davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

I applied for credit card and was asked if I wished to do a promotional balance transfer prior to submitting application. I accepted and put the amount to pay off credit card balance, upon submitting application I was only approved for a lower amount in which I had no interest in accepting. I called company and stated I didn't want their offer within 24 hours. It's now 10 days or more later and I receive letter stating of a balance transfer for XXXX dollars and a fee added to it, I never authorized a balance transfer for XXXX dollars and a extra fee. The card they sent it to is now in a negative balance because I paid the card off myself. I still to this day don't have a credit card from this company and they also decided to do a balance transfer for a amount I never approved of. I called them today XX/XX/2019 and was told they're allowed to do whatever they want and charge me for it. It's also my responsibility to get them their money back according to them. Any help resolving this problem would be greatly appreciated. The letter states the last 4 digits of account is XXXX, wells fargo, XXXX XXXX XXXX, XXXX XXXX IA, XXXX. XXXX dollar transfer with a XXXX dollars on a account that is in the negative now. 

Thank you XXXX
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

LexisNexis sent an historic and unverified report to my prospective employer on XX/XX/2018 The report included 71 judgments and liens almost everyone is duplicated several times on the report and all are satisfied and released and they do not report them as satisfied or released, When I request a copy they send me a different copy showing only four liens, all satisfied, This is not fair
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-05-12
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. (GA)

This is my XXXX 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 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} AMERASSIST ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00}
Consumer complaint received 2020-03-01
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. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2018-02-27
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)

Citi closed down all the credit card accounts on XX/XX/XXXX. Four different accounts were closed at the same time. 3 of those accounts do not have an annual fee associated with the credit card. One of those accounts is a Citi Prestige Credit Card, which has an annual fee of {$450.00}. 

I had paid that annual fee as of XX/XX/XXXX. Here is the transaction record that shows up on my statement : XXXX XXXX, XXXX MEMBERSHIP FEE XX/XX/XXXX-XX/XX/XXXX Additional Details Transaction Type : Fees Posted Date : XXXX XXXX, XXXX Category : Miscellaneous Reference Number : XXXX Print {$450.00} The credit card account was closed XX/XX/XXXX. As a result, my {$450.00} annual fee was forfeited and I did not receive any of the benefits associated with the annual fee. Citi has not addressed or returned any portion of the fee. The annual fee is part of their service to the customer for benefits which no longer enjoy. 

Other corporations, like XXXX, return the annual fee since that means I lost out on the benefits throughout the year. For example. If I paid for an annual fee throughout the year for XXXX XXXX, and XXXX chooses not to have me as a customer, XXXX would reimburse me the annual fee that I paid, since they are closing my account. 

Citi is responsible for treating its customer fairly and ethically. As a result, I expect the fee ( or a prorated part of the fee ) to be reimbursed to me. 

Thank you.
Consumer complaint received 2021-08-31
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: SYNCHRONY FINANCIAL (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (PA)

I had a credit card with XXXX XXXX XXXX until I became XXXX in XX/XX/XXXX. I settled the account with the bank for a lesser amount when I had no regular income in approximately XX/XX/XXXX.

In XXXX, I was contacted by USI Solutions Inc. alleging the account was assigned to them in the amount of {$4900.00} and demanding payment.

Pennsylvania has a 7 year statute of limitations, and the debt was settled. I lost all records of the original account in a house fire in XXXX.
Consumer complaint received 2020-03-01
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-03-01
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/2020, I tried using my Comenity Bank ( Comenity ) issued XXXX  XXXX ( XXXX ) store credit card ( Card ) at the XXXX store in XXXX, PA. The purchase was declined and I was obliged to use another credit card. By doing so I earned loyalty points but not the enhanced total I would have earned had the Card been used. When I got home I called Comenity and was told because the Card was used in a different geographic area from my address there was a fraud block. I told the agent that XXXX is a mere 30 miles from my home address in Delaware and is the XXXX store closest to my home. Apologies were extended and I was told that the same problem shouldnt reoccur. 

On XX/XX/2020, I visited the XXXX store in XXXX. I successfully made a purchase with the Card for about {$100.00}. About ten minutes later I saw additional merchandise to purchase. I went to the cashier and what ensued was a more than half hour frustrating experience with Comenity fraud personnel. 

