davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

In XXXX of XXXX I enrolled in Citibank 's Merchant Offer with XXXX for 6 % cash back on online purchases through XXXX. On XX/XX/XXXX I made a purchase on XXXX for {$7500.00}, expecting that I would receive a credit in the amount of {$450.00}. After I received my first statement, I noticed that I had not been given the credit on my account. I contacted Citibank and inquired when the credit would be posted. They advised it can take up to 8 weeks for the credit to show up. Therefore, when the 8 weeks passed, and I still had not received the credit, I called back. The Representative said she would look into and send a note to the department to check on the status. Each week I would log into my account to see if the credit posted, it did not. I have called Citibank over 18x regarding the status of the credit. Each time I have to explain the situation to a representative who then will transfer me to a manager in the " back office ''. I have spoken to multiple managers who advised that my concerns have been noted and that they will follow up. Some managers advised they would call me back and do not. Some managers would hang up on me, knowing that I would not speak with them if I called back. It has been four months since I made the purchase, and the credit still has not been posted to my account. I have paid off each statement balance. 

Unfortunately, I now feel that this is a scam. The Citibank Merchant Offers are there for you to think you will get a credit, which never comes to fruition. If you call into inquire about the credit, they continue to say someone is taking care of it and never does. Eventually thinking the consumer will give up due to frustration.

I am submitting this complaint as I do not feel that Citibank is addressing my issue and the only way they will is elevating it to the Consumer Financial Protection Bureau. Please feel free to contact me to discuss this situation further. 

Regards, XXXX XXXX
Consumer complaint received 2023-06-19
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2018-04-13
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. (CA)

Citi Bank has a program called XXXX rewind where if within 90 days you find the same item at a cheaper price they refund you the difference. On XX/XX/XXXX I bought a leather recliner at my local XXXX for XXXX plus tax and went back on XX/XX/XXXX and purchased another. About 2 weeks later the items were decreased in price to XXXX and thats when I began the rewind process to be refunded the items. I sent what they required which was the receipt, the statement with items on it and sent a photo of the item on sale at the store, per information received from XXXX customer service agent. They can pull the recorded call from that day to confirm. The 1st submission from XX/XX/XXXX was approved and refunded but the second they said that the photo taken is unacceptable. So why was the first approved? Is it the customer mistake that he was give incorrect instructions on how to proceed with opening this claim? This has been going on for 6 weeks now and I am tired on getting the run around about the matter. As a loyal XXXX customer I would think there would be more consideration especially because we were told to to it this way, and now, 6 weeks later they say they need other proof, how!!????? If the product is no longer available????? I strongly request the call be pulled and listened to confirming what I am saying. XXXX  as a reputable company as XXXX is I would expect a refund as we requested and no more excuses of what the customer did wrong since I was instructed to provide a Photo of the product! Thank you for your attention to our respectful request.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX XXXXnd there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (SC)

I was informed by credit agencies that Amsher is alleging I owe them {$190.00}. I can not find out an account number or who the alleged debt is through. My credit file is already locked and frozen and I am already recovering from identity theft. They refuse to follow up and verify any debt. I demand these false accusations be removed from my credit file immediately. If this issue isnt resolved within the next 72 hrs I will be suing for damages and time wasted with this negligent, false, unfair, and degrading credit reporting.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MS)

NATIONSTAR/MR. COOPER Account # ( XXXX ) The comments and history is incorrect. This account was sold to another company service in XXXX. This account has been paid and full and paid as agreed. Worst payment information is incorrect and was not 120-180 days late. XXXX late payments status is incorrect. XXXX Payment history is incorrect and is causing harm to my credit profile Please delete the incorrect negative comments and history of this account. If not please delete this entire account. 
This account reporting is in violation of code 15 USC 1681 ( a ) 2 ( B )
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2022-11-14
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. (TX)

XXXX reported incorrect information of a XXXX XXXX past due payment that was incorrect. There was payments made and was current. As well as the XXXX XXXX XXXX that is in effect until XX/XX/XXXX of this XXXX
Consumer complaint received 2018-04-13
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: Home Loan Center, Inc. (CA)

I was searching for my trade-in value on XXXX and there was a link to XXXX to look at possible car loans. I thought it was just rates. There was no indication that a hard credit pull would be made, let alone multiple! I filled out an online form on my mobile device. Then I started receiving multiple alerts of credit inquiries. I contacted Lending tree and they said I should have clicked on some grayed out " i '' that would have shown disclosures. They have completely destroyed my credit. Inquires from " XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX XXXX  '', and I think one directly from XXXX that is not showing right now.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ran my credit report via XXXX XXXX on XX/XX/XXXX. On Transunion report there was a hard inquiry from XXXX which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called Transunion and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them XXXX said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to XXXX   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit report.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00}
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am victim of identity theft. I have received a letter from XXXX that stated those accounts were not mine and those accounts was supposed to be deleted from Equifax credit report and equifax has failed to deleted those fraudulent accounts. Also those names and addresses are not mine and those inquires are fraudulent need to be removed from my Equifax report
Consumer complaint received 2023-07-09
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. (FL)

