davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: 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. (NC)

XX/XX/2021. Purchased an XXXX  on XXXX using XXXX - paid with my citi card. Seller would not ship item. Tried to file a claim with XXXX, they referred me to XXXX. XXXX said go to XXXX. I filed a claim with Citi cards. I have not received the item, nor have I received a refund. Citi has not yet fixed this. This is causing undue stress in these times.
Consumer complaint received 2023-01-24
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. (LA)

This is my fourth 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Today, XX/XX/2021, my Bluebird  application, website, and card ceased to function. Several transactions were declined at a car wash and at an ATM location. I reached out to their customer service number on my card at XXXX attempting to reach service but they turned their phone system off. I reached out via @ XXXX on XXXX and @ AmericanExpress on XXXX and received no information or help. This issue started around XXXX EST. It is XXXX EST. I can now access my online account via the website but my app and card still do not work. Funds were debited from my account for charges that were declined and I still can not reach customer service to resolve. This is not the first time an outage like this has happened to this institution.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (CO)

I have received a PayPal Cash Mastercard, which I have never applied for. When trying to call the number provided on the card for XXXX XXXXXXXX XXXX I am getting an automated message " that my problem can not be resolved over the phone, please send us a message and we will address it in appropriate way '' and the system kicks me out without any instructions where to send a message. PayPal website does not provide any help on the issue either. 

So, I am trying to find out why the card was sent to me, who and when applied for it in my name. And I need this card to be cancelled ASAP. 

Thank you.
Consumer complaint received 2023-03-10
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. (WI)

I have called XXXX several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (MI)

American Express is REFUSING to activate my card ending in XXXX XXXX XXXX on the front ends with XXXX and code on the back ends with XXXX ) because I forgot what email address I used to ATTEMPT to activate it when I first got it. 

I was able to, and CAN provide them with my DOB, SS #, multiple numbers on the card front and back, mailing and physical addresses, etc. But they are XXXX refusing to activate the card that I have now. 

They are running a SCAM to the extent that they are FORCING me ( and other consumers like I ) to buy another card so that they can generate MORE money from these replacement, substitute cards and start the activation process ALL OVER from scratch!
Consumer complaint received 2020-09-19
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. (GA)

I have disputed these inaccurate reporting with XXXX, XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXXXXXX Equifax is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX  account XXXX XXXX  is reporting an open date of XX/XX/XXXX, Equifax is  reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXXXXXX XXXX XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, XXXX and Equifax considered furnishers? These are not my accounts and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (IN)

I opened a business checking account with PNC Bank in XX/XX/2020. I opened the account using a promotional code that offered {$200.00} if certain requirements were satisfied. 

I satisfied the requirements and the {$200.00} should have been paid out by XX/XX/2020. 

When I did not receive the {$200.00} I called PNC bank. I spoke with a representative, who said that the promo code was not on my account. I told the representative that the XXXX XXXX should be on the account because I used it when I signed up and that I should receive the {$200.00}. She said there was nothing that she could do, but she would have someone call me. 

I have received a call back from PNC, but have been unable to connect with the person calling to resolve the issue. Whenever I call her, she does not answer. When she calls me, she does so during inconvenient times when I am unable to answer my phone. 

I just want this issue to be resolved and for PNC to honor their promotion, which induced me to sign up for the checking account.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

I have had issues transferring money only through XXXX XXXX since the spring of XXXX. Although the transactions were initially approved, they were subsequently cancelled for no apparent reason. I continued to have the same issue with all transfers attempted online. A customer service rep in XXXX told me that the transfers were denied for " security '' reasons, but refused to elaborate. Because I was unable to make the transfers online, I could only set them up online and then go to a XXXX outlet to pay for them. I did this successfully until last XXXX, when I was unable to set up " pay in the store '' transfers. I contacted the same rep of corporate resolutions, but never received an explanation for what went wrong. The rep provided promo codes that would supposedly waive the excessive fees charged in points of sale for XXXX. The codes supplied only work online and are not accepted in XXXX offices. Yesterday, I attempted to set up a pay-in-the-store transfer online and was again unsuccessful. There were no error codes provided, but I could not complete the process. I called XXXX several dozen times, and in each case was routed to a call center in the XXXX. Employees there refused to provide their location and refused to transfer me to escalations in the XXXX. Today I called the corporate offices of XXXX several times and tried to speak to a rep in Executive Resolutions with whom I had spoken last year. She did not respond to my voicemails. I tried several other numbers for corporate offices, but in all cases was routed back to the call center in the XXXX. The names of the call center employees I wrote down are : XX/XX/XXXX XXXX XXXX and a supervisor named " XXXX '' who said he worked on the floor of the call center. The person with whom I corresponded in the Executive Resolutions Office is : XXXX XXXX Executive Resolutions Specialist XXXX XXXX XXXX XXXX XXXX, CO XXXX Direct line : XXXX XXXX Fax : XXXX I also spoke with : XXXX XXXX XXXX Customer Advocate Office US : + ( XXXX ) XXXX ext. XXXX Office Intl : + ( XXXX ) XXXX ext. XXXX E-mail : XXXX westernunion.com
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

