davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (KY)

I signed up for a Costco Membership as well as a Costco Anywhere Visa Card by Citi. I registered my account but was initially unable to log in. After troubleshooting on my own for a week, I called Citi Bank and was told it was an authentication error on their side. The customer service representative I spoke to said that they reset my account and that after 24 hours I should be able to register again and then log in.

After waiting 24 hours, I was unable to reset my card. During the following weeks, I would continuously contact Citi Bank customer service and request assistance with this issue. For most of these conversations, I was told that a ticket was opened under my account to address the issue and that it should be fixed. Every time I contacted Citi Bank, I was advised to wait and try again after a certain amount of time. The second to last time I contacted them, I was told to wait a little over a week, and that I would receive an email confirmation that the ticket was resolved. 

During this time I also tried to pay off my credit card statement over the phone, and I was initially told that I was unable to do so because they were unable to find the routing number of the credit union I use. This was eventually corrected on a different call, but was still troubling. 

However, the registration issue persisted. On XX/XX/XXXX around XXXX XXXX several weeks after I first reported the issue and reached out to Citi Bank customer service, I was able to speak to a supervisor. Her name was XXXX, and she informed me that there was in fact no ticket associated with my account and that the only way to proceed was waiting 7 days to confirm my identity. At this point, my statement was due in 7 days, and she told me that I had no other options and that there was nothing that Citi Bank could do. 

This completely went against the previous information that Citi Bank had told me. The customer service that I've experienced has been the most unprofessional and unreliable I have ever experienced. Between the misinformation and miscommunication, I feel that this is a completely unreliable credit card service provider. I have spent close to 8 hours on the phone with Citi Bank customer service, and no solutions were found during this. This was not something that I did wrong, which the representatives I spoke to confirmed. This was an issue caused by Citi Bank, that they did not resolve, despite telling me it would soon be fixed. It should not take over a month and several frustrating phone calls to simply register for an account. 

I was also notified that there may be fraudulent activity on my account, but I have no way to confirm this. Even over the phone, I was told nothing. To me, this is completely unacceptable.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

The Wells Fargo location at XXXX and XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). on XXXX  XX/XX/XXXX around XXXX XXXX. The banker ( s ) refused to maintenance my account and denied access to my funds.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (ME)

Told me no because I would not give reason! 

Today second attempt, been on hold XXXX minutes but said needed reason, I told them the were a crook and finally canceled. 
My complaint is they refused to process my request to cancel account unless I provided a reason. The bank blackmailed me to provide a reason or they would continue charging {$99.00} per year.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (MS)

On XX/XX/XXXX I received an alert from XXXX that a new account had been added to my credit report. I did not apply for any new account and was baffled as we are currently building a house and we cant apply for credit right now. XXXXFortiva applied and placed a {$1000.00} credit card on my account without my permission. Ive never had a card with either company and have not used this service sine XXXX. I put in a dispute with XXXX as I dont apply to the card and suspected fraud. I called the company and asked why did they add an account I didnt apply for. He could not give me a reason but stated a card was in the mail. I never applied for the card and asked that it be removed from my record and not just closed off my credit report like I closed it because I never applied for it. I told them this had to be illegal because I did not give permission. I just dont want them to do this to anyone else. If I would have wanted a card from them I would have applied two years ago when I use their service. Please help. Thanks.
Consumer complaint received 2019-06-18
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. (TX)

I have been denied credit for the past two years since XXXX or XXXX of 2017 when I was purchasing my home. I have called on numerous occasion and even paid a professional company to assist me with updating what is reporting on my credit file due to denial of credit and loans. I'm not able to be authenticated over the phone with me being transferred 3 times due to mismatch information they have reporting on my file. I placed a freeze on my credit around XX/XX/XXXX of 2017 for 30 days and it was to be removed by XX/XX/XXXX, I attempted to apply for a credit card offer and was denied due to not having access to my credit file. They pull from Equifax. I called and after 45 minutes and two transfers, I was able to speak with an American rep that advised me I have two credit profile and it has been this way since 2017. One credit profile was at the old address I moved from XX/XX/2017 and the other is my current address. I was given 2 reference # due to the freeze was on both acct. This has been a living nightmare. 
Reference # XXXX, Reference # XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

the following accounts have been disputed on these dates for these reasons : XXXX19, XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-18
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

These companies have fail to removed these hard inquiries on my XXXX  reporting before XX/XX/XXXX and its XXXX of XXXX and most of these items still showing up as a hard inquiry
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

the following accounts have been disputed on these dates for this reason : XXXX-19, XXXX-19,XXXX-19,  Incorrect balance, the date reported, and the account type is inaccurate. 

