davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
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)

I disputed a charge with citi bank for the amount XXXX in XX/XX/2018. The merchant was supposed to fix my card but they NEVER fixed it and did not provided any services to me. So i disputed the charged for the services not provided with Citibank. Till XX/XX/2018 I have received zero communications from CITI bank. On XX/XX/XXXX I received an incomplete irrelevant letter that Citi bank investigated the dispute and according to the merchant 's provided documentation they were closing the dispute in the merchants favor. The funny thing is that Citi bank is telling me to review the merchant 's documentation and if i still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of my dispute but CITI never attached ANY SUPPORTING DOCUMENTATION FROM MERCHANT THAT THEY HAVE PROVIDED ANY SERVICE TO ME. The letter they sent to me is unprofessional and unreasonable. After receiving this letter i tried to call the dispute department several times but they were never available and responded my calls. I have sent 3 emails to Citi bank billing disputes department but nobody replied to me. It is ridiculous and bad service from Citi bank. 
I want CITI bank to finalize the dispute in my favor as the merchant according to Citi bank provided documentation provided zero proofs showing that they provided any services to me and citi bank did nothing to recover my funds. I want all my funds to recovered within 24 hours. This type of customer service in unacceptable from the bank.
Consumer complaint received 2019-07-11
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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2019, I requested to change my credit card type ( XXXX XXXX XXXX American Express card ending in XXXX ) to a more advanced card ( XXXX XXXX XXXX American Express XXXX card, card number remains unchanged ) in response to a promotion offer ( the offer page is attached below ) which stated that I shall receive XXXX XXXX Reward points after I spend more than XXXX XXXX dollars on the new card within 90 days following the card change. I made the change ( i.e. upgrade ) through a phone call since the offer link given was leading to errors if upgrade online. 

By XX/XX/2019, I already completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). I contacted a XXXX of American Express and mentioned the upgrade offer, asking them to verify that my purchase amount had exceeded XXXX. The agent couldn't locate such a upgrade offer on my account and my concern was escalated to a XXXX XXXX XXXX XXXX XXXX XXXX who asked me to share the offer page through his personal email ( XXXX ). Through our email exchange, I provided some details of the upgrade offer on XX/XX/XXXX. However, I then never heard from him after his one-time reply. I had requested a follow up through this email for several times, on XX/XX/XXXX, XX/XX/XXXX, etc. Our email exchange history is attached. 

By XX/XX/2019 when it has been 90 days since I changed the card type, I have completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). No bonus posted to my XXXX account.
Consumer complaint received 2019-10-11
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2019-10-11
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2019-07-11
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)

I paid for a hotel stay with my CITI Credit card and was billed twice by XXXX XXXX. I submitted a charge back for the duplicate charge and figured it was resolved. A couple of days later, i received a communication from CITI that they have concluded their investigation, and that the determined that the charge was correct. When I looked at the attachment, i noticed that XXXX XXXX included a one page print out stating that I was a no show for the stay. My complaint was for a duplicate charge, i did agree with one of the charges. I proceeded to respond to the denial of claim, and write out a moment by moment account of what happened. Essentially, i called and asked for a room at XXXX XXXX, the said the could hold one if i gave them my credit card. I gave them my number, and when i showed up to the motel, they swiped it again. This is how i was charged twice. CITI responded with saying that they believed that the other charge was the incorrect one, and sent it XXXX XXXX. XXXX XXXX responded with my booking information, my name and my stay and CITI again reversed the charge and said that their investigation was complete ruling against me. 

I believe CITI Credit Card 's incompetence is harming the public. By blindly rubber stamping any reply from merchants i believe CITI is allowing merchants using their CITI 's services to commit fraud against the public. Based on XXXX XXXX 's response i believe XXXX XXXX is intentionally trying to double charge people, and utilizing CITI credit card laziness to facilitate their fraud of the public.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}
Consumer complaint received 2019-10-11
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. (TX)

Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted
Consumer complaint received 2019-10-11
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 — Problem with personal statement of dispute
Company: Flagstar Bank, National Association (NJ)

XXXX XXXX XXXX bank credit card put my credit card statements as paperless without my permission, resulting in my forgetting to make a payment. This caused a 30 day late occurrence on my credit report. I asked XXXX XXXX XXXX bank to remove the 30 day late occurrence from my credit report and they did not accommodate. 

