davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit 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. (SC)

Dispute : XX/XX/XXXX I purchased a flight through a merchant for {$2200.00}. I cancelled within XXXX hours, they agreed to refund me. Billing cycle passes, no refund, I dispute the amount with Citi bank stating the above. 

Citi Bank launches investigation and merchant responds saying they agree to a refund of {$1700.00}, an amount less than the dispute due to merchant 's fee. I agree to this amount, so as to not prolong the refund and Citi Bank sends first letter stating they will watch my account and work on my behalf if the refund the merchant agrees to does not populate. They remove the chargeback and wait for the merchant to refund on XX/XX/XXXX. 

I call dispute center XX/XX/XXXX asking about the merchants refund as it has not posted. They respond stating they can not move forward due to no evidence a refund was owed, even though the merchant put the refund email in the response. I speak to a supervisor on XX/XX/XXXX and she states that I just need to send them the same proof the merchant already sent them. I send them the same refund email XX/XX/XXXX and they reopen the dispute XX/XX/XXXX, stating they will work with the merchant and merchant bank to obtain the credit of {$1700.00}. 

XX/XX/XXXX they give up on trying to obtain the credit due to no response from the merchant. 

I call XX/XX/XXXX requesting a second chargeback on the merchant for the agreed upon refund of {$1700.00}. 

Citi Bank responds XX/XX/XXXX stating they are giving up on getting the credit due to no response from the merchant. 

It has now been XXXX billing cycles. The merchant has not responded or provided the agreed upon refund. Citi bank has agreed they owe me a refund, but has not taken the request seriously to chargeback the agreed upon amount and deliver me the refund they claimed they would help with. This amount of money is very large, and they have not tried to rectify the situation in any way, allowing the merchant to get away with not providing the refund that Citi Bank agrees they owe me. They preemptively canceled the first chargeback with no guarantee the merchant was going to keep to their word, then have no allowed them to get away with stealing from me {$1700.00}.
Consumer complaint received 2024-04-30
Product: Credit 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: AMERICAN EXPRESS COMPANY (TN)

I have disputed a {$470.00} charge from XXXX XXXX multiple times with American Express since the beginning of XX/XX/year>. I have a Platinum card, and I am supposed to receive purchase protection from American Express in exchange for an annual fee of {$690.00}. American Express seems to be intentionally avoiding their responsibility for purchase protection that is guaranteed as part of my card. 

I ordered an office chair from XXXX XXXX in XXXX. When the company could not fulfill the order by XXXX, XXXX XXXX agreed to issue a refund to me, which they never did, despite my multiple follow-up attempts with them. When it became clear that XXXX XXXX was not going to refund me, I disputed the original charge with American Express. 

Despite having multiple emails from XXXX XXXX admitting they were in the wrong and promising me a refund ( all of which I submitted to American Express ), XXXX XXXX sent fraudulent documentation to American Express claiming that the office chair was delivered to my home in XXXX, TN on XXXX XXXX XXXX XXXXXXXX XXXX provided a tracking number of XXXX in the documentation. 

If you actually go to XXXX  and enter that tracking number, however, you will see that package was NOT delivered to my home in XXXX, but was recalled and delivered to XXXX XXXX facility in XXXX, OH. I have never received the chair. I have told American Express that XXXX 's documentation is fraudulent multiple times and sent screenshots of the real tracking information from XXXX. It is easily verifiable via XXXX that XXXXXXXX XXXX documentation is fraudulent, and American Express continues to ignore this information and close my dispute. American Express is not providing the purchase protection it promised me as part of my American Express Platinum card fee.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
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: CITIBANK, N.A. (FL)

I HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET MACYS TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A MACYS ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

I received an alert yesterday, XX/XX/XXXX on my credit report that the car loan account is 90 days late and I thought, how am I just finding out about this, I am a co-signer on the vehicle and my son is the owner making the payments. He very adamantly tells me what months and the amounts he made through the app. 
I call an XXXX number, XXXX, and I speak to a woman, and she is telling me how he scheduled payments and that the payments failed, since XX/XX/2023 and then she continues to give me other dates that the money kept trying to be pulled from the account I explain to her that my son is the one making the payments and she laughs and then says, I am sorry I am laughing but it is funny when the kid is making the payments How is it that I havent heard about this? And then, she gives me an insane amount of money scheduled to be taken out of his account. I confronted my son, and he said he did not schedule that payment, at this point, I believe him. I do not understand what is happening with this app, why would the payments be failed? 
And now, I have a derogatory mark on my credit WITHOUT any notice. And the frustrating part is, because the app is trying to pull money out of the account, I can not make a payment, which is what I tried to do this morning, to bring the account to current.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (NJ)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is mandated that consumer reporting agencies, such as XXXX, XXXX, and XXXX, exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am empowered to ensure that my private information remains protected, as affirmed by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and safeguard their nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) explicitly states that consumer reporting agencies may only furnish consumer reports with the written instructions of the consumer. Neither the financial institution, acting as a furnisher of information to credit agencies, nor the consumer reporting agencies, XXXX and XXXX, have obtained my written consent to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) b stipulates that a financial institution must inform the consumer of their right to exercise a nondisclosure option regarding the sharing of nonpublic personal information with nonaffiliated third parties. However, ( Furnisher of information to credit agencies ) failed to provide me with an explanation of how to exercise this right.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. Yet, the inclusion of adverse account information without my consent violates this provision.

Furthermore, 12 CFR 1016.7 ensures that consumers have the right to opt out of information sharing at any time. Therefore, I am exercising my right to opt out of your reporting services.

In addition to the above laws and regulations, the Family Educational Rights and Privacy Act ( FERPA ) also safeguards the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to protect the confidentiality of student records and provide students with certain rights regarding their educational records. Therefore, I assert my rights under FERPA to ensure the privacy and protection of my educational information.

Please confirm in writing that my request to opt out of the disclosure of my personal information has been processed in accordance with all relevant laws and regulations, including FERPA. If further information or documentation is required from me to facilitate this process, please do not hesitate to contact me at the provided address. 

Thank you for your attention to this matter, and I appreciate your prompt action in complying with my request.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2020-07-02
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. (CA)

I've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are XXXX accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TH Professional & Medical Collections LTD (NC)

T-H PROFESSIONAL & MEDICAL COLLECTIONS LTD HAS PRESENTED ME WITH A FRAUDULENT BILL FROM A MEDICAL PROVIDER. I CONTACTED THE PROVIDER DIRECTLY AND THEY ADVISED THAT MY ACCOUNT IS CURRENT AND BEING PAID AS AGREED. THE MEDICAL PROVIDER ALSO INDICATED THAT THEY HAVE NO RECORD OF REFERRING ME TO THIS AGENCY. MY ACCOUNT IS CURRENT AND BEING SERVICED AS PREVIOUSLY AGREED TO.
Consumer complaint received 2020-07-02
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. (MS)

I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

XXXX has sold this account to Diversified Consultants, in return Diversified Consultants never sent a letter out this company placed this account XXXX on my credit report. If Diversified Consultants would have taking the time out and contact me then would have known the account was taking off my credit by Consumer Financial. XXXX was notified about the complaint and XXXX XXXX XXXX also knows this was taking off my credit. 
CFPB first complaint # XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp. (MD)

A private consolidation loan originally owned by XXXX was sent to Absolute Resolutions for debt collection. I was harassed continually by Absolute Resolutions and their third party representative, XXXX XXXX XXXX ( and their employee XXXX XXXX ). Despite several attempts from XX/XX/XXXX to XX/XX/XXXX to make payments on the amount owed, including a good faith 10 % down payment and monthly, then biweekly payments, I was constantly asked to pay more and more and was then unable to make the expected payments. Because of this, I applied for Chapter XXXX bankruptcy on XX/XX/XXXX and was granted a full discharge on XX/XX/XXXX ( which included the Absolute Resolutions collections account totaling {$26000.00} ). In XXXX, I began receiving statements and requests for payment from Absolute Resolutions. I then contacted them by phone and spoke to a representative. I informed them of the bankruptcy discharge. Since then I have not received any communication attempts. However, the Absolute Resolutions account has stayed on my credit report as an open and active collections account. I filed a dispute with XXXX which was rejected. On XX/XX/XXXX, I logged into my Absolute Resolutions account to see that is is very much active. Since then I have contacted XXXX again, emailed my official discharge order to Absolute Resolutions, and am now filing this complaint.

