davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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. (CA)

I would like to formally file a complaint against Citi 's Costco Visa card and the Citi card protection benefits are provided by XXXX  XXXX XXXX XXXX. I am filling a complaint as I have requested payment using my extended warranty reward. 

XX/XX/XXXX- Filled original claim with credit card company for reimbursement. At this point the company requested several docs which were all provided.

XX/XX/XXXX- Citi denied the claim requesting receipts and credit card statements matching numbers. In early XX/XX/XXXX my credit card number was changed but still the same account which caused confusion. I clarified and resubmitted it along with product photos. 

XX/XX/XXXX- Citi requested " Please provide copies of the monthly phone bills showing monthly payments to the device using the Citi credit card. '' I then submitted a number of bills, including one showing that this was on autopsy and month 24 of 24 had been paid with the credit card.

XX/XX/XXXX- Now Citi is requesting all phone bills ...

As can be seen by this pattern, Citi and Citi card  protection benefits are provided by XXXX  XXXX XXXX are continuously giving me and many customer just like me the run around.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, XXXX, or transunion about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!
Consumer complaint received 2020-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Re : The Bank Company Delaying a Fund Transaction. 

-- PROBLEM BANK - UNION BANK. 

-- The Complainant Sent a Small Amount ( College Tuition ) to the Union Bank, from the Complaint 's External Bank Account, XX/XX/2020, However, The Bank Company, Delaying the Transaction. 

REMITTANCE REF XXXX TO XXXX XXXX XXXX USD Kindly Advise the Bank Company XXXX to Review the Process, Conduct the Fund Transaction, At Its Earliest Convenience Please ... 


-- Thank You Very Much, We Appreciate Your Business. 

-- XXXX ( SS # : XXXX. ) XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2021-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

XXXX was recommended to us thru a good friend of ours to re-finance our loan. Everything went well the first time. We closed in XXXX. 
As soon as our closing was complete, XXXX started harassing us to re-finance again, promising us a lower rate and guaranteed us we would not have to bring any money to the closing table. 
Isnt that called predatory lending? 
We finally gave in. The whole process lasted about 7 months. The night before we were to close, ( XX/XX/XXXX ), XXXX tells us that we would need to bring between XXXX and XXXX to the closing table. We told him that was not what he had promised, and we did not have that type of money. We feel like he tried to bait and switch us after harassing us for months and guaranteeing that we would not have to bring any money to the closing table. 

We would like to file a formal complaint against XXXX for his relentless harassment and the way in which we feel he tried to bait and switch us at the last minute. We are hoping to bring light to this situation and hope we can stop him from treating anyone else like this. We feel so violated. We trusted XXXX to find out he was lying to us the whole time. After this experience with XXXX, I would never recommend him or his company he represents ( Caliber homes ) to anyone. If they let someone like that work for them, what does it say about the integrity and honesty about the company. 

XXXX XXXX XXXX works for Caliber homes in XXXX. His NMLS # is XXXX That office # is XXXXHis cell # is XXXX. 

The Caliber corporate # is XXXX
Consumer complaint received 2020-03-30
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OK)

Statements read prior to purchasing XXXX gift card provided instruction on recovering for lost or stolen card purchased at XXXX on XX/XX/2021 ( my birthday ) so I would be able to charge for gasoline etc. instead of using cash traveling from XXXX XXXX to XXXX. As I was exiting XXXX after purchasing this card with my debit card, I had taken it out of the bag and put it into my pants pocket. I noticed when I got to my card, I could not find it. I went back to the Car Repairman where my car was and asked. This is when I was told that one of the service repairman was going to inquire at XXXX Customer Service ( since I had already called and received no response ). 

I called, emailed, and faxed ( XXXX ) information in reference to given Case # XXXX several times. Ultimately, the receipt from XXXX and records requested was submitted and several calls made with contradiction of written advertisement about refunds if lost or stolen. I will provide more pertinent documents and information upon request.
Consumer complaint received 2021-10-18
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)

The following information are inaccurate on my credit report. 

XXXX  XXXX  XXXX XXXX XX/XX/XXXX AMT. {$7200.00} - DOES NOT BELONG TO ME XXXX/XXXX OPEN XX/XX/XXXX AMT. {$500.00} -DOES NOT BELONG TO ME XXXX  XXXX  XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX  XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX AMT {$660.00} -DOES NOT BELONG TO ME XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX AMT. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I live in XXXX and a rental property collection has appeared on my credit report. 

This information is completely false and does not belong on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (MI)

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, XXXXuthorized Agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/2020 ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.
Consumer complaint received 2020-03-30
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: NAVY FEDERAL CREDIT UNION (FL)

During the week of XX/XX/2020, I took my son to spring break and staying at several XXXX XXXX   chains. 

I cancelled several reservations due to the COVID-19 and XXXX 's decision to limit and discontinue regular services like room service and so on. 

On XX/XX/2020, after reviewing my credit card activity online. I saw that XXXX charged my visa card ending in XXXX for XXXX. I immediately called XXXX to get this charged removed. 

I was transferred at lest 4 times before hanging up. I then called my bank Navy FCU. I explained the situation and the man in the credit card department initiated an investigation. 

