davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
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 XXXXXXXX account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX, has violated my rights. 

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 instructions
Consumer complaint received 2022-06-17
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: CITIBANK, N.A. (WA)

XX/XX/2022 I ordered a special order kitchen from XXXX XXXX. I called CitiBank XXXX XXXX XXXX for a credit increase to cover the kitchen. Kitchen price {$29000.00} so available credit was XXXX. 

XX/XX/2022 I received a bill. I was surprised because I am being made to pay when I will not get a kitchen install un til at least XXXX but I made the payment of {$290.00} on XXXX. The promotion was to be pay balance within 24 months to get differed interest and it was not. The premotion was incorrect at 6 months. 
XXXX XXXX XXXX Citibank agreed that it was input wrong and said it would be correct next bill. 

XX/XX/2022 I received my next bill. To my surprise CitiBank charged me for a whole other kitchen. Same dates of charge but 2 kitchens. The original purchase with my payment deducted AND a whole other charge of {$29000.00}. This other charge is for 24 month promotion. This has inflated my payment from {$290.00} to {$580.00} and have overdrawn my account to {$58000.00} I caled CitiBank and talk to XXXX and XXXX who try to tell me it is XXXX XXXX fault and they need to fix it. I call XXXX XXXX at XXXX XXXX manager for XXXX XXXX XXXX. XXXX XXXX didnt do it. 

On XXXX I finally get CitiBank to admit it was their fault and it would get fixed. 
On XXXX I make my payment for the kitchen I purchased, {$290.00} - I did not pay the {$580.00} because I did not order 2 kitchens and I still dont even have 1. Citibank was to remove the charges they put on my account and should have corrected the over minimum. 
If you didnt order the item you should not have to pay for it. 

I received my next statement There was a late payment of {$29.00} and a past due amount for {$290.00}. Both of these charges are on something I didnt order that CitiBank billed me for fraudulently. 

I have called every 3 days since. I have been told it will be taken care of. I have been told I will get a call back. 
I have been hung up on. 
I have been called for " collection of a debit '' and told I will be sent to collections. 
Citibank did manage to remove the {$29.00} fee BUT Im sure it will be back next statement. 

XXXX I made my payment of {$280.00}. 
I called XXXX at XXXX Citibank and was told, citibank will not remove this and that i just need to pay it and that this WILL affect my credit rating if i dont. 

I have a call into XXXX Installs to cancel the kitchen. I still dont have a kitchen and have been paying. CitiBank has made this whole process a nightmare.
Consumer complaint received 2021-12-29
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. (FL)

XXXX : I sold my home at XXXX XXXX address of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as reflected on the executed XXXX Title and Trust Master Statement attached. 

XXXX : Per the attached XXXX statement provided by XXXX XXXX, I fully paid the XXXX " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the balance to {$0.00}. 

XXXX : It also shows that I cancelled the service - see " CANCELLED - ELECTRIC SERVICE '' and paid a total of " {$250.00} " to bring the account balance to " {$0.00} '' Per the fully executed XXXX Title and Trust Master Statement, this service address was no longer my responsibility as XXXX - and I made sure to fully pay the " End of Month Balance '' of " {$230.00} " paying a total of " {$250.00} " to bring the account balance to " {$0.00} ''.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premium Credit Bureau (FL)

Validation that I gave written consent under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq, I demand removal from my credit report and pay {$1000.00} dollars for unauthorized inquiry : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To [ Premium Cred ] You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I also request validation that, I gave written consent to pull or review my credit. Failure to produce evidence by law, I will be seeking damages, if it is not immediately removed from my credit. I have not initiated any transaction with Premium CRED Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Premium CRED for review or collection. 


Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, a fraudulent hard inquire was made to my Transunion credit record by XXXX XXXX  XXXX, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. XXXX XXXX XXXX refuses to issue an inquire deletion letter that Transunion unreasonably demands. 

