davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
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 booked two round trip tickets from a travel agent called " XXXX  '' on XX/XX/XXXX. The tickets cost me {$1000.00}. However, the flights were canceled by the airline " XXXX XXXX  '' due to COVID-19 on XX/XX/XXXX. Ever since then, I've been dealing with this travel agent to get my refund for the cancelled flights, no success however, so I opened dispute on the credit card - Citi Business Platinum Select in early XXXX. Dispute ID : XXXX. 

I am entitled for a full refund and have provided all the evidences and documentations to Citi bank. However, the dispute took more than 4 months and during the whole procedure Citi bank dissolved this issue for the merchant favor several times again and again. It's so disappointed that while Citi understands that this travel agent refused to refund for no reason, still they don't stand behind their customer and can not protect customer 's benefits. 

Please see the reasons why I am entitled to get my full refund ( {$1000.00} ) back : First, according to the US Department of Transportation official travel refunds policy, passengers are entitled to refunds of the airline cancelled a flights, regardless of the reason. If a passenger is owed a refund, an airline, travel agent, or online travel agency must process it within 7 business days if the passenger paid by credit card. The link is provided below and webpage PDF is attached https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds Second, the travel agent stated that the Airline is not providing any refund as of now. This is not true. The Airline of the canceled flight is XXXX XXXX. XXXX XXXX  has clear refund policy online : For the involuntary cancelled flights, if no portion of the ticket has been used, the entire paid fare will be refunded. Again, the link of XXXX XXXX online refund policy is provided and the webpage PDF is attached https : XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Due to COVID, tons of passengers were infected and a lot of us are not getting money back. Because some travel agents act unethically and do not obey market regulations, hopeless customers like me have no choice but to seek for help from credit card company. Its so disappointed that citi bank does not stand behind its customer when there is official travel refunds policy from the US Department of Transportation and the travel agent/merchant stands no ground at all.

Now it's been almost 5 month and I still have not got my money back. Citi has closed my dispute again ( during the past 4 months, my dispute was closed by Citi several times ). Please help. I am hoping to get my refund {$1000.00} back. It's a lot of money to me. It's very appreciated if you can do any help.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My mortgage company, XXXX XXXX XXXX ( XXXX ), reported with XXXX  and Transunion that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and Transunion disputing that error, but XXXX sent them ( XXXX  & TransUnion ) a  response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Consumer complaint received 2020-08-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (CA)

We opened 3 CDs at San Francisco Federal Savings and Loan Association ( SFS & L ), two on XX/XX/XXXX and one on XX/XX/XXXX. We didn't do anything with them until XXXX, XXXX when we came across the bank books and tried to find out where the money is. The SFS & L has changed hands several times becoming XXXX XXXX, then XXXX XXXX, then XXXX, and is now owned by Citibank. We contacted Citibank, who claims no knowledge of our accounts.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OK)

I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.
Consumer complaint received 2023-03-23
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. (VA)

I have disputed XXXX  XXXXXXXX XXXX XXXX with the bank and with the credit bureaus. The information is incomplete. I will post pictures of this violation and now i want the account deleted and removed from my credit report.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ALLY FINANCIAL INC. (OK)

I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (IL)

To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$10000.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Hillcrest Davidson & Associates (VA)

