davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I have the Citi card for Costco. Costco sold me on getting the credit card because Citi is supposed to extend the manufactures warranty 24 months if the item was purchased at Costco. I purchased an XXXX XXXX waterproof camera XX/XX/XXXX for {$410.00}. While on vacation XX/XX/XXXX I took the camera on it's 2nd snorkel trip in water 3-4ft deep. The camera took pictures just fine but as we were leaving I noticed the screen looked foggy and water had slowly leaked in. The camera had leaked, destroying the camera. This is my 4th water camera so I am very familiar with making sure the seals are clean etc. It was the 2nd time I used the camera in water so it was evident it was a manufacturers defect. I called XXXX and they said they would cover it had it been within the 1 year period, since what I described was clearly the camera having a defect since it is supposed to be waterproof. I contacted Costco and they told me I was under the Citi warranty. I filed a claim with Citi and they have been beyond difficult about paying my claim. My claim was denied the 1st time because they claimed Costco Concierge service should cover my warranty. Well Costco doesn't cover cameras under that warranty. I would think Citi would know this since they partnered with Costco for this credit card, so I felt like I was getting the run around. They reopened my claim and denied it the 2nd time stating the camera got wet so it isn't covered. I explained to them again IT IS A WATERPROOF CAMERA. They opened my claim again and denied it a 3rd time stating again the camera isn't covered because it got wet. I explained to them again like I had since the very beginning of my claim that the camera is waterproof and I have contacted XXXX and they stated it is in fact covered under their 1 year warranty. XXXX said if salt water got in the camera they would just replace it for me because a repair would cost more than the camera. I explained all of this again the the Citi rep. Keep in mind they play dumb each time and act like they didn't know it was a waterproof camera etc, much like they played dumb they didn't know Costco doesn't have an extended warranty on cameras. The Citi rep told me if I could get XXXX to put in an email they they would cover it under the 1 year warranty he thought Citi would cover it. That was about 2 weeks ago and I haven't heard back. I had Costco Concierge services call Citi on Friday XX/XX/XXXX and they again said they are denying my claim. I have a valid claim that I opened with them in mid XX/XX/XXXX. I feel like I have gotten nothing but the run around in the hopes that I will give up and they get out of paying. The entire reason I got the Citi card was because Costco spoke so highly of it and how it extends warranties. I believe they are denying me a completely valid claim so this is why I am reporting it. My Citi claim number is XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2019-07-06
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: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX 2019, I discovered that my AMEX / Bluebird card was hacked for 2 unauthorized transactions totaling {$200.00}. I also received an alert from Bluebird that the same company ( XXXX ) or XXXX XXXX XXXX I couldn't get anyone to cooperate and explain how they blocked 1 unauthorized attempt for {$1500.00} but allowed the same company to hack my account for {$200.00}. I requested 2 dispute resolutions and also requested Bluebird to email a declaration of fraud and they refused. 3 out of the 7 calls I requested a manager / supervisor and after being on hold for 20 minutes I am transferred to someone and phone disconnects. American Express Bluebird is guilty of fiduciary negligence / breach of security and allowing my SSDI direct deposit funds to be hacked. As a  XXXX person I demanded a provisional credit until funds are back in my account and that was denied. This is second time within 6 months that my account has been hacked and I will be shutting this card down and consider taking legal action against AMEX / Bluebird. Complaint also sent to FBI IC3.
Consumer complaint received 2019-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (IL)

My loan with XXXX XXXX was disbursed XX/XX/XXXX. My payments do not start until XX/XX/XXXX. Since the disbursement I have received monthly " billing '' emails, although these emails always ( correctly ) stated that a payment wasn't actually due and any payments I make would be optional. Then suddenly in XX/XX/XXXX - two years after the loan disbursement - XXXX XXXX started showing amounts that they stated were due ( even though my repayment start date, again, isn't for another three years ). On XX/XX/XXXX they charged me a late fee, even though - again - my repayment start date isn't until XX/XX/XXXX. Because of this late fee for absolutely no reason, my credit score dropped six points ; so now I have to go through the hassle of filing an appeal with the credit reporting agencies because XXXX XXXX is trying to collect on payments that aren't even due yet. I contacted the rep at XXXX XXXX who sent me the payment due notice to ask for an explanation of what they were doing, and after not getting a response for over two weeks I then contacted the VP of customer service at XXXX XXXX, XXXX XXXX, and he also chose not to respond ( it's been ten days and counting ).
Consumer complaint received 2019-07-05
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: Experian Information Solutions Inc. (GA)

I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXX asking them to report my credit history accurately. I received a letter datedXX/XX/XXXX stating that they were reporting the information accurately. 

