davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
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. (NY)

I purchase an item from a merchant for XXXX dollars on XX/XX/XXXX. My item said it was delivered sign by someone I dont know I contacted my seller they said they will investigate at the end of the investigation they ask me to contact my bank in which I did on the XX/XX/XXXX after the merchant finish investigating and didnt offer me a credit. On XX/XX/XXXX I receive a letter from citi bank asking me if me or anyone I know use my card to make a purchase from XXXX  to sign and date the letter which I will send a copy of clearing letting them be aware I know of the charge I did respond with a yes and I even called them to let them know my charge is valid and I never contacted them about a fraudulent charge like I mention earlier I disputed my charge on WednesdayXX/XX/XXXX at XXXX I use my mobile phone and disputed my charge under the term item not recieve I later receive an email which I will also send a copy of that XXXX have receive my disputed charge and that in two days I will receive a conditional credit. On the XX/XX/XXXX I receive another letter from XXXX that I have acknowledge that the charge was valid and if I need to resolve the issue contact the merchant directly that since I said it is not an unauthorized charge and they are reversing their conditional credit and closing the case, upon receiving this letter I contacted citi bank I was told that a mistake was made and they will rectify it cause two disputes was open with the same merchant I mention that the dispute that I have open is datedXX/XX/XXXX and I receive a letter on theXX/XX/XXXX of fraud charge again I was assured it would be taken care of since its a mistake from citi bank, i also told them I can not open two disputes at one time since Im only allow one dispute to a merchant I called several times about this issue I was told the back office is working towards it I rely on citi bank to solve this issue since it was not my fault which the assured they would, I made a call today XX/XX/XXXX to follow up on the charge and then I was told that citi bank had lose the chance to dispute the charge since it was put as a fraud charge I ask the question who put it as a fraud charge I couldnt get an answer to my question I went to my dispute details and ask for them to read what is stated as the reason for my dispute which clearly states item is not receive dated Wednesday XX/XX/XXXX on their website have nothing about fraudulent charge or the date they send a letter to me it have the date I open the dispute XX/XX/XXXX and the reason for dispute is item not Receive and not a fraudulent charge and citi can no longer do anything to help me with this charge I have to pay for an item I have not receive and cause of Citibank mistake Im paying the consequence s can you please look into this issue for me so I can get back my money Im a XXXX trying to make a living I can not lose XXXX for Citibank XXXX
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I had a citibank Credit Card ending in " XXXX '' In XXXX way back in XXXX which I hardly used, I migrated to United States in XXXX and there are lot of fraudulent transactions on that card which are not authorized by me. I just went to XXXX after 8 years and came to know that Citibank has made a huge bill on my credit Card and have ruined by credit ( Credit is known as XXXX in XXXX XXXX. I also filed a police complain over there regarding this and submitted it to the Citibank in XXXX but Citibank does n't want to take any action, they are not helping me out and this greedy company just want to take out money from me. 

I even spoke with the Supervisor of Citbank customer care " XXXX XXXX '' back in XXXX, but he is just giving excuses and doesnt want to help. 

I want Citibank to waive all the balance and also clear negative report on my Credit ( XXXX )
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXXXXXX XXXX put to collection Portfolio Recovery the amount of {$490.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX   and XXXX  or provide me any signed documentation or any other proof of me authorizing this account.
Consumer complaint received 2022-02-20
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: CITIBANK, N.A. (OK)

Best Buy added {$190.00} for XXXX XXXX charges that were to be removed. Contacted Best Buy, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call Citi Card customer service back to help with any credit issues. I was also told by Citi cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to Best Buy on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX did not have a supervisor available, so a Best Buy supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from Best Buy stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My Best Buy Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem two years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( XXXX ) to clear the wrong that has been done to me.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I called Bank of America for a new car loan. I am a Preferred customer with many accounts with Bank of America. After reading on the website about the process, instead of applying online I called to talk to a loan specialist directly. The website was having issues so it would not pull up area dealerships that are " franchise partners '' with Bank of America for auto loans. The very first question I had was if the particular dealership I wanted to purchase a car from was included on the list. I was asked what type of car I would be buying. I gave this information to the agent and was told that they would be an authorized dealer. From there it was a heavy push for me to apply on the phone for the loan. I consented to doing this as well as asking several questions along the way. Prior to running my credit for approval I asked several more questions. I further asked if it was as simple as taking the access code for the loan, giving it to the dealer and they would know what to do and I was reassured that this would be the case. Once I was given this information I consented to my credit being run. I was approved and quickly passed on to another individual to go over other terms. This individual asked me for the dealership information, which I gave her. She then gave me different information than the first individual stating that this dealership is not one of their " franchise partners '' so I would not receive an access code, but rather I would have to get a purchase order for the car, send it to Bank of America and then several days later they would send me a check to take to the dealer to purchase the car. I then stated that the whole reason I called to begin with was to ensure that this dealer was one of their " franchise dealers '' and was told by the first person I talked to that it was. The second individual apologized and said that they should have given me the correct information. At this point my credit has already been run under me getting false information. 

