davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MO)

I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a Citibank account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a Citibank account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the XXXX limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.
Consumer complaint received 2020-04-30
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$330.00}
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I opened the account in 2012. The offering was XXXX miles award on XXXX XXXX after the first $ XXXX spent and XXXX miles every year thereafter. I did not see my award this past XXXX so I called chase. They claim that the bank did away with that promotion and switched to another offering. This unilateral switcharoo hardly seems legal to me. I expect them to honor the initial offering as it played a major role in opening an account with them
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

While reviewing my Synchrony Bank accounts online on XX/XX/2018, I noticed that a new Mastercard account was opened under my name which I had not requested. I Immediately called Synchrony Bank 's customer service. I was told that even though I did not apply or request this account, Synchrony Bank would be mailing the credit card by XX/XX/18, and as long as I did not activate the card it would not appear on my credit report.

I contacted Synchrony Bank via their online secured message system on XX/XX/18 to complain and have to date not received a reply.

This seems very similar to the XXXX XXXX XXXX   issue, whereby accounts are opened without customer/client authorization.
Consumer complaint received 2017-07-22
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. (SC)

My name is XXXX XXXX, and I am very upset, disappointed, frustrated and at my wits end. I am hoping to get some type of resolution regarding my complaint. First, let me start by saying if Im a consumer and you have my credit file and notice there arent any accounts pertaining to the inquiries or that they are fraudulent and I didnt authorize them, why is it that I must go through so much to have things removed from my personal credit file. The removal of these inquiries are very important to me b/c I cant acquire credit due to inquiries. Im just a mother thats trying to get a home for my kids and I. Attached you will find the order of my disputes that were sent to Equifax multiple times. I started my credit journey back in XX/XX/XXXX. I have mailed letters, I have called, I have faxed, I have disputed and disputed until I am blue in the face and havent had any luck. I made contact with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have spoken to several representatives. Back on XX/XX/XXXX I spoke with a rep by the name of XXXX and he removed XXXX inquiries for me with a confirmation number of XXXX. I received the dispute results via email and was ecstatic and then I became upset when I noticed that some of the same inquiries were still listed. I was livid. So I called, disputed, called and disputed again. On XX/XX/XXXX I spoke with 2 reps and then finally a supervisor-named XXXX-rep ID XXXX who was very rude and did not try to assist me. I spent an hour and 37 minutes on the phone with her trying to plead my case and also make her aware that these inquiries that are on my report were made while in fact there was a fraud alert and security freeze on my file. She said I needed to file a police report, to me that makes absolutely y no sense at all. I have already reached out to the companies and b/c there arent any open accounts attached to my social security number they are unable to provide me with any type of letter to assist me with the removal of the inquiries. The only thing Id like is for the issue at hand to be resolved and the inquiries DELETED. Hopefully, this time around I will get some type of satisfaction. At this point I dont know what else to do, but Id like for this to go away. Thank you for your time and please see the attachments. XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC (CA)

Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka XXXX XXXX XXXX. I, my XXXX in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/18 XXXX female states I will be at your place of employment and residence. 
XX/XX/18 ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/18 ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XXXX, XXXX from XXXX XXXX XXXX. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had 4 credit card inquires that I didn't make. National credit cards/Airlines. they are XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX, XXXX XXXX evidently turned over an unknown account to a collection company called XXXX. I have not received any correspondence from this company or phone calls. I work for a small company as XXXX XXXX XXXX XXXX XXXX XXXX XXXX., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for XXXX could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.
Consumer complaint received 2021-10-05
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. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the UNKNOWN INQUIRY listed below is still reporting on my credit report. In violation of Federal Law, EQUIFAX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting this unknown inquiry. Hereof, given all my attempts to address this concern with the bureau, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MA)

Hunter Walfield, a collection agency, has been collecting a debt of {$1900.00} from me. The original creditor is XXXX XXXX, who falsely charged me and my husband of {$1900.00}, of which {$1700.00} for not giving 60 day moving-out notice and {$260.00} for property damage/cleaning. {$1700.00} was generated as a 60-day month-to-month rental fee from the notice given day ( XX/XX/XXXX to XX/XX/XXXX ), while {$260.00} was generated based on the move-out inspection form -- {$160.00} for whole apartment cleaning and {$100.00} for dining room carpet cleaning. 

