davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
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. (CA)

I am a senior citizen who had Citi Bank Master Card for many years. I always paid my balance in full all the time and my credit is also in good standing position. Today I went to grocery shopping and my card was declined! I went to second store for shopping and that was also declined which was quiet embarrassing experience that I had in my life! 
I called the number printed on the back of the card and I was told that my card was cancelled by them for inactivity! I was not aware of any thing like this. Anyway person named XXXX asked for my personal information to reactivate the card and I made sure that I do not want to pull my credit. 
After taking my information he declined to reactivate my card so I requested to talk to the supervisor in charge. I was directed to talk to the person named XXXX and I again made sure that I am not applying for new credit card and I do not want to have my credit pulled if not necessary and I do not want to apply for new credit card. 
He trapped me and took my personal information as well as my Income Expenses over the phone to reinstate the credit card. At the end he turned around and told me that they will let me know if my card gets reinstated or declined! 
Being a giant credit card company I think its not appropriate to : 1. Deny someone's credit card for nothing!

2. Get personal information and kind of reapplying for reinstating my credit card despite my denial!

3. I was stranded due to Covid-19 situation and also was unable to do my own shopping in person at the stores due to Covid-19. This not right way to treat senior citizen.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OH)

I have a bluebird account with American Express. I am unable to use the card as intended as used in the past. When transferring amount to sub account is says pending and never transfers the money. Customer service will not help. They say to try later or call back later to no avail. The phone number automatically disconnects XXXX. On phone this moment with American Express. On hold for 20 minutes. No help. No answers. No further people to speak with. XXXX at American Express actually said XXXX is not part of American Express. American Express is listed twice on the front of the card and once again on the back
Consumer complaint received 2021-03-14
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 — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-05-18
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. (MI)

I recently reviewed my credit report and I noticed there are several inconsistencies regarding the account ( XXXX XXXXXXXX XXXX XXXXXXXX ). In the balance ( HIGHEST BALANCE ) Section Equifax is reporting a highest balance of ( N/A ), XXXX is reporting a balance of ( {$470.00} ) and XXXX is reporting a balance of ( N/A ). The inconsistencies on the account are not accurate, the accounts appear to be from the exact same creditor, yet all the provided data for the account is different. 
Another Discrepancy I found on the account ( XXXX XXXXXXXX XXXX XXXXXXXX ) in the ( PAYMENT HISTORY ) section, the date XX/XX/23 is listed as charge off on XXXX, charge off on Equifax and there is no payment history listed or available at all on XXXX. 
Again, there are more inconsistencies on the account, and I ask that you remove this erroneous item from my credit report. 

Please thoroughly consider the evidence provided and remove the account as it is currently being reported inaccurately and in violation of the FCRA.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To Whom it may concern In the past couple of years I've been monitoring my credit accounts which the three so called major credit bureaus. It has come to my conclusion that they are not on the same page. I understand that there may be differences in the way the do credit reporting but the its my opinion its all a scam. At the end of the day the game has to be played. The last 2 years I've been trying to get my credit in order but seem to have issues with Transunion. The report is the same as my XXXX  account but 30 to 40 point lower. WHY! Just recently I tried purchasing a home which I qualified for and learned through my lender that when qualifying someone they'll go to the lowest score. Still XXXX. to me. Again at the end of the day the game has to be played. Question tho is this fair credit reporting. Another thing I've been witnessing with the credit reports those which can be obtained online is there is always a charge. It has been my assumption that consumers are given a free credit repot once a year. My complaint is not just because I needed to get my credit straight but because I see no true fairness if these. If the 3 are not on the same page or dam near close. I'd love to show you my reports and its an obvious concern. My complaint again is more of a concern.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (IA)

I bought a treadmill from XXXX XXXX back around XX/XX/XXXX. I have a XXXX membership I pay monthly to them in the amount of {$41.00} per month. I have set up a automatic payment to them through my bank to be sent on/around the same day every month. Back in XX/XX/XXXX my payment was a few days late due to mail service being behind due to Covid-19. In the result of being late they applied a late payment. I had tried to dispute with no luck. Ever since then my payment of the {$41.00} was sent on time. Ever since XXXX my payment of {$41.00} has been on time but they have every month tacked on another late payment and my bill to date that is passed due is {$330.00} which are all late payments. They sent me to a collection agency TD Retail Card Services back in XX/XX/XXXX and I have sent in 2 dispute letters to them and tried to resolve with no luck.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

