davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Citibank credit card XX/XX/XXXX XXXX XXXX XXXX NY {$1200.00} XX/XX/XXXX XXXX XXXX XXXX NY {$56.00} I was on vacation in XXXX from XX/XX/XXXX to XX/XX/XXXX and I had this credit card with me. On XX/XX/XXXX I saw 2 charges that I did not recognize, I contacted citibank via online chat since I could not call while out of the country, they told me to call customer service when I got back to file a fraud dispute. After I filed the dispute, they told me to wait 3 billing cycles, I did not receive any information/requests from them during this time. I called back in XXXX to check on the status of this dispute and they told me that the case was closed and I had to pay for these charges because the card was in my possession and the emv chip was used. The representative also told me that I was mailed a new card in XXXX but I never received it. I offered to send me a copy of my flight confirmation and sent it to a email that they provided. They reopened the case and told me to wait 1-2 billing cycles but I heard nothing from them until I called today XX/XX/XXXX to check on the status again. The representative told me that the case was closed again and provided me the same response that the emv chip was used so they determined that I used the card, which I don't understand since I was not even in the US at the time. I can provide the flight confirmation again but I'm not sure if I should do it on the website since it says do not include personal information.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OK)

Debt collector ( RPM - Receivables Performance Management ) contacts me multiple times per day. They leave a voicemail message if I do not answer, which counts as contact. As an example, they called me twice on XX/XX/2020 from phone number XXXX at XXXX and XXXX. They left a voicemail message at XXXX, but continued to contact me. I have spoken with the company previously and advised them they are in direct violation of consumer rights. They have disregarded my requests to stop contacting me, and continue to do so. Additional number they have called from : XXXX XX/XX/2020 at XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX They are very clearly number spoofing in an effort to have me answer their phone calls, which is another clear violation.
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I paid XXXX down for a car. it didn't exist. my bank gave me my payment from them back. pay pal will not give me my paypal wallet cash back. said I forfeit their portion of my cash because financial institution filed a claim for the partial payment paid by the bank. 

they did this to me in 2018 as well thru XXXX and the XXXX dollars was never given back to me. for services used via identity theft. 
even tho I went through all the bells and whistles trying to get the refund from paypal. even tho google repaid me. it never showed up in my PayPal balance. 

so this is twice paypal has taken.my money I'm a XXXX yr old female. i am also XXXX. i dont get much money anyway. I'm being taken advantage of. 
i need help please.
Consumer complaint received 2020-03-21
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: JPMORGAN CHASE & CO. (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: T.S. Holdings (NV)

Last year I co signed an apartment with my cousin she moved out and moved a complete stranger from an ad I asked manager to evict him or ask him to leave they told me no. My cousin spoke to them and they all agreed to get me off the lease I have email from the manager saying she was working on it. Today I started getting phone calls at my job by debt collector threatening me telling me this isnt going away  what am I gon na do I have to pay XXXX saying she has my social and will just garnish wages
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to Equifax, XXXX and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX XXXXo XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Hello, I have had an account with Bank of America, originally with MBNA since the early XX/XX/XXXXs when in college. I have paid this account diligently over the years - using it when needed. Since XX/XX/XXXX I have been living overseas, mainly in XXXX and XXXX working as an XXXX XXXX XXXX. I am an American citizen born in XXXX XXXX. I have continued to pay on my account through the online portal with no complications. I recently moved back to the US ( XXXX ) and discovered - only when I applied for a car loan - that BOA cancelled the card almost two years ago. You can imagine my confusion, as the portal has been completely active with absolutely NO indication the account was closed. I have not attempted to use the card in several years as I was paying off the balance, so no more the wiser. 

As a US citizen relocating back from an overseas post this has been devastating to my credit. I continue to pay on the card - I had no idea until a month ago, was cancelled a few years ago ( again, registered for online payment, no paper content ) I contacted BOA, with lots of confusion on their part, even being told by one employee 'we are shocked you have online access, when the account it closed, you are generally locked out. ' Hmm. I asked for it to be reinstated - only to receive a notice in the mail that my 'new account ' was not approved. Yes! It would not be as they have trashed my credit score - this letter did not even note I was a 'previous ' ( while I still believed I was current ) customer. I do not think in the review process they even saw the moving parts of the human behind the request - their customer. 

This is extremely predatory of the Bank of America. I have been a customer since the early XX/XX/XXXXs and even though I am still an active paying customer they have reported me to the credit union that my account is closed - thus making me appear as the liability. This is destructive for me and my family, including XXXX minor children. I would like the account reopened, not as I want the credit, I want it paid off - but to repair my credit. At a minimum, I need Bank of America to remove this black mark they have created, without even having the respect to let me know. 

Thank you for your time and help. Please let me know if I can provide any further information. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On my Capital One Quicksilver card, I recently balanced transferred part of my balance to another bank and on Capital One 's online portal it's showing this transfer went through on XXXX and my account has been showing the correct balance since. Additionally, the correct balance amount and utilization is showing on my XXXX and XXXX credit reports ; however, my XXXX credit report is still showing my previous balance amount prior to the transfers and is affecting my overall utilization on that card as a result ( see attachment ; this is occurring on both XXXX and XXXX ). 

I've already filed a dispute with XXXX, and have also spoken to Capital One over the phone about this, but they were not able to tell me why XXXX and XXXX have been updated while XXXX has not. I didn't file a dispute yet with Capital One either because they only accept dispute letters through the mail sent to a po box and was hoping this might be a quicker route. 

Ultimately, I would like help to get my XXXX report updated to match my current account balance, and not still show my previous balance and utilization. For reference, my current account balance is {$2800.00} and should be a utilization of 24 %, but is currently showing on XXXX as {$9600.00} at 80 % utilization per the attachment provided.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

Today, XX/XX/XXXX, I tried to get my free credit report from Equifax using their online request system. After providing the requested information I received the message " Online delivery unavailable ''. I tried calling them and I get an automated system which says they can not find me in their system. I have tried this before several times. I have also carefully and fully mailed them all the requested information twice and been told they can not find me in their system. I know I have been in their system because I place a credit freeze on my Equifax report in XX/XX/XXXX and XX/XX/XXXX. I have attached confirmation documents from Equifax showing this. Yet now, when I try to unfreeze my credit, they say they can not find me. This has prevented me from opening an account at a credit union. I have a credit card, I have no outstanding loans, I always pay my bills on time. And I buy things with my credit card and am never behind in my payments. I am the secondary on my wife 's card and Equifax can't find her either. I want to be able to access my Equifax credit report and unfreeze it, if it is still frozen. Please help us get access to our credit reports and find out why we can't, and why no one else can either.
Consumer complaint received 2020-02-14
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. (GA)

As a victim of identity theft I notified Experian of Fraudulent accounts that appeared on my credit in XXXX of 2019, yet to no avail. I sent the dispute in both through mail and through the CFPB Portal when I heard nothing. I am filing this complaint as I can not get my dispute heard with direct issuance to Experian of the following account : XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by XXXX XXXX and a XXXX form should have been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

I have accepted a settlement agreement with XXXXXXXX XXXX XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with Sequium including trying to collect the wrong amount from my account. -- This happened multiple times.

I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ).

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED.

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time.

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. XXXX XXXX XXXX. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX, I was in XXXX XXXX XXXX XXXX from XXXX. I was put on XXXX  and group XXXX  sessions. XXXX XXXX gave me a XXXXXXXX XXXX XXXX at nurse line. The Dentist gave me before the pXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an XXXX being in my XXXX. Without signatures for XXXX  or the XXXX. In XXXX  after XXXX XXXX I went back to XXXX  XXXX group XXXX and stayed up late, eating a snack. I went to my XXXX. XXXX  XXXX group XXXX, then I layed under covers getting ready to sleep. Then my stomach started to inflate and I went out. In XXXX I don't remember any Court releases. I went out and woke up in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I went through fights with the look of the identity of the FBI. Also clones of family members XXXX, and XXXX. Money was being passed, + {$30.00} transfered to my pocket. I consistently hit the lottery and I walked up the street to XXXX XXXX mi. Knocked on the window to nextdoor to the Tax shop then went into the Tax shop with a black lady that owns the Tax shop, showed my tickets and won {>= $1,000,000} and some odd money. Turned it into BOA bank to the same people that work there today. Opening up a bank account with the Tax check, and found out several accounts was in my name. I closed one account then the banker the male one said they accept 5 off in lottery tickets. My account went in then the next time, I went to the bank I turned in lottery tickets and took out XXXX XXXX dollars on a card. Next thing I know I woke up in XXXX after moving from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I woke up on the other side from feet getting flashed in the eyes by a XXXX from outside, then out to the other side of bed were I went to sleep in same position. XXXX released in XXXX, and forgot about bank account from XXXX. Then I opened up another account with Bank of America in XXXX with my cousin XXXX XXXX in XXXX mi. XXXX the system omitted hanious information and sent me to XXXX  for XXXX from XXXX. My Bank account went untouched and in XXXX another account went opened for XXXX money without signatures or completion or in my presence and without permission. In two XXXX XXXX  spelled XXXX XXXX. I did. Not finish XXXX, and my other funds did not transfer in. From out, I was matyrd XXXX  and refused truth. By lawyers, program 's and Judges. Plus not sure if I been moved in layin abduction 's from too much noise in body and weird family presence and pressure. Also too many look alikes and false promises of a lawsuit in the U.S.C 18 and 42.
Consumer complaint received 2024-11-30
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: TrueAccord Corp. (NY)

XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called XXXX and I was told it wasn't me and it would be fixed.Few days later the collection from XXXX XXXX XXXX was REMOVED. 
Then I recieved a call from XXXX XXXX XXXX threatening to put the collection on my XXXX ... A few days later the same collection that XXXX removed because it was not my collection founded by XXXX after completing their investigation. The Company XXXX XXXX XXXX calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXX.remember it started at XXXX.I disputed it 10 times then it was removed..then XXXX XXXX XXXX ADDED IT TO MY XXXX.ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME TRUE ACCORD CORP.. THEY'RE HARASSING ME WITH EMAILS AND CALLS. 
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NC)

XXXX did a hard inquiry on my credit without my consent. Can you please remove this off my credit report immediately. Thank you. 
XX/XX/year> Application ID : XXXX Creditor : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (IL)

Around XX/XX/2019 I filed a dispute with Elan Financial who services my Fidelity Credit Card. The dispute was in regards with a payment made on XXXX using the Fidelity credit card. Around XX/XX/2019 I received a provisional credit of {$1400.00}. The very following day my credit limit was reduced from {$3000.00} to {$1400.00}. About one week later the dispute was not found in my favor and the provisional credit was removed from account. My account balance went back to the original amount that slightly shy of {$3000.00}, my credit limit was now {$1400.00} instead of {$3000.00} so I was {$1600.00} over my credit limit and they wanted payment of the entire amount in one month. They are clearly in contravention with the spirit of that law which states that your credit limit can not be lowered beneath what your balance is, assuming you are not over the limit. I spent over 90 minutes on the phone with Elan financial, receiving no solution beyond pay {$1700.00} today. The point of the credit card is to spend and make monthly payments, not to simply owe over 50 % of your balance in one month. 

Also my credit report shows that I was 30 days past due in XX/XX/XXXX, despite the fact that the provisional credit covered my minimum payment before the cut off. I did make the minimum payments required for XX/XX/XXXX, but ceased form then on since I was being asked to pay a sum over 50 % of my {$3000.00} credit balance.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (PA)

XXXX XXXX XXXX has contacted my XXXX  parents and release information that I am not even aware about. For the first time on XX/XX/year> I recieved a miss call from SRS. Also, for the first I recieved a letter in the mail from this SRS. I have no knowledge of a loan/credit from XXXX and/or XXXX XXXX XXXX. I am filing a complaint because SRS should not be contacting and harassing XXXX  parents of someone they have no clue is responsible. Please remove the contact information and stop harassing them.
Consumer complaint received 2020-02-14
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

A Washington Mutual Loan Amount of {$24000.00} has been reported in my credit report. 

The lender 's address was provided to be XXXX XXXX XXXX XXXX, XXXX, CA XXXX The loan does not belong to me. 

Please confirm that the loan has not been issued for social security number with last two digits ending with XXXX.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting an incorrect address on my credit report. I have no association with XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XX/XX/2019 I reach out to Equifax by Certified mail requesting for this address to be deleted from my file. As of today this is still showing on my credit report. Per the FCRA unverified information is not allowed to be reported on my credit report.