I called the merchant, XXXX, to request a refund. XXXX does not provide a toll free number for support, and so I was forced to make an 87 minute international call. I was on hold for more than an hour before finally speaking to a representative, who informed me that I would receive a refund within 2-8 weeks. 

I provided Capitol One with my initial receipt, as well as cancellation emails from both the airline and the travel agent. I included the relevant section of the carriers website indicating that I was entitled to a full refund. I even provided them a copy of my phone bill showing the 87 minute international charge. They have however refused to return my money.
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 XXXX FCRA. A data furnisher is required to respond to a dispute within 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded. They are also in violation of the CFPB consent order against them from last XXXX 2015.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (ID)

In XXXX of 2016, I noticed that Midland was reporting this collection account on my credit report. I sent a letter asking them to validate the debt. They returned a letter saying they were unable to understand the nature of my dispute. I responded in a letter in XXXX, summarizing my first letter and once again asking them to validate the debt. I only received bills and settlement offers, never validation. I again requested validation in early XXXX. They failed to provide validation as required by federal law.
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Ross, Stuart & Dawson Inc (MI)

I am in a dispute with a former landlord from 2014, the landlord did receive my 90 day notice to vacate on XXXX/XXXX/2014 by certified mail # XXXX XXXX XXXX XXXX XXXX, along with my request that " ALL '' correspondences be sent to my attorney, yet his collection company has disregarded my request. I continue to dispute the debt and refuse to make payments. The agency also has not provided any options in there validation letter advising me of my rights if I disagree with the client.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY CREDIT SCORE.