davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TX)

I was receiving multiple calls from an unknown number, always with my shared zip code. They left vague pre recorded voicemails, didn't leave a company name or what the call was regarding.When trying to calling the number back it was disconnected, finally on XX/XX/XXXX I was able to answer the call. A woman answered ( still didn't state the companies name ) verified my name ( my maiden name named changed in XXXX when I was married ) and told me that she is processing a claim against me. She said I opened a credit card in XXXX and that it was in default. I told her that is impossible, I did not open a credit card in XXXX. She told me it was a Citi bank world gold mastercard and payments had been made, she read off an old address of mine and my current drivers license number. She also told me the last four digits of the supposed card number, last four of my social security number and told me my current employer. I did NOT give her any of my personal information, but she knew all of it already. I got very panicked as I thought someone had stolen my identity, I told her as much and she was firm in telling me if someone had stolen my identity they would not make payments. I told her that I had filed for bankruptcy and it was discharged in XXXX, she again told me this credit card was opened in XXXX and payments had been made on that card. She said the amount owed was over {$7000.00}, and she was giving me a chance to rectify the situation. I asked her if that information would appear on my report report, she stated no she hadn't processed it, so it would not appear on my credit report. She gave me her first name ( XXXX ) last name ( XXXX ) and her direct number ( XXXX ) to call back once I figured out what was doing on. I pulled up my credit reports, nothing on those. Called Citibank no account found, and got in touch with FTC. I also looked at my bankruptcy paper work and found a credit card that was financed through citi bank, the account number was one digit off from the last four card number she had given me. So, I called her back today to let her know that her information was wrong, no credit card was opened in XXXX and that the debt was charged off in a bankruptcy. She became irate told me that no, I was in fact wrong, and that she will move forward with processing this claim and that I would regret this. I told her I needed her companies name and address to give to my bankruptcy lawyer she hung up on me. I called back several times, she hung up and threatened to file harassment charges.
Consumer complaint received 2023-04-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX of 2019 about XXXX XXXX I got home from work and I knew my XXXX XXXX bill was due and could not find the bill. So I used the previous months bill to call in a payment. The recording told me that my balance was {$56.00}. I used my debit card to pay the total balance that I owed. I did not think to look at the mail in XXXX because I made no purchases and knew I paid the bill on the date it was due in XXXX. I did look at the mail from XXXX XXXX in XXXX which showed two late fees when I paid the total balance due on the date it was due in XXXX. I called the phone number on the bills and finally got a hold of a customer service rep. The rep said I paid the bill too late in the day on the XXXX of XXXX and because of this when they finally took payment from my bank on the XXXX of XXXX they charged me the {$25.00} late fee in XXXX and another because I did not pay that XXXX late fee. I was furious, and instead of using profanity I told the rep to close my account and hung up. I got a bill today where another late fee was added and am very mad. It would be one thing if I paid the bill after midnight and I knew I was late, but I paid the bill on the XXXX of XXXX, I called them and the automated system did not tell me I was late. So paying the total balance I owed there should be no late fees applied.
Consumer complaint received 2023-04-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-09-29
Product: Credit card — Store credit 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. (VA)

I have sent Macy 's a letter disputing this charge and they are ignoring my request and continuing to bill me for the {$58.00} and now adding late fees to the original amount. There was never an explanation for the original amount. 

Macys , Inc. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, NY XXXX Dear Sir or Madam, I am disputing a charge on my XX/XX/2023 statement in the amount of {$58.00}. I talked to one of your agents on the phone on XX/XX/XXXX, and she explained that the charge is for the discount of {$58.00} I received when I purchased luggage for {$290.00}. I returned the luggage to the XXXX XXXX XXXX  and was reimbursed for {$290.00}. I should have received credit for {$58.00} as I returned the luggage. I did not keep the luggage and never used it. I did keep and pay for the other purchases I made on my first day with that new credit card. 
The bill I received in XXXX shows a previous balance of {$460.00}, payment of {$170.00}, credit of {$290.00}, and purchases or other debits of {$58.00}. My records and receipts do not explain the purchases or other debits in the amount of {$58.00}. 
I notified your billing department in XXXX that I was disputing the original charge of {$58.00}, but your billing department has neither acknowledged my questioning the {$58.00} nor relented in attempting to collect this amount, without explanation. I have been advised that I should contact the Consumer Financial Protection Bureau if you continue to attempt to collect this amount. Please explain the reason why you are demanding payment for a discount when I returned the luggage unused and with tags still on the luggage only a few days after my purchase. 
As a result of my phone call to Macys Customer Service on XX/XX/XXXX, my account has been credited for a late fee of {$30.00} plus an additional fee of {$2.00}, but I have received nothing, neither goods nor services, for the {$58.00}. I would greatly appreciate a note from your business acknowledging the dispute over this amount and expunging {$58.00} from my account. 
Sincerely,
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX opened XX/XX/2019 Balance {$5600.00}.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (LA)

