davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
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. (VA)

CITI CARD IS REFUSING TO HELP WITH A VERY WELL DOCUMENTED OVER-BILLING for {$250.00} on a 2-night Hotel stay - for XX/XX/XXXX-XX/XX/XXXX. The proof of prepayment to the 3rd part hotel site- XXXX ( similar to XXXX ) is attached. The XXXX hotel has also received 3 disputes letter from us since XX/XX/XXXX about the surprise {$250.00} charge after our stay and is also dishonest. 

XX/XX/XXXX Dear Citi Card Re : Customer Disputes, There is a problem with our charge for {$250.00} on our XXXX that ends in XXXX For the XXXX XXXX XXXX XXXX, VA. 

The hotel reservation was PRE-PAID on XX/XX/XXXX on a 3rd party site called XXXX, for {$250.00} on A DIFFERENT XXXX CARD THAT ENDS in XXXX. ( PROOF w/ a copy of our XXXX XXXX XXXX statement for the payment for the hotel to XXXX is attached. Upon Check in the hotel took our XXXX that ends in XXXX. 
For incidentals only, including the pet fee of {$30.00} for our XXXX XXXX XXXX XXXX. 

About a week later, after noticing a fraudulent charge for {$250.00} on my XXXX XXXX that ends in XXXX which is a second charge in addition to the {$32.00} incidentals charge, I wrote to the Hotel XXXX XXXX XXXX on XX/XX/XXXX and notified them of their mistake with the charge on our XXXX for {$250.00} because we had pre-paid, and we never signed an agreement or obligated ourselves to a double payment for our 2-night stay. They agreed when we checked in that we had PRE-PAID. 
- They never responded. 
- On XX/XX/XXXX I sent a second letter regarding the dispute for the fraudulent charge for {$250.00} after our stay and demanded a refund. This time I sent a letter to the XXXX XXXX XXXX. 
- Today, XX/XX/XXXX I received a letter, only 1 month later, making the false claim that they charged us the {$250.00} for the pet fee which were already paid. They falsely claim that our dog had fleas, which he does not. 
- They are lying and deceitful. I attached proof that our dog takes a flea and tick preventative monthly. 
Dear XXXX, please credit our account in full for the fraudulent charge for {$250.00} form the XXXX XXXX XXXX immediately as they are deceitful. 
To XXXX XXXX XXXX, ccd in this letter, our report will also be for the Better Business Bureau of XXXX, XXXX and all of the social media sites to educate people on how crocked your hotel is. 
Unless you can come clean by next Wednesday, XX/XX/XXXX when we file complaints against you to harm others that your hotel is crooked. 

CITI CARD : Please update me in writing and as soon as possible on this dispute for {$250.00} immediately. ( TO BE CLEAR THAT {$250.00} for XXXX XXXX charged by them fraudulently as a second payment on a 2- night stay- on our CITI XXXX that ends is XXXX must be refunded ). 

Thanks and Regards, - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, Va XXXX PROOF OF DOUBLE PAYMENT IS ATTACHED.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.
Consumer complaint received 2017-12-29
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: U.S. BANCORP (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal
Consumer complaint received 2020-04-22
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I used my Barclay Aviator MasterCard to purchase a trip from XXXX for 6 people leaving XX/XX/XXXX through XX/XX/XXXX of XXXX. The cost of the trip was {$9000.00} and I paid it in full. I have all receipts including my credit card charge, receipt from the online site and travel itineraries. In XXXX, I had contacted the online site regarding possible cancellation and refund for the trip but was reassured by them that as long as I canceled by XX/XX/XXXX I would have a full refund. In XXXX, when the covid-19 began to worsen in the US, I attempted without success to reach XXXX via their three different phone numbers and was given a XXXX number which means phone was disconnected. Within days, a message showed up on their site saying they had closed their doors and canceled all trips but no refunds would be issued and customers were to contact our credit cards in hope of getting refunds. I have now minimally twice contacted my credit card because I paid for something and was scammed without received what I purchased. I should have protection from my Mastercard in situations like this. I have submitted all receipts, itinerary Etc and has been denied each time stating it was a pandemic and out of their control according to my MasterCard.
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

On XX/XX/2019 I submitted a dispute to XXXX. ( for an error an account that I did not open. ) The collection agency ( C.B.A collection bureau of ameica ) denied my honest dispute. Saying i was the correct person that opend the account. which is false due to the fact I was XXXX  in the california state XXXX  system.
Consumer complaint received 2023-02-22
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion Corporate Office, XXXX XXXX XXXX, and XXXX XXXX XXXX representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the 3rd party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I paid my own insurance on my home it was XXXX with an escrow account then they sold my account to shell point mortgage servicing. I paid twice for the same insurance policy. I talk to a man at shellpoint mortgage servicing in escrow account dept. I email a copy of my paid insurance policy of $ XXXX I send my house payments they take out for the escrow of {$36.00} & my policy is paid up. I didnt get nothing from XXXX  telling me they had sold my account to shellpoint.
Consumer complaint received 2023-02-08
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove names and address on attachments FCRA violations
Consumer complaint received 2021-03-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove names and address on attachments FCRA violations
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (LA)

Original creditor was XXXX  XXXX XXXX  in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm submitting this complaint because I recently checked my credit report and found some incorrect information. It seems there's a mix-up with another person named XXXX XXXX XXXX The details affecting my report are : - REMOVE Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX - REMOVE Account : XXXXXXXX XXXX XXXX XXXX - REMOVE Account Number : XXXX I have no connection to XXXX XXXX or the mentioned address and account. This mix-up is harming my credit, and I need your help to fix it. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. I am formally disputing this information and requesting its prompt removal. 

