davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On or about XX/XX/10 we found a charge on our credit card that we did not place. 

Upon contacting Citi card, they first alleged that we would have to lie and report the card stolen to get the charge removed. We handed that over to the AG in their state. 

Then Citi group closed and canceled the card and reissued a new card and account number. They stated ( in chat ) that the charge would be removed in 3 to 10 days as they investigated.

Thus far we have had 3 interactions with Citi card and they will not remove the charge. 

In our opinion, Citi group is in coherts with the company ( whomever they are ) that placed the charge. Now Citi group is  charging interest on a charge we never made. 

Cit group has also refused to close the account. 

The original card number the charge was issued on and account has been closed when the new card issued ended in XXXX.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (FL)

Negligence when it comes to an investigation Experian Rep stated that they dont do a real investigation they report whatever information a company is so call stating which isnt fair as a consumer. Whats the purpose of the FCRA if Experian isnt following protocol with removing inaccurate and wrongful information. My rights has been violated.
Consumer complaint received 2023-03-02
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. (CA)

I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC PREMIER BANCORP, INC. (CA)

The essence of my complaint is that my CONFIDENTIAL account information was provided by PACIFIC PREMIER BANK to an outside, unrelated third party which caused a deposit of funds into my account that were not mine. 

Following this, the problems ensued trying to return the money to the rightful owner, which rather than facilitate the return, Pacific Premier Bank made the situation worse and delayed the return of funds for nearly one month. During this time, Pacific Premier Bank froze my business banking checking account and prevented access to my funds. 

This was compounded by the gross negligence of illegally freezing my account for three weeks! 

After this experience, I moved to a different bank and incurred costs for the change to a less desirable bank that is further from me. In addition, I incurred {$1300.00} of costs ( {$1000.00} legal expenses ) to resolve this matter.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$660.00}
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft.

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information.

In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$6500.00} Balance Updated : XX/XX/XXXX Original Balance : {$3800.00} Highest Balance : {$6500.00}
Consumer complaint received 2023-03-01
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: BMO Bank, N.A. (IL)

There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : BMO Harris- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-28
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: SYNCHRONY FINANCIAL (NY)

My pay pal account was hacked by a developer who I asked to make me an app. They asked for so many credentials to use for the development of the app and pay pal was used to receive payments. However they used my pay pal account to make A lot of transaction, and changed my password. First transaction was on XX/XX/XXXX for {$1800.00}, seconds was XX/XX/XXXX for {$990.00}, third was XX/XX/XXXX for {$870.00}, fourth was XX/XX/XXXX for {$1000.00}, fifth was on XX/XX/XXXX for {$870.00}. The first 3 transactions were done more than 6 months ago so I couldnt dispute with pay pal but i did with my credit card provider. I called pay pal after they declined my case as I didnt receive any items. They refused to help and told me to contact the credit card provider. So I did and put a claim on the fraudulent transactions. Still waiting for results because they wont refund anything until 6 months of investigation has passed.
Consumer complaint received 2019-07-28
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. (NY)

Last year in 2018 I filed a complaint in regards to Equifax Credit Reporting Agency. It has blown my mind that a company that does credit reporting and can make or break a consumer would not investigate a claim that was a past due account and is actually mine. I submitted documents that came straight from the apparent company claiming to have a loan in my name. There is not one signature, the address used I never lived at or on my credit file and there is no proof it was actually me. XXXX and XXXX who are the leaders in credit reporting and not being hacked by data breaches sided with me also and removed the fraud account from my credit file but yet Equifax with a blemished record can't see this nor investigated correctly and removed the account. There is not one thing signed on this apparent contract, no drivers license, nothing. I have disputed this account with them directly and got no where. Please look at this information yet again. It is beginning to show me why XXXX and XXXX and the leaders in credit reporting and why creditors only use them.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My brother died on XXXX XXXX, XXXX. He had an apartment in the District of Columbia. I am my brother 's last surviving kin and also the Personal Reprentative of his Estate in the DC Probate Court. I was not named the Personal Reprentative until XXXX, at which time I began trying to get through the process of Truist Bank 's Morgage Department to take over the loan. I learned from my brother 's credit report that despite being advised that my brother had died ( after I sent them his Certificate of Death ), on XX/XX/XXXX, Truist Bank closed my brother 's account and began the process of trying to Forclose. They would not communicate with me for months, despite my calling over 20 times, submitting all of the necessary paperwork, and trying to make payments. Then, in XXXX, they informed me that the apartment would be scheduled for a Foreclosue Sale. They finally gave me the name of the " XXXX XXXX XXXX '' that I needed to contact to deal with the situation. They forced me to make the payment below on XXXX XX/XX/XXXX, which I did. 