The agency was asked to provide validation of an alleged debt on XX/XX/19. I sent the agency two original billing statements from the original creditor along with the VOD letter. The letter of response from the agency dated XX/XX/19 stated it had validated the debt and provided a copy of a Statement of Security Deposit Account with my name fraudulently added to the accounting statement and is clearly evident in the different font size of the names. According to the original billing statement the accounting of the charges are inaccurate as well. I wrote to the agency again on XX/XX/19 stating the statement was misleading and fraudulent since I had already provided an original billing statement from the original creditor with the true and correct information. Since the agency blatantly ignored the proof I provided I requested them to provide me with a contract with my signature on it, an affidavit signed under penalty of perjury or something other than a typed up document parroting incorrect information. The agency refused my request stating my dispute is frivolous, despite the original billing statements I provided, and the statement they provided was considered proper verification. Since the agency continued to report the fraudulent account I also disputed the information with all three credit bureaus providing the same information. The bureaus claim to have verified the information with the furnishing agency despite original billing statement I provided. It seems the bureaus are also just parroting information without doing there own independent investigation.
Consumer complaint received 2023-08-21
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 (CA)

On XX/XX/, I opened a new gold american express credit card cause I saw offer of XXXX bonus points if I spend {$4000.00} in first 3 months. I got approved but they said I won't get bonus points, I was so confused. When I received the card, I called A/X to verify if I will receive the bonus points as they advertised on XXXX or not. The lady ( A/X representative ) firmly confirmed that I surely will get the bonus points. When I completed spending {$4000.00} I called them to get the bonus points, they said I won't get it, they also said will check the recording if the rep confirmed that or not. Couple weeks later, I called in & checked about my bonus points again. They confirmed the lady offered me XXXX bonus points on the phone by checking the recording, they said it as a mistake & I won't get any bonus points. They mislead information when offer me bonus points, I should had cancel the card at the beginning if they told me I won't get any bonus points, I have been charged {$250.00} membership fee for nothing due to their mislead information. 
conclusion : I need XXXX bonus points deposit to my account asap as they promised when I opened the new card which was offered & confirmed by their representative when I called in, it was recorded in their system.
Consumer complaint received 2023-07-06
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2020-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NH)

Every month since I have graduated I have been trying to pay these loans and every month they mess up how the payment gets processed and its only until I end up calling and verifying everything 3 times in one or two weeks that they finally figure out how to process my payment. As this has now gone on for five months its getting to the point of malpractice and Im genuinely concerned that they are trying to force late fees on my account and mess up my credit score to the point where I cant refinance at another institution that would actually know how to do basic addition and subtraction and process payments. The latest problem I ran into with them is that once again my payment, which I tried paying 4 days ahead of the due date, was rejected even though I had money in my account and the account had worked to process the payment the month before ( after calling 3 separate times in the previous month to finally get it to show up ). So yesterday I called them and asked them why it didnt go through and after an hour on the phone with an agent she said she was able to process the full amount for all 3 of my student loans and the money was taken out of my account so I thought it would be okay. Today I checked my app and after another half hour on the phone the guy found out she put all my payments into only one of my loans so I have to pay for the other two ( which are now past due and have fees because everything takes 3-5 business days to process ). This is just the latest example of how inefficient and almost maliciously incompetent this company is. To any body out there reading this DO NOT USE SALLIE MAE FOR YOUR STUDENT LOANS.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

After I was diagnosed with XXXX and had my treatment, I started having difficulty paying for my house, I submitted the documents for Modification, 2 years trying to achieve a mofificacion, I got sick of stress and impotence of not having my approval. I moved from my house and tried to make a shortsale and neither DITECH AND GREEN TREE OR XXXX  XXXX help me. I have a buyer paying Cash {$190000.00} and they do not accept, they do not respond .. I have the sale in 2 weeks and I will lose my house for them. please I need help!!! loan XXXX DITECH XXXX extension XXXX
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX is a debt collection company that alleges that I owe them a total of {$1600.00}. On at least two occasions that I can verify : XX/XX/XXXX and XX/XX/XXXX I requested that the company verify the debt in compliance with section 609 of the Fair Credit Reporting Act. The company refused to do so and sent back a letter stating that they did not understand my letter. On XX/XX/XXXX I received a letter threatening legal action on the two accounts even though they refuse to verify the debts.
Consumer complaint received 2019-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My issue is with TransUnion dropping my score 28 points without proper explanation. I received an updated score today XX/XX/19 and my TransUnion score dropped 28points whereas my XXXX report increased 29 points and my XXXX score also increased. When I asked TransUnion to give me an explanation of the large score discrepancies, they claim it is because I opened a new account and had 1 late payment. The same information is on all 3 reports, yet TransUnion is the only company reporting a low score. Their score 82 points lower than my highest score! It is beyond frustration and unfair that these companies can get away with ruining our lives without explanation or a standard calculation system. I have the right to have a detailed explanation, including specific numbers and how each item on my report is scored. This blind reporting has got to stop.
Consumer complaint received 2019-04-19
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. (CA)