I've attached documents verifying my identity and showing the mistakes. Please review them and correct my credit report accordingly. 

If this isn't resolved quickly, I may need to explore legal options, including arbitration, to fix the errors and seek damages. 

I appreciate your prompt attention to this matter and look forward to confirmation once the corrections are made. 

Thank you for your assistance.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I made my XXXX mortgage payment of {$850.00} with XXXX mortgage Loan # XXXX automatic payment on XX/XX/XXXX. I made my XXXX mortgage of {$850.00} with XXXX payment by phone on XX/XX/XXXX. The loan was moved to Citizens Bank on XX/XX/XXXX. 
My new mortgage account # XXXX showed that XX/XX/XXXX payment of {$850.00} as missing. I made my XXXX mortgage payment of {$850.00} on XX/XX/XXXX with Citizens Bank. 
I recently found out by calling XXXX mortgage and speaking to XXXX ID XXXX that the XXXX representative that took my XX/XX/XXXX payment of {$850.00} made an error applying my XXXX payment to principal only not regular payment. This phone call had Citizens bank supervisor XXXX XXXX on the call along with XXXX Customer Service rep XXXX ID XXXX. XXXX XXXX contact info is XXXX and her direct number is XXXX XXXX XXXX. 
I have made numerous phone calls to Citizens Bank mortgage customer service to correct this matter and no action has been applied. Their response is we only see your last payment on XX/XX/XXXX. I was on a joint phone call on XX/XX/XXXX with XXXX XXXX supervisor of Citizens Bank home mortgage and XXXX mortgage representative XXXX ID XXXX and they apologized for the error and promised this will be corrected ASAP. I called today XX/XX/XXXX at XXXX mortgage and they told me it can't be corrected and that Citizens Bank needs to correct this. So I am getting a lot of mis information and no corrective action for this error.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

I am currently in Collections with XXXX XXXX XXXX, XXXX. for {$130.00}. On XX/XX/XXXX I was given a gift of a gym membership at XXXX XXXX in XXXX, NJ by a former ex boyfriend, XXXX who lived in XXXX, NJ. The relationship ended because of XXXX  XXXX, I live in XXXX XXXX, NY over 30 miles away from XXXX, NJ. 

During the sign up process, I was told the contract would have to be under my name even though it was a gift and that my ex would be responsible to be the payment provider for the membership fees and monthly dues so we could workout together at this gym in his neighborhood while I stayed with him in NJ. 

It was a very violent situation where I fled for my safety. When XXXX stopped making the payments, I got left with this debt and in collections. At the time I tried to resolve this with XXXX and I was given the run around and told in order to cancel my account I had to go in person but because of safety reasons and the distance that was not an option for me. XXXX and Aldous & Associates are not, and have not been willing to work with me to settle this. 

After realizing that this was on my credit report and that it had never been resolved I reached out to Aldous & Associates on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I called to settle the debt and they were not willing to and I was told that there was no settlement option available for me and that is why I am filing this complaint against XXXX and Aldous & Associates. 

I am hoping for a resolution.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have tried several time to put a freeze on my credit report at Equifax. 

I called the number provided by FTC web site XXXX and that told me that Imy request could n't be done through automated system. 

Then I tried their web site three times to to freeze my report. In each instance I got a message that system is n't available and try later. 

Then I called their newly created call center and I was told they are only directing the call to FTC web site. Nor, could they give me an address for me to send a request for freeze in writing. 

It is very frustrating. I am suppose to leave the country in few day and I am concerned about unauthorized use of my credit. 

All of these incident happened on XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Original Account has been paid.

Account now shows a new amount not paid and a much larger amount. Multiple documents to support my claims.

Please have collections account remove in accurate info from all 3 credit bureaus within 10days.

Falsified documentation by collection agency to be removed immediately. Proper state guidelines not met here. Delete off all 3 bureaus
Consumer complaint received 2019-11-07
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. (OR)

I ( XXXX XXXX XXXX ) am making this complaint because Experian has continued to disregard my fraud dispute for Identity Theft. I am now submitting my documents here to have record of my submission to Experian with the submitted date. This dispute is regarding the " XXXX XXXX XXXX ( Account # XXXXXXXXXXXXXX ) '' on my credit file with Experian. This information is not information relating to any transaction by me ( XXXX XXXX XXXX ). 

I have submitted the documents below per the Fair Credit Reporting Act as follows ; appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Upon receipt of this report of Identity Theft I expect that Experian block or remove this inaccurate and/or Fraudulent item from my credit file on my report with them within 4 business days. 

I am submitting this complaint and these documents myself ( XXXX XXXX XXXX ) and no other parties are involved besides the CFPB and Experian.
Consumer complaint received 2019-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/2018, I bought the 2018 Honda. XXXX. I discovered there are two different contracts from the dealership and Honda Finance, which is on file. This is auto sales fraud on a senior citizen and a XXXX person.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was XXXX for a XXXX XXXX that had a savings account which went inactive. I was not notified that it was 'dormant ' and that a fee of $ XXXX/mo was being deducted from the account. When I went to close the account, the balance was {$160.00} less than I expected due to dormant fee. 

The bank was under different ownership when I opened that account ( XXXX XXXX XXXX ). I do not recall this being explained when I open the account in 2002. The bank said it was my responsibility to check the balance even though to online statement nor mailed statement were being sent.
Consumer complaint received 2019-11-07
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. (NJ)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much
Consumer complaint received 2017-12-29
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: CITIBANK, N.A. (TX)

On XX/XX/2017 CitiBank ( CBNA ) reported hard inquiries to my credit report. I have never applied for credit at Citi. I have contacted the creditor and have had no success on removing inquiries