In short, both the lender and Transunion refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

I sent a money transfer to one of my XXXX  in XXXX, XXXX. 
The transaction was made on XX/XX/2020. 
Due to the Pandemic and the laws in that Country, the person to whom the transaction was made to, XXXX XXXX XXXX XXXX, he was not able to leave the premises where he lives due to the Pandemic and the Corona Virus 19. 
He was allowed to leave after the laws were less restricted and he went to pick up the money sent on XX/XX/XXXX but was told by the company there that something was wrong with the transaction. He then called me to ask me why and what was going on. I called the company here : XOOM, ( a XXXX   company ) and I was told that the money transfer was cancelled due to the fact that the person did not show up early enough to pick up the money. I requested from XOOM to resend the money transfer again but they refused to do so, reasons? I do not know. I have letter that show evidence of my claims to XOOM but they declined to help and shut me up telling me that nothing they could do. All I was asking was to RESEND the transfer the same way it was when first sent on XX/XX/XXXX, but they refused. I told them that I shall file a legal complain but they never answered me back. What do you suggest I would do? This Company feels they are " almighty '' and refuse to resend it. 
Thanks for your kind attention to my request. 
Sincerely, XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (UT)

XXXX XXXX with MAC credit collection agency says he is collecting on a debt from 2013- which was paid off. He is contacting EVERY one of my family members and calling me and them EVERYDAY. I have searched the phone number hes calling from and its verified fraud/scam. He says hes suing me and taking me to court. Barely speaks XXXX and is harassing me and my entire family.
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

I contracted with XXXX in XXXX of XXXX to install a solar   system  at my residence. I financed the solar system through XXXX preferred lender, Mosaic Solar. XXXX led me to believe that they could install the system before the end of the XXXX tax year. And when the system was installed and active, I would no longer pay my utility bill, but would I would have a loan payment. On XX/XX/XXXX, I received an email from the XXXX project coordinator saying that they in the process of getting a building permit. The result was that the system was not install by XX/XX/XXXX, costing me to lose out on a portion of the federal tax credit in the amount of about {$2500.00}, in a year that I needed it. 

In XXXX and XXXX, I waited to hear from the project coordinator about the installation, making a few calls, but not receiving any answers. I finally received an email on XX/XX/XXXX from a new project coordinator, stating they were still waiting for a permit. On XX/XX/XXXX, I received two emails, one from the new project coordinator re-stating that they were still waiting for the permit, and the other, a notification from XXXX stating that they were suspending installations because of the shelter in place situation in California. 

Then, on XX/XX/XXXX, I noted a debit to my checking account from Mosaic in the amount of {$200.00}. I called Mosaic, and was informed that this was my first monthly payment on my solar system loan. Further, I was told that 50 % of the funds, some {$14000.00}, had already been distributed to XXXX. I complained that the solar system was not installed yet, had not even been started to be installed, and in fact there was no building permit applied for. They told me they were going to investigate further, and to date I have not heard anything further. I have tried calling XXXX, however, they have stoned walled me, and will not discuss anything beyond the fact that they are not doing installation until the shelter in place is lifted. 

In the meantime, I am continuing to pay my utility power bill ( ~ $ XXXX/month ) and now on top of that, a loan payment for a non-existent solar power system ( ~ $ XXXX/month ). Instead of reducing my monthly utility costs, I am now burdened with a loan for a non-existent system on top of my utility costs.
Consumer complaint received 2023-12-08
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: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX ( XXXX ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The Home Depot XXXX Card ( CITIBANK , N.A . ) not only permitted the purchase but also charged off the debt through the IRS. XXXX Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXX  XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of contract, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, Equifax on time, XXXX 30 days. Also XX/XX/XXXX : XXXX on time, XXXX on time, Equifax 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, Equifax on time, XXXX 60 days. Also XX/XX/XXXX ; XXXX on time, XXXX on time, Equifax 30 days. 
Date Last Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.
Consumer complaint received 2021-12-29
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. (MD)

I had a Citi Prestige Card since XXXX. On XX/XX/XXXX, the annual fee {$490.00} was posted and I paid the annual fee. However, Citi Bank closed my account on XX/XX/XXXX, after 45 days when the annual fee was posted. I contacted Citi Bank and opened a case for the annual fee refund, but they declined my request for a refund for the membership fee on this account, which makes no sense and unfair to me at all.
Consumer complaint received 2022-06-14
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. (CA)

I purchased football tickets for {$980.00} using my Macy 's Amex from XXXX XXXX on XX/XX/XXXX. The event was on XX/XX/XXXX. One week before the game I had still not received the tickets, so I called XXXX  to have them issued. I sat on hold for over two hours and was informed I had to wait until at least three days prior to the event, but that I should have them in the next 6 hours. Fast forward to two days prior to the event - still no tickets. Once again I got back on the phone, sat for another two hours, and was told I would be receiving them via email within the next four hours. Twenty-four hours, later and one day before the event, I still had not received any tickets. I had family coming into town to attend the event with me and it was imperative I receive the tickets before the game. Friday morning, the day before the game, I sit on hold again and once again was told I would be receiving them within a few hours. Nothing ever came through. I called Macy 's Amex to report the fraud and informed them I never received the tickets, the game was less than 24 hours away, and I will be purchasing tickets from another vendor -please dispute this charge. I made the purchase of the new tickets on the same card immediately after that phone call. They ensured me they would take care of it as I had never received what I paid for. My account was credited {$980.00}, until XX/XX/XXXX, when the charge reappeared on my credit card statement. I called to dispute it again and they assured me it would be credited. I have multiple emails, multiple faxes, and phone calls to Macy 's Amex to get this {$980.00} fraudulent charge removed from my credit card to no avail. Today is XX/XX/XXXX and the charge has still not been removed. Their reason- the ticket was non-refundable and the circumstances surrounding the charge offer no recourse to recover funds. Ultimately, they reversed the fraudulent charge the first time and allowed XXXX XXXX to recharge the card in XXXX. This is illegal and needs to be fixed immediately. I have been a customer for over fifteen years and have never disputed a charge. It was reported before the event happened, and XXXX XXXX should be held accountable for their fraudulent activities, along with Macy 's Amex for allowing the fraud. I hesitated to submit this as I am sure it will cause retaliation with a credit limit cut or closed card, but I refuse to be bullied into paying for something I did not receive.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts XXXX XXXX  with a balance of {$670.00} XXXX  with a balance of {$7100.00} XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with a balance of {$1300.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1500.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) with A balance of {$730.00}
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

About 9 months ago I put a fraud alert thru another company to alert that my identity was compromised. I resolved the issue and the fraud accounts were removed from my credit report. 

I have been having issues getting this company to remove the fraud alert. I wrote them several letters and they actually send me letters saying that they are placing another fraud alert on my credit report. 

This is giving me a problem because I can't obtain credit, and I have had credit rejections due to these fraud alerts.
Consumer complaint received 2019-05-21
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Upon trying to open a checking account on XX/XX/19 I became aware that XXXX XXXX has an account on my report, or somewhere in their system, of someone with a completely different name than me opening an account at XXXX XXXX XXXX XXXX. This discrepancy caused my application to be rejected. I ordered a report from XXXX that day because I was told by a XXXX employee that this was the only way I could talk with someone that could help me resolve the error. I received the report about two weeks later. I could not find any mention of the erroneous account on my copy of the report, so I called the XXXX  phone number on the report. The person I spoke with said they could see the XXXX XXXX XXXX XXXX account with my social and a different name, and that I would need to fax my social security card to them to prove I'm me. I do not want to do this. I do not trust them. I do not have very convenient access to a fax machine. Lastly, I do not want to do their job for them. I have had difficulty contacting and communicating with XXXX. They have been an awful and difficult company to deal with. It is clear to me that I am just cattle to them and not their customer. It would seem to be a simple, common sense matter for their database to flag or not allow two different names to be attached to one social.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Hello, I firstly meet the girl on a dating app and we had agree to talk on XXXX, then she being so careful for me and we started to talk about personal life where I started to trust her. After a while she invited me to join XXXX XXXX in coinbase wallet, supposedly to make a generous return. I agree. Now after I had deposited over XXXX I start to questions my self and was about to wither the money but I couldn't. I asked her how to get my money back but I was told to put more liquidity in the pool so I can withdraw my money. Now I'm very desperate called Coinable Suport but they just redirected me to Dating app Suport. Can you please help me? I can provide more info and screen shots with conversation. Please, please help refund my money its all I had