davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
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. (AZ)

XXXX purchase in XX/XX/XXXX {$980.00}. Item returned in XX/XX/XXXX. Refund delayed with XXXX, I opened dispute with CitiBank Visa. XXXX return was approved yet CitiBank claims no refund was issued by XXXX XXXX XXXX claims refund issued XX/XX/XXXX. I was told by XXXX that the dispute needed to be closed for refund to process. CitiBank records calls so when I requested the dispute to be closed I stated this. I have yet to receive refund - see attachments - XXXX XXXX XXXX  division AtoZ Guarantee states this matter was resolved with credit card company. XXXX Executive Analyst in CitiBank corporate said there is no further action they will take since dispute is closed. This after I spoke XX/XX/XXXX with XXXX CitiBank Billings Investigation I explained XXXX responded to my XXXX  complaint submitted approx XX/XX/XXXX that the item was never returned therefore no refund. Whereas all XXXX communication previous stated refund issued but it must be an issue with my credit card company. What did CitiBank do exactly in the original dispute? I stated the only reason I was requesting dispute to be closed was the instruction from XXXX. Yet I helpless because it requires assistance of CitiBank to resolve the information where XXXX states the matter was resolved with credit card company and other communication that CitiBank " repaid us for this order ''
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I have been having ongoing issues trying to access information regarding my Santander XXXX XXXX XXXX Credit Card. I can not access my pending and current transactions. I have wasted over an hour of my time this morning ( Sunday, XX/XX/2021 ) with uneducated, unknowledgeable and ignorant customer service representatives. One representative had to keep on putting me on hold to check with another department for assistance. Why is he working in the credit card department when he knows nothing? The agent ( woman ) I had spoken to before him was very rude and ignorant. I am really ready to cancel this credit card because of all the issues and their abhorrent customer service department.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that one specific account on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this account XXXX XXXX XXXX  XXXX Balance : {$21000.00} I already sent the necessary file in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so please verify this account.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Community Loan ServicingXXXX Loan # XXXX - Call Community Loan Serving at ( XXXX ) XXXX I've been making weekly payments of {$250.00} online on their website and each time I have made the selection for " additional principal payment ''. In the payment history it states that those payments are in a suspense status. I called and spoke to a nice customer service representative and I was told that she would manually apply them to the principal on the corresponding dates. She said that I would see this in 2 business days and the status has not changed. I am concerned because I've read that some mortgage companies try not to apply these additional payments to the principal and the whole purpose of me doing this is because I'm trying to save on the interested and hopefully knock years off my loan. 
see below : Payment History XX/XX/XXXX {$250.00} XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my consumer report on XX/XX/year>, and I noticed several inaccurate and incorrect information on my consumer report. They are reporting inaccurate and incorrect information in consumer reports concerning me that they have been compiled and published to third parties. The following trade line items are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of all 3 consumer reporting agencies for each account with just a few highlighted examples of the inaccurate and incomplete information. I am aware that I have rights under the FCRA and request that you fully comply with the law to my request.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brinkman Alliance Group (TN)

I TIED TO DEAL WITH THE COMPANY & IT WAS TURNED OVER TO COLLECTION WITH 3 DIFFERENT COMPANIES THEY TRIED TO SUE ME & PUT IT ON MY CREDIT REPORT, I AM A SINGLE MOM MY HUSBAND IS DECEASED!! I CALLED XXXX & THEY CONTINED TO PURSE ME WITH THE REPORTS, THEY GOT FROM THE OTHER COMPANIES THEY ARE DAMGEMING MY CREDITS STANDERD UP 1ST TIME THEY TRIED TO GET ME & IT WAS OVER 2YEARS AGO SO THEY SOLD IT & MORE MONEY WAS ADDED IT WAS CHANGED AGAIN THEN IT HAS BEEN CHANGE AGAIN TO TO TRY TO COLLECT IHAVE NOT BEEN YOU CAN GO TO MY REPORT & READ, XXXX  MADE NO ATTEMPS TO HELP ME I THINK THIS IS WRONG DO I NEED TO CONTACT TH PRESIDENT OF U S A FOR HELP!!!
Consumer complaint received 2021-04-25
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. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated XXXX ( 3 ) accounts inaccurate information please remove XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Thursday, XX/XX/2021, I received an email stating " billing statement '' invoice. I opened the message it stated it was from XXXX XXXX XXXX XXXX, but the email Billing Department XXXX. Then it has a telephone number Toll-Free XXXX XXXX XXXX XXXX XXXX. I have XXXX anti virus and I paid {$39.00}. This message was for XXXX XXXX within automatic renewal of {$290.00} to be taken out of my account. I did not authorize the payment nor do I have XXXX XXXX. The numbers were bogus. The people had access to my bank account on file at XXXX and took control of my computer and blank me out they took money from checking {$25.00} and {$29.00} from savings. I believe it was test run. I have two checking account the primary account had {$260.00}, but was not touched yet. The took all the money from second checking and all the money from savings. I called them with the number above and they started yelling at me. I finally contact someone at XXXX the legitimate company and told them what happened they said it was a scam. I am requesting payment of {$39.00}. I looked at my account before it was locked down and they took a subscription to XXXX for {$19.00} to be an automatic occurrence each month. My bank rep said they are reimbursing me for all monies taken, but I had to open new accounts, with a block on everything. These are ripping off all XXXX XXXX XXXX XXXX consumers. They very active, if you were to call the numbers above they would answer. They stated they were trying to reimburse me, but I did not pay for the service so why were they trying to reimburse and stated they needed to get into my bank account they could send refund through XXXX XXXX. 
to
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (CA)

