davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (MI)

Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. American Express sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XX/XX/2021 regarding not having received bill a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with American Express ( in writing ) on my behalf on XX/XX/2021 a ) American express acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. American Express did not cease efforts to collect on disputed amount a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX 9. American Express did not notify me of their findings a ) American Express circumvented an investigation by having XXXX verify the current address XXXX : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. American Express did not investigate reasons for non-receipt of bills a ) acknowledged by American express in XXXX XXXX XXXX in response to CFPB XXXX XXXX 3. American Express continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NV)

I applied for a new credit card with Citibank. I already had one with them so this would be my second with Citibank. My only intent for the card was for a balance transfer. 
They responded immediately with an approval. 
I was happy and requested a balance transfer to XXXX XXXX for {$2900.00} plus their fee. About {$3000.00} in total around the end of XXXX. 
I never heard anything again from Citibank about this balance transfer. I did get multiple notifications to activate the card though. The balance transferred card always reflected a {$0.00} balance on my online account. 
Around the first week of XXXX, I had a balance of {$3800.00} on my first Citibank card and paid it off in full. About 4 days later, I received a voice message stating that Citibank was trying to get ahold of me. I called them back later that day and they notified me that I was delinquent on repaying on the second card for the balance transfer. Citibank states that XXXX XXXX cashed the check and I am responsible, and if I want this resolved to do my own investigation. 
I told them that I had never received the balance transfer and I was not paying back on it since I never got one. That fell on deaf ears. 
Since then, I have spoken to Citibank at least 5 times to inquire about the status of their investigation, something that I had to demand they do by the way, spoken to XXXX XXXX multiple times and every time they say that they never did receive anything from Citibank. 
XXXX XXXX even suggested we do a 3 way call to share the information together. Nope! Citibank wasn't interested in that! 
On Saturday, I inquired again about the status of the investigation and they said that they had determined their outcome and I would receive a letter explaining their decision. 
I have never benefitted from any balance transfer from Citibank and I am shocked at how callous they are regarding my sentiments.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2018-10-12
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 (WA)

Someone created a virtual card corresponding with my Bank of America credit card. Between XX/XX/XXXX & XX/XX/XXXX they charged XXXX {$5000.00}. We ( my wife & I ) use the card 1 or two times per month. Saturday, XX/XX/XXXX @ XXXX I received a text asking if 3 listed transactions were fraud, I texted back " yes ''. When I got home later I called Bank of America. By talking to the BoA associate I found out that these were fraud charges numbers 7, 8, & 9 on my card. We cancelled both of our cards, they re-issued new cards we were to receive in 7-10 days. I thought this would suspend all charging to my account until we activated our new cards .... Fraudulent charges continued immediately the next day and through the week.

I received another text from BoA on Friday, XX/XX/XXXX @ XXXX asking if the 3 charges listed were fraudulent, I replied " yes ''. One of the charges was XXXX XXXX XXXX, obviously some Asian fraudulent looking charge. I again called BoA and talked to an associate, found out there were charges throughout the week. We cancelled the cards that we hadn't even received yet. They removed all the charges from our record. 

We received a letter XX/XX/XXXX stating that they investigated & thought there was " NO FRAUD ''. The charges went back onto our account. I called BoA in early XXXX re-stating that these charges are fraudulent, we had our credit cards in our possession, we didn't loan them to anyone, & we did not make the charges. They removed the charges. 

We received two letters XX/XX/XXXX stating that they have completed an investigation and concluded no fraud. 

On XX/XX/XXXX I sent a certified letter to BoA re-stating the charges were fraud. I had also found many mistakes in there letters & billing. 1 ) No fraud on accounts ( credit card numbers ) where we weren't claiming any fraud. 2 ) Charges on our bill where they indicated that the charge was declined in the text that they sent me. 3 ) That we had never created a virtual card associated with this credit card. ( Why create a virtual card if we have chipped cards? ) 4 ) That we don't recognize the phone number associated with this credit card. I NEVER RECEIVED A RESPONSE TO THIS LETTER! 

On XX/XX/XXXX I sent ANOTHER certified letter to BoA asking them to 1 ) Remove the fraudulent charges, 2 ) removed the finance & interest payments, 3 ) Send me an accurate statement, 4 ) Send me evidence, logic, & reasoning as to why they think these charges are not fraudulent. 

On XX/XX/XXXX I received a letter from BoA stating we've reviewed your claim, we still think there is no fraud. We know you disagree, but we're not going to resolve in your favor.
Consumer complaint received 2020-01-29
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: SYNCHRONY FINANCIAL (NJ)

My credit reporting is showing an account opened on XX/XX/20 at PC Richard & Son with a {$5000.00} credit limit. Thats not possible due I already have an account t with them. 
I received the mentioned card and I immediately call the financing company, where I was told that It was not possible. Even when I had the card in my hands. 
I need this account to be removed from my credit report.
Consumer complaint received 2021-12-27
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)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (TX)

I attempted to cancel a monthly gym membership while the gym was closed due to covid restrictions. I first attempted to close by mail on XX/XX/XXXX but the gym was not accepting mail and my letter was returned as undeliverable. I then attempted to cancel by email but the email reply was an auto-reply saying the gym was closed! The gym was also not answering their phone. They gave no way for members to cancel while they were closed. Then when they re-opened they automatically started billing again and only processed cancellations after that. 

