davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS & ASSOCIATES is reporting a ridiculous amount of 11 collections on my credit report that do NOT belong to me in first place. I was never a patient of Original creditor XXXX XXXX XXXX XXXX- whom I contacted and they had nothing available to provide me to prove the ownership or to validate this account. I attempted numverous times to speak to someone in person at Rush and Curtis only to be told that I need to write them a letter. Today after a total of 5 letters 3 months in I have NOT heard anything back from them. I disputed these 11 collections with credit bureaus but they sent me letters stating that rash and Curtis has validated these accounts ... how ... when I was never a patient at verity medical foundation how are they validating .THIS IS FRAUD .... today I was given a message from my receptionist that rash and Curtis called asking for a payment they pretended that I advised them to call my work and have my accountant to pay these over the phone. THIS IS FRAUD ON A TOTALLY DIFFERENT LEVEL WHY WHY ARE THEY GETTING AWAY WITH THIS. I RECORDED A CALL AND WILL BE SENDING THIS TO FTC AND OTHER OTHORITIES IF THESE ERRONEOUS COLLECTIONS ARE NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY ...
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (RI)

I opened a checking account with Citi Bank on XX/XX/2018, with a promotional offer of a {$400.00} bonus if I maintained a balance of {$15000.00} for 60 days. The terms stated that the bonus would post at most 90 days after the expiration of the 60 days from the date of deposit. I had contacted Citi several times over the course of the 150 days to make sure my account was eligible and the terms had been met satisfactorily. 

The bonus is similar to the one currently offered here - https : //banking.citi.comXXXX XXXXXXXX & XXXX Most recently, I was told that the bonus post on XX/XX/18. On XX/XX/18, I had contacted Citi to see why my bonus didn't post, and was not given any clear answer, other than that it needs to be investigated. I have had several Citi investigations never be resolved, so I'm submitting this complaint to try to get a resolution at a level higher than entry level Customer Service.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was reported as being late on my mortgage while in forebearance and they did a loan modification-but also a covid Death occurred related to covid-19 to my spouse who was also a co-borrower ( joint ) on the Mortgage loan with XXXX. 

I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower ( joint ), and request time for hardship into XX/XX/XXXX, until i could get back on my feet. 

I was told by the representative XXXX, they never acknowledge my Hardship request even though I submitted all information on the Death of co-borrower to XXXX  XXXX on their website for mortgage assistance for relief until XX/XX/XXXX. 

Instead they went and marked my XXXX XXXX mortgage marked me late over 26 times late during forebearance.. 

I reached out to the Lost and mitigation dept at XXXX they told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody had yet reviewed my request at XXXX XXXX because they are so backlogged. 

I filed CFBP XXXX XX/XX/XXXX -- due to unfairly being marked late payments while my mortgage was in forebearance and during a hardship being negatively marked late with XXXX. 

I am still waiting for Experian to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX .... 

I was severly impacted by covid and covid death of the ( joint ) co-boworrer / my spouse 20 years- XXXX XXXX who died, was a hard working RN-Nurse at Baylor Hospital and Nursing home. He worked in the Covid ICU ward from XXXX to XXXX ..... 

XXXX was not to show or mark me as being while on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my fee
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Innovis (CA)

Today, XX/XX//2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website. 

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

CFPB, I would like to report Coinlists very improper and illegal action with users money. 
As far as I know, there are so similar cases that many investors and users have had, but still no reply from Coinlist. 
You can easily find those cases from Coinlist XX/XX/XXXX account comments made by users. 
Coinlist does not operate communication channels to get customers feedback. Just they announce by XXXX and blog and preventing customers feedback. 
( Coinlist.co : Cryptocurrency company that launch new cryptocurrency with investors money ) 1. Deposit dates : XX/XX/XXXX 2. Amounts : Cryptocurrency CELO 1054.799 ( 8,133 USD amount as of XXXX XX/XX/2021 ) 3. Action I transferred Cryptocurrency ( Cryptocurrency : CELO ) to Coinlist almost a month ago, but still no deposit to Coinlist account, no refund or no clear explanation when and how they refund my money. 
I took a claim ticket on XXXX XXXX and then no reply at all from Coinlist until XXXX XXXX. 

On XXXX XXXX, Coinlist replied with short message that told me there were some issues on its custodian identifying certain CELO and cUSD deposits But they didnt explain when exact date they would refund and how to manage my case in detail. 
And still I havent got my money back even though I sent emails 5 times. 

4. The risk of Coinlist and My wish Coinlist seems to focus on increasing its company value to raise much money from other big investors or sell itself on very expensive value, but ignoring small investors risk and fund lose. 

Please investigate this company and stop all financial operation ASAP to prevent any additional damages to investors. If there are any illegal points, please stop its financial operation to avoid additional victims. 
And please help to get my money back asap.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Went to XXXX XXXX XXXX in XXXX Al ( graduated 2012 ) with a degree in XXXX XXXX XXXX and loans are $ XXXX still do not have a job in that field. The payments are too high and it's recorded a negative impact on my credit report. Can not possible purchase anything. Can't transfer credit to another college. I was told the degree is worthless.
Consumer complaint received 2022-07-20
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. (AL)

I was in a XXXX XXXX about XXXX years ago I was in a XXXX XXXX XXXX XXXX just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have XXXX inquiries on my credit report that don't belong to me.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I called Citi to either cancel or product transfer my Citi Thank You Premiere credit card before the annual fee recurred in XX/XX/XXXX, due to no longer using the card. After speaking with the customer service representative, I decided to do a product transfer to the Citi Dividend Card, which does not have an annual fee. I was told that the product transfer would go into effect on XX/XX/XXXX. I asked why it took so long, and was told that was " standard procedure ''. I expressed concern that I would be charged the annual fee on the CTYP, as avoiding this fee was my primary motivation, and I would cancel the card entirely rather than product transfer if the fee were to be in effect due to the significant delay of the product transfer. I was assured by the customer service representative that no annual fee would be applied for the CTYP, and that I would receive my new Dividend card in the mail. When I asked for that in writing, he said he would make a note on my account. 


I was in fact charged the {$95.00} annual fee on XX/XX/XXXX. I did not notice this, since I had no activity on this card, until my automatic payment went through from my bank a month later. I was surprised to see a payment to this card, as I had no spend activity on this card in several months. I investigated to find this fee had been charged fraudulently, in direct contradiction to the guarantee I was made by Citi 's customer support team. I would have cancelled the card entirely had they been honest about the fee being charged. 


After an hour and five minutes on hold with their customer service, I spent 25 minutes explaining and re-explaining the situation to the customer service representative while he asked if I wanted to do other product transfers or cancel the account. I explained I wanted the planned product transfer to go through and the annual fee to be refunded. He first told me that the refund of the AF had already processed, but then when I pressed him, came back and said that it had not, just that my payment for that statement had gone through. After several more times of them avoiding the statement, he said a refund of the annual fee had been processed and I would receive an email to that effect within 24 hours. I told him I needed that confirmation in writing before the end of the call, or I would submit this complaint. Since I was charged the annual fee despite being told my a customer service representative that I would not be, I am assuming I will never get this email confirming that I will get the refund, much less get the actual refund.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (MI)

I have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I was on board a XXXX XXXX flight and was told by the flight attendants of a credit card offer. If I applied in-flight for the XXXX XXXX XXXX Credit Card, I was eligible to receive XXXX miles, which is valid for 7 round-trip flights. I filled out a paper application, which included my social security number, income, address, birthday, and more, and gave the application to the flight attendant. 

It has now been approximately 2.5 weeks since this application. Because of the delay, I tried checking the status of my application both over the phone and online, through Bank of America. I was told that no application existed with my information. 

Following this, I called Bank of America and spoke to two representatives on XX/XX/2018, who transferred me to various departments because they could not find an application, either. Finally, the third representative I spoke with told me that the offer of which I was speaking was valid only from XX/XX/2018 through XX/XX/2018. There is another offer, the representative told me, for the XXXX XXXX XXXX XXXX credit card, but this is not the card for which I applied, and I was not told at any point that this world credit card was the " Elite '' card. This representative suggested that I contact XXXX XXXXs, the Federal Trade Commission, and the Identity Theft hotline. 

I called XXXX XXXX on XX/XX/2018, and was directed to file a complaint online. I did this on XX/XX/2018.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was doing a detailed review of a statement one of my lesser used credit cards from Citibank and noticed a line item that appeared odd to me. The line item was listed under " fees charged '' and specifically was called " Payment Safeguard XXXX. '' While I look through my credit card statements to ensure that purchases listed are correct, I trust the fees and interest charges are correct from Citibank. This " protection '' is not something I ever asked for or have any recollection of purchasing as I'd have no reason to do so with excellent credit and a stellar payment record. 