In latter XX/XX/2020 I signed up with XXXX XXXX XXXX to help with my credit to repair it. They are doing an excellent job on removing items from my credit report. I do not have a complaint with them at all they are doing an excellent job. In latter XX/XX/2020 I felt things were at a standstill and I called PORTFOLIO RECOVERY about two of my bills that they have in their collections office. The accounts are XXXX XXXX account ending XXXX and XXXX 's last four ending XXXX. Both of these accounts are going to be three years old in XXXX. I called them to notify them that the cards were stolen out of my car and that I had a police report but they said there was nothing they could do. Right after that they added {$220.00} to the account and then they put it back on my credit report via the three bureaus. My credit score went down eighty-nine points. My question is how can you add {$220.00} to an account that is charged off and closed with XXXX XXXX but they added this amount like it was a brand new transaction. I have tried to dispute with all credit bureaus but they will not budge.
Consumer complaint received 2021-03-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX I was contacted by Bank America fraud department from texting number XXXX about 3 transactions at XXXX on my credit card. I replied to the text stating that I did not make those transactions immediately and followed their instructions to give them a call to protect my credit account. The card number was immediately closed and a fraud claim was filed for 3 transactions that totaled XXXX. Then I received a letter dated XX/XX/XXXX stating that they were denying my claim because " it is consistent with my account history ''. I have made 4 real purchases at XXXX during the whole of year XXXX not 3 purchases for the exact same amount on any specific day. I called again to dispute this claim again. Then I received a letter dated XX/XX/XXXX that once again denied my claim. This time the reasoning provided was that they confirmed that " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who permission to use the card ''. This is not true so I called again and requested to learn how they were able to confirm this and requested that they once again reopen the investigation and provide me with the evidence that they have that proves I made these purchases. Then I received two additional letters both dated XX/XX/XXXX. The first one said that " You requested the documents we used to resolve your claim, but unfortunately there aren't any to send you. '' The second letter once again told me my claim was being denied " Based on your account history, this charge is consistent with the previous charges with this merchant. I am very frustrated because Bank of America was the ones who initially were able to determine that these charges were suspicious when they sent me those text back on XXXX and reached out to me to confirm them and I confirmed that they were fraudulent. But now they are try to claim I did make these charges but won't share there evidence with me other than stating I have a history with this vendor. I like most Americans have shopped at XXXX however 4 times is not like I have a strong history with them. I have a really hard time proving I didn't do something and they have not shared anything with me that would prove or even provide any evidence that I made these purchases and initially on XX/XX/XXXX Bank of America had reasons to believe that these were not my purchases. I would like Bank of America to resolve these fraudulent transactions in my favor.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc (FL)

On XXXX-XXXX 2021 my account from Chime bank was hacked and my identity was compromised including funds linked to my credit union bank. Perpetrators used my account changed my email address and tried to transfer funds to an email account. Was able to get back my email address and close the account.
Consumer complaint received 2021-03-14
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: JPMORGAN CHASE & CO. (TX)

Upon checking my credit report, I noticed Chase listed erroneous, inaccurate items on it. On XX/XX/2021, I mailed Chase to dispute the items and requested proof ( a consumer contract ), under FACTA, that the alleged accounts belong to me to which Chase responded by stating it was unable to process my dispute because I did not give complete account numbers. Then, Chase responded to me, after initially stating it could not respond, by stating that the information is accurate, without sending me proof. I reminded. Chase that it has to send me proof under law. On XX/XX/2021 I mailed Chase Bank a second letter, this time with complete account numbers as it requested. Chase then mailed me another response stating the accounts are accurate, WITHOUT sending me proof that the accounts belong to me. In recent mail correspondence with Chase on XX/XX/2021, Chase stated that I did not provide enough information for them to conduct an investigation. The attached letters below show that I complied with their request to provide full account numbers in my 2nd round of letters sent to them. Chase is being negligent in its investigation and has illegally placed items on my credit file. Chase refuses to send me proof of the alleged debt after TWO requests. Not only has Chase, placed erroneous credit card information on my credit file, it also, according to XXXX, reported an inaccurate address on my file as well, ending in XXXX Attached are the letters I have sent to Chase.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did NOT ask to apply for this card from XXXX/XXXX XXXX XXXX XXXX. However, I was approved for the card on XX/XX/2021. I immediately called the card company on XX/XX/2021, from the XXXX XXXX XXXX that processed the application ( in XXXX, Texas ) -against my wishes and instructions -- to have the application/approval cancelled and also removed from any entry/notation on my credit report. After calling twice that same day, I was told by the 2nd Customer service person I spoke with that it would BOTH be closed as well as removed from my credit history and report. 

However, although, the account has now been closed ( due to yet a 3rd call on the next day ). 

But, the credit account was created and is STILL listed on my credit report although I NEVER requested or authorized this action.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (NE)

this usbank XXXX, this is the second time in 6 months they have disabled and locked me out of my online banking where i can not pay bills or see my accounts or withdrawal money or pay credit cards. i sign in and it disabled all my business and personal accounts so i cant see none of accounts or credit cards or loans to get in to pay bills either. im XXXX off this keeps happening. i called and the fraud dept XXXX says im locked out for 72 hours. i told them since this keeps happening probably thinking about banking with someone else not banking with them anymore cause its stressful that i cant get in to do anything with my accounts at all. there is no reason they should keep locking me out like this. i called the fraud dept and i told them im unhappy with your usbank business locking me out every 6 mths like this will go bank somewhere else with my buisness and personal account if you keep doing this to me. and im at that point now of going somewhere else if they dont get me in today and wont help me to sign in.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Rushmore Service Center, LLC (NJ)

I FILED AN FTC COMPLAINT AGAINST XXXX XXXXXXXX XXXX BACK IN XX/XX/2020, FTC FILE # XXXX. THIS COMPLAINT WAS FILED DUE TO FIRST XXXX XXXX 'XXXX FALSE AND DECEPTIVE ADVERTISEMENT TACTICS OF CREDIT PROTECTION. THE CREDIT PROTECTION PROGRAM XXXX XXXX CHARGED FOR EACH MONTH WAS IN THE EVENT OF LOSS OF EMPLOYMENT, OR NO LONGER WORKING, THE CREDIT PROTECTION THAT THEY CHARGED YOU FOR EACH MONTH WOULD PAY THE MINIMUM MONTHLY CARD PAYMENT EACH MONTH FOR UP TO A WHOLE YEAR. HOWEVER, ONCE THE COVID 19 PANDEMIC STRUCK AND SHELTER IN PLACE ORDERS WERE IMPLEMENTED FOR THE STATE OF NEW JERSEY, THE COMPANY BEGAN REPORTING DELINQUENCIES TO THE CREDIT BUREAUS EVEN AFTER ADVISED THAT I WANTED TO USE MY CREDIT PROTECTION THAT I HAD BEEN PAYING FOR. THE CREDIT PROTECTION PROGRAM WAS A FRAUD, MORE OF A SCAM IN ORDER TO GET EXTRA MONEY EACH MONTH OUT OF CONSUMERS. AND THE COMPANY WHILE ON THE CREDIT PROTECTION PROGRAM SENT OUT THREATENING LETTERS THAT STATED THEY WERE REPORTING NON PAYMENTS/DELINQUENCIES TO THE CREDIT BUREAUS. AFTER I CONTACTED XXXX XXXX XXXX CERTIFIED MAIL WITH A DISPUTE LETTER. XXXX XXXX XXXX FAILED TO RESPOND TO THEIR FRAUDULENT CREDIT PROTECTION PROGRAM. INSTEAD, XXXX XXXX WAITED NEARLY 8 MONTHS LATER FROM XX/XX/2020 AND RE-SOLD THE EXACT SAME ACCOUNT TO RUSHMORE SERVICE CENTER. AS A RESULT, I HAVE FILED AN FTC COMPLAINT AGAINST RUSHMORE SERVICE CENTER. THE FTC FILE # IS XXXX. NOW RUSHMORE SERVICE CENTER IS CONTACTING ME REQUESTING PAYMENT FOR THE EXACT SAME DISPUTED ACCOUNT THAT XXXX XXXX IGNORED ALL CERTIFIED DISPUTES ON WHEN THEY RECEIVED THE DISPUTE LETTERS CERTIFIED MAIL. THESE TYPES OF UNETHICAL BUSINESS PRACTICES NEED TO END. AND COMPANIES SUCH AS XXXX XXXX XXXX TOOK ADVANTAGE OF VIOLATING THE LAWS OF THE FTC DURING COVID 19.
Consumer complaint received 2023-08-08
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. (TN)

The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 chapter 41. 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct # XXXX balance {$1200.00} XXXX XXXXXXXX account number ending in XXXX balance {$2100.00} acct # XXXX balance {$2100.00} XXXX XXXXXXXX account number ending in XXXX balance {$320.00} acct # XXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct # XXXX balance {$10000.00} XXXX XXXX XXXX  account number ending in XXXX balance {$800.00} acct # XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct # XXXX balance {$500.00} These are violations!
Consumer complaint received 2021-03-14
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. (FL)

After more than two letters to only use my updated information, the credit bureaus have refused to delete the personal information that doesn't belong to me. 
My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX Medical Centers, XXXX XXXX XXXX XXXX, FL XXXX I am afraid of someone attempting to steal my identity from using the information that doesn't belong to me.
Consumer complaint received 2021-03-14
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: EQUIFAX, INC. (AL)

I sent in a follow suit letter to XXXX and Equifax about the XXXX XXXX XXXX collection because XXXX  removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from XXXX.
Consumer complaint received 2023-08-08
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)

The Company XXXX XXXX XXXX XXXX has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. 
This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. 

XXXX XXXX XXXX XXXX has not made one attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on two of my credit report.
Consumer complaint received 2021-03-14
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021. I received XXXX+php payment from my trade to my paypal account . Then the paypal hold my the said payment and email to my email account. Asking for the details of my transactions and also presenting my valid id. Then i give it all to settle my onhold paypal amount, paypal send a message about the review of my transactions in 3 working days.After a days paypal email me to informed that my account permanently limit and not able to do any transactions.
Consumer complaint received 2023-08-08
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)

Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks