davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I returned two florescent light tubes to XXXX XXXX in XXXX, MO for credit and I received a credit of {$18.00}. My next billing statement indicated two credits for that same amount, but I believe only one was valid. 
On my XXXX, XXXX statement, I noticed two strange entries : XXXX Trans Bal Between XXXX ( XXXX ) and each was for {$18.00} I called the credit card company and asked what this was all about and was told that they reviewed the account and to make it balance they reversed both credits. This was about ten months after I returned the light tubes. What a delay! 

Since I called, I have had no satisfaction nor do I understand why they reversed both credits. I have made numerous attempts to resolve this, but no success. Perhaps one was a duplicate, but certainly not both.
Consumer complaint received 2020-06-25
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: CITIBANK, N.A. (AL)

I have three credit cards issued by Citibank. I have NEVER been late on payment. Instead, I always made my payment on time. And over the years, for several times, I have paid off completely the balances on these three credit cards, showing both my good will to be a good customer and my ability to financially manage my credits/debts. Also, I have a very stable job as an XXXX XXXX in a large public university, with annual income over {$180000.00}. Fairly speaking, I have no issue whatsoever paying off my credit card balances. 

To my very surprise, on XX/XX/XXXX, Citibank has notified me that they have updated my credit limit. Specifically, they have significantly lowered the credit limit of ALL my three Citibank credit cards, which almost erased all the rest of " available credits '' at that point. Accordingly, the percentage of debts on all my three credit cards have increased in a sky-rocket way. That consequently had a significant and negative impact on my credit score. I feel that as a long-time loyal and good-record customer ( about 13 years ) with Citibank, I have been discriminated against by Citibank with significant adverse impact on my credit score.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CO)

My request for a loan from XXXX XXXX  XXXX XXXX CO was denied because Sagestream , LLC reported to them that I was DECEASED!! This was sometime the end of XX/XX/2020. I have received a letter from XXXX dated XX/XX/XXXX informing me that I am deceased. I sincerely would like this corrected! 

NOTE : I have today, XX/XX/2020, received my credit score from XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I sold and received payment for a Set of Tables on XX/XX/XXXX for {$270.00} & received payment for them via Venmo. On XX/XX/XXXX the Lady that purchased them filed a Fraudulent Dispute with her Bank and Venmo placed a Hold/Freeze on my Venmo Account. I immediately disputed the Fraudulent Claim with Venmo that was Filed by the Lady that paid & picked up the Tables on XX/XX/XXXX and also sent all Messages to Venmo showing proof that SHE, herself did in FACT send the payment for {$270.00} to purchase the Table 's & she was the one that initially asked if she could send payment for them via Venmo. I even reached out to the Lady that Filed this Fraudulent Dispute Claim and asked her why she Filed this Fraudulent Dispute Claim and also sent her our Conversation of our Messages validating that she did in FACT send the Money of {$270.00} for the Tables and asked her what there was to dispute about it? She said she that she made a " mistake '' and that she would reach out to her Bank and Cancel the Dispute Claim that she Filed and she was Sorry. Since then, the Lady that paid {$270.00} for the Tables and reached out to her Bank to Cancel the Filed Dispute Claim that she made in " error '', as of XX/XX/XXXX she sent me a Letter from her Bank that she Filed this Dispute with showing and stating that she was NO LONGER Disputing this Charge for {$270.00}. I immediately Emailed this to Venmo & continuously get the same automated response. Can't speak with anybody at Venmo, can't get the Fraudulent Freeze lifted off of my Venmo Account & receive my RIGHTFULLY OWED MONEY placed back into my Account. Is this a joke? How is this Legal? I HAVE PROVIDED ALL DOCUMENTATION SHOWING PROOF SHE INTENTIONALLY SENT THE PYMT OF {$270.00} FOR THE TABLE 'S, THE LADY ADMITTED THAT SHE KNOWINGLY DID SEND THE {$270.00} FOR THE TABLE 'S IN THE PROOF THAT I SENT TO VENMO, AND NOW WE ARE ALMOST XXXX MO 'S INTO THIS AND THIS LADY HAS THE TABLES & POTENTIALLY A {$270.00} REFUND??? AND MY MONEY IS BEING STOLEN FROM ME? WITH NO RETURN OF THE TABLE 'S AT THIS POINT. 

PLEASE HELP REFUND MY RIGHTFULLY & LEGALLY OWED MONEY BACK TO ME IN MY VENMO ACCOUNT.
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: Account Control Technology, Inc. (TN)

I have accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OH)

My complaint is about the vehicle loan I received from Santander Consumer USA. 
Santander Consumer USA ( https : //myaccount.santanderconsumerusa.com/Home/SignIn ) On XX/XX/2020 I made a payment of {$520.00} to cover the month of XXXX and XXXX of 2020. I also made another payment of {$260.00} for that one to cover the month of XX/XX/2020. So why am I being billed to make a payment on XX/XX/2020 We called them on XX/XX/XXXX at XXXX XXXX XXXX. We were told that they will put in a request and that we should check later that afternoon with the website to see the changes in our bill. We did so and today XX/XX/2020 we still see that we are being charged to pay on XX/XX/2020.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

Hello, I have a major complaint against PayPal. My friend and I tried to use PayPal to transfer money to pay for personal use, and PayPal, without warning, cancelled our transaction, froze the money for 6 months, and permanently banned my friend 's account for reasons unstated. 

When we called PayPal to resolve the issue by offering to validate our account as not fraudulent, created by a third party, etc... they refused at multiple layer of customer service saying the decision was " permanent '' and there was nothing we could do. They have effectively stolen {$1000.00} USD with no way to claim it back. 

I tried to call again, but this time with both of us on the phone as two different PayPal users making the transaction to vouch for my friend. We waited through 4 layers of customers service, reauthenticating, being placed on hold, and after 2 hours, we were on hold and disconnected by PayPal. 

PayPal 's unfounded decision-making, lack of redress options, and ineffective customer service has left us no other choice. Typical Americans can not afford to access the legal system to hold a company like PayPal accountable for their decisions and they know this.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

I have cleared/paid off a collection account with XXXX XXXX I, XXXX ( a debt collection agency ) for a credit card account originally with Citibank. This payment became official on XX/XX/2021. 

I have been told by XXXX XXXX XXXX XXXXXXXX that this collection account is eligible to be removed from my credit reports with XXXX XXXX and XXXX. I would like that done immediately since the debt has been paid.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NC)

XXXX will not cancel my service, -first requested by me in person at a designated XXXXXXXX store on XX/XX/XXXX, again on via phone to the company XX/XX/XXXX and again XX/XX/XXXX via chat transcript, XX/XX/XXXX -via phone conversation and in XX/XX/XXXX via email from their legal representation. Requested multiple times in past year to cancel service. XXXX sends my debt to a collection agency using an improper address and improper former last name ( yes, they have been told multiple times to correct it and given proof of the address and name change ). As a result of XXXX not canceling the service, I am being sent to collections for " fees '' after they have informed me of the account being disconnected and the account {$0.00} balanced. 

Their representatives tell me they will cancel the debt and notify the credit agencies, and then three months later another debt collection appears on my credit report for " Fees ''.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, I reached out to THEM ( THEIR EMAIL ) through XXXX as the XXXX profile they were pretending to be ( a young woman that I recall called themselves XXXX XXXX ) said on a XXXX XXXX XXXX page that they had tickets they were trying to get rid of because other things came up. 

They told me to send {$30.00} for the tickets through PayPal and I did so. After a few minutes of sending the money with no response, I figured Id been scammed. I went to PayPal to cancel the transaction and was not able to do so. 

That night I filed a complaint with PayPal. This morning ( XX/XX/2020 ) I received a confusing email that my claim was denied. However, the email stated that money had been sent to my account MY EMAIL. This however is wrong in two ways. The email should have said the money was sent to XXXX account if my claim was denied. The email is copied below. 



Hello ME, We have completed our investigation regarding the money transfer you sent on XX/XX/2020. You submitted your claim because there was a problem with the remittance. 
We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated* {$30.00} USD*would be transferred to MY EMAIL no later than XX/XX/2020. According to our records, * {$30.00} USD*was delivered to MY EMAIL on XX/XX/2020. Because the transaction completed correctly as disclosed, no error occurred. 
To request a copy of the documents that we relied on in making this decision, please email us at [ XXXX ] ( mailto : XXXX ). 
You can also mail your request to : PayPal , Inc . 
Attn : Error Resolution Department XXXX. XXXX XXXX XXXX, NE XXXX In your request, include your name, the email address on your PayPal account, and the Case Number provided below. 
The case has been closed. If you have any questions regarding the processing of this dispute, you may contact us by sending an email to [ XXXX ] ( mailto : XXXX ) or by phone at [ XXXX ] ( tel:XXXX ). 
If you want to send a new money transfer, please log in to your PayPal account to send money. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * Transaction Date : XX/XX/2020 * Payment Amount : $ XXXXUSD * Recipient : MY EMAIL * Transaction ID : XXXX * Case Number : XXXX Sincerely, PayPal I believe this information should suffice to get my money back. 

Thank you and please let me know if you have any questions.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

To who it may concern : My name is XXXX XXXX I received letter stating that my unemployment benefit money has been loaded onto a prepaid card. I however, have not received the prepaid card nor have I received any money. Please help.
Consumer complaint received 2023-03-06
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)

XXXX XXXX placed a fraudulent account on my credit report, I demand XXXX XXXX remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action XXXX XXXX for violation my my consumer rights, im filing this complaint against XXXX XXXX because XXXX XXXX has used my information to establish a fraudulent account in my name, in future reference I will sue XXXX XXXX in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (AZ)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX  XXXX XXXX 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 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 or 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 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-03-27
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: DISCOVER BANK (NY)

In XX/XX/2020 Ive made a several purchases on XXXX with my Discover *XXXX  card. All of the purchased items have been successfully delivered to my business and home addressees in XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, respectively. Unfortunately, some of the items looked and performed not as it was described in the original listing. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return, most of the returns have been honored as it reflects on my account. However, listed below items, havent been reimbursed : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$570.00} 2 ) XXXX XXXX XXXX XXXX - {$160.00} 3 ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX - {$250.00} 4 ) XXXX   XXXX XXXX  XXXX  - {$160.00} Ive filed a dispute on Discover website and attached as a supporting document ( for your convenience, Ive attached a copies of these again ) copy of return shipping label issued and approved by XXXX, as the reference for this return as well as XXXX is listed below. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.
Consumer complaint received 2022-06-30
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: LEXISNEXIS (CA)

Have you already tried to fix this problem with the company? 
Yes All of these inquiries are NOT Valid. Therefore I'm putting a FRAUD ALERT on my LEXIS NEXIS FILE as well as XXXX and any of the affiliated companies to Lexis Nexis. I am also putting a permanently security freeze on my data/consumer file. Lexis Nexis has been warned IN WRITING, certified letter, signature required, return receipt, that they are NOT to share my information with anyone, I'm information is NOT for sale nor for Free. I prohibit Lexis Nexis from sharing my personal information. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXAll of the above were taken off of my XXXX Credit Report XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XXXX XXXX *** All of the above were taken off of my XXXX Credit Report XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Complete REMOVAL of all of these inquiries would be the ONLY fair action to take. 

Attached police report to the complaint.