davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
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. (WA)

Equifax is reporting incorrectly a collection in the amount of {$68.00} partial account number XXXX. ( Please see page 7 of the attached credit report. ) There is no contact information given for the collection agency ; no telephone number and no address. There is no way to show that this collection belongs to me. This is a Fair Credit Reporting Violation and this line item needs to be removed from my credit report. This negative reporting is harming my credit score.
Consumer complaint received 2019-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Earlier this year, I had to dispute a charge with Bank of America. 
There response on a web-chat was to go in person at a specific branch. 
I arrive in person to be told I need to make an appointment and to come back 2 days later. 
I arrive early and kept waiting for over an hour. Because they kept me 45 minutes past my appointment time, the department was closed and there was nothing that could be done. 

On XX/XX/19, my card was declined and locked down for potential fraud. There was fraud going back through XXXX. 
I was locked out of my statements for my credit cards online as a result. 
I called on XX/XX/19. There were 7 calls, 10 different people I spoke to, and over 3 hours spent on these calls. Bank of America hung up on me 3 times. Bank of America provided me a fake phone number to call back. 
The result after the 7 calls was to the bank opened 2 disputes and blocked the vendor. 
On XX/XX/19, Bank of America sent a few electronic letters. The letters stated that I could fill out the information electronically. That is a lie. I can not fill out the information electronically. Furthermore, these letters are asking me to provide information regarding the fraud. I provided all of this information and more during the 3 hours back on XX/XX/19. 

Today, XX/XX/19, I was supposed to receive a call between XXXX PST. That did not happen. Bank of America is no longer responding to the web chat.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I set up forbearance with Navient and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from Navient ). However, Navient reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to Navient Credit Reporting department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that Navient has updated the status and reported correctly with only XXXX. Navient hasn't reported correctly on XXXX and XXXX.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XX/XX/2023, I contacted TD Bank to dispute a charge. 
I called in prior to the payment due date. 
I then received a letter stating : " The disputed amount and any related interest charges or other associated fees will not be included in the calculation of your minimum payment due. '' The disputed amount was the only charge on the statement. 
I then received a credit card statement with a fee of {$29.00}. 
When I contacted TD bank, I was told that the fee was assessed because I had not made the minimum payment. 
I was supposed to pay {$35.00} to avoid the charge. 
The associate that I spoke with at the time that I created the dispute, did not relay that information to me. 
The letter that I received from the bank does not mention that either.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I had a chase sapphire credit card til 2020 with XXXX credit available. I had to dispute charges thst I did not make chase got mad tried to say I feauded the that I frauded them etc I had a roommate whom later got put in prison and had access to my cards while also having various police reports made of breaking I tried ti apply last week for a chase visa card the lady could not tell me why I was denied I suggested discrimination since I am a single XXXX mom she Saud maybe I'll have to see, she heard me saying I was going to record the call she told me to stop so I did after she told me I was turned down for two years or newer credit cards abd also too many inquiries which I knew was a lie since I have credit karma, so after when I said its not true thst my credit report is good etc she got very nasty towards me and tried to deny ever saying and agreeing it could be XXXX thus is sickening and offensive XXXX XXXX XXXX who is not XXXX I married a XXXX man from my last marriage
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

I have seen collection on my XXXX credit report and I have called the company to figure out what is it and why it is on my report as I have not received any kind of service which collection describes. Collection company have false information ( might be because of the same last name ). I have tried disputing with XXXX but I doesn't allow me to do it online and I have tried calling it many times but not getting any response from them.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I received an invitation offer from the Citi Thank you Preferred credit card introducing a new feature called The Citi Flex Loan which allows you to access funds from your existing credit line with a fixed APR and choice of payment terms. On one of the documents is listed that your Citi Flex Loan offer APR is 7.99 %, finding this APR rate attractive I applied for the Flex Loan and was approved. My bank account was funded with the requested amount and several days later I received documents relating to my card agreement which informed me that a new APR percentage rate was now assigned to the loan which takes effect XX/XX/2019 and which is double the offer APR of 7.99 % as advertised. After reviewing the terms and conditions of the offer I could not reveal any language in the documents that informed me that the APR percentage rate would and could change based on their discretion. I believe that the Citi Thank you Preferred credit card engaged in misleading advertising regarding the promotional APR percentage rate, offering an attractive low rate and then after approving my loan set that fixed rate at 15.24 %.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-07-20
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: AMERICAN EXPRESS COMPANY (MD)

I am writing to file a complaint against American Express for their failure to address fraudulent charges made on my American Express Platinum, Business Platinum, and Business Gold cards. My cousin, who was an authorized user on these accounts, abused this privilege and incurred {$59000.00} in fraudulent transactions. Despite my attempts to resolve the issue with American Express, they have declined my request for resolution, leading me to believe that they have violated consumer protection laws.
Consumer complaint received 2019-12-09
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. (CA)

On XX/XX/2019 I sent a package to Experian notifying them of an issue on my credit report showing 3 ( 30-Day Late ) payments on my current account with XXXX XXXX which is inaccurate. I sent a full package including my bank statements as proof of the inaccuracy. In turn, I was informed by the Bureau that this information I sent was invalid and the lates would remain. I then contacted XXXX XXXX and the Accounting Rep XXXX, told me to contact Experian. I explained to the Rep that I did and was unsuccessful. He stated there was nothing he could do to rectify the issue and the system inputs the late payments.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC (FL)

Today XX/XX/2019 I received yet another call at work from summit receivables. He did not identify himself by name. Asked for me and then proceeded to list my date of birth and to tell me that I owed them money, when I told him I was not allowed to receive calls at work and that if it continued I would report them to the state attorney general and the CFPB AGAIN since I have not received anything in writing regarding this alleged debt, he laughed and told me to go ahead because maam you dont understand that were coming after you I submitted a previous complaint on XX/XX/2019 and you have yet to receive a response from this company
Consumer complaint received 2019-12-09
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. (NV)

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2023-07-19
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: SECURITY FINANCE CORP (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (KS)

I have 2 credit card account with CITI. The limits were cut on both cards ; one from {$15000.00} to {$300.00} and the other from {$10000.00} to {$5000.00}. I called customer service to find out why they took this action and was told it was because I had a late payment on a non-CITI account. This late payment was an error and I was already in the dispute process. I escalated this complaint with the corporate office and they agreed to re-evaluate my account. I later received a response informing me that they were " unable '' to reinstate my credit line but instead gave a different reason for their decision ( that I was carrying too much debt across my other credit lines ). My debt level has not been an issue in the past and has also not been a factor with CITI in the past. Based on my payment history, I have had no issues maintaining my payments and by balance often go up and down depending on my spending needs. I find this an unfair practice by CITI and I am appalled that this company would treat not only a long term customer with a perfect payment history but a member of the armed forces with about as stable an income source as one can get.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported 2 different accounts on my credit report in XX/XX/2019, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
Consumer complaint received 2020-01-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC. (TX)

XX/XX/2017, I bought a house in XXXX, TX. I used Summit Funding as my lender. They failed to evaluate property tax correctly and therefore our monthly payment is $ XXXX more than projected. The previous owner was a senior, over 65 and therefore had a " senior exemption ''. I'm in my mid XXXX, it is obvious that I will not qualified for the same exemption. Summit Funding failed to calculate this and projected escrow to be a lot lower than it's supposed to be. This incompetency seems to be calculated to enticed the buyer into accepting the deal because of a lower monthly payment. 

I understand that the perfect final amount is not possible to calculate at time of closing. However, off by {$250.00} a month, over {$3000.00} a year in property tax is very significant.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

Hello, One day in XXXX ( I think ), I logged into my citi account online to check credit card balance. When I logged in to the account, I was " offered '' an " upgrade '' of my credit card. This offer randomly pops up sometimes. I ignored previous times, but I said OK for this one.. thinking that it's an " upgrade '' to my current credit card account. I had {$250.00} of cashback available in my account at this point, before the upgrade. 

I knew that this was a different card " type '' but it said ( and I also thought ) it was a rewards card. So, I thought all my rewards and other benefits will carry over. 

Upgrade went thru fine. Everything was online.. a few clicks, that's it. I received a new credit card a few days later. I didn't bother much. I don't actively use this credit card. So, I don't login every day or every week to check my account balance. 

I logged in sometime in XXXX to check my cashback balance -- thinking that it will be carried over from my old account to new. However, it didn't happen. I kept waiting and kept logging in a few times.. every week to see if it updated the account with my cashback balance. However, it didn't. 

Finally, I called up citibank customer service and they were very rude when asked for clarity on my cashback. Rep cashback was lost already because I changed my card and that it was mentioned in my terms and conditions at the time of upgrade. 

I was surprised and shocked knowing this. I would have let it go if it was XXXX . However, my cashback was {$250.00} and it's hard earned. Citi won't just give away {$250.00} just like that. I probably spent XXXX $ - {$20000.00} to earn {$250.00} cashback. So, I strongly feel this is my hard earned money. 

Anyway, customer service didn't budge. I escalated it to the rep 's manager - and she was even more rude. I hung up. 

Later that day, I reached out to " XXXX XXXX  XXXX '' from XXXX. It's a TV program on XXXX where they try to help with such consumer complaints. They replied back saying that they don't get involved with credit card issues due to privacy related matters. 

Hence, I am reaching out to you. Please help.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-12-09
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. (NV)

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-09
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. (SC)

Transunion reporting incorrect dates on file causing a XXXX point reduction in credit score. They are treating old accounts as new delinquencies when they are over XXXX years old. Disputed once previously and was corrected but issue keeps repeating.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (AZ)

My complaint is for Visa Vanilla gift card. I received a {$25.00} gift card a few months ago, and recently on XX/XX/19 I decided to use it for a XXXX order. My total was {$8.00} so I still had {$16.00} left on it. The following day when I went to use it at a clothing store the gift card declined twice, I didn't think much of it as I thought the machine did not read the card correctly. Later on, I checked the card balance online hoping the card reader at the store had been an error. To my surprise the balance was in fact {$0.00} because after my XXXX purchase a merchant under the name XXXX took out the whole {$16.00}. Concerned, I called the number on the back of the Vanilla gift  card to clear up this situation. A man with a thick accent answered and told me we could file a dispute, he collected my name, phone number, email address, and physical address. Only to tell me I had to email my information to XXXX with all the information I had just provided him. This is all very sketchy, how can a fraudster obtain gift card information so easily? I pulled up that email address above and found many people with similar situations to mine with Vanilla gift card. These are all red flags and something must be happening at that company. I did not email them my information as I was dissatisfied with the level of unprofessionalism with which my concerns were addressed. Who knows what they will do with my information now.
Consumer complaint received 2020-01-15
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. (NY)

I have opened the Citi Double Cash Card on XX/XX/XXXX, I have waited for two weeks but nothing in the mail, so I called Citibank about the issue I have and they told me the card has been activated and has charges on the card. Here is the problem, I never receive the card, so those are the unauthorized charges. I filed the dispute and asked them to send me the new card, when I get the new card I activated it and set up the online account but I still see the unauthorized charges amount ( {$490.00} ) on my card. ( They didn't credit me back ) So I called them again about the issue and they said the team is still investigating the case. However, on XX/XX/XXXX I received a letter from Citibank about the case and they said they concluded the investigation and it wasn't enough to support my claim. I have waited and called them so many times after the first call, but still nothing is solved.
Consumer complaint received 2019-12-09
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. (NV)

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.