davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

Inaccurate and misleading response to a cfpb complaint regarding the application process and inquiries on a Citibank account on my credit report. See attached. 
Regarding XXXX inquiries made in attempt to acquire a Citibank card. 
Regarding the inquiries : Application made on XXXX XXXX, XXXX was declined due to a recently established account -- I do NOT have a Citibank card. I received a letter declining the application stating that I had already had a Citibank card, I do NOT. The letter from the executive response unit also states this as a fact, it is incorrect and is a fact that can be proven. The inquiry needs to be deleted from my credit report as it was incorrectly processed by the Citibank system and therefore was not any possibility to be a valid and good faith inquiry based on the Citibank system, which is confirmed by the response given to the cfpb. The response goes on to state that a call was made by myself to the customer service dept regarding this account, again, which I do NOT have, and that after I called Citibank I never called back. There was NO REASON TO CALL BACK. Please review and provide a FULL TRANSCRIPT of the call which will completely explain what was discussed. Delete the inquiry. 
Regarding the application made on XXXX XXXX, XXXX -- -I was directed by the fraud department of Citibank ( as resulting from the above-mentioned call to customer service ) to make yet another inquiry, and to use a different address when making the third application for a Citibank card. I used my business address. In the response letter to cfpb it states that in this inquiry/application, my social security number could not be verified and a letter was sent to me with no response. 1 ) I never received a letter, 2 ) the social security number was clearly valid for the attempted applications made on XXXX XXXX, XXXX and XXXX XXXX, XXXX, so why was the 3rd application not validitated. 
I am again noting and was completely ignored and not addressed, that I have an identical twin brother with the same birthdate, same home address, and he has a consecutive social security number, which the customer service fraud department representative was made aware of and responded to in my call in to customer service regarding the SECOND application I attempted to make. There is NO FRAUD but there is a mix up in the application process of the Citibank system and this needs to be addressed and corrected. 
The response letter from the executive response unit nicely quotes legalities of the online terms and conditions for submitting online applications that Citibank is authorized to pull credit. Do they read what they write to the cfpb and the consumer? Does this make sense? Is this an actual response? Delete inquiries # XXXX and # XXXX from my credit report because there was no possibility of accurate consideration of these XXXX applications. I am certain this is happening to other consumers in their attempts as well, and this should be investigated if not resolvable.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AR)

I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX I filed a dispute for several charges on my XXXX debit card and was auto denied due to the Auto dispute resolution data and was reconsidered in XXXX of XXXX. I sent police report and have yet to receive any updates from the bank
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account. 
The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX of every month starting in XXXX they would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX on one account and XXXX on another leaving me with a XXXX balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that XXXX XXXX does not have my backing information and continue to deduct any more checks.
Consumer complaint received 2020-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2018-10-08
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. (CO)

On XX/XX/2018 while shopping at XXXX XXXX # XXXX in XXXX, Co, someone somehow charged {$270.00} to my Citi Master Card without my knowledge. My card was in my wallet in my pants pocket the whole time that my wife and I were in the store. On the same day my wife charged {$34.00} to her Citi card ( same number ) to pay for our purchases at the same store. When I received our credit card statement I reported the unauthorized charge to Citi and filed a dispute # XXXX. While talking with the City Security Dept. I was advised to submit a police report which I did on XX/XX/2018 Tracking # XXXX, Case # XXXX and a copy sent to Citi. On XX/XX/2018 I received a letter from the police Dept. stating that since the loss was less than {$2000.00} the case would not be investigated and was closed. I sent a copy of the letter to Citi. After further investigation Citi sent me a letter on XX/XX/2018 stating that I was responsible for the charge since their computers show that my card was physically swiped ( it was not! ) Somehow someone figured out a way to charge someone else 's credit card and fool the credit card companies computers into thinking that a card was physically swiped when it actually wasn't. When I called Citi I was given the impression that they thought that I was lying and that I had actually used my card or somehow forgot that I used it.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Back in XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

Received calls from Americollect approximately 3 months ago. Would get at least 1 call a week. When I spoke with them they initially were trying to collect a debt my wife owed. My wife then setup a payment plan with them for her debt. Days later they kept calling me. When I informed them this was not my debt and that a payment plan was setup for my wife they stated they would remove my number from the file. This happen theee more times. All times they stated they would remove me number. They then called my employer in an attempt to locate me. When I called back they informed me I had 3 open accounts with them totaling just over {$2700.00} dollars. I asked who the original debts were for. They told me that one was for a medical place. Did not tell me if all were for medical places and did not tell me the amount. I informed them I never received any information in the mail regarding this debt and just 2 days prior when I asked if I did owe anything I was told no. The phone calls then stopped for a month. They are now reporting this debt on my credit. I still have not received any information in writing about this debt. The amount and who the original debt is owed to I only know because I had to look up my own credit report.
Consumer complaint received 2023-03-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC (VA)

Pursuant to Fair Debt Collection Practices Act I have mailed / email ( per attached documents ) disputing the debt and request for validation on XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.
Consumer complaint received 2020-12-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Consumer complaint received 2023-06-03
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: SYNCHRONY FINANCIAL (AL)

Synchrony Bank/ PPC is reporting negative payments during COVID Violating of the Heroes Act. 

According to Section 110401 of the Heroes Act, it clearly states that negative consumer credit reporting is suspended for an additional 120 days during this challenging time. The intention behind this provision is to prevent credit scores from being ruined and to protect consumers from adverse effects on their credit reports. 

Synchrony Bank is violating my consumer rights
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities to become more successful.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

I had received a postcard in the mail from Citibank, encouraging me to sign up for their Citigold account, and offering me XXXX frequent flier miles for XXXX if I : signed up for account, spent {$1000.00}, and made XXXX bill payments through Citigold. I learned after my miles failed to be processed that Citi meant that you have to make a payment through their bill pay system ( e.g. bills can not be paid through the debit card ). However, it never stipulated in the advertising or anywhere that I could find that you must make these payments through the bill pay system as opposed to the debit card. As you can see from the attached document, it is not at all specific. I argued this to Citi, via telephone and electronically, but they wrote back to me repeatedly that they would not honor the offer terms. Money was lost as there is a monthly account maintenance fee that Citigold charges.
Consumer complaint received 2023-06-03
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2016-11-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RCS Recovery Services, LLC (CA)

Recently I applied for financing and was denied do to a company called RCS that started reports lates to my account this year and updating the date of last activity on a loan on a property that was foreclosed on in Texas in 2009. The 7 year statute of limitations is up and they are violating the FDCPA by buying this debt and reporting newer dates to try and collect. I disputed with the bureaus and they verified the debt but provided none of the documentation they need to have in order to report it. I also sent them a letter directly to validate the debt which they still have n't done. They are illegally affecting my ability to refinance my home. My husband passed away recently who was also an owner on this property and I am struggling and need to refinance my home.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (TX)

I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed immediately
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I purchased a XXXX at a XXXX and signed up for the Best Buy Citi credit card. I was told that there was protection on the laptop, but when the laptop stopped working days later, Best Buy refused to honor the warranty and disposed of the computer. When I contacted Citi and explained the issue of the store not honoring their agreement and disposing of the computer, ultimately asking for Citi to issue a chargeback. Citi sided with the merchant ( Best Buy ) even after I provided them with an explanation and evidence of what had occurred. I later learned that the Citi representatives I spoke with during my dispute actually work for a call center devoted exclusively to supporting this Best Buy credit card. I feel that Citi sided with the merchant in this case because of their partnership with Best Buy, which I feel is unfair to consumers and creates a conflict of interest.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 information is inaccurate.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (FL)

I have a home mortgage with Homebridge Financial. I had significant home damage from XXXX, XX/XX/2016. As a result I filed a claim with my insurance company, who intern issued a claim check in the name of myself, my wife and our mortgage company ( Homebridge Financial. 

They made me hire a contractor ( due to dollar amount of the claim ) and would not turn over the funds to me so I could get repairs underway. I am only getting a fraction of the money at a time ( only after waiting for them to get THEIR inspector out to look at the repairs ). This is taking an extra week and then I have to wait 2 more weeks to get a menial check that does not even cover the cost of the particular repairs done. I am winding up paying all the expenses out of pocket and then going thru the hassle of them writing a check to me, my wife and our contractor ( again a three party check ). In the mean time the contractors doing the actual work are calling daily wanting their money and threatening court action for non-payment. 
These contractors do n't like waiting three weeks to get paid.
Consumer complaint received 2023-05-31
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. (AZ)

XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.