Payments : {$14000.00} Late Charges : {$740.00} Total : {$15000.00} Corporate Advances : {$1100.00} Title Costs : {$170.00} Attorney Fees : {$960.00} I was told the loan would be " reinstated. '' Its been almost two since I made the payment to reinstate the loan. I tried making a payment on XXXX and XXXX XX/XX/XXXX. On XXXX XXXX, I was told it had be reinstated by the Mortgage Loan rep, but that it still had to go through additional processing. On XXXX XX/XX/XXXX, I was told it was back in Forclosure. 

If Truist Bank is doing this to me, I believe they must be doing to others. When people lose a loved one, they want to grieve. I still have not been able to do so, because Truist Bank is trying to steal all of the equity that my brother paid into the loan. Please help.
Consumer complaint received 2019-07-29
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. (IA)

There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX  : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Im being charged by XXXX XXXX {$5800.00} for an apartment I never rented. They have now given the duty to collect to National Credit System. I have never even been here they are saying I signed a lease online which I believe is not correct. I have never even been there. Its been on my credit since XXXX. Please help me get this off because I havent done business with them.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (FL)

I have contacted money lion multiple times explaining to them that there has been an account opened in my name and that someone is using my social security. They keep transferring me to fraud where I sit on the phone for hours and then Im guessing their hours prompt them to close which ends my call and puts me back at square one. Ive contacted my bank about suspicious charges from Money lion services instacash and Ive had those services disputed. There has now been a 1000 dollar loan withdrawal from my XXXX XXXX account from money lion services. This account needs to be shut down immediately and all charges disputed.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Portfolio Services, LLC (TX)

In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from XXXX ref # XXXX as well as Orion Portfolio Services ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from TSI ref # XXXX as well as XXXX XXXX XXXX ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Schreiber Law LLC (MA)

The questions asked on previous page don't apply to this situation, but had to fill in something to move forward. 

Schreiber Law , LLC ( Debt collector ) for XXXX XXXX XXXX. filed small claims against me XXXX XXXX in XXXX XXXX XXXX, hearing date was XX/XX/2022 at XXXX Docket # XXXX. The judgment was in MY favor., so I have called many times and sent letters informing them of Judgment in MY favor but they, gave my the run around saying I had to call original creditor ( XXXX XXXX  ) although XXXXXXXX XXXX continues to update and report it on all 3 Credit Bureaus XXXX
Consumer complaint received 2022-09-25
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. (TX)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint.
Consumer complaint received 2023-02-28
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: AMERICAN EXPRESS COMPANY (MI)

Browsed the XXXX XXXX website to plan a trip. Upon selecting a flight, day and time, an offer for a {$200.00} statement credit appeared from American Express on the XXXX XXXX website. On XX/XX/, spoke to XXXX XXXX representative confirming the American Express offer was legitimate. XX/XX/ XXXX  called American Express and applied for the American Express XXXX XXXX XXXX XXXX credit card to use to purchase the airline tickets through XXXX XXXX to receive the {$200.00} statement credit and was approved for the credit card. XX/XX/ booked the flight through XXXX XXXX using the American Express XXXX XXXX XXXX XXXX credit card as required in the American Express " Terms and Conditions ''. XXXX XXXX XXXX received the statement from American Express which did not reflect the {$200.00} statement credit. XX/XX/XXXX  called American Express who issued a claim number, and they stated the matter would be reviewed within 7-10 days. XX/XX/XXXX  called American Express to check the status of the claim and was informed it would take until XX/XX/XXXX  for a determination. The American Express payment is due XX/XX/XXXX  The payment will be made to American Express by XX/XX/ to avoid any late payment or interest charges.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have disputed with Equifax numerous times with no resolve. These accounts incorrectly show as deferred. These accounts, i am no longer liable for due to debt forgiveness. These accounts should be reflected as XXXX balance, XXXX owed, and not deferred. 
US. Dept of Education Acct # XXXX {$33.00}, XXXX US. Dept of Education Acct # XXXX {$13.00}, XXXX US. Dept of Education Acct # XXXX {$45.00}, XXXX
Consumer complaint received 2022-09-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-01
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. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.