XXXX XXXX XXXX of XXXX, Va. struck up business with me XX/XX/XXXX. A contract agreement was set in motion. I gave them a cancelled check to debit my XXXX XXXX XXXX acct for {$39.00} onthly. THEY FAILED to have a functional office staff to get the payments started. They began a draft to my acct. on XX/XX/XXXX & XX/XX/XXXX, nothing in XXXX. Why? Turned me over to a collection agency : Hillcrest, Davidson, & XXXX. who have called with harassment, etc.since XX/XX/XXXX each day ( XXXX times/day ). I had surgery on XXXX, had my daughter to fax cancelled check copy, copy of drafts from my checking acct, copy of orig. contract. Now that I HAVE defaulted on contract ... things have " accelerated '' and I owe {$3500.00}. Or, I possibly can reinstate for {$560.00} by XXXX XXXX. These people target XXXX customers ... with whom I was with before XX/XX/XXXX. I believe they target XXXXXXXX/I am XXXX ... XXXX customers in the hopes they we do n't notice their lack of business skills & get caught up into the mess I 'm in. This happened to a friend of mine ( XXXX yr old XXXX customer ) who lives in the northside ... but she could n't talk when approached because she is her mother 's caregiver. She told XXXX to come back " next week ''. In the meantime she called XXXX and was told what has been going on. When XXXX returned she had her cell phone ready & recorded the exchange & says she too the salesperson 's picture. She told him to get off her property & told him never to return. She was spared this mess. I have apologized to XXXX ... twice & I want them back ... if I am ever able to get out of this! The lie was " upgrading to wireless '' & save a little bit of money ( from {$43.00} to {$39.00} monthly ). What are my " rights '' in this " set up ''? XXXX & XXXX ... installers & monitors seem to have it all in their court.
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

I have never received any communication from Phoenix Financial prior to them putting this {$1500.00} debt on my XXXX and XXXX  credit reports. No letters, nothing. In the two reports they claimed my first date of delinquency was XX/XX/XXXX, yet I didn't even go in the hospital until XX/XX/XXXX so how could I be delinquent before I went in the hospital? Is this even my debt? I don't think so. All medical debt incurred for my ONE hospital visit was paid by my SSI XXXX insurance so I truly believe this to be a scam. 

For months Phoenix Financial reported this unverifiable medical debt to my XXXX and XXXX credit reports erroneously. After disputing this debt online and sending Phoenix Financial a debt validation letter ( with no response ) XXXX and XXXX removed this debt from my credit reports. Fast forward a few weeks, to today, XX/XX/XXXX. I was alerted to activity on my XXXX   credit report. It turns out that Phoenix Financial is now reporting that same bogus medical debt that was removed from XXXX and XXXX now to my XXXX report AND IF THAT WASN'T BAD ENOUGH, they duplicated it and reported the same account for the same amount of money FOUR TIMES, EACH with a different " open '' date and none of the dates matched the date they first reported on my other two reports.

That's right, they took the same {$1500.00} debt and duplicated it four times using different " open '' dates. These are highly deceptive, fraudulent practices by this debt collector who is knowingly breaking federal law under the FDCPA. If they don't remove these false debts from my credit report I will sue them and I will win! This is criminal and I will not continue to let them harass me like this. I appreciate any help you can give me with this rogue company. Thank you.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Processing Group LLC (TX)

On XXXX/XXXX/16, I received a phone call on my personal cell from XXXX XXXX with National Processing in regards to a checking a credit reference for a gentleman named XXXX XXXX I did n't know personally. I indicated that I was not sure who she was talking about and I was not vouching for someone I did n't know or had given permission to use me as a reference. I indicated to XXXX XXXX that me being listed as his reference could be a mistake because my son, who shares the same first and last name with me, did have a friend who I vaguely remember under a similar name but I was n't sure. How he got my cell number is unknown to me. But she acted as if I was blowing her off and told me in a nasty voice that I should n't let people list me as a reference then! I asked her not to call me again regarding this again and hung up. Today on XX/XX/2016 at XXXX, XXXX XXXX calls me back on my cell and leaves a message for me to return her call by XXXX today regarding a check case with XXXX XXXX XXXX or the case would be turned over to the XXXX County DA and I would be deposed for a deposition regarding his case. So I immediately called back and opened the conversation by stating my name and I was returning her call and gave her the case number upon request which she left on the message. She then asked if this was me and I indicated that I just told you my name at the top of the conversation so why are you asking again? She responded angrily that I was getting smart with her and did not have to deal with me. I called back and she hung up on me. I called back and another lady answered and I asked her to nicely tell XXXX XXXX that I am not associated with XXXX XXXX and to please not call me and that I would be filing a complaint. She said she would. My complaint is that the company 's tactics are unethical and unruly to contact me and falsely make me think that they were initially checking a credit reference and yet they are really a collection agency. I have clearly asked this company to stop calling and harassing me over this man 's account and yet they still persist in doing so. I want this harassing action to cease and take whatever action against this company that the law allows. Thank you!
Consumer complaint received 2020-08-29
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: CCS Financial Services, Inc. (FL)

