davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (NJ)

On XX/XX/XXXX I purchased an above-ground swimming pool liner from the vendor XXXX for {$790.00} using my Citi issued credit card. 
I received the liner and installed it following the manufacturers instructions. Shortly after the installation the liner was damaged and while investigating the damage, we discovered that the product sent to us was not what was advertised. 

Swimming pool liners are typically sold by thickness, a thicker liner is more durable and more expensive. I purchased a liner that was advertised by XXXX as XXXX thickness because it would have been more durable than the thinner XXXX XXXX  or thinner liners. While investigating the damage, we learned that the manufacturer of this product does not advertise or market their liners as XXXX and that the liner sold to us as XXXX was not XXXX. This meant that the liner was weaker than what i had intended to purchase. 

On XX/XX/XXXX i reached out to the vendor XXXX requesting a replacement of the liner with one that had the thickness i ordered. They assigned me ticket number XXXX and routed me directly to the manufacturer. 

On XX/XX/XXXX, the manufacturer confirmed they would not be able to issue warranty replacement because the product was not defective, but confirmed in writing that they do not sell or market their liners as XXXX. 

On XX/XX/XXXX, i filed my dispute with Citi, requesting chargeback because the item was not as advertised and there was no resolution from the vendor or manufacturer On XX/XX/XXXX, Citi closed my dispute based on reply from the vendor, which incorrectly stated that i had never contacted them about the issue. As mentioned above i had a ticket number from the vendor for this issue. 

On XX/XX/XXXX, I asked Citi to appeal my dispute by providing the requested information that Citi had noted in their communication on XX/XX/XXXX. 

On XX/XX/XXXX, Citi closed my dispute with the comment that i had not provided the requested information, even though i had. The communication said that there would be no further assistance from Citi on this matter. 

I don't think vendors should get away with providing Citi with false information about disputes and then have Citi immediately side with them without any due diligence, nor should vendors be able to sell products with false specifications that the vendor is fully aware of. Thanks for any help.
Consumer complaint received 2017-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery added a debt to my credit profile without notifying me about the debt in advance. 

On XXXX XXXX, 2017 I received a notification that Portfolio Recovery added a n account XXXX XXXX XXXX XXXX to my credit file. I was in the process of verifying/confirming the debt with XXXX XXXX and they removed the account from my credit file and two months letter it was sold to Portfolio Recovery and put back on my account. I was never notified of this debt and I know its against my Consumer Credit rights to add any accounts to my file without proper notification. This addition to my credit file dropped my score down immediately. 

Please investigate my claims and make appropriate actions.
Consumer complaint received 2022-09-07
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. (PA)

Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.
Consumer complaint received 2021-05-21
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. (FL)

I sent certified letters to Equifax, XXXX and XXXX on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and Equifax yet still remains on my XXXX 
Inquires not authorized 1.XXXXXXXX XXXX  XXXX 2.XXXX- XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (OH)

I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. 

But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.
Consumer complaint received 2017-06-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TN)

Company has not reported good status updates in over 30 days.  They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XXXX  2017.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (IL)

In accordance with the fair credit reporting act. This lender has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I sent {$950.00} to a company called XXXX XXXX XXXX on XX/XX/XXXX to supposedly ship a puppy that I had bought online. They claimed the money was refundable ( 98 % ) but have not sent me any of the money back. This was done through XXXX and they aren't doing anything either. I never got the puppy as the next day they wanted more money to " transport, quarantine and give shots to puppy ''. This dog was shipped from North Carolina and supposed to go to Texas but for some bizarre reason she was shipped to California. No reason given but then they claimed the dog had to be quarantined.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a mortgage with Bank of America and sold my home in 2010. 
I signed closing papers, closed out the mortgage, transferred ownership of the property. 
Bank of America today still has my mortgage reported as open, reporting past due balances in excess of XXXX, negatively impacting my credit. 
I have attempted several contacts directly to BOA, always with the same response, someone will get back to me shortly. Several months later, no one has.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602. A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-11-24
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. (IN)

XX/XX/XXXX I sent XXXX, XXXX and Trans Union a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, Trans Union and XXXX a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to XXXX managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX CH Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX BXXXX  XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX I Travel/Entertainment XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX cashier checks on XXXX. {$160.00} was made available to me after the cashier check covered an insufficient account. I then was told that the bank had made a small amount of money available. I went back to the bank a few minutes later and took out the money. The next day they reversed everything and I now have over XXXX XXXX dollars below, insufficient funds. They have told me that further review may result in not having deposit availability, and reversed one fee. The banking institution is Chase Bank. I Now will get a few insufficient fund few do to this hold. This is not ethical.
Consumer complaint received 2022-09-07
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: T.S. Holdings (TX)

I have sent dispute letters to each bureau to have IQ Data Int ( original creditor : XXXX XXXX XXXX XXXX TX ) in the amount of {$13000.00} reporting to XXXX, XXXX and XXXX Removed immediately. The dates do not match up which is a violation. It has been more than 30 days and bureau has not responded with my results. I would like to have this collection removed immediately
Consumer complaint received 2019-03-01
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. (PA)