This practice of tricking consumers into opting into paperless is a common tactic used by many financial institutions that result in late charges for consumers and benefit these institutions, because statements are sent out to consumers. 

something needs to be done about this online malpractice.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (SC)

I had went to Suntrust banking back in XX/XX/2018, I had issues with a merchant making unauthorize debit from my checking account. They changed my card. After receiving the new card, some how they was still able to continue debting my account. I went to speak with the manager about my account, and the decision was to suspend account temporarily and watch the accounts. I ask the manager what will be the best action to take and the decision was to suspend the card. while the was suspend the merchant would try to debit account four to five times daily. After two month the manager decisison was to unblock the card, and stated that the bank would put a security alerts on the account so the merchant could not debit card anymore. The card was unblock and the merchant took all my disability income. I filed several claim with Suntrust Bank, after long time waiting for respond the claim was denied because of inconsistencies. What ever that mean. The should have never unblocked the card, I should have been reissue a new card.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and XXXX have removed it but Equifax is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX XXXX XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX Bank XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 Equifax XXXX XXXX - XX/XX/2019 Equifax XXXX XXXX Finance/Personal XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I received this debt in XXXX alleging I owe the company {$1000.00}. I asked for proof on XX/XX/20 of what I owed to them and they only sent me proof indicated I owed {$190.00} on XX/XX/20. Since then I have mailed them for the additional amounts to be verified and they have not responded to me and they are still reporting that I owe them {$1000.00} to the credit companies. They are violating the Fair Debt Collections act by not removing these charges from my credit before verifying the amount I owe to them. On XX/XX/2020 I attempted to contact them and they advised that my account was restricted and that I needed to email someone else at the company in order for them to give me any info or try to settle anything with me. I asked if they were refusing to settle the debt since I was ready to make a payment on what I owed and they only told me that I had to email someone in order to get any info or to move forward. They did not answer any other question I had and they only danced around the info I requested. The 1st time I tried to email this company the email would not go through and my email service kicked my email back advising that they could not connect my message to their email server.
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX  credit card was used by an ex spouse, I tried numerous times to dispute the debt because it was used with HIS CARD, not mine. The debt was established in XX/XX/XXXX and should have come off of all three bureaus by now. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. However, Portfolio Recovery Associates, LLC keeps sending me communication and renewing the debt so that it looks like NEW debt on my credit. 

They have sent me communication in XX/XX/XXXX AFTER the debt should have been removed.
Consumer complaint received 2022-04-29
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. (TN)

Transunion has my name listed as XXXX XXXX XXXX ( which is correct ) XXXX, XXXX, XXXX ( which is not correct ) XXXX XXXX ( which is not correct )
Consumer complaint received 2019-06-24
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. (CA)

FOR MONTHS HAVE BEEN TRYING TO REMOVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX KEEPS TELLING ME THAT THYE HAVE SUBMITTED MY DISPUTE TO XXXX  XXXX XXXX AND TO XXXX XXXX  LINE OF CREDIT. TODAY I SPOKE WITH A MANAGER AT EQUIFAX AND SHE INFORMED ME THAT THEY DISPUTE HAS NEVER BEEN SUBMITTED TO XXXX  XXXX XXXX AND TO XXXX XXXX LINE OF CREDIT. 