The new charge for {$210.00} was declined. I received a text message from Comenitys Fraud department. I called and long story short was asked to confirm the {$100.00} transaction and the declined transaction. I did so. I was told the decline occurred because the second transaction came too soon after the first and believe it or not, because of geography reasons, again! I was told the cashier could retry the transaction in 5 to 10 minutes. That was done - repeatedly. No success. After a half hour of waiting at a very crowded check out line I called Comenity again and was told the actual waiting time needed was 24 to 48 hours. Thus, the Card was again useless. I lost the enhanced points I should have earned and was embarrassed and unacceptably delayed - in addition to causing stress for other shoppers and cashiers - and XXXX losing part of a sale.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

I previously disputed this account on XX/XX/2023 stating : " I dont remember ever being late with a payment on this account. Please could you provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account and update it as paid on time.
Consumer complaint received 2020-03-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
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  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2020-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I was sent a paypal - mastercard debit card & i didnt ask for it - i admit i was on one of the survey websites trying to make an extra dollar & thru cookies or whatever thats how it got mailed but when i decided to activate the card it was weeks later before i decided to use it & i was " declined '' every store - i have been thru at least 6 ph # s & every girl sounds the same but has a different name the 2 men i talked to sounded the same. The card is active on paypal but not " registered '' on mastercard prepaid. Ive tried everyway to register & i get sent from 1 website back to the other, from 1 ph # back to the other. Ive had calls cut off with good connection, been bounced from 1 site to another & today i ask why the XXXX XXXX was deducted it got worse. Im hard up for $ right now thats why i only put XXXX XXXX on the card- to check them out- & XXXX  if i didnt get XXXX  out of XXXX XXXX before i even got to use the card 1 time. No matter if its paypal or mastercard/XXXX  they say the card is active but its not & this is the gods honest truth
Consumer complaint received 2021-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (KY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

I was charged a {$34.00} fee in my business bank account because a {$700.00} check was returned. The reason this check was returned was that I had ordered these counter checks from my checking account but never looked and saw how they were not from my checking account but from my business checking account. The Chase Bank folks had not printed checks for the right account. This was especially bad because they had withdrawn the fee from my checking account and I had clearly told them to do it for my personal account.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I am in debt with a clothing store, I have answered the phone calls and I have kept my same phone number the entire time. Out of no where I got a call from my grandmother who was livid about the debt. She left a voicemail which I do have as proof, I will have to find it to have the exact time and date of everything. But it is proof due to the fact that the debt collector told my grandmother of the SPECIFIC AMOUNT I OWED AND IF SHE COULD PAY IT. 

This is extremely illegal. I asked the company aka Portfolio about the situation and they couldnt have been bothered to help. They only filed a complaint. With not taking any responsibility behind it. This was extremely personal and embarrassing. I am planning on suing.
Consumer complaint received 2020-03-01
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN SEVERELY HINDERING MY CREDIT WITHOUT MY KNOWLEDGE. THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY AND I REQUEST THAT THOSE DEROGATORIES BE INVESTIGATED AND BE REMOVE OFF MY REPORT.
Consumer complaint received 2021-08-31
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: BARCLAYS BANK DELAWARE (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-01-31
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: National Credit Systems,Inc. (GA)

XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company  they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Initial disputes for 3 fraudulent charges on my Bank of America Visa card on XX/XX/XXXX & XX/XX/XXXX. 
Notified Bank of America & they resolved by crediting the fraudulent charges & cancelling my credit card & issuing me a new credit card. 
Next statement with new credit card, there was another fraudulent charge of {$200.00} for an on line purchase from one of those same companies, XXXX XXXX. 
This time when I notified Bank Of America of the additional fraudulent activity, I was told they probably gave XXXX XXXX my new credit card information which doesn't make any sense to me. They told me to contact the vendor, XXXX XXXX, to resolve even though I never dealt with them before. 
I contacted XXXX XXXX through email & she cancelled the fraudulent account that some one set up with my credit card information. She said she couldn't credit me for the {$200.00} fraudulent charge because a package was sent to me even though I never ordered or received anything. She told me to notify Bank Of America of the fraudulent charge, which I did. 
Bank of America never identified the second charge as fraudulent & even charged me interest on the disputed portion of my statement. 
The next month, I paid the disputed charge so that I wouldn't be charged any additional interest or late fees. 
On XX/XX/XXXX, I sent Bank of America a final letter advising them of this & asked to have my credit card cancelled because of this. 
I have copies of all correspondence to verify my claims.