XXXX  credit file XX/XX/2019 confirmation # XXXX XXXX XXXX XXXX XXXX has error as 3 payments received as attach copy from Equifax. I have attach a copy from XXXX XXXX XXXX XXXX as 5 payments all paid current and paid on time. Equifax has errors on this account on correct payments received.
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates was  notified by me on  XXXX   XXXX ,  2017  to settle this debt and a settlement was made to pay {$300.00} of the {$600.00} balance due . ( See attached PRA Letter ) The  {$300.00} was paid on  XXXX   XXXX ,  2017 ( see attached debit document ). Currently PRA has not honored the settlement. They are reporting a balance due {$300.00} to all  XXXX  credit reporting agencies. I have received no letter indicating this debt  is paid/settled.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
BalanceXXXX XXXX
Date Updated: XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX (Medical/Health Care)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Placed for CollectionXXXX XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: XXXX Date UpdatedXXXX XXXX Original AmountXXXX XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX

COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: 	XXXX Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	MEDICAL-EMCARE GLT EMERGENCY PHYSICIAN (Medical/Health Care)
Past Due: >XXXX< 	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX
Date Updated: 	XX/XX/2017
Original Amount: XXXX Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX 
COMMONWEALTH FINANCE  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Placed for Collection: XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	XXXX 
Date Updated: XXXX
Original Amount: XXXX
Original Creditor: 	XXXX XXXX XXXX XXXX  (Medical/Health Care)
Past Due: 	>XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XXXX
Consumer complaint received 2017-06-04
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. (PA)

The department of treasury took my income tax f or 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/2022, I received an email from Venmo stating that my account was going to be frozen. I responded to that email immediately upon receiving it, and for days afterwards. I also received a separate email, asking for a copy of my photo ID, which I sent immediately upon receiving that email. I tried calling Venmo and was told I have to keep responding to the original email chain that sent me the notice. I also used the chat option, where each customer service representative told me the same thing : respond to the original email chain that sent the notice. I want to know what I did wrong that warrants a frozen account and that is having Venmo withhold my money from me for up to 180 days, they claim. The only answer I have gotten is that I violated their User Agreement, but they won't tell me how. I have read through the user agreement multiple times and find nothing that I did wrong. I want them to release my funds ( which is {$5000.00} as of today, XX/XX/2022 ) to me and I promise I will never use their platform again, even though I did nothing wrong.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/2021, I recieved a phone call from Portfolio Recovery Associates whom were attempting to collect debt. The lady I spoke with, XXXX ( refused to give last name ), refused to attempt to validate the debt over the phone. She then proceeded to state that " the debt belongs to you, don't play XXXX games '', when I asked her to send information in the mail to validate the debt. She also refused to verify any information at all to even verify that I was the right person. After this, I did not receive another call from anyone at Portfolio Recovery. 

On XX/XX/2021, I received a summons in the mail for a court case that was dated XX/XX/2021, regarding a garnishment for {$1200.00} from Portfolio Recovery Associates, LLC. The summons is dated as being issued on XX/XX/2021. According to the XXXX City Court, there is no court case with the number provided on the summons.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

I sent XXXX on XX/XX/XXXX to XXXX thru the XXXX Zelle app.On there website and XXXX page it says Fast and safe service. The recipient didn't receive the funds and it said PENDING REVIEW in the activity. On XX/XX/XXXX, the recipient still didn't receive the funds. I called Zelle and I was told that they would try to cancel the transaction. I paid the recipient in cash the XXXX. I called Zelle on XX/XX/XXXX, my money still hadn't been returned to me. The transaction still has Pending review on it and they told me that it will take 7 business days for the transaction to be sent to the recipient or canceled. I told them to cancel it and return the funds back to my account. They told me that they couldn't.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BMO Bank, N.A. (IL)

XXXX XXXX, XXXX Consumer Financial Protection Bureau Dear Complaint Department : In XXXX we took out a Line of Credit loan from BMO Harris Bank. In XXXX we learned by letter that our loan was coming due in full on XXXX XXXX, XXXX. We had no idea a Line of Credit loan matured with a balloon payment 15 years in the future. It was a Line of Credit! We always made our loan payment of approximately {$90.00} per month on time and never late. Around three years ago, we started increasing our monthly payment to {$150.00} per month. This allowed us to pay on the principle and pay off the loan quicker. 

When we were notified that the full balance of the Line of Credit was coming due XXXX XXXX, XXXX, we tried to refinance our home mortgage including this balance of {$40000.00}. But because of our financial hardship at the time, we could not qualify. 

I 'm a XXXX Veteran with a XXXX XXXX. Once again, we tried to refinance our home mortgage, and this time we qualified. We were also able to lock-in a very good interest rate before they recently increased. Everything was going great until BMO Harris indicated we were 252 days late on our Line of Credit balloon payment. Even though we were continuing to pay our monthly payments on time, we were trying to include BMO Harris as a Subordinate positon to our home mortgage and get this loan active again... they refused. See, they have already written off this Line of Credit loan. But because BMO Harris wants to play hardball, we are going to lose our lock-in and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we locked-in this great rate. 

Our lock-in expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to lock-in for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our lock-in. This after being loyal customers for over 40 years. I guess if you are meeting their expectations you are FAMILY, but once you fall out of place they treat you as if you have the plague. 

After making phone calls to BMO Harris ' Loss Mitigation department over several weeks, XXXX recommended providing them with a settlement letter. We could come up with {$10000.00} from a friendly legal outside source. I spoke with XXXX, the Team Leader through XXXX and XXXX has declined our {$10000.00} Settlement offer. XXXX requested {$24000.00} as a Settlement, but {$10000.00} is the maximum amount we could obtain. 

We do n't understand why BMO Harris would intentionally block an opportunity to receive our {$10000.00} Settlement offer, or get this {$40000.00} loan back on the books and let us pay our monthly payment again like we have for 15 years. 

We can extend our lock-in two more weeks, at an additional cost of {$300.00}, and then all hope is lost. Why is BMO Harris being like this? 

Please help us. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX