davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX : Placed online purchase from XXXX XXXX XXXX, for wrench. Price - {$72.00} XX/XX/XXXX : Received Damaged and " Empty '' paper USPS shipping envelope. Contacted XXXXXXXX XXXX XXXX  and explained what happened. XXXX XXXX asked that I send pictures, which I did via Text message. XXXX XXXX acknowledged that envelope appeared damaged. XXXX also said that they would be filing a claim with the USPS. XXXX XXXX XXXX order # XXXX XX/XX/XXXX : Called Chase Bank to file charge dispute for missing merchandise. 
XX/XX/XXXX : Received request from Accounts Payable Branch of USPS, but the letter was dated XX/XX/XXXX. I called their department, and they admitted that the letters were going out late! The letter asked for the original shipping envelope, which I submitted to local USPS the next day, in XXXX XXXX, CO. The most important fact about this, the envelope had a Green USPS sticker on it. The " Attention Customer '' sticker had " Received Damaged '' and " Received without Contents '' checked! 
XX/XX/XXXX : Provided XXXX, at USPS, the damaged shipping envelope. 
XX/XX/XXXX : Received letter from Chase Bank, saying that they Denied my claim, and the Only reason given was that the Merchant shipped the wrench. They made absolutely No mention of the fact that the actual merchandise Never arrived! I appealed the decision. With the appeal, I provided a letter with everything that had happened, and a picture of the USPS envelope, with USPS Green sticker. 
XX/XX/XXXX : Received Denial of claim from USPS, stating " Per our conversation the claim was denied under the mailer 's account. They were sent a denial letter on XX/XX/XXXX and has not filed an appeal as of today. '' I don't doubt that Haus of Tools probably received their letter from the USPS Accounts Payable Branch over a month late, just like I did. XXXX, at the USPS in XXXX XXXX, said that he had several customers that complained about the same experience with late claims letters. 
XX/XX/XXXX : Received letter in regards to Chase Bank appeal, Again stating " the transactions are valid and will remain on your account balance. '' At this point, it's beyond belief that I am being forced to pay for something that I Never received, through Absolutely No Fault of my own! I feel that I have done everything that I should be required to do, and I should not be victimized twice!
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NM)

Here is a copy of what i sent the company and what has been conveyed in multiple unsuccessful phone calls. 
XXXX Executive Response Team Citibank XXXX XXXX XXXX XXXX, TN XXXX XXXX : Dispute regarding XXXX Dear Sir or Madam : I am writing to ask you to correct an unjust and unethical business practice. Approximately two years ago, I purchased an appliance from Home Depot with the promise of two years no interest. I put the payments on a regular plan and made the payments like clockwork to pay it off within the two years. My last payment of {$50.00} was made in XX/XX/2021. Due to some type of mail delay, my last payment arrived 1 DAY LATE. I had not previously been late on any payment. 

Because I knew I had paid the balance in full, I had shut down my payments on the account. I came to find out eventually that Citibank and not only charged me one, but two late fees, resulting in a late fee assessment of almost {$60.00} -- - which was more than my final payment. 

Rather than making this easy, removing the charges, thanking me for my business and moving on, Citibank went the other way. It insisted that I pay at least part of the late charge, acted like the system would not allow any changes and refused to do anything. Citibank could have easily adopted a customer first model, recognizing the delays that are commonplace occasionally due to the pandemic, but instead Citibank has doubled-down. It is now trying to strong arm me by adding more fees. So a one day late charge is now at {$100.00}, and they keep threatening to keep charging more.

Because this is so upsetting, I offered to pay the original fee of {$28.00} just to get Citibank to stop. Instead, now there are more fees and Citibank is insisting that it wont back off of the additional fees that it has now added. 

I am asking one last time for Citibank to do the right thing. Even though it is appalling business practice on Citibanks part, I will pay the first late fee of {$28.00} just to end this ( although I think the right thing would be to simply waive them all ). If that is not acceptable, I plan to fight this aggressively, both for the principle of the matter and to contest such predatory practices that get used on your creditors.

As an aside, I find it troubling that you do not allow your consumers to file complaints electronically, thus leading to longer assessment times and consequently, Citibanks ability to add more late fees due to delay that it creates.

If you would like to resolve this matter, you may call me at XXXX XXXX XXXX XXXX XXXX or on my cell ( XXXX ) XXXX. I would prefer you try my office first, as such calls are often flagged as junk on my cell. I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX CC : Home Depot Customer Relations Citibank Corporate Offices XXXX XXXX XXXX  New Mexico Attorney General, Consumer Complaint Division Consumer Financial Protection Bureau
Consumer complaint received 2022-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

Me. Cooper took me off the COVID related forbearance plan early. I have been on the plan for about 10 months only. called them to put me back on the plan since I still have at least three months. I called three times and they always say they will do it but they dont. My payment due date is quickly approaching and is due on the XXXX of XXXX. I called them the first week of XXXX, mid month, and again today.
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (OH)

I never received a bill for the collection that I am having issues for. It is for XX/XX/2018 due to a car accident at the fault of another person. The bill was for {$2000.00}. XXXX ( XXXX XXXX at XXXX ) said she has attempted to get an itemized bill from the original biller and this collection agency so that she could pay it and never received it. Assetcare collection agency has been contacted numerous times since XXXX by me and XXXX ( my car insurance ). I had never received a bill for this with the multiple request. I called again yesterday to see if they could fax an itemized bill to my insurance company so that they could pay it and they said they had never been requested for an itemized bill. She stated she could see where I have called numerous times but didn't see anything about the itemized bill being requested. They also stated that they could not send an itemized bill to XXXX. I stated I would still like one sent to me so that I could fax it to her. This has been going on since XXXX. It has been sent to my credit report even though this account has been attempted to be paid by XXXX, however, no itemized bill has been sent. I never received a bill for this and three years later it is being sent to collections. XXXX has not sent an itemized bill after multiple request.
Consumer complaint received 2022-09-29
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. (MI)

XXXX  called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.
Consumer complaint received 2022-08-19
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NV)

I had used XXXX XXXX  to do my taxes for 2021 everything went great said do u want to revive you funds 5 days fast was like ok sure hit the botton and brought me to another menu with credit karma I have had a account with credit karma for year to keep a eye on my credit didnt think anything of it signed into fiqure it. Was a site help me build credit no it was a site to start a new account and transfer my tack check to. I then proceeded to close the account but now since my tax check was being sent there I couldnt close it.so I was going transfer it to my account added my bank to it wired a bit of money over make sure it was approved for transfers still no red flags. So my check was to be cut on the XXXX of XXXX I called them about the 5 day early thing I got the runarounds for 3 hours this is on a Sunday credit. Karma blamed XXXX XXXX blames credit karma. Now Monday I go back to the phone called credit karma said it was XXXX XXXX called XXXX XXXX and they gave me the number to the bank well now its about XXXX XXXX started at XXXX the rep asked my info gave it to them they had no recorded of me at all not my as number name address nothing at all they told me call XXXX XXXX  I did they didnt see anything between them and I at all ether now its 2 days before check was going I said forget about it Ill call credit karma again so I did asked them where my debit card and my refund they said dont know have recived it and card should be slithers soon I got a letter from XXXX said you refund got to the company they use for payment an should have my refunin 2 to 3 day called credit Karma read so waiting on the refund wondered where my cru Karma debit card was. Emailed them and in them everyday since the XXXX.I called again they said must be lost in transit order a bother 1 this is now 3 I have then yesterday I received a email by itself saying your refund is deposited so called then about the debit card advise me can use XXXX XXXX or XXXX XXXX  if you need so put it on XXXX XXXX  and go threw there is XXXX dollars iti was was trying to find my deposit they no them have denied a investigated I still have no debit card so now they Have over XXXX I told em to transfer it to my account refuser. How now I have messaged them asked for phone call told only email upper staff with now Im out XXXX dollars no debit card and no money I. The account and told to its by credit karma that was still have anything from credit karma and they are holding all the money there the can not transfer nothing transfer there and still havent
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I currently owe less than {$77000.00} on my primary residence of over 6 years. My XXXX is less than XXXX XXXX. The original purchase price was {$99000.00}. By law my PMI should have been removed. I've already requested removal of PMI by mail and was denied. My payments are up to date in good standing, with additional payments to principal made monthly. Truist has violated the XXXX by refusing to remove PMI even after a written request.
Consumer complaint received 2022-03-26
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. (MO)

In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (CA)

I have filed disputes with EQUIFAX about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to EQUIFAX. on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}, which was then put on my report with another credit bureau ( XXXX ) to them and then changed and updated information on my report. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that EQUIFAX remove this information immediately.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (AL)

My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (MI)

I have called numerous times and made them very aware someone is trying hardly to obtain credit yet been unsuccessful because they can not verify my identity questions, I know who is doing this shes also trying to give me numerous inquiries to sabatoge my credit because her jealousy overwhelms her however my main concern is now that Experian themselves are sabatoging my credit, I have {$14000.00} in available credit that I dont utilize unless an emergency arises with exceptional payment history & credit usage yet they keep bringing my score down for no reason this time they brought it down XXXX points saying I have 0 % of a mortgage history, I know my rights and that is discrimination to take my score down redundantly for no reason and for not choosing to have an outstanding mortgage that would indeed bring my score down for large debt owed Ive disputed with them numerous times and asked why do they continue to bring my score down for no negative change whatsoever in fact I am a XXXX  XXXX by trade and am aware my score should continue to rise as I show continuous usage of bank and credit cards and pay them in full immediately Ive just been given credit increases of over {$4500.00} for my exceptional foundation which is 2.10 yrs old I should have a score of XXXX in its entirety yet they keep allowing this woman to put inquiries on my report and they are now telling me because I do not have a mortgage I dont deserve credit they literally just took XXXX points from me and I have been approved for a mortgage through XXXX XXXX XXXX and have been in the process of searching for a home all 4 credit bureaus are aware of this and Experian is holding me back by lowering my score for no negative reasons and trying to stop me from obtaining a good mortgage rate because it bothers them terribly that I will not accept their manipulation along with their affiliation with XXXX XXXX  and pay them monthly to monitor my credit report that I do just find myself and they are clearly bothered by my abilities I know my rights with the FCRA and its clear the fact that not only do I counsel others on how to repair their credit, gain credit, build it and utilize it but I alert them of how working with most credit repair companies alert the credit bureaus that they are working with these credit companies which tells lenders that you can not manage your finances and sought help/services from a company to do so for you. Im aware of this and I dont believe in it and I refuse to do this to people my ultimate goal and purpose in life is not to hurt nor manipulate others but to help them in its entirety even if they are not good people I know that Ive done my job Experian does not and is not in fact violating my rights and the the FCRA
Consumer complaint received 2022-07-29
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. (PA)

In Accordance with the fair credit reporting act XXXX XXXX XXXX {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX  {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 15 U.S.C. 1681 section 602 A. State : I have the right to privacy 15 U.S.C. 1681 section 604. A. section 2 : it also states that consumer reporting can not furnish account information without my written instructions
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX  XXXX, Balance : XXXX