davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

This complaint is related to : 1. Complaint # XXXX and 2. Compliant # XXXX Citibank 's responses to the above compliants : 1. Show that Citibank opened a new account after they waived all charges on the old account because Citibank acknowledged that old charges were fraudulent ; however, Citibank : ( a ) did not show XXXX XXXX knew that a new account was opened or that he authorized that a new account be opened ; ( b ) Citibank sent the XX/XX/XXXX monthly account statement to a XXXX XXXX, FL address which is not an address of XXXX XXXX. 

2. Show that the monthly statements for XXXX and XXXX, 2017 were sent to XXXX XXXX 's correct home address in XXXX XXXX, FL ; however, XXXX XXXX never saw those statements because : ( a ) he moves to his XXXX, NC home in early XXXX each year and ( b ) as reported to the U.S. Postal inspector ( by the local carrier ) and the XXXX XXXX XXXX ( FL ) XXXX XXXX, XXXX XXXX 's XXXX XXXX and XXXX XXXX statements were stolen. 


3. Show that purchases were made at XXXX XXXX  stores in XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX, FL and XXXX XXXX, CA. None of these locations are near to XXXX XXXX 's XXXX XXXX, FL and XXXX, NC homes. 


4. Show that online payments to the credit card were made from XXXX IL. XXXX XXXX does not live in or has financial accounts in XXXX Il. 


Obviously, XXXX XXXX is not financially responsible for the fraud committed against Citibank. Furthermore, an Experian Credit Report dated XX/XX/2017 showed a long list of fraudulent addresses and fraudulent accounts which were quickly removed at XXXX XXXX 's request and the request of other financial institutions. Perhaps, Citibank should be advised of these facts so they can complete their investigation.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

When I looked up my credit report on XXXX, I noticed these accounts were in collection. Two accounts went to this agency. Below I describe all the details I know but I'm also going to have them verify this debt with a letter requesting more information.

Account Name : Overton Russell Doerr Open Date : XX/XX/XXXX & Open Date : XX/XX/XXXX Balance : {$250.00} Balance : {$590.00}
Consumer complaint received 2023-04-06
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OH)

My husband and I opened up a Wells Fargo credit card account. we wanted to see how much credit we can get in order to get 0 % interest on a balance transfer from my husbands high interest XXXX  credit card ( card is only in his name ). When we got approved, we were notified that the amount we are approved was {$4000.00}. We decided not to go through with the card. ( no information was given regarding my husbands XXXX credit card. On XX/XX/2019, We were checking our accounts and realized that there was a payment of {$3600.00} made on my husbands XXXX card. We called XXXX and asked if they can tell who made the payment on the account because we didn't make any payments. They were not able to tell, they ended up reversing the payment. As soon the payment was reversed, we noticed a payment of {$3600.00} made on my XXXX credit card that is only in my name. I called XXXX again and they were able to find out who made the payment. I was informed that Wells Fargo did a balance transfer to their credit card without my authorization. Not sure how they were able to get both of our credit card numbers.XXXX is refusing to reverse the payment and Wells Fargo is not requesting to have the payment withdrawn.
Consumer complaint received 2019-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/2019 Experian Issues unable to Resolve or Contact anyone. 

For the past 2.5 weeks beginning on XX/XX/2019 I have made multiple attempts. 
Online 7 times and 3 times by phone. Got nowhere but blown off and confused. 
I am attempting to unfreeze my Experian report for 24-48 hours to allow XXXX XXXX XXXX XXXX to complete their ( XXXX XXXX 's ) profile on me so that I can join and open account. Froze Experian " account '' because of their recent breach. Enough already. I go online and am denied access given form letter to print out requesting PIN. 
That was 14 days ago so I go back on Experian site figuring they must have figured this out by now. Was asked online to choose a PIN I choose PIN Experian accepts my choice. And low and behold it does not work error message is " Invalid PIN # ). I go to XXXX XXXX XXXX XXXX with the PIN # asked if they could assist me they tried to enter my PIN in my presence with my permission. Error Message same. I called your agency got phone number for Experian XXXX correct #. Asks ton of ID questions you have to leave voice message and NO ONE calls back. This is nuts it my Credit Report based upon my history. Experian owns the data can I disenroll from Experian or bill Experian for sharing my info. with the world everyone except me?? 
What recourse do I have? Please help me I just want to open a Credit Union Account this is horrible customer service ( actually 0 customer service ) and 100 % big business info. sharing benefiting everyone but me. Experian also said in Robovoice on my 3rd call that its notifying the other 2 reporting bureaus XXXX and XXXX  of fraud and will put a 6 month alert on those also. I didn't ask for that? Then 2 other of my accounts XXXX and 1 financial institution detects this Experian Fraud Alert and contact me telling me to change my User Name and Password because its blocked. Hows that for a kick in the _ _ _. I don't know whether to cry or scream. Please help.
Consumer complaint received 2019-09-26
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. (FL)