It started on XX/XX/2020. I put a pair of cowboy boots up on offer up for XXXX dollars. I was contacted by a man or woman. And happy to see that they wanted to buy them. What was kinda weird was that he wanted me to to ship them to an address in Florida. He even said he would give me XXXX dollars Instead of XXXX. So that any expenses would be covered for shipping. I thought it wouldnt be a problem to mail it out. He/she said they would send me the money through PayPal. And I had never had PayPal before so I downloaded it. Then I proceeded to send him/her a link so they would be able to send me funds. He said I dont press on links, for security reasons. So he insisted for me to send him my email linked to my PayPal so that he could send me money. I did and I receive an email from XXXX. This email gave me instructions on where to ship the boots. So I followed them and shipped the boots. So finally the email said in order to receive the XXXX dollars from the buyer I needed to provide the tracking number for the package. So I did, then to my surprise I received an email from PayPal again saying that I couldnt receive my funds from the buyer because my account was not a business user. So to make the story shorter I was asked to send PayPal XXXX out of my own pocket and I believe I was scammed around XXXX dollars. Please contact me for any more information. PayPal wont give me an agent to talk to
Consumer complaint received 2020-09-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC (LA)

Flagship Credit Acceptance did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, to whom this may concern my name is XXXX XXXX. I am unable to open a checking account due to fraud reported on XXXX about 5 years ago by Bank Of America. I have called them several time trying I get this resolved but it keep getting the runaround. My account was hacked into 5 years ago I caught it and immediately contacted the bank I did not make a police report because I didnt know who had done the customer service rep stated that it was transaction from a different location meaning another state. Any how from that I am unable to open a checking account to start my XXXX. Bank of America send me the checks that was deposited into my account but I no longer have that information. They close my personal account but not my XXXX account.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from Chase in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to Chase and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of Chase!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, Chase went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of Chase in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to Chase is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.
Consumer complaint received 2017-08-07
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the XXXX details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2.  XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) :  XXXX - Email : XXXX
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

I have sent several disputes to each on of the credit bureaus : XX/XX/XXXX Experian & XX/XX/XXXXand they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2017-08-07
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. (MD)

This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S  information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2020 someone who lives in XXXX XXXX CA used my identity to acquire credit cards with a limit of {$19000.00} from JP Morgan Chase. I do not have an account with JP Morgan Chase. I received notification through ProtectMyID. I contacted Chase to let them know it was identity theft and that I actually live in XXXX XXXX CA, 75 miles away. 

i also received notification from XXXX XXXX that the same person took out a personal loan in my name. Once we went over my personal data they realized it was fraudulent and closed it. They also sent me an XXXX report showing my complete credit history. It included the address of the fraudster as one of my addresses. The report also said re the Chase account " Account closed at credit grantor 's request ''. 

I contacted Chase ( XXXX and XXXX ). After months of getting the runaround I finally got the email address for their fraud recovery unit and sent them photos of the pages of the XXXX report on XX/XX/XXXX, XXXX i have sent them inquiries since but get an automated reply that they are investigating the claim. Not sure why it would be so difficult since I gave them all the information, including the XXXX XXXX address ( which I can not delete from my credit report until JP Morgan clears this up ) XXXX has acknowledged the fraud and has maintained my credit score at XXXX the other two agencies have it at XXXX due to the JP Morgan problem.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (WA)

On XX/XX/XXXX, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2020-09-19
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: Checkr, Inc (TX)

I am XXXX XXXX  whose account been put on hold. Well as XXXXl I am now the XXXX over the Trust of XXXX XXXX XXXX and his estate. So therefore XXXX has no right to continue to defame him on a false charge. It should be stricken from the Record cuz that account is no longer public but PRIVATE. Please remove this from the records so I can get my economic expenses back in order. I have trust, EIN Estate & Trust to prove what I am saying & I'm in the XXXX XXXX listed as a XXXX American. Thanks in advance.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I just turned XXXX and tried to fill out my XXXX application, but could n't because i do n't know the information about an alleged mortgage, car loan, student loan and credit cards i took out when I was XXXX or XXXX years old- I called the XXXX office and they said I had to take it up with Equifax , which has no working phone number to call. My mom said to fill out the credit report request but I ca n't get it because I have to know where I took out the mortgage and credit cards, etc. I tried to call the equifax customer complaint number but it was out of service. I filled out the form to dispute charges, but since I ca n't get a credit report to have details of the alleged mortgage, etc, I did n't have details of what it is I 'm disputing.