I have been receiving collection attempts from XXXX XXXX billing company, ABC Financial, who has never provided any information on the amount I owed despite my requests and my dispute of the validity of the debt. Their email bills to me showed a blank amount due ; I am attaching copies of two of these where you can see the amount due is blank. I never received anything by mail or email from either ABC Financial or XXXX XXXX showing an amount due. When I attempted to reach they gym directly, asking for validity of the debt that ABC Financial was attempting to collect, they did not reply to emails and my letter was returned to me as undeliverable. 

ABC Financial also continued to call my phone despite my requests for them to contact me by mail. Im attaching a phone bill showing their collection call on XX/XX/XXXX when I told them not to call my phone again. You can also see on the attached email correspondence that on XX/XX/XXXX I made the request in writing for them not to call me again. I'm attaching a phone bill showing one of the collection calls from them after I requested that they stop calling ( on XX/XX/XXXX ). 

They have now turned this account over to a collection agency.
Consumer complaint received 2018-04-12
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: SYNCHRONY FINANCIAL (SC)

I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/Belk, XXXX/jcp, XXXX/lowes, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from XXXX XXXX
Consumer complaint received 2022-06-11
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. (GA)

Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

1. XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 6. XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
Transunion and XXXX have deleted and removed the fraudulent accounts at this time.
Consumer complaint received 2021-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc. (WI)

XX/XX/21 - Approximately XXXX, I walked into Tesla Motors located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a consumer credit transaction with regards to a new Tesla . Everything was going fine until I was required to pay a reservation fee of {$250.00}. I reluctantly paid the reservation only to proceed to the finance portion. Tesla had a loan option but a consumer credit transaction option. As I reluctantly went through loan process, I gave Tesla my social security number which is a credit card number under 15 USC 1602 ( l ) to pay for the vehicle. My application was denied. I was confused and embarrassed because I know that I am the original creditor and I am the one who is extending credit to Tesla so how can they deny me? Why did they deny me? I tried to the finance department but the only person that I was able XXXX from XXXX in the sales department. After a couple conversations trying to get some answers, I received an email from XXXX XXXX at XXXX which stated that my application was denied due a low XXXX  score and delinquency on my account. They literally waited until the office closed on the west coast to send the information I was looking for. Ive tried to reach out to XXXX XXXX via telephone but I am getting no response. 
Tesla Motors actions were in direct violation of the Truth In Lending Act and other federal laws : 1 ) Running my credit card and denying my right to credit 15 USC 1602 ( f ) 2 ) I am the Original Creditor, I am not a borrower per federal law. I am the person extending credit to Tesla 15 USC 1602 ( g ). Neither Tesla nor their banking partners have the power to loan money under 12 USC 1431. They are the borrowers per 12 USC 1431 3 ) When applying for credit, there was no disclosure section speaking to a finance charge which is in direct violation of 15 USC 1632a, 15 USC 1632b, and 15 USC 1637a ( 1 through 8 ) 4 ) Shopped around my credit application without my knowledge or permission which left 5 different inquiries on consumer credit report. These actions are in violation 18 USC 1028A. 

XX/XX/21 - I tried to get in touch with XXXX XXXX again but no response or call back.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (VA)

XX/XX/XXXX I started refinance process with Caliber Home Loans. They quoted 30-45 day time frame from start to close. Today is day XXXX. They have strung me along requesting more and more documents that could have been asked for from the beginning. I have promptly provided documentation each time. At this point I am curious if I have any legal leverage against them.
Consumer complaint received 2022-09-15
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. (MI)

Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from XXXX or Transunion XXXX XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc. (AR)

I sent validation letters to Mid South Adjustments asking for the original contract bearing my signature. I was told to send in my Drivers License so they can see if the signatures match. I refused because of Identity Theft and was afraid that they would just say that the signatures match. XXXX XXXX ended up sending the Contract. The signatures DOES NOT match. The dates does not match the lease. The lease states I moved in on the XXXX of XX/XX/2014 but Mid South Adjustments XXXX XXXX XXXX contract ) states on XXXX I submitted a new service application. so that means I would have went without water services for over a year. Also you will see in the Drivers License # section is blank. I would think that I would know my Drivers License number. Everything that Im stating will be highlighted in the attachments along with my filing of a FTC Report I ask for Mid South Adjustment to remove and delete this account from my credit profile. Immediately There are to many inaccuracies. PLEASE REMOVE
Consumer complaint received 2021-12-06
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. (PA)

This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (GA)

I requested these inquiries be removed because I never gave consent to review my credit report. 



XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX / Inquiry : XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry : XX/XX/XXXX Jewelers ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX Miscellaneous Contact the inquirer : MAIL ONLY XXXX-XXXX Inquiry : XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry : XX/XX/XXXX Variety Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY