davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MN)

A Citi Bank CITI/AAdvantage XXXX World Mastercard Credit Card Account was fraudulently opened in my XXXX spouse 's name was opened shortly after XXXX XXXX  ( XXXX XXXX ) about time her XXXX was published in the XXXX  XXXX XXXX on XXXX XXXX 2024. A bill for billing period XXXX for {$590.00} was received. 
I called customer service and had trouble connecting due to not having an account number! I waited for long periods for a representative on hold and was disconnected after the service rep intimated that it was an account I wasn't aware of. There is no way my spouse who was XXXX of XXXX XXXX XXXX was capable of opening a credit account. 
I then sent the emails copied below to the address I found on their website. I called a second time and was transferred to their " closed '' security contact who said they would call me back. They never did. I received a second bill late fees and interest penalty. 
I received a letter dated XX/XX/2024 stating they have closed the account and placed the account with " one of our XXXX partners '' XXXX XXXX XXXX. I then received a nearly unintelligible call from an " XXXX XXXX XXXX '' company which I hung up on. 



From : To : XXXX Thu, XX/XX/XXXX at XXXX PM I find this annoying. 

I just received a fraudulent billing for a membership fee in my XXXX spouses name. 

I accept no responsibility or obligation past or future for this account be it fee, billing or any other connection to this billing / account. 

I do not have a card or account number. It says " Member Since 2024 Account Number ending in XXXX '' Billing is for membership fee {$590.00}. 

Addresses given : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Citi Cards XXXX XXXX XXXX, XXXX XXXX XXXX Please reply with acknowledgement of receipt. 

Regards, Re : Fraudulent Account XXXX/Sent From : To : XXXX Fri, XX/XX/XXXX at XXXX AM It appeared this did not sent last night when I sent it. 
I finally got thru to an operator on the phone this morning but after not letting me explain she ( XXXX ) hung up on me. 

Your automated system does not recognize my XXXX spouses XXXX. 



On Thursday, XXXX XXXX, 2024 at XXXX PM XXXX, XXXX XXXX XXXX wrote : I find this annoying. 

I just received a fraudulent billing for a membership fee in my XXXX spouses name. 

I accept no responsibility or obligation past or future for this account be it fee, billing or any other connection to this billing / account. 

I do not have a card or account number. It says " Member Since 2024 Account Number ending in XXXX '' Billing is for membership fee {$590.00}. 

Addresses given : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Citi Cards XXXX XXXX XXXX, XXXX XXXX XXXX XXXX reply with acknowledgement of receipt. 

Regards, XXXX bill XXXX
Consumer complaint received 2024-01-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: LOBEL FINANCIAL CORPORATION (TX)

I accompanied my son to XXXX XXXX in XXXX Tx to look for a used car. As we began to looking around I informed him these cars had too many miles on them but my son wouldnt listen due to his need for transportation. So my son settled on a car he found and he went to do the paperwork in mist going over my son finances and paperwork salesman tells my son he needs a co-signer. So reluctantly I signed the paperwork for co-signer but I was told after 6 month I would be taken off the loan and my son would be responsible for his loan. Eventually, Lobel Financial a finance company contacted me about purchasing a XXXX XXXX. I told them Im not the owner of this car my son is. They said I was the owner of the car. I told salesman specifically that I didnt want the responsibility of owner of this car I explained to him that after working XXXX yrs on my job I was going to reward myself with a brand new truck. 
I would never step foot into a place like XXXX XXXX, as stated before all the vehicles had too many miles on them that salesman showed my son. I also have a verbal recorded conversation of me talking with the salesman telling him that I didnt want to be the owner of this car and he stated I would be taken off the loan after 6 month.
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I talked to the branch XXXX in XXXX Louisiana on XXXX XXXX and he asked me can I make a payment on Monday XX/XX/XXXX I stated I could come that Friday XXXX I would have a pay check he replied No so today XX/XX/XXXX I call because I missed a call and spoke with a XXXX XXXX who told me hold so she could see what the XXXX call was in reference too ; when she got back on the line she was very RUDE and stated disregard the XXXX call the next call would be from our attorney I asked her so dont make a payment on the XXXX she said No! These people call me numerous time a day XXXX or more ; they call from personal cells and all. XXXX going to pay the loan just was switching jobs and needed to pay on XXXX but the XXXX insisted I had to pay on Monday the XX/XX/XXXX. Once paid I will NEVER get a loan form Tower Loan nor would I tell anyone to patronize this company
Consumer complaint received 2023-04-26
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (TX)

On XX/XX/2023 I received a letter from Freedom mortgage informing me that the PMI would be cancelled/terminated. As of now it still hasn't been cancelled. When I contact them they have different people call me back at a later date and i have to explain what happened and they were all able to view the letter they sent me and told me that someone would contact me to clear it up. The next time someone contacted me they no longer had a copy of the letter so I sent them a copy of my letter. I have talked to eight different people and i'm not getting anywhere instead they sent me a letter telling me that I have to pay an appraiser in order for them to evaluate. I am attaching letter from mortgage company informing me that they are dropping PMI, copies of statements showing the charges and the letter telling me i don't qualify when My property value has increased to more then double of what I owe. Thank you in advance for your assistance.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CHECK CASHIERS, INC. (CA)

On XXXXXXXX XXXX i went to USA CHECKS CASHED to cash a check but they said it was too late to verify and to leave the check and they would verify it in the morning on the XXXX so they called me in the morning and said the bank needs to speak to me and to come in so i did and they took copies of the check and gave me XXXX and said they would call me on XXXX XXXX to pick up the rest of the money.They were charging me XXXX to cash a check for XXXX at first i agreed then when i got home i looked up what they are suppose to charge and i called them on XXXXXXXX XXXX and told them i changed my mind because that fee was too high and i told them i would be bringing the XXXX back to them and getting my check back cause i decided to cash it with another bank and they said it's too late they already deposited it and i told them that's not true cause the bank already had the check and i hung up. Then on the XXXX XXXX they called me and said that the check went through and to pick the money up and i said i already deposited it with another bank so i went up there to take the XXXX back and asked for my check and they said they already cashed it so i left and told them i would be back and i called the bank to see who had the check and i was told XXXX  XXXX XXXX had it, then on the same day they called me again and said the check returned and to bring the money back but my husband had suddenly died and i was distraught so i told them i would be there in the morning, the sad thing is that the check cashing place new the check returned on XXXX XXXX so why would they call me on the XXXX to pick of cash if the check already bounced and now they are trying to get me to pay them XXXX when i don't owe them anything and that is why i can't get my money.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Report Act XXXX Account: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.

This account is fraudulent account, I do not open account with this creditor.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/24 I received a message from XXXX that Bank Of America Put a Inquiry on report and that is FRADULENT I DID NOT GIVE BANK OF AMERICA ACCESS TO MY CREDIT REPORT I HAVE NOT SIGNED UP FOR BANK OF AMERICA. I WANT THIS INQUIRY DELETED I DID NOT GIVE PERMISSION AND IF IT ISNT DELETED LEGAL ACTION WILL BE TAKEN.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: VW Credit, Inc (TX)

I am writing to you, once again, with added urgency regarding a pressing matter that has significantly impacted my financial situation involving Audi Financial.

Despite owing less than {$5000.00} on my vehicle, Audi Financial has refused to provide an extension, putting me at risk of repossession. I am only behind one payment and currently in between jobs, making this situation particularly challenging.

Additionally, I want to bring to your attention that Audi Financial 's phone calls have become harassing. They are calling me about five times a day, which is excessive and distressing, especially considering I am only behind one payment.

Furthermore, when I initially purchased the vehicle, Audi Financial charged me for a protection plan. Despite disputing this charge for over two years, they have neither refunded the money nor provided any resolution. Audi Financial directed me back to the dealership, and the dealership referred me back to customer service, creating an ongoing cycle without a resolution.

I kindly request your urgent assistance in navigating these complex issues with Audi Financial. The lack of cooperation has left me in a precarious situation, and I believe your intervention could facilitate a swifter and fair resolution.

If there are specific contacts or departments within Audi Financial that could address these concerns, please guide me accordingly. I have attached relevant documentation for this matter.

Thank you for your immediate attention to this urgent matter. I appreciate your efforts in bringing about a timely resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft, someone got access to my personal information including my Social Security number drivers license number and birthdate and opened up fraudulent accounts under my name negatively affecting my credit score identity thieves opened up unauthorized accounts in my name costing me upwards of {$20000.00} in debt with fraudulent charges
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (AL)

I have been apprised of a legal action against me by LVNV Funding LLC, as conveyed through a law firm 's advertisement letter. The lawsuit documentation was transmitted to me via alacort 's website, a fact validated by the XXXX XXXX XXXX 's office. However, it was affirmed that a certified mail letter did not reach me, signifying an incomplete and inadequate service of process. In addition to the lack of proper notification, I have not received any supplementary legal correspondence pertaining to this lawsuit. 

Upon meticulous examination of the company and considering the experiences of fellow consumers facing legal action from LVNV Funding LLC, it has come to my attention that the company is reputed for deficiently informing individuals about lawsuits, potentially leading to default judgments against defendants. Not only does this legal action appear to be time-barred, surpassing the statute of limitations in Alabama, but the absence of proper and lawful service of documents is a matter of great concern. The revelation of the lawsuit through a law firm 's advertisement is disconcerting, and I assert that such critical legal matters should be communicated in a more formal and prescribed manner. 

Furthermore, LVNV Funding LLC 's consistent violations of the Fair Debt Collection Practices Act raise serious concerns, warranting a thorough investigation into their practices.
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC (UT)

Settled my remaining debt with a third party debt collector Johnson Mark LLC on XX/XX/year> for {$560.00}. They were supposed to email me a copy of my receipt, but never did and then reported that my account was not closed off and I still owed {$350.00}. This company scams people pretty bad go look at all the XXXX  and XXXX reviews.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PRONTO FINANCE INC. (IL)

In accordance with the Fair Credit Reporting act 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 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AR)

I had exhausted all my other options so I only proceeded in the mobile deposit because it said {$250.00} would be released immediately and on the XXXX the remainder of the {$1000.00} check would be released. Only to find out that no they put a hold on the check and a woman from my bank called and tried to verify but was not helped. This has put me in an emergency situation and I don't feel this is quite right. I know that it's up to the banks discretion and I truly need this to happen
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

I opened a Best Buy credit card in XXXX to buy a Washer/Dryer set with. Citi bank was the issuer of the card and only gave me a {$1000.00} limit which was not anywhere near enough nor appropriate for my credit history. 

I had no intention of using the card after such ridiculous credit limit, and I have never used the card once let alone activated it. And when I log in to my account with the bank. Zero transactions are on the card yet the bank is trying to say I have {$60.00} in collections on the card that was never used. 

This card has never been used and is not even desired because the bank didnt give any credit limit that could be useful.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXXXXXXLvnv funding LLC are debt collectors... they buy bad debts... .they have no legal standing to contact, discuss, demand, nor report anything on my credit report. They do not have the original agreement binding their Company and Myself to ANY lawful contract. They are act unlawfully, and fraudulently... posing as the original creditor.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX  with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX  XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first one is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last six months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc. (WA)

Valley empire collections in XXXX XXXX, WA has inaccurately reported collection accounts as well as amounts to XXXX on multiple occasions after notification from me that I don't believe I am the owner of said accounts and the account that I do own had been duplicated and split into separated accounts. I requested proof of original debt XXXX  years ago and was sent a spreadsheet printout from collection agency with my name listed and account numbers typed with amounts next to them .....