My plan was to purchase this vehicle in the next day or so. I asked the individual how this was supposed to happen and she simply stated that maybe the dealer would allow me possession of the car and I could take the money to them once I have the check. I doubt that a car dealer will let me drive a new car off of the lot without any payment for the car. In addition, the whole process was set up such that I was initially put into contact with an individual that was only trained to answer broad questions and push individuals into applying for a loan. This was a very misleading process that resulted in my credit being run on false information that I was given prior to me consenting for my credit to be run.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have an open case since XXXX with the CFPB # XXXX A quick refresh ; Experian is still reporting said company " XXXX XXXX '' on my credit report. 
" XXXX XXXX '' is conducting business under a new XXXX XXXX, or other XXXX XXXX 
Not XXXX XXXX ''. Yet Experian repeats that they are reporting correctly? 
How in XXXX 's name is that possible? A ghost company is reporting on my credit report? 
I received no validation from XXXX XXXX, because they do not exist. 
I want this removed from my credit report for this reason alone. 
They, Experian is not abiding the law, if not removed by Experian, I will take my complaint from XXXX and sue for credit damages from that date to present. 
I can wait until it falls off in XXXX automatically, it is the principle now. 
That Experian should be held accountable.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

I've disputed through XXXX, multiple times about medical debt with company " Commonwealth Financial Systems '' I did my dispute through XXXX XXXX, and since the most recent update I am unable to view the past dispute dates. However I do check my " score/report '' update every 1-2 weeks. I've ask XXXX to verify that all of the account information. Ever since I've disputed a few months ago ( the first dispute starting around XX/XX/XXXX ) the collections account will be deleted and re-added at random intervals. The amounts vary between $ XXXX {$2000.00} ( The current amounts are ( a ) {$1500.00}, ( b ) {$1500.00}, ( c ) {$1100.00} ). 

" A '' was reported onXX/XX/XXXX " B '' was reported on XX/XX/XXXX " C '' was reported on XX/XX/XXXX It's just frustrating when I dispute and get the issue resolved just to have it return as a " new '' collection within the next month. My credit keeps taking hits because of this. 

*I 'd also had the same issues with XXXX  but the amounts were assigned to a different collection agency ( they havent been reported again after dispute ) * **The same information is being reported to XXXX as well**
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MT)

I been victim of identity theft then inquiry without my knowledge from XXXX XXXX XXXX XXXX Experian is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX XXXX then now I am not sure what else to do anymore then all my credit report Beau XXXX me up XXXX and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX off by police and sheriff and feds then plus treated as a XXXX XXXX  to abuse the XXXX and XXXX and my family too doing this to me sinceXX/XX/1977too and growing up so XXXX since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and no one will help me to get me out of XXXX and XXXX domestic XXXX and XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a bot or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

My mortgage is through PNC Bank. I received a delinquent real estate tax bill on XX/XX/XXXXfor total of {$590.00}. The taxes were dueXX/XX/XXXX for the amount of {$540.00} I contacted PNC Bank and found out they used a company called XXXX to pay {$2600.00} from my escrow account to pay taxes on XX/XX/XXXX. I immediately contacted the Treasurers office and found out that my escrow money in the amount of {$2600.00} was used to pay another persons real estate taxes. OnXX/XX/XXXX the treasurer refunded {$2600.00} to XXXX due to XXXX requesting a refund. That money was never placed back into my escrow account.

I found out that XXXX made a payment on my taxes on XX/XX/XXXX in the amount of {$540.00} ( which was the correct amount ). On XX/XX/XXXX XXXX  requested a refund of the {$540.00}. The treasurers office refunded it and that made my taxes delinquent. On XX/XX/XXXX payments of {$560.00} and {$23.00} were received from PNC Mortgage to pay my delinquent taxes. As a result of these errors, my escrow account and my account with PNC Mortgage is totally incorrect. I have talked to PNC and they told me that it was fine because my taxes were paid. They tried to tell me that the {$2600.00} was not taken out of my escrow in XX/XX/XXXXthen I told them that it was because I can clearly see it online. They went on to agree that it was taken out and would have to be researched. I asked to speak with Corporate, but was told by 3 people that they do not have a number for Corporate at PNC. Im now very worried that I will never get back my escrow money or the extra interest and fees that I had to pay for a delinquent real estate taxes.
Consumer complaint received 2018-04-14
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: AMERICAN EXPRESS COMPANY (CA)

Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from American Express and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from American Express addressed personally to me stating that I was denied credit card because of my credit report. What! I called American Express and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.