I have been receiving fraudulent XXXX invoices to my address claiming I owe a balance for an account that I do not have and for services I did not use. 

I called XXXX customer service with the information and was told that there is no such record in their system and that I can disregard it. 

I have now received a Collection Notice from a company called Synter Resource Group, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Customer Account:XXXX File Number : XXXX Amount : {$140.00} Addressed to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX Please review and advise at your earliest convenience. I have also contacted XXXX fraud department with this same information Thank you, XXXX XXXX
Consumer complaint received 2021-04-24
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: ALLY FINANCIAL INC. (NJ)

Once again I notice Erroneous and Wrong information on my credit reports regarding the account of Ally Financial Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see XXXX pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact ALLY FINANCIAL is reporting inaccurate and inconsistent information on 3 different credit reports.
Consumer complaint received 2021-04-24
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)

CitiBank app notified me that there were multiple fraud charges on my account on XX/XX/XXXX. I locked the card, and they sent me a new one immediately. The fradulent charges were removed from my card/transactions and I was told they would review my account for any further charges. I checked my account again on XX/XX/XXXX and the charges were placed BACK on my card and were no longer marked as under investigation. The security credits were removed. I disputed the charges for a 2nd and 3rd time and also called CitiBank again. I was informed that the charges were still under review, but the security credits were taken away and that the charges would remain on my card/account until at least XX/XX/XXXX. I do expect and appreciate the investigation to be performed, but those charges should not be on my account without a security credit, as this will affect my statements, interest, etc. When I called on XX/XX/XXXX, the agent I spoke with claimed my issue didn't start until XX/XX/XXXX, despite CitiBank being the ones to send me a notification and alert me of the fraud in the first place. Some charges were before XX/XX/XXXX, but I was not notified until that day. I am also trying to improve my score and apply for another card, but I was denied an application due to this fraud issue that CitiBank is failing to resolve.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.
Consumer complaint received 2021-04-24
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. (WA)

I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.
Consumer complaint received 2021-04-24
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. (NJ)

Citibank has not been protecting my account for a year now. XXXX XXXX has fraudulently overcharged my card an kept deposits that Citibank knew about the whole time, I tried to dispute an Citibank took my money instead an made me pay back the continuous overcharges XXXX  kept doing. XXXX is somehow connected to Citibank an keep charging my card an causing issues with my account that Citibank fails to do anything about. I paid my {$720.00} on my account and Citibank took my {$720.00} an dropped my credit limit to {$300.00} as a penalty an stated I have not made payments in time when my account with Citibank always has been in good standing I have always made my payments on time I have 20 payments made in time before XXXX  fraudulently started charging my card. After me paying someone is still charging my card while my card is locked an Citibank is trying to make me pay on my account after I paid {$720.00} to my account. The customer service representatives are rude an always yelling in the phone m, because Im concerned as to what is going on with my account. XXXX XXXX  keeps attacking me by attacking my account an harassing me. I feel like my credit limit was never dropped an someone is charging my card an Citibank has possibly certain employees who are fraudulently causing these acts to my account for XXXX XXXX.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-06-29
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. (FL)

Experian has failed to correct the erroneous account information, directly violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Refrenced accounts - XXXX # XXXX and XXXX XXXX account # XXXX This is my fifth and final attempt to address this issue before pursuing legal action. I want to emphasize the gravity of the situation and the severe consequences that will follow if Experian does not take immediate action to remove the erroneous account from my credit report. 

I urge Experian to promptly investigate and rectify this issue, adhering to the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ) and the FCRA. Failure to do so will leave me with no choice but to escalate this matter through legal channels and seek appropriate remedies. 

I demand immediate action from Experian to correct the inaccurate information and restore the integrity of my credit report. I expect a timely response to this complaint, acknowledging the receipt of this letter and providing updates on the steps taken to resolve the issue. 

Please be advised that I am prepared to pursue all available legal avenues to protect my rights and seek appropriate compensation for the damages caused by Experian 's negligence.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

On XX/XX/XXXX I Had Seen An Ad while Playing a Game on My XXXX. I Clicked on Ad For XXXX  XXXX XXXXath XXXX I Ordered One XXXX XXXX. Their Sight Was Difficult To Get Through to End Page. I Got To The Total Page I Needed To See How Much I Was Charged with Shipping & Handling. It Came To {$96.00}! So I Didn't Hit Submit Button, I Backtracked to First Page & Tried Again. This Time I Was Charged {$11.00}. I Hit Submit. It Was XXXX XXXX. I Fixed TV Dinner & After I Ate I Checked My Online First Horizon Tennessee Bank Account. XXXX XXXX XXXX Me {$53.00}, {$29.00} Plus The {$11.00}. I Tried to Call XXXX  XXXX Line Was Busy. So I Emailed Them. I Then Went To My XXXX Bank XXXX Filled Out a Fraudulent Charges Transactions. XXXX  Morning XX/XX/XXXX I Hadn't Received a Automated Response From My Bank, So I Called & Found That My Bank Hadn't Received My Form, That I Should Refile. I Did That Monday. A Week Went By And I Still Hadn't Received My Money Back From XXXX  XXXX. I Called Bank They Stated They Had Dumped It ...? That They Waiting On Me? I Never Received A Message From Bank! So I Asked Should I Refile Form Again? Yes. I Refiled 3rd Form. And Checking Everyday For The Remaining Days of XXXX. On XX/XX/XXXX I Hadn't Received Any of My Money Back. 
I Called Bank Again Asked Why My Fraudulent Charges Are Still Not Back into My Account? Bank Associate Stated They Were Still Investigating Fraud. XX/XX/XXXX I Checked My Account Again. XXXX XXXX Had Charged Me Again! {$23.00}? I Filed Yet Another Fraudulent Charge. XX/XX/XXXX I Was Asked To Give My Bank More Information. I was Very Upset I Told Them To Forget About The Whole Situation I Was Tired Of Waiting & Being Made Out To Be A Liar. & I Gave Them What They Wanted. XX/XX/XXXX, I Ordered Fast Food & My XXXX XXXX Card Wouldn't Take? I Called My Bank & Found Out Bank Had BLOCKED My Card? They Didn't Ask or Tell Me. I Asked Male Associate If He Could Over Night Me a New XXXX XXXX Card? He Said No I Could Come To Bank & Pick Up New XXXX XXXX XXXX. I Explained I Do n't Drive & I Was Getting Over An ILLness. That Because of My Health I Was & Still Am Afraid of Catching The XXXX. He Said I Would Get My New XXXX XXXX Card in XXXX to XXXX Business Days. On XX/XX/XXXX I Still Hadn't Received My XXXX XXXX Card, I Called Bank Female Associate Stated Because of Pandemic It Could Take 2 To 3 Weeks To Get My XXXX XXXX Card. But I Could Come To Bank & Pick Up a New XXXX XXXX Card, Your XXXX XXXX  Card Is In The Mail XXXX XXXX. 
It's XX/XX/XXXX And I Hadn't Received My XXXX XXXX Card. Even If I Had Someone To Take Me To My Bank I Would Be Fearful, Because I Have NEVER Been Treated Like This From Any Bank I Have Had Accounts With Over The Past Thirty Years. 
I Have Tried To Email CEO of First Horizon Bank But I Never Received An Answer From XXXX XXXX XXXX.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (UT)

My family has been severely impacted by Covid. My husband lost his job last year and it took several months to find a new job. This job does not pay as much as his previous one, and this has cause us to fall severely behind on our financial obligations. Every single credit card company has come up with a plan to help us except Citi. I have two accounts with them and they only allowed one card to have a payment program. My payment is rising every single month and I am not even using my card. I was forced to use it once yesterday to pay for auto repairs otherwise I would not have a vehicle to take my kids to school. I can't believe they will not allow me to go into a hardship program when I so desperately need it.