davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Several months ago I tried to order groceries online when I was in quarantine for Covid-19. It took me HOURS to get a time slot and order the groceries. After I finally placed the order and got a delivery time slot, I received a notification that my order was canceled and I thus lost the time slot that I spent so many hours over a period of days to get. I tried calling CIti, not possible. The online grocery store customer service agent finally told me that my card didn't work. I later found out that ONCE AGAIN CIti had problems with their security and thus for at least the 10th time, canceled my credit card! Since I was in quarantine in XXXX, rather than at my house in XXXX and no one would answer the phone at Citi, I had no way to get my card. So I had to spend the past 6 months using someone else 's credit card to buy essentials. 

The excuse Citi uses for charging not only an annual fee, but an extremely high one, is that they give miles on XXXX XXXX and a free checked bag. Since I can not reach a live person, and they removed the Secure Message Center link, and only have a " live chat '' which wastes time and tells the user to call -- again the number no one answers during Covid-19, or MAIL a letter, which clearly does not help in less than a few weeks, if ever, I asked, on more than one occasion for a refund of the annual fee -- I have screen shots showing that I requested that IMMEDIATELY. There were always excuses. I did not agree to this fee, I do not pay a fee on any of my other cards, and they give me benefits that I can actually use. 

Please help, as Citi is taking advantage of customers, especially during the Covid stay at home period when people can not go to banks or stores in person. I do not like that they get away with what they do by not having a manned phone line or email. They put customers in a useless loop.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

Me and my Wife were denied the Ability to open an Bank Account because of the way we signed our Names on the Contract. We are upset because it is our God given Right to Sign our Names however we please! Their is No Law on How an Individual can Sign their Name on a Contract! This happened on XX/XX/2021 we were forced to close our accounts that same day. It also happened Again last month when tried to Open an Business Account with them Also!
Consumer complaint received 2020-04-21
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: AMERICAN EXPRESS COMPANY (MD)

I was an employee of the non-profit organization, the XXXX XXXX for XXXX XXXX ( XXXX ) from XXXX. I was laid off XX/XX/XXXX, but the company retained me as a consultant on an as needed basis. I surrendered my bank cards, credit cards, checkbooks, keys, and all other company property at this time. I notified the banks and credit card companies of my departure and gave the names of the current officers of the Board of Directors for them to speak to. I also tried to get the company to take all the accounts, including the corporate AMEX card, out of my name and into a name of one of the officers, per the bylaws and also since I was not an employee any longer. The Board refused to take the card out of my name. I have this documented in email correspondence. Since then, I have learned that the AMEX account was charged off. 

In XXXX, XXXX hired an attorney, XXXX XXXX, to manage its debts, which included the AMEX company card. We verified with AMEX that I never signed a personal liability form, and the card has always been used for company purchases. I have an email thread where he has reached out to a representative at AMEX multiple times verifying that the card was a company account and that the organization does not hold me personally responsible for the debt on it. 

The Board Treasurer and Accountant approved and reviewed all purchases, which were reported at the Board meetings, so there is documentation that the purchases have always been for the company. 

I just discovered that the XXXX AMEX card has since been charged off and reported on my credit score that I am responsible for the $ XXXX amount that was used for the company.
Consumer complaint received 2018-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

J P Morgan Chase foreclosed on my mortgage and made XXXX when it was sold and they did not give me XXXX penny. 
The address is XXXX XXXX XXXX. XXXX, CT. XXXX They ran there own bank. I sent them XXXX XXXX 3 months payment and they returned it in a refund and foreclosed. The payment was sent 46 days late so I sent them the back payment the second payment on the XX/XX/XXXX and the next months payment a month ahead.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (IL)

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 an alleged fraud or extortion.XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2021-09-21
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. (SC)

The following inquiries from unknown companies. I have no recollection of doing business with any of the companies listed below. These inquiries occurred without my knowledge and need to be removed immediately. 

1. XXXX XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XXXX XX/XX/2020 4. XXXX XXXX XXXX XX/XX/2020 5. XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

according to the Fair credit reporting act any non-public information shouldn't be furnish to any credit reporting agency without my written conscent. Pursant to 15 u.s. code 1681b permissble purpose of consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (NY)

this complaint is on XXXXXXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all XXXX bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I DO NOT RECOGNIZE THIS DEBT. I REACHED OUT TO COMPANY AND NOT HEARD BACK IN OVER 30 DAYS. THEY HAVE NOT PROVIDED ANY DOCUMENTS WITH MY SIGNATURE SHOWING THAT I OWE THIS DEBT. I DO NOT RECOGNIZE THIS ACCOUNT. PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2021-09-21
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. (TX)

Equifax is reporting 3 fraudulent inquiries on my credit file I didnt authorize. Equifax is also reporting a XXXX XXXX  Credit Card which shows as open. This account isnt open. The card for XXXX XXXX  was discharged in my chapter XXXX bankruptcy XX/XX/XXXX also attached. Please update that account you are incorrectly reporting. XXXX  received notification and can not collect on that debt further. 