Included in this complaint are my discharge order and the Absolute Resolutions portal for my account.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Amsher Collection Services, Inc. (CA)

Hey Im contacting you because I had this removed from my credit report many times already and they sale the debt in put it back on my report this account doesnt belong to me I asked for validation in signing of the contract many times and they could never provide it so I would like this to be investigate and removed if they cant show validation and that this is the original company and original contract with a wet signature from me
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX, my mother in law had her XXXX hacked by a new trend where hackers use AI to hack. They steal your voice and face and video chat. I was under the impression the person was truly my mother while video chatting, and I sent them money on venmo because they said they needed help. {$200.00} ( XXXX separate {$100.00} transactions back to back ). Found out it was not my mother in law. I immediately filed a dispute with venmo and my XXXX XXXX at XXXX because they money withdrew from my debit card with XXXX XXXX. Venmo today emailed me twice and have denied to my disputes saying the reasons were because they are authorized transactions. I have told them repeatedly this was due to a hack and fraud and I did not authorize money being sent to the username " XXXX " on venmo. This is not okay. This is fraud. Venmo stated they can not help me any further because of my venmo usage history, although I made it very clear to them never in my transaction history have I ever sent money to or from XXXX ( XXXX XXXX ).
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc (CA)

On XX/XX/2024 I received {$99.00} cents from a transaction for collaborating while doing so he got the items he wanted. afterwards I had an incident where my phone was completely shattered which i couldnt even open or go on. after a week and a half I got my phone fixed and saw my Paypal negative. I tried to text the person who gave me the money for the collab but he blocked me on everything. Contacted Paypal showed them evidence of him blocking me and they said they will get back to me. 2 days later he begins saying disturbing and disrespectful things on social media which i did show Paypal in the evidence but they still didnt show any care in the world. He was showing me his private parts, threatening me and laughing at scamming me. This did result into me going to the hospital. I did let Paypal know and I also stated why they would believe someone who didnt put NO EVIDENCE supporting his claim and yet still to this day im negative. Im not paying this obsolete disrespectful and disgusting person.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MT)

There is an inaccurate information in my credit report from company Jpmcb card after account been review it, another error is reported from this company. 
XX/XX/year> as online account opened.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Aspen Yo LLC (TX)

I was notified by our utility tax district with notice on our front door that if our utility taxes weren't paid for XXXX by XX/XX/XXXX that our water services would be disconnected and wouldn't be turned back on until {$3000.00} plus is paid. This shocked us because our Mortgage ( Gregory Funding ) has not failed to pay our taxes before. Our county/property taxes were also late in being paid ( got late notices from XXXX XXXX  XXXX but those taxes were eventually paid. Everytime I call Gregory funding I keep getting different explanations. First they acknowledged they haven't paid and would get on it. They promised to pay by XX/XX/XXXX and it still hasn't been paid. When I called them earlier this morning ( XX/XX/XXXX ), now Gregory funding is saying they have records of paying our utility district and now they are waiting on returned payment from our utility district ( so it appears they haven't even tried to reach out to the utility district to straighten out this matter ). This is causing me and my XXXX  mom much stress and we are already in the middle of financial strain in this tough economy.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX @ XXXX XXXX I received an email from XXXX XXXX a part of Best Buy store that fixes computers and electronic equipment. This email referencing an electronic signature of mine and a change of {$340.00} being attached to a service a recently had done. The identify this as a Premium Plus Plan coming from the internal department of Best Buy, called XXXX  XXXX. I did have work done on a computer back in XX/XX/year> from XXXX NJ Best Buy department store then the next day, the computer could not be repaired, I just bought a new computer, costing over {$2000.00}. I believe this email is a phishing email scam and is extremely alarming that this scammer or phishing email has some knowledge of a purchase or service I conducted with Best Buy, using my Best Buy credit card. My question is, has Best Buy security, digital data been breached or compromised with my information being compromised? This email, I believe very strongly, is a phishing email or scamming email sent to my private email account that Best Buy has but somehow, a part of my information as to purchase or service has been exposed. Ive sent a copy of this email to corporate Best Buy today as well but this has become very confusing and alarming to receive. Sender did leave a phone # to call with some details as to a invoice information. Hopefully, this may help you in investigating this harassment contact
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

On XX/XX/19 I disputed the account Waypoint Resources with the 3 credit bureaus. Each bureau stated that Waypoint Resources validated the debt was valid. So I reached out to Waypoint Resources via mail on XX/XX/19 requesting validation of the debt. ( tracking XXXX XXXX XXXX XXXX XXXX ). 
I have not received any documents from Waypoint Resources validating the debt. 
It is a violation for them to not provide validation and still don't delete the item.