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 U.S. Bankruptcy Court # XXXX
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MO)

I moved across country on XX/XX/XXXX. By the XXXX or XXXX I realized I had been significantly overcharged by XXXX XXXX. I contacted them on the XXXX or XXXX and was told they would make an adjustment once truck was returned. I had a trailer, truck, and cargo van. I then contacted my bank and filed a dispute. I was given credit. Today Im sent a notice telling me Im minus almost XXXX in my account, when I look to see why it says that a credit requested by budget ( there were multiple ) was canceled. XXXX never refunded my money and they never contacted me about this. This is unacceptable and basically allowing someone to steal money from me!
Consumer complaint received 2023-07-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc. (TX)

I have received 5 phone calls on XX/XX/XXXX due to a passed due account less than 30 days I advised to cease calling due to creditor harassment I was told per their policy they are to call multiple times a day until a payment is made. I received 3 more phone calls XX/XX/XXXX regarding the past due payment and was talked to aggressively by the representatives. And continued daily since receiving phone calls after advising numerous times to cease contact.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

I attempted to close my saving account with Wells Fargo Bank and they said that they could transfer the fund to my checking but that they may or may not charge a maintenance fee while the transfer is pending and advised that the only way to ensure that they wouldn't overdraft the account ( that I'm trying to close ) would be to add more funds. Which is ridiculous. I asked if I could go to a branch to withdraw the funds to close the account and their customer service advised that they could not guarantee that the branch would close the account. I requested that maybe a supervisor come on the line and the customer service agent hung up on me. I attempted to call back and I was unable to get through to another customer service agent.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (IL)

On XXXX reported not my inquires to them of inquires that were not mine Two from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX. 

On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On Experian reported not my inquires XXXX XXXX XX/XX/XXXX, and Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-18
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX  XXXX  XXXX ;
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I already consolidated my student loans and have 1 payment. The other student loans reporting are now closed and are reporting on my credit report and I don't want them on there. Experian has told me they can be there for 7 years.
Consumer complaint received 2019-04-18
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. (FL)

THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections (GA)

I visited XXXX XXXX XXXX for an XXXX XXXX XXXX. When I booked my appointment, my insurance was verified and it was understood my copay is {$5.00}. Following my visit, when XXXX XXXX XXXX file insurance claim, they changed the billing code to other than XXXX XXXX XXXX. I have informed the XXXX XXXX XXXX XXXX of this billing error, and was told it was going to be corrected I suspect insurance fraud, since the billing is not what was my visit for.
Consumer complaint received 2019-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

Today at XXXX California Time I received a call from M & T Bank stating that I need to pay {$960.00} for the month of XXXX mortgage or else I would be charged fees. I explained to this caller that my mortgage was transferred from XXXX XXXX Bank and when the transition happened I was assured by letter that my payment status quo with XXXX XXXX remains the same. I pay my mortgage every two weeks in the amount of {$960.00}. Henceforth, the payment that I made through my XXXX XXXX   Account on XX/XX/2019 is the first half payment for the month of XX/XX/2019 and that I am not late. I was told that I should have made this arrangement with them but I was assured that the transition will not affect my agreement with XXXX XXXX. I also made a telephone call before the transition and asked if there is anything I should do but was assured that if I have no changes on my mortgage it will be okey. The mortgage bank information is M & T Bank XXXX XXXX, loan XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX. I have been diligent on my mortgage payment every XXXX weeks through my XXXX XXXX Bill Pay. Although I was transferred to a customer service representative that its been fixed that I am not late and my next payment this XX/XX/XXXX will be applied for the month of XXXX I cant trust their word on this. Please investigate this. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

Several months ago, I incurred medical expenses at XXXX XXXX XXXX in XXXX, Texas. I provided an HSA account card for them to bill me monthly. I received no indication there was any problem. They made some kind of mistake and started calling me a couple of months ago about a " past due '' bill. My wife and I had to go down and hold their hands and point out their mistake which they admitted. Yesterday, my credit report reflected my only negative comment from Commonwealth Financial who apparently bought the debt. My credit score plummeted over 100 points and one of my credit card issuers cancelled my account. THIS DEBT WAS PAID MANY MONTHS AGO.
Consumer complaint received 2019-06-18
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. (NC)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX-XXXX-XX/XX/16
Consumer complaint received 2023-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NY)

Since COVID where XXXX XXXX XXXX very bad for XXXX months and still have XXXX XXXX from XXXX I had to reduce the overtime hours I worked I was out of work for XXXX months in XXXX without pay I went back to work and still find it hard to keep up with all my bills and now Im back out of work since XXXX and should be going back in XXXX and Im also not getting and pay because Im waiting on a court date for the judge to have workers comp start paying me. Also my wife is out of work due to a disability since XXXX to present she had XXXX surgeries in that time and still has not healed yet her last surgery was XXXX XXXX in XXXX of XXXX. So I was hoping for a pause in mortgage payments or a reduction to XXXX with no penalty or restructure the loan please and thanks I really would appreciate this my kids are in college and I just want them to continue their studies without worrying.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Greetings, upon checking my account I found XXXX  XXXX XXXX reporting to my profile, I do not own that account I am a victim of identity theft and my identity was stolen I reached out to the company and let them know that I was a victim of identity theft and my information was also leaked in the XXXX data breach. I might add that the information that is reporting on the account also don't belong to me and social security on the account do not match mine I have been trying to recover from this whole ordeal and need this account removed my profile immediately.
Consumer complaint received 2019-06-18
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. (FL)

Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilSep XXXX
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (FL)

Barclaycard Rewards MasterCard ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Consumer complaint received 2019-06-18
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX  XXXX  XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX  ) XXXX