I have written, XXXX, XXXX and Experian asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter in the mail on XXXX/17 stating the State of Texas cause no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs Me subpoena for oral deposition as aid to enforcement of execution ... does n't not inform me of who or what this is trying to collect for, no amount stated, no return contact information ... all is says is show up on this date to some office building, not a courthouse an office. am I suppose to just show up and sure let me give you money, if I am summons for court or trying to be sued I need to know for what! I feel this is not a legitimate or legal action that I have been subjected to, is this from debt they purchased for another debt collector that could be beyond the statue of limitations or what is this from?
Consumer complaint received 2019-06-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (GA)

Our XXXX year old son hit a car in a neighborhood on XX/XX/XXXX. The woman whose car we hit went through her insurance and a collection agency for the damages, which we took responsibility for. In XXXX of XXXX, my husband received a call from XXXX  XXXX of Stuart Lippman and Associates requesting the amount of {$5800.00} to cover damages. At this time we had no bill to go over charged with him. He informed my husband that something came in the mail ( it had not ) and he would also email it ( also did not ). He demanded a down payment of nearly XXXX upfront and XXXX a month, which we responded was not possible. We ceased communication at that point as we attempted to go through home owners, which denied us XX/XX/XXXX4. Again, we have received 3 communications from Mr. XXXX. 1 on XX/XX/XXXX when he gave the figure XXXX to my husband who wrote it in his book. 2 When I spoke with Mr. XXXX on XX/XX/XXXX regarding an invoice he sent at XXXX with the amount owed as {$5800.00}. 3. On XX/XX/XXXX at XXXX an invoice for the amount {$5800.00}. During occasion 2, Mr XXXX and I were going over the invoice as he showed me what added up to the amount owed. About 20 minutes into the conversation Mr. XXXX stated XXXX had every right to demand XXXX from us. I stopped him there and asked was he mistaken with that figure. He stated no, that was the amount owed. I asked him where in the document I could find this and he told me to hold, coming back a moment later asking me where specifically I was looking and then to just go ahead and throw that one out. Mr. XXXX then continued to speak of payment of this larger figure, to which I said I would not continue or agree to anything without a correct bill. He intimidated me saying he had calls on hold and he needed to say his piece, which I didnt allow. We ended the conversation. At XXXX that same day I received an email with a note in the body stating please see correct documents requested. Satisfied that his response was quick and I could see a breakdown for the total of {$6400.00} only to find the same invoice that was previously sent for {$5800.00}. I have sent two emails since requesting the information I am owed before my first payment of {$1000.00} is due XX/XX/XXXX. We have received no response. I do not feel comfortable sending in payments for a claim I have received ever changing figures for. I should have had those invoices in hand before Mr. XXXX initially called my husband threatening to revoke his license. It is an extreme amount to pay with no assurances how much is due and if that amount will change again. It feels like that are pocketing money.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Someone hacked my account, got my information and forged my signature and deposited almost 20K worth of fraud checks into my account in a matter of 2 weeks and then used quick pay to send the money to themselves. I didn't authorize any of this. Chase failed to notify me of any of this. I had almost 1k  in my account and within the 2 weeks it was negative XXXX. I filed a police report and a claim with chase. Chase is saying i authorized these transfers and are telling me i have to pay the XXXX.
Consumer complaint received 2019-06-14
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. (MO)

My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX  4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Consumer complaint received 2019-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

In XXXX of XXXX my monthly mortgage payments went up {$700.00} a month, and my mortgage company Loancare A ServiceLink company told me because my taxes went up. I got my tax information from my city they said they never went up and never falsely reported that to my mortgage company. I paid two months at the higher rate, and phone in multiple times. Finally after I emailed documents into the company they adjustmented my payments back down to what they should be. The same scenario is happening again. My payments have gone up by almost {$400.00} since XXXX of XXXX. I called in, their customer service department told me the had the wrong calculations for my XXXX taxes and I need to pay the money back to my escrow. The math when they were explaining it over the phone to me did not add up, especially because my taxes have not hardly changed at all in the last three years. They transferred me twice to a line that led to no one. I emailed their customer service department today XX/XX/XXXX my XXXX tax information. I have very little confidence that they will correct the situation, and I am concerned with the way they were trying to bamboozle me with the math over the phone. I had a friend of mine in the mortgage industry look at the mortgage, and she said my loan was simply put shady. I need assistance looking into this issue, thank you so much.
Consumer complaint received 2019-06-15
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: EQUIFAX, INC. (GA)