The fraud inquiries are XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-10-24
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. (IN)

XX/XX/2020 the debt was paid in full. My attempts to resolve this matter with the Creditor have been unsuccessful. My payment of {$100.00} was applied to the wrong account with a larger balance and refused to resolve this account. I have attempted to resolve this with the company.
Consumer complaint received 2019-05-29
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: SYNCHRONY FINANCIAL (TX)

sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Synchrony bank sam s club XXXX XXXX synchrony bank sam s club XXXX XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}
Consumer complaint received 2020-06-01
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. (FL)

This is the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & Experian are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Consumer complaint received 2021-09-21
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. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, Equifax, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020 at approx XXXX EST, I received a call from a man who claimed he was working with a XXXX XXXX XXXX to help lower my credit rate. When I declined, he then threatened to close out the credit cards I have with Capital One. When I asked how he is authorized to do that he read off my social security number. When I repeated again that I am not authorizing him to close my accounts, he got hostile and I asked to speak to his manager. At this time he hung up.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did a dispute with transunion on a creditor name XXXX XXXX. After the investigation was completed i received a response from Transunion that it was deleted from my credit report on XX/XX/2019. However Transunion has allowed XXXX XXXX to the same accounts back on my credit report without following the proper steps by Fdcpa & FCRA .I never received a reinsertion letter about XXXX XXXX being reported on my Creditor Report prior to it being reinserted by the creditor nor Transunion . This is a direct Violation and it has damaged my credit report and affected my ability to get credit. I also have a letter from The Supreme Court Of New York State index # XXXX Notice Of Discontinuance XX/XX/2019 from the plaintiff XXXX XXXX XXXX XXXX XXXX. XXXX XXXX .I am holding Transunion responsible for what has taken place and how I have been afffected as well as I am holding XXXX XXXX accountable. I have spoken to XXXX XXXX and they said they are not removing nothing off my credit report. We have been arguing back and fourth I have no business with these people and Transunion verified it but will keep reinserting on my credit report damaging it.
Consumer complaint received 2022-08-12
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: SYNCHRONY FINANCIAL (CA)

" purchased '' boot from XXXX. I paid with Paypal. Never received the product or any communication with fraudulent seller. Paypal registered this as a transfer to Friends and family. I paid {$96.00} and no refund and never received the order and never had any communication with someone called " XXXX XXXX '' which clearly sounds like a fraud.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred XXXX $ from my checking account to my charge card through the Bank of America app.on XX/XX/19 I received a text and email on XX/XX/19 from bofa stating that my payment had posted. On XX/XX/19 I received notice that my payment had been returned. I have already filed a complaint against them for closing my checking account and they returned the payment into that closed account and I have no access to the money and now they are reporting my payment as late. I transferred cash, payment was accepted and credited, bofa is ruining my credit and discriminating against me. All this is WRONG!!!
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX years old and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help e to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm XXXX. This should be unlawful that someone can open or change an account with showing proper identification.
Consumer complaint received 2020-10-24
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: Experian Information Solutions Inc. (FL)

I never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit
Consumer complaint received 2020-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (VA)

Hello, I have never heard of the Consumer Adjustment company and have no idea of the debt that has been reported. Ive never been notified or contacted and his company has violated my HIPPA and Consumer rights by reporting false information that has not been verified by me. They have reported false information to the credit bureaus. This is not my debt so please delete from my credit report because you are hurting my score and its negatively impacting.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

Initial contact by National Credit Systems : XX/XX/2022 - voicemail || Call to XXXX  initiated by me : XX/XX/2022 - not in office || Call initiated by me : XXXX  claims to have a debt of {$8700.00} in my name, matching my birthdate. The creditor and location, a rental unit or apartment, is outside of my state of residence and the debt includes parties I am unrelated to and unaware of. Received basic details via a National Credit Systems internal ID theft form. Agent became aggressive and combative when I refused to provide personal information via the Internal ID Theft claim, call was terminated. 
XX/XX/2022 || Email to XXXX  : Subject line " Data packet request '' Written request for debt validation - No reply XX/XX/2022 || Contacted creditor : Voicemail XX/XX/2022 || Contacted creditor : Received identities of the parties on the delinquent account, an individual of the same first and last name as myself, with a matching birthdate, and his mother. None of the other details given by the creditor, such as middle name, title, SSN or even ethnicity of any parties, on the account match my identity. I was also able to find these individuals ' social media via a cursory search and verified their images with the creditor, who had access to photo identification. 
XX/XX/2022 || Call to NCR initiated by me : Agent immediately raised her voice, becoming aggressive and insisting the only course of action was the internal ID theft claim. I insisted she once again verify the social security number on the account. After a few minutes on hold, the agent claimed that information ( the debtor 's full SSN ) was not included with the information given by the creditor, then terminated the call when I attempted to provide the information given by the creditor. 
XX/XX/2022 || Sent cease contact and proof of debt letters to XXXX  po box via certified mail. 
XX/XX/2022 || Left a XXXX  review on National Credit Systems of their conduct. 
XX/XX/2022 Received a reply to contact them via their public email address. 
XX/XX/2022 || Letters were received XX/XX/2022. 
|| Did not receive Debt Validation or any other written communication from National Credit Systems . I received another call on XX/XX/2022. I sent a follow up email to National Credit Systems with regards to the lack of cooperation in resolving this issue, and their lack of compliance with FTC and FDCPA. Following that was a delinquent report on my credit via XXXX and XXXX as of XX/XX/2022, and the debt was listed as a cosigner. 
|| Currently contesting the debt with XXXX.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo XXXX # XXXX. 
On XX/XX/XXXX an unauthorized wire transfer for {$24000.00} was made out of my checking account. Wells Fargo contacted my wife and asked if we initiated the wire. We told them we did not and to not allow it to go through. I was assured it wouldn't be an issue. The following day I logged back into our account and the money was gone. We contact Wells Fargo and filled the claim listed above. They told us to give the fraud department 10 business days. After 10 days I received a letter from Wells Fargo saying our claim has been closed. I will provide a copy of the letter.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Im Seeining on my equifax theres has ben an Inquire From XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX would like to be removed its FRAUD