On XX/XX/2018, CREDIT COLLECTION SERVIC added a Derogatory Mark on my credit report per 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 signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT COLLECTION SERVIC has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

according to sunoco rewards card there saying on my account that im just making mimium payments WHICH im not and that my account is XXXX plus change I honestly believe believe this is wrong Ive been paying XXXX amonth never later or miss this was there reply Our record reflects that your account has revolving balance of {$1000.00}. which requires minimum payments each month as noted on your statement. Furthermore, Interest charges begin the day a charge is this was mine reply First of all I make more then just minimum payments and second my account showing more then XXXX it showing close to XXXX so your telling me i have XXXX in INTEREST no way I dont have any promations Ive never been LATE OR MISS ANY PAYMENTS I WANT THIS STRAIGHTEN OUT
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian is reporting three medical collection accounts from XXXX XXXX XXXX XXXX on.my credit report. I have disputed these medical collections as they are not mine. the company refuses to verify details of the medical services provided because they are not mine. XXXX  and XXXX  both investigated and removed the erroneous medical collection accounts from my credit reports. Experian refuses to remove the accounts or provide information regarding the medical services or evidence of ownership. i have no documentation or evidence as they are not mine.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (TX)

Good morning My wife and I have a problem with : Money Network Cardholder Services related to the Economic Impact Payment Card. 

We have called their customer lines several times but We were unable to contact someone to help us with this request, the available options are only with a card number, but this is not our case as we never got one. We have also sent to certified letter through USPS and XXXX and  both have been returned saying the company moved from that location, but that is the only address shown on their website. 

We received a White House letter on XX/XX/2020, and notice number XXXX XXXX XXXX XXXX which indicated we are receiving an economic impact payment of {$2400.00} by check/debit card, nevertheless, so far, we have no received it, reason why, we contacted to the IRS to get more information about it. The IRS informed us that Money Network Cardholder Services is in charge and responsible for sending the cards with the economic impact payment so we contacted them directly with no response. 
We daily carefully check our mail but nothing has arrived yet after almost 4 months where even my neighbor got it. 
We truly appreciate your prompt reply to this request, due to the current situation, we really need this economic assistance. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help .... 

Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX 
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC (CT)

a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. 
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 

I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MI)

I have been in my current home since XX/XX/XXXX. It was purchased jointly with my now estranged wife, she moved out of the home on XXXX XXXX, XXXX, due to our work schedules we never got around to filing for divorce. As the economy collapsed in XX/XX/XXXX, I lost my job and had to file for Chapter XXXX Bankruptcy, eventually converted to Chapter XXXX. In XX/XX/XXXX I was able to obtain a loan modification that knocked off approximately {$100.00} a month, and put me in a XXXX year loan. I was able to complete this loan modification with only my notarized signature. I XXXX in XXXX and filed for Social Security XXXX benefits, during this time I had zero income, I was on the XXXX program and I was able to apply for a loan modification with the help of my US Representative 's office as they contacted XXXX XXXX and XXXX XXXX eventually offered me a modification on a XXXX month trial period, which I completed and I finally received the paperwork to be signed, notarized and returned, only this time, they are requiring that my estranged wife, who walked away XXXX years ago, must sign the documents as well. They wanted the documents returned by XXXX XXXX, XXXX, which I was unable to do for the reason stated above. I spoke with my estranged wife and she has agreed to a simple, uncontested divorce and I am asking Citimortgage to extend to me the allotted time to complete the divorce as I have have continued to make timely payments, based on the proposed modification, yet they notified me that they have revoked the modification and will proceed to foreclosure if my account arrearage is n't brought current before the close of business on XXXX XXXX, XXXX. I have been stressing and fighting to keep my home for some time. I just want peace of mind and would like to stay in my home.