I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the XXXX as this is not my account.
Consumer complaint received 2019-06-15
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. (UT)

In approximately XX/XX/XXXX, I received information from Equifax that an old account from XXXX XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my Equifax and XXXX credit reports. 
I attempted to file a dispute through XXXX XXXX with Equifax regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in XXXX minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

while living at my dad 's house, my dad had rented a room to XXXX XXXX, I don't know much about her excepat she came from Michigan and she leaving to go in XXXX CA. She had accessed my room to my information, my accounts and opened up several credit cards. She also had access to mail box. I noticed everything after i ordered my credit report. I notified every one and I file police report also identity theft.gov i filed. Now every body says its over year you have to pay for charges how is that possible? i be responsible all this money? 
Sychrony Bank : - XXXX credit card - Gap Card - TJX Reward car - Banana Republic card All with sychrony bank, the investigation was done by the bank and i was notified by letter from the bank.
Consumer complaint received 2019-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

PLEASE REFER TO THE ATTACHED : In XX/XX/2018, I disputed to get Equifax to remove the attached XXXX Credit Card information ( # XXXX ) from my Equifax Credit File/Report. I have also called Equifax, but get no action taken.This credit information is INACCURATE cause I have never reported a XXXX Credit Card, or any Credit Card, LOST or STOLEN ; additionally, this credit information is MISSING INFORMATION and especially have NO HISTORICAL ( PAYMENT ) DATA.
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (FL)

I have contacted Equifax several times about a hard inquiry appearing on my credit report dated XX/XX/2019. The inquiry shows it is from XXXX on printed report and as XXXX on XXXX XXXX. 

In my CFPB complaint # XXXX ( a copy attached to this complaint ), XXXX replied with the following : " We received an application on XX/XX/XXXX using information that verified to you. We accepted the application as fraud on XX/XX/XXXX after speaking with you. We were unable to locate any letter from you regarding this matter previously. We asked the credit reporting agencies to mask the credit inquiry from your credit report on XX/XX/XXXX and again on XX/XX/XXXX, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. This will not negatively affect your credit report, and it will not be visible to creditors. " XXXX has stated that they informed Equifax " to mask the credit inquiry '' but Equifax has failed to do that.
Consumer complaint received 2019-06-14
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. (AZ)

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NV)

I had visited a restaurant in XXXX, XXXX on XX/XX/2024. I have written and followed up on a fraudulent charge on my credit card dated XX/XX/2024. I initially submitted a fraud inquiry, but the charge was removed by NFCU fraud department instantly without explanation until i called back the next morning. I was told it was because there wasn't enough evidence, I asked what evidence they needed and I was told a receipt, payment, a picture of the menu, etc. Since then, I have provided all the evidence I possess, except for the receipt, which I was never given or asked at the time because I didn't feel necessary. 

Unfortunately, the restaurant in question is unreachable, as they have no email, phone number, or website. Ive already worked with Navy Federals fraud department five times, but I am still unable to resolve the issue. Ive been repeatedly advised to contact the restaurant, but XXXX only provides the locations coordinates, with no further contact details. 

Given my lack of options and inability to reach the merchant, I am requesting that the credit card company assist me in this matter by conducting further investigation on my behalf. I have exhausted all available avenues and would greatly appreciate your due diligence in helping to resolve this issue. 

I had spoken with both the supervisor and dispute representative and have been told that unfortunately there is no receipt, they can't help me at all. The fraud/dispute department was made aware and have even given me the address that they pulled off of the credit card charge and told me to do my own research and give them a receipt before they would do anything otherwise, I will have to take on the {$2200.00} overcharge and they can not help me.
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (FL)

CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible having a late payment status and charge off all on the next month?. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not..CHILD SUPPORT ENFORCEM XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (PA)

This company claim they transfer this debt to XXXX XXXX XXXX XXXX and if it was true then why are they currently reporting late payments on my credit report I have proof that this company is still actively reporting on my credit profile with to recent late payments.