In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.
Consumer complaint received 2023-10-23
Product: Credit 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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I booked a rental vehicle from XXXX and prepaid a total of {$2300.00} via Chase Travel using Chase card ending XXXX ; I used a combination of credit and points. Upon returning above vehicle to merchant on XX/XX/XXXX I was once again charged {$2400.00} on Chase card ending in XXXX. 
I've disputed these charges twice ( XX/XX/XXXX and XX/XX/XXXX ) via Chase requesting a refund to one of my cards as I only rented 1 vehicle with the same confirmation # XXXX. I've reached out to the merchant via phone on 3 occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ), representatives have verbally acknowledged the XXXX distinct charges and have elevated the matter for said reservation, however an adjustment has not been made after approximately 2 months of me seeking to resolve. I have receipts and account transaction records that I am able to pull via chase.com and XXXX. I have requested on XX/XX/XXXX and XX/XX/XXXX to XXXX via representative on the phone to provide me with itemized receipt and payments received by me including third parties- they stated they sent me an email but I have yet to receive any correspondence. Chase claims representatives were also contacted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Chase representatives opened claims and I uploaded all supporting documents. Chase representative on XX/XX/XXXX stated that XXXX makes the decision to decline or approve disputes, so I would need to contact them. On XX/XX/XXXX I filed an online inquiry on the XXXX site and I immediately received a response stating that the financial institution is responsible for addressing disputes with the cardholder. 

The XXXX receipt issued on XX/XX/XXXX demonstrates that I did not incur additional fees that would equal over {$2000.00} and does not acknowledge the previous XX/XX/XXXX booking made through Chase Travel. I did not authorize additional services nor coverage, and I returned said vehicle with a full tank of gas, all of which XXXX can verify with their issued receipt. Chase is now acknowledging the charges that were made by the merchant and are deeming my third party booking through Chase Travel as non-refundable in credit and points I earned along the years.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

My XXXX credit report shows an unexpected inquiry on XX/XX/year>, listing American Express with a XXXX phone and mailing address. 
XXXX directed me to call American Express to inquire further and follow the instructions on https : XXXX American Express customer service could not locate any application submitted on that date. 
I was advised to follow the same instructions listed on XXXX 's website. I sent a letter ( attached ) via Certified Mail electronic return receipt with my name and copy of XXXX credit report ( attached ) stating I didn't apply for any account on XX/XX/year> and American Express customer service did not locate any application matching this inquiry. The last valid inquiry is XX/XX/year>. 
I requested American Express please send a letter directly to XXXX to remove this inquiry from my credit report. 

The response letter from American Express ( attached ) stated they are unable to comply and that they had a permissible purpose to order and review my credit report when I submitted an application. 
They did not provide any details about said application. 
Seeking details about this alleged application submitted on XX/XX/year>, I called American Express 's credit reporting department and was transferred to the new account department for identity theft review. 
They still could not locate any application corresponding with this inquiry. They also did not show the inquiry in their system. 
They refused to send the letter to XXXX to remove the inquiry shown on my report that they claim did not come from them. They so far have not been willing to comply with XXXX 's guidance : If the lender cant confirm the account or if the inquiry was made in error, ask them to send a letter directly to each credit reporting agency that shows the inquiry to remove it from your credit report. 

I was advised the next step would be to file a complaint.
Consumer complaint received 2023-06-17
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. (MD)

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

Deposited a cashiers check from a recognized California XXXX XXXX. Two days later checked with bank to see if the check had cleared and if the funds were available. Bank told me Yes. I proceeded with a transaction based on that information. Two business days later, they withdrew the funds, saying the cashiers check was fraudulent. They should have never made the funds available to me if they had not received confirmation from the issuing bank that the check was legitimate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

15 usc 1681 all 3 reporting agencies must promote accurate information with my credit report and thats exactly what they are not doing with the attachments below it shows all my accounts have been opened on different days, inaccurate and unverified information must be removed. I have certified mailed all 3 bureaus tracking number # XXXX and still have not receive any information.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-08-01
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. (PA)

Experian is reporting my score by over XXXX points. Compared to XXXX and XXXX. I have all three reports matched up and they are all the same as reported.. They are killing me and tells me I was 60 days past due but does not show it in there report from any account.