davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

I disputed a charge on my Citi credit card via their online system in XXXX 2016. The card carried no balance expect for this disputed charge. I called every month for 5 months and kept being directed that the case was noted and that some XXXX from billing disputes would contact me regarding the referenced charge. Meanwhile the XXXX $ disputed charge gathered interest and late fees for over 100 days. Citi reported to the credit bureaus and my Credit score dropped XXXX points! I still have no resolution and have sent certified letters to Citi Billing Disputes.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX,, XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not accurate
Consumer complaint received 2020-08-31
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: Byrider Franchising, LLC (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-02-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (CA)

Hi There, I 've received 3 letters from a " Credit Protection Association L.P. '' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they 're collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion has erroneously deleted my entire credit history and although Transunion has on several occasions said the matter would be resolved within 2-3 business days or 3-5 business days ( depending on which representative I spoke to ), the matter still is not resolved over one month later. I was pressured into purchasing their credit monitoring program which I continue to pay for although my credit score and credit history remains inaccurate over 30 days later. I was told to fax a copy of my license, social security card and utility bill and that the credit information would be immediately re-entered by the " special handling department/maintenance department '' no later than 2-3 business days. This was over two weeks ago! The last person I spoke with was the supervisor is said that although Transunion promises a quick resolution, the process of re-entering is a timely XXXX and that I just need to give them time. Unfortunately, I do not feel this response is adequate. It is disheartening to know that a company such as Transunion that is trusted with being the record keeper of such critical information is unable to accurately maintain said records. Their behavior is unconscionable, consumers are held at their mercy, our livelihood often depends on credit and unfortunately we do not have the ability to wait several months for Transunion to rectify their erroneous credit reporting. Any assistance in having my credit history accurately restored would be greatly appreciated.
Consumer complaint received 2023-04-05
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. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see previous and NEW COLLECTIONS, addresses AND CHARGE OFFS on my credit report. This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 
FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL DEBT ME ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL DEBT ME INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT ME or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is releasing my credit bureau to individuals who do not have a right to access my credit. They 're then reporting this an an " inquiry '' that affects my rating. Furthermore, they are also reporting and account I never opened, authorized, or used. The improper data is as follows : XXXX I never opened, authorized, or used this account. The following inquiries were not authorized by me and are not as a result of fair use : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents
Consumer complaint received 2017-05-21
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (TN)

On X/X/2017 I overpaid my account by {$270.00}. I intended to pay another account I held with Synchrony Financial. I recognized my mistake and called them on X/XX/17. I call them to inform them of this mistake. They assured me they would correct the mistake and credit the correct account. They mistakenly transferred twice that amount. They then sent a statement showing I owed {$270.00} because of their mistake. I called and spoke to 2 representatives in XXXX who told me I owed the money. I asked to be transferred to a representative in the United States. I then spoke with a young lady who could n't assure me they would fix my issue. I then asked to speak to her boss by the name of XXXX. XXXX could n't have been any more rude or disrespectful. He finally admitted the mistake but gave no assurance they would make it right. This company seems to be deceiving their customers in order to gain financially! They need to be audited federally to show this unethical practice.
Consumer complaint received 2023-04-05
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: Westlake Services, LLC (NC)

Contacted west lake service auto, XXXX XXXXXXXX auto, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all banks & XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.
Consumer complaint received 2022-02-14
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: CITIBANK, N.A. (NY)

This is an update to a complaint XXXX made on XX/XX/XXXX : I found another fraudulent charge on my XXXX bank statement for an additional {$1700.00} on XX/XX/XXXX that was also from the XXXX XXXX and I was charged for this item ( s ) that I did not purchase. This additional charge brings the total of fraudulent withdrawals to {$8200.00}. I have been held responsible for all the charges by Citibank and am trying desperately to recoup my losses They have refused to reimburse me saying it is my responsibility. I have made a police report and I am continuing to try to find a solution to this problem. I have updated a pdf that has all pertinent information about my case so far including the police report and the most recent incursion to my bank account. Citibank has made it very difficult to find any remedy to this and has played hardball with me continuously through this matter. I am only seeking to resolve this and not be held accountable for these charges.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK (TX)

On XXXX XXXX 2015 I went on XXXX from my job due to XXXX and I was being Harassed at work for my illness. Immediality I contacted my creditors asking to activate my XXXX. I was told they had no record of my ever having this program. I insisted I did. However, I asked for assistance and Discover Bank refused to work any kind of assistance with me. I informed them I was going to be on XXXX income and there was not any money. Unfortunately, they refused to offer any assistance. After I went on XXXX income and I began processing my XXXX with the Social Security office they considered to Harass for payments. I continued to ask for deferment since my XXXX insurance was canceled with the company. During this time I was starting to fall behind on my payments. They insisted I had to pay my back-payments and apologized for any inconvenienced. I went on line to my account and tried to make a partial payment and it was rejected. At that time I stopped paying any payments and gave up. Shortly afterwards I went into a XXXX due to my XXXX and the inability of working anything with Discover Bank. 
I almost lost my house last year, I would like to continue to make payments I can afford without causing any more problems to my home and family. 
They have currently hired A Law firm without contacting me to my knowledge. the firm is XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, NY XXXX ; XXXX. This firm have SUMMONED ME TO ANSWER A COMPLAINT through XXXX XXXX Clerk. I have not received any phone calls, nor did I receive any mail to my knowledge prior to this.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I had been a customer with Citibank since XXXX in XXXX. In XXXX I moved to XXXX, XXXX. In XXXX Citibank removed all of its branches from XXXX. I was left with no other option but to move my money to another bank and close my Citibank account. I did so with a confirmation number saying my account would be closed by said date. I forgot about it. Then I started getting banking statements from Citibank saying that there was a negative balance because low fund fees were accumulating. I called Citibank to re-close my account and waive the charges on several occasions. Each time they told me they had done so. I started to then get collections notices for the amount of the negative balance on my closed account in the amount of {$120.00} dollars. It is their error for not closing the account. I have been after them to correct the mistake. I have tried to call back and each time they have a different excuse. I am now is collections for their error and no one want to help me at Citibank and there is no branch for me to go to to solve the problem.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I purchased a mobile app service called XXXX XXXX on XXXX/XXXX/16. The service did n't work for me and so I requested a {$99.00} refund from the merchant on the SAME day. The merchant refused to grant me a refund because I clicked on the link they sent me to access the service which " voided '' the refund policy and made me ineligible for a refund. This was the most ridiculous thing I 've ever heard. Of course, I will click on the link to be able to try it. I do n't know how else to do it. 

I then went to Barclay credit card to dispute this charge and after a month, they came back to tell me that they can not credit me this amount because of the terms and conditions on the merchant 's website. I was grossly stunned by this lack of concern for their consumers who they do not protect from these fraudulent charges. I 've been a loyal customer who paid her bills on time and this is what I get? I do not care if I get charged {$1000.00} for a transaction as long as this is something that I CONSUMED. I refuse to pay charges that do NOT benefit me at all and so I request that the Barclay credit card company credit me back these fraudulent charges that reflected on my account on XXXX and stop this unprofessional practice of helping merchants rip off their own customers.
Consumer complaint received 2020-10-19
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. (UT)

XX/XX/2020 I alerted All credit reporting agencies of fraudulent activity and unauthorized use of my personal information with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Equifax Fraud Department say they never received my Fraud Report from the Federal Trade Commission and my Police Report all-thought I received phone confirmation of it being received and I emailed the complaint online for a 2nd time to Equifax about XX/XX/2020. Equifax was to Block and/or Delete this fraudulent account from my credit report but to this date they never have ( only XXXX has complied with the Federal Trade Commission and deleted XXXX  XXXX from my credit report ). 
Now again, XX/XX/2020 a fraudulent hard inquiry from XXXX XXXX XXXX  and XXXX XXXX  - unauthorized that I did not make is on my credit report ( s ) I initiated complaints with Equifax 2 to 3 times  since XX/XX/2020 and they will not delete these erroneous fraudulent hard inquiries despite my calling the companies and them mailing Equifax documentation to delete. Equifax for seven ( 7 ) months now has been incompetent in investigating and timely processing my requests!
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

Summary : I did not receive the bonus points that came with a promotional offer Citi was offering even after they have confirmed it via live chat and secured message. 

Events : Opened a Citigold Checking account during XXXX 2016. There was a promotion of getting XXXX XXXX XXXX Aadvantage miles for opening said account and completing certain requirements. The requirements were : 1. Use the bill pay function in two consecutive months 2. Make {$1000.00} in debit card purchases with the Citi debit card. 

Confirmed with Citi representatives via Live Chat and Secured Message on XXXX/XXXX/16 that I have completed all the requirements and was eligible for the bonus points during XX/XX/XXXX and had to wait 90 days ( starting from the following month ) for the points to be posted onto my XXXX XXXX account. I should have received the bonus points by XXXX/XXXX/16. 

There is a $ 30 monthly fee for keeping the account open. I kept the account open solely for waiting for my XXXX XXXX miles to post but they did not show up long after the 90 day mark. Contacted Citi soon after to ask when I will get the points and they said that I was not eligible for the bonus points. They did not even send me a notice saying when or how I was disqualified while I just kept waiting and paying the $ XXXX monthly fees for a total of {$90.00} to date. 

This is very misleading of Citi to first confirm then to disqualify after having paid monthly fees to keep my account open.
Consumer complaint received 2022-02-14
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: Convergent Resources, Inc. (CO)

Convergent Outsourcing Inc and XXXX XXXXXXXX XXXX are trying to collect on a debt which I have had not account with XXXX XXXX for over 14 years The last account with XXXX was 15 years ago and the Statute of Limitation would have expired over a decade ago. 

I have .not procured any credit with XXXX XXXX and I demand that this frivolous activity cease immediately and any attempt to collect on a expired debt is highly damaging to my financial standing and wherewithal. 

I demand an immediate Cease and Desist from the above creditors. The accounts are XXXX and Convergent account # XXXX.