I have tried numerous times to have incorrect late or payment off this report. I have already proven my innocence to XXXX and XXXX, also to a collection agency and made numerous attempts to clarify with equifax. I was also part and victimized by Equifax negligence in their infamous breach and I was affected negatively. I have been accepted into the class action lawsuit. If XXXX and XXXX have both accepted and acknowledged this incorrect info and removed it, then why does equifax refuse to abide by the law that they must also if the others saw this mistake? I have already made a complaint about equifax and they still refuse to correct this info. My legal rights are being denied. This is negatively affecting me, my life, and my credit reporting. I would like them to correct this once and for all and to please abide by the laws and correct this wrong and defaming information they are providing to others about my credit.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with XXXX XXXX was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XX/XX/XXXX, which was promptly done. XXXX XXXX account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with XXXX XXXX, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with XXXX XXXX to not report this to credit bureaus - Received call from XXXX XXXX customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX  and Transunion in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and XXXX XXXX XXXX XXXX XXXX Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
Consumer complaint received 2022-03-30
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: CLGF Holdco 1, LLC (CO)

I used the credit card that you issued to me under Milestone MasterCard on the following charge to the XXXX hotel for XXXX rooms for our reservation for a total amount of {$590.00}. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Total Balance {$680.00} due date XX/XX/XXXX Payment {$150.00} Total Balance {$540.00} due date XX/XX/XXXX Payment {$50.00} Total Balance {$630.00} due date XX/XX/XXXX Payment {$150.00} No XXXX statement Total Balance {$230.00} due date XX/XX/XXXX Payment {$290.00} XXXX cancelled my room reservations and received a refund back to the card from the XXXX hotel which was done in XXXX and is listed on the transactions below resulting in a credit of {$590.00} on the card with a XXXX balance. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX Total Balance $ XXXX due date XX/XX/XXXX I contacted your card company at that time and requested that my credit be issued to me and was told that I would be issued a check. Since that time I have called every month asking where the check is. There was a cash advance done against my card see the reference number below showing where you took the money off my card. I have never received a check. The last time I called was XX/XX/XXXX and was told that the supervisor was doing an investigation and I would hear within XXXX to XXXX business day the results of the investigation and I would have a check in hand by XX/XX/XXXX. None of that happened. I contacted your company again today and spent XXXX minutes on the phone most of which was just being placed on hold and then eventually I just hung up because nobody was picking up the phone anymore with the same excuses and platitudes. I need to have action on this immediately. 

Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NY)

Key bank had reported late payments to my account for my credit account ending in XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NV)

On XX/XX/2018 when I purchanced a XXXX XXXX XXXX XXXX XXXX # XXXX ) from XXXX XXXX XXXX XXXX XXXX for the amount of {$24000.00} It's financed through Westlake FIncancial Services. I was given ( 2 ) contacts with different amounts {$24000.00} with a down payment of {$3500.00}. After pulling out the lot I noticed the check engine light on I immediately turned around and informed XXXX XXXX ( the General Mgr ) of this, I was informed to bring the car back in the morning and it will be fixed because the repair shop was already closed. There was nothing done the next morning and after returning several times and emails and talking to XXXX saying I have to take it to the dealer because they can't fix it. Only getting frustrated I explained to XXXX XXXX, XXXX and XXXX ( whom she brought out the 2nd contact with my signature forged ). I told them on several occasions that the car was not safe. I took it to a certified shop only to find out that the car have over {$10000.00} worth of damages.In that report this car has been in an accident with front end damage and has been rigged to appear as if the car is repaired. I was sold a lemon and this same car with the same vin number has been financed through Westlake Financial Services.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (MA)