Because I had not heard from my bank about a resolution, I called the bank today and I received horrible service. I was transferred at least 4 times before I got fed up and hung up the phone.
Consumer complaint received 2021-10-18
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. (CA)

XXXX XXXX  XXXX has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.
Consumer complaint received 2020-04-10
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. (AL)

I sent a letter to Experian dated XX/XX/2020 by certified mail. Experian received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I called Experian a few times to get more information about these inquiries. I was told that I would have to contact each company separately. Before I called them back, I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with Experian. I followed up with a call back to Experian. I was put on hold 3 times and I was also transferred a few times. Not sure who the first person it was that I spoke to, but I also spoke to a XXXX before being transferred the first time and a XXXX the last time. I was finally told the fraud department was down and I had to call back. Each time I called back I could not reach a representative. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I first want to state that this complaint is being submitted on MY OWN BEHALF. This is NOT a third party company. I XXXX XXXX XXXX am seeking remedy in the form of monetary relief for the violations that TRANSUNION has committed against the me a natural person. I have submitted numerous complaints and only half of my instructions and demands were honored. I have also called TRANSUNION to get remedy in private however to no avail and was instructed that they can only submit disputes. I have demanded all account items be deleted and the FICO score be re calculated to the highest numerical value of XXXX. In addition I recently received proof that my consumer rights were violated. I received investigation results that displays 7 deletions. Not only were those 7 account reporting for years i the natural person was denied extensions of credit which is discrimination of character because credit is the right granted by the consumer and not a bank. According to the National Banking Act banks can not lend their own credit. Credit can only be extended originally by the natural person. TRANSUNION is liable for the violations and I am demanding remedy due to those violations pursuant to the FCRA
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

On XX/XX/20 I opened a checking and savings account online with Bank of America where I deposited {$100.00} into each account for a total of {$200.00}. I received an email stating that my accounts were approved and the money was debited from my account. I went to their website and tried logging in and it said I had to call a phone number to speak to a representative. I call them immediately ( XX/XX/20 ) and the gentleman said that the accounts were closed because upon further review they could not verify my identity and that I would be sent a cashier 's check via regular mail within 7 to 10 business days. I was extremely upset because I dont understand why if the money was taken from my account in seconds that it couldn't be credited back in the same timely manner? I receive my direct deposit from my employer on a BANK OF AMERICA issued card so how is it that they can not verify my identity?! Ok, so here it is XX/XX/20 and still no cashier 's check. I call one of the 1 800 numbers listed online and there's a 57 minute wait for the call to be answered. So I go back online to try live chat, they can not access specific account information online and give me another 1 800 number to call where I am once again put on hold. I spoke to 3 different people and was told my check was sent to an address that does not even exist in the town I live in and that I would have to wait 91 days until the check expires to be reissued another check that will take another 7-10 business to receive. A check that I wont be able to cash because I do not have a bank account! Why and how is it that banks get away with this?! I am a single mother who works hard EVERY DAY to earn every bit of what's leftover after taxes are taken out to help people that DON'T work, so please explain to me why and how this is acceptable?! All they are doing is making interest off of MY money! Money that I can not pay my Bill 's with now because they won't credit it back into my account they took it out of! Why do we have all of this technology then? The last lady I spoke with, XXXX, said they could not stop payment on the check and reissue another one ... WHY NOT?! Please give me some answers as to why financial institutions are getting away with these types of issues on a daily basis? Its robbery.
Consumer complaint received 2021-10-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (MO)

My husband and I applied for a construction loan through Arvest in XXXX, MO. We thought we had done enough research and were going with someone who would help us. We were wrong. First, our DTI was calculated using our temporary rent ( while we build ) as permanent debt after our build, and a " proposed '' payment for a final loan was added to our DTI making it very high. This took some work on our part to get Arvest to fix it. We got all the way through our construction application process ( 8-10 weeks ) and the appraisal came back extremely under market value. Our new construction home was appraised at $ XXXX/sq ft, while other banks were estimated at $ XXXXsq ft. The wrong land was appraised as well. We sent in a appraisal appeal and assumed that the bank would see how under value the appraiser had done. We were told we had to obtain our own comps, and were given no guidelines other than confirmed sold within 12 months and comparable. We thought we did well obtaining comps. We even submitted reviews for the appraiser, XXXX XXXX with XXXX XXXX XXXX. All of which were 1 star for under appraisal. The appeal came back XXXX/XXXX/21 as no changes stating " comps weren't close enough ''. Our house is going to be XXXX sq ft. We used comps of houses XXXX sq ft. They said the lots were too small on some comps. Some used on the official appraisal were 2 acres. The appraiser was at the meeting with the bank appeal team and the appraiser was the one to make the final call. I called Arvest and asked why there were no changes when the land appraised was not even the correct land. I was not given a good explanation and was basically told there was nothing I could do, other than submitting a new appraisal or doing an additional loan causing more risk to us. I have submitted a formal complaint with them and a manager from the bank contacted me ( with no help ). We are now starting from square one at a new bank, with higher ratings. I'm trying to ensure nobody goes through this same boat with Arvest Bank. We have good credit, a good income, and we don't have much debt. There is no reason this should've happened to us. It almost like Arvest did not want to give us a loan.
Consumer complaint received 2020-03-30
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.