They wont remove hard inquiries that I didnt have knowledge of and wont remove my late student loan payment when I was in forbearance
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have the records that show i cashed a check from a prospective employer who paid me cash up front buy needed equipment for a job i was being hired for ... cash check with my bank and talk to someone who says that once funds were release to my account that the check couldn't bounce or be removed from my account so i send off XXXX via XXXX to XXXX was found out ot be a scam .... but i was told that the funds once i could pay them out they couldn't be returned ... i waited three days before sending anything off the cashed check... well that was completely wrong .... and two days later after the XXXX had already been sent offf via XXXX they bounced the check in the first place leaving me down XXXX XXXX  plus fees for loan I took out when i realized i had been scammed and even told the bank i was scammed and they made it impossible for me to talk to the person who assured me that my funds would not be recalled after the scam artist had gotten me to cash their faulty check and send out funds =the bank said couldn't be recalled so i was out XXXX + fees for taking out a loan on my credit card to cover for over draft issues with the XXXX dollar check being returned after begin told false info from calling in to the bank first ... i have records that Ive taken down off of my account but cant get records of who gave me the false info and chase bank has never let me find who gave me te false info... .the check was returned XX/XX/2022, check initially cleared via online deposit XX/XX/XXXX ... i waited until XX/XX/XXXX to send off the first XXXX payment and was about to send off XXXX more before i got stopped up and decided to double check again to find out id been scammed and hoodwinked by my bank at the same time
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IL)

XXXX XXXX agreed to install cable internet service at my residence. They came to the residence, put up wires, but the service was never functional. I informed them of this fact, they told me the only thing I could do was pay the outstanding bill for a month of service and then they could come out for a service call. They have since sent my account to debt collection. This does not seam fair as I never had working service from them, nor did I agree to pay them for service that they attempted to install before it was working. There is no written agreement between XXXX and myself so I am at a loss to explain why they are sending my account to collections or even how it is possible to send an account to collections based off of the non-contractual relationship we have.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2019 I called Equifax 's customer service phone number to request a copy of my credit report. I was told that there was information I responded to that did not match what Equifax had on record. I was instructed to fax a copy of photo id, social security card, and a current pay stub. All was provided the same day. 

I waited thirty 30 ( thirty ) days, and still did not receive a copy of my report. On XX/XX/2019 there was a request for separation from employer information submitted by the NJDOL Unemployment division. There was a fraudulent claim submitted under my name and social security number. I immediately contact the fraud division and had the claim terminated. 

On XX/XX/2019, I submitted a copy of the letter I faxed to NJDOL to Equifax to prove that my identity has been compromised. Still no copy of my credit report was released. On or about XX/XX/2019 I resubmitted my proof with a copy of a letter I received from the Department of Labor, verifying that my identity had been stolen via fax to Equifax ; still no copy of my credit report was released. 

Upon researching the FTCs website concerning Equifax 's data breach, I discovered that my identity was one affected. I claimed the {$120.00}. On XX/XX/2019 I submitted a letter to XXXX XXXX XXXX Request Service @ XXXX XXXX XXXX XXXX, GA XXXX with copies of all my proofs in writing for a copy of my elusive report ; to no avail. 

On XX/XX/2019, I received a letter from Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX acknowledging my request for my credit report, however ; demanding another copy of my photo id ; social security card ; W2 and or pay stub be resubmitted in writing via mail. Said letter also claimed that I must submit documentation for a CURRENT MAILING ADDRESS, which is an address I have not lived at for over a decade. Again I released documentation with my TRUE CURRENT information. 

On XX/XX/2019, I received a phone call from one XXXX XXXX Credit Card regarding a delinquent account. I received the account number for same, after explaining to Ms. XXXX XXXX that my identity had been attacked as a result of a data breach, and that the credit account in question was a fraudulent one. I was instructed to submit my documentation in writing with a letter explaining what happened via fax, so that the account could be marked as fraud and closed. I obliged. A copy of said letter was also faxed to Equifax, with ANOTHER copy of all documents submitted since XX/XX/XXXX. Still to date, I HAVE NOT RECEIVED A COPY OF MY ANNUAL CREDIT REPORT.