I spoke with a representative from Citibank on XX/XX/XXXX and brought up this issue. He apologized and reversed the last two charges but said that I'd have to reach out to " billing disputes '' in order to have prior fees reversed/waived. After reviewing all statements available on my Citibank portal ( XX/XX/XXXX through XX/XX/XXXX ) I discovered that I've paid {$1300.00} ( without factoring in interest ) over that time period. I requested to get my statements going back farther but my request was denied by Citibank. I had believe getting those historical statement would show that this had been going on much longer. 

On XXXX, I sent a detailed email outlining how I did not sign up for any " payment safeguard '' and that the fees Citibank was charging me were incorrect and I hadn't approved being in such a program. 

On XXXX, I followed up asking them to intervene to help with getting the older statements ( XXXX  XXXX ). 

On XX/XX/XXXX, I called the number listed on the fee and asked the representative to stop any future payments and asked for an explanation re : why I was charged these fees. They stated to me that I'd have to call Citibank but that I had likely been automatically enrolled and that the practice does not take place anymore. They also said they would initiate an " investigation '' but have never since called me. I followed up via email to Citibank on XX/XX/XXXX informing them of my phone call with this XXXX number. 

On XX/XX/XXXX I followed up via email again with Citibank. 

On XX/XX/XXXX I followed up with Citibank again. 

On XX/XX/XXXX I received a letter in the mail stating that I had purchased the program in XXXX and that they were denying my request. 

Based on my research online I believe that CFPB has actually helped on this exact topic and so I am reaching out for help given I believe I have been victimized by Citibank and that their actions seem to be a violation of the Truth in Lending Act. 

I can not get anyone to talk to me from Citibank to address the matter and they won't even provide full information on my account to understand the full extent of the charges going back to XXXX. Let me know what I can do. 

I've uploaded my emails to Citi and can upload the letters they sent me if that is helpful as well. I have also uploaded my last statement which includes the charge so you can see it as well.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

i have 2 capital one credit cards. i was fortunately able to pay off the balance of both. but after the end of the billing cycle, they charged even more interest on a XXXX balance amount. the first credit card payment was a few days late so i can understand interest should be accrued although it was substantially high. the next was paid 11 days earlier than due date. still i was charged an amount of interest on a XXXX balance. i have had credit cards before and nothing like this has ever occurred. i feel cheated and mislead that our banks can get away with this. i have closed 1 of the accounts and will do the same for the other once i get a good replacement.
Consumer complaint received 2024-01-29
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TrueAccord Corp. (AL)

I received a text from TrueAccord on XX/XX/XXXX at XXXXXXXX XXXX. It included a link to pay a bill. I have never been overdue with a bill in my life so I ignored it. 

I received another text on XX/XX/XXXX at XXXXXXXX XXXX stating that they are trying to collect a debt. 

As a XXXX XXXX I feel this is a predatory phishing attempt to get me to pay something I don't owe. 

On XX/XX/XXXX I called TrueAccord at XXXX XXXX CST and told them I have no outstanding debts. The person transferred me around a bit and then I was spoken to rather rudely and was told my number was given at a legitimate phone number for the debt. I asked who gave me my number and was told that they can't give that information out! She said she'd remove my phone number from the list. 

However, this doesn't solve the greater problem as I have received other phone calls for outstanding debt and the person claims my number is a " good '' number to call.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (AK)

Previous answer the company told me to contact them. I called the number and nothing connects. 

Regardless, I have already tried communication and they are just ignoring everything that I am requesting. 

I request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. And when I request exactly what the charges are- YOU REFUSE to tell me. How does this make sense? I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.
Consumer complaint received 2020-06-04
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 (NY)

- called in XX/XX/XXXX to request the New York state Covid relief plan ( 90 days all interests and fees waived ). 
- Amex only provided XX/XX/XXXX-XX/XX/XXXX relief, leading to late payments in XX/XX/XXXX - Amex refused to honor the relief for XX/XX/XXXX ( 8 day gap ) and insists on charging late fees
Consumer complaint received 2021-10-26
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 have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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. (KS)

In XXXX I received a call that my credit card through XXXX via XXXX XXXX   had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons credit.