I AM NOT REALLY SURE WHAT ELSE TO DO, AND NOT REALLY SURE TO WHOMI SHOULD CONTACT SO I CAN FINALLY HAVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2019-07-11
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. (GA)

Hey I was looking on my credit report and I see TransUnion is reporting XXXX XXXXr XXXX charged off account as open when its closed. Second, The balance is {$12000.00} but TransUnion is reporting {$15000.00} on my credit report. TransUnion reporting that on XX/XX/XXXX at the public auction {$8000.00} was paid on this account from {$20000.00} which shouldve brought the balance to {$12000.00}. I included a copy of my credit report that TransUnion mail to me on XX/XX/XXXX which shows a payment of {$8000.00} and a charged off balance of {$20000.00}. TransUnion has been illegally reporting {$15000.00} since XX/XX/XXXX which damaged my credit and had me stressed. That was 1 year of false and illegally reporting that damage my character and reputation. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I had my XXXX account for over 10 years and when they offered 0 % interest for 12 months on my appliance and lawn furniture the company went out of business. Later Synchrony Home offered a new account but I was unable to use the card due to no stores in my area at the time. After several call to discuss my payments and why the balance is so high they never provided me an understanding on why my fees and interest kept rising but balance never went below 3K? Additionally, I had some bank fraud in XXXX to XXXX and explained to the associate what was going on but I was unable to pay the increase fees that was not waive. Now they sent this account to XXXX  a collection agency. I feel after the store went out of business there was bad accounting practices and never accurate. I was a very good paying customer on this account due to my inquiries they elected to close the account XX/XX/2019 stated no payments but was willing to pay if the provided validation of debt first.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

I was attempting to lift an Equifax credit freeze that was necessary for a time-sensitive mortgage refinance. I had my PIN number and all other relevant information, but was never asked for any of it. Instead I was asked to send physical copies of documents, including social security card and passport, to a PO Box in Georgia. While I am fairly certain I dialed the correct phone number for Equifax, the whole experience was suspicious. I was clearly connected with a foreign call center and I'm pretty sure I was not talking to a person likely to be named " XXXX ''. How do I know if this PO Box is even legitimate?
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

A non profit Alliance helped us to submit the Loan Modification Application to Rushmore Loan Management Services and our application was denied and all the given reasons were not correct or true. So I submitted a response to their letter of denial and pointed out the every 6 items of their reason were totally wrong. In addition the current mortgage statements are totally wrong also because it showed we are 3 months behind when in fact they acknowledged and accepted they received the mortgage payments except for XX/XX/2019 which I am investigating why I missed said loan payment. I am suspecting XXXX XXXX Staff were involved in this issue. 

From the foregoing it is apparent Rushmore is more focused and directed to foreclose the property since we received a lot of notices about the intent to foreclose the property. Most of the time we received two notices in a month. I complained above this issues but Rushmore just ignore my complaints though they told me that they will correct it. Todate the issues remained on the same condition. Even many emails were exchanged and many phones call made the situation remained the same. 

From the progress and development of the issues Rushmore is trying to established and justify their future actions that is to foreclose the property
Consumer complaint received 2021-02-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

According to XXXX and XXXX my rental application for XXXX XXXX was denied because of the following below : This decision was taken for the following reasons : Rental history Prior to this denial, XXXX  directly called my prior landlord at XXXX XXXX XXXX. 
XXXX came back to me, stating I owed a balance of {$3100.00}. XXXX XXXX XXXX provided them with false information and I told XXXX that. However, they still denied my rental application solely based on a verbal from my previous landlord, rather than a derogatory mark or collections on my credit report. As of today I have zero derogatory mark or collections on my credit report. 

I have Experian report under XXXX which I have no idea why this is there. XXXX gave me XXXX  name and address, but provided nothing for Experian in the denial email they sent to me. 

XXXX stated in the denial email verbatim that, " The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why adverse action was taken. '' They can't give me a specific reason because it isn't on my credit report, and they took a verbal from a landlord.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Radius Global Solutions LLC Radius Reference Number XXXX Balance Due XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail Code COMM XX/XX/2019 Customer Service - XXXX ext XXXX Refers to debt as XXXX BANK ACCOUNT XXXX XXXX XXXX No such account exists website provided was XXXX which is clearly fake and asks for last four of social to pay debt