This company, now acting as Pioneer Credit Recovery , Inc, but still the same Navient we have REPEATEDLY filed complaints against just called AGAIN this morning looking for someone who DOES NOT LIVE HERE to collect some debt. We do NOT owe these criminals anything. We have told them REPEATEDLY to stop calling. We have filed complaints with the XXXX and AG 's office, and were told the calls would stop, yet they continue. I don't know what the heck it's going to take for this company to finally, ONCE AND FOR ALL, be put OUT of ours and the rest of the public 's misery. They are CRIMINALS. They are a FRAUD and a SCAM. They serve ZERO legitimate purpose other than to annoy and harass people. DO SOMETHING ABOUT IT!!!!!
Consumer complaint received 2019-05-03
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: Bread Financial Holdings, Inc. (GA)

XXXX XXXX obtained copies of my credit report on XX/XX/XXXX and XX/XX/XXXX without my permission. I did not authorize use of my credit report.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I was the victim of identify theft between XXXX. I discovered someone had open a account using my information and reporting to the police and the account was removed from my credit report. About a year later I discovered the same person had opened up about 10 accounts in my name using a different address and paid on the accounts. She abruptly stop paying the bills in XXXX. There was a police investigation and I completed an Affidavit of Identity Theft. I contact all the creditors and the accounts were removed from my report and I was not liable for any of the charges. Two years later in XXXX I starting getting collection calls and bill from XXXX XXXX XXXX saying owed XXXX XXXX {$1000.00} and {$380.00} for account I open sometime in XXXX.. Both of these account were opened fraudulently. I contacted XXXX XXXX XXXX and they removed it from my credit report and I was not liable for the charges. Somehow these charges fell thru the cracks and was charged off and sent to XXXX XXXX XXXX. I have tried for three years with Experian to explained this was a fraudulent accounts and they just keep verifying as mine. The last time I sent the police report and the Affidavit of Theft they put a fraud alert on my account which is pointless now the fraud took place in XXXX. They sent me a credit report stating the two XXXX XXXX XXXX accounts do not appear on my credit report but they do ( see attached ). The problem is they never read my letters they just verify the accounts are mine because the person used my social security number, name and date of birth. When I contact XXXX XXXX now they can not help because they sold the accounts. I do not know what to do can you help?
Consumer complaint received 2019-09-26
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. (WV)

I contacted Transunion about being a victim of their inquire issues. There are hard inquires put on my credit report that I have no knowledge of, nor did I give my consent. 
Section 6 11 states " Anything deleted then reinserted, needed to send a letter by mail within 5 days '' and I never received any letter or notification. Customer service wouldn't fix these issues. 
Hard inquires 1. XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2.  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7.  XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I expect to get these hard inquires all removed within 30 days. This is an insane amount of hard inquires i did NOT make, nor approve of. These are all a mistake and was added to my credit when they shouldn't be. These hard inquires are affecting my score negatively.
Consumer complaint received 2019-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I saw a nice pair of shoes online and texted the XXXX page. He said right after I pay him he will send me a confirmation mail and mail me the shoes. Right after I paid the merchant he stopped responding to my texts and calls and isn't sending me any mail. Please help me with this scam .please look into it the date was today XX/XX/XXXX by the XXXX page called XXXX handled by this man called XXXX XXXX
Consumer complaint received 2019-04-03
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: BB&T CORPORATION (MD)

Regional acceptance corporation has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX
Consumer complaint received 2019-09-26
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. (PA)

The account XXXX DEPT ED ACCOUNT NUMBER XXXX is reporting inaccurate Balance owed, Dispute Status, last Payment, and Past Due Amount. These entries are all inaccurate. Delete this file immediately.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (OK)

Allied Collection Services of Nevada is reporting that I owe XXXX {$510.00} when in fact, in do not. 
They reported this to the credit bureaus when don't even own the debt, XXXX, whom I settled the debt with, as XXXX advised me to do since they knew that I did not even owe them the money, but since they turned me over to a collection agency, all they could do was to tell me to settle with XXXX for less, and I did. 
I sent Allied documentation showing they are reporting this error, but they want to give me the run around! 
The documents included the receipt showing I paid XXXX. 
I want them remove this error from my credit bureaus.
Consumer complaint received 2019-08-25
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: AMERICAN EXPRESS COMPANY (NY)

I changed my amex credit card because a fraudulent act so they send me a new one. But they let 2 different vendors even if they have the wrong card number charged my account without my consent. It was XXXX in XX/XX/XXXX for XXXX $ and also XXXX on XX/XX/XXXX for XXXX . They also try to call me on Sunday XX/XX/XXXX at XXXX totally out of legal hours