I disputed with Hunter Walfield who sent me no debt validation proof but a copy of the rental lease. I sent emails to Hunter Walfield on XXXX XXXX, XXXX and XX/XX/XXXX with a detailed explanation and pointing out that there is no statement in the lease regarding any financial penalty if the tenants not giving 60 day moving-out notice. Also, The vacate form provided and signed by XXXX XXXX Manager specifically stated that if your move out date is after the lease end date, you will be billed the month-to-month rate for any days up to and including your move out date. We moved out before the lease end date XX/XX/XXXX. XXXX XXXX still billed us the month-to-month rate from XX/XX/XXXX to XX/XX/XXXX, which is absolutely a false charge. 

I have attached photos along with the email to show how well we have cleaned the apartment before we moved out. I have also attached the move-in inspection form to show the pre-existing condition of the apartment in order to prove that there was no damage made by us while living there. 

I believe the proof and evidence I have provided to Hunter Walfield are sufficient to prove that this is a false charge and we do not own any debt to XXXX XXXX. I have also disputed with XXXX, XXXX and XXXX. Yet Hunter Walfield chose to ignore the facts and not have the collection account removed from the XXXX bureaus. After 30 days, all three credit bureaus sent me a letter with " updated '' but nothing else regarding the collection account. When I called, I was told to have to go back to ask Hunter Walfield for  the collection account removal.
Consumer complaint received 2020-04-30
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. (NC)

I contacted Experian on XX/XX/XXXX to dispute negative report made by XXXX XXXX. The closed the dispute and said it was verified. 

I contacted XXXX XXXX on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. XXXX XXXX received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to XXXX XXXX. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did Experian verify a debt without any basis of the amount owed other than a collection agency saying it was valid?
Consumer complaint received 2018-06-20
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. (MA)

I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One placed a stop payment on a close out check in error, check was sent on XX/XX/XXXX, received onXX/XX/XXXXin the amount of XXXX. They claim " expectations given incorrectly '' or similar thereof as reason for error. A replacement check was sent onXX/XX/XXXX, fraudulently cashed. I was in XXXX XXXX at the time, was not at home to receive/sign for check or sign it for cashing. Contrary to what a XXXX XXXX claims, the person whom cashed check does not live at my address and am not related. The account she mentions as linked to Capital One account I am not aware of, it is no longer linked. A XXXX requested check image be sent to me, the signature on it is not mine and as I said prior, fraudulently cashed. Capital One has my signature card on file I believe, if they check it, they will see signature is not mine. Since stop payment is an error by Capital One and thus replacement check sent which was fraudulently cashed, they need to reimburse me for lost funds which I am owed. I've attempted to reach out to a XXXX XXXX, a total of seven ( 7 ) messages left, not one returned. She claims she can not return calls when regulatory complaints are in process, it appears she simply will not return calls as none were returned even after prior CFBP complaints closed out. She continues to leave her number when she will not return calls. In closing, I will need the name of their legal counsel as well as address to mail notice of small claim suit to.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (ID)

I had my credit pulled trying to buy a new car and they stated they could not loan to me as I had not made a payment to my current lender Wels Fargo since XXXX of XXXX. I have been making regular monthly payments and when I called to ask why they are not reporting the payments they could not give me an answer just a bunch or runaround and no one is actually trying to help to get the issue resolved. This has caused my credit score to go from a XXXX to a XXXX. Wells Fargo also tried to tell me I had a past due balance of {$20.00} after I had asked numerous times when making my payments, does this bring me completely current and they would say yes, only to be told I had a balance of {$20.00} due from last XXXX of XXXX. They are committing consumer fraud with what they are doing. They are showing me as a delinquent payer and I am making my regular monthly payments. They continually place me on hold or tell me they will have someone call back in regards to this issue and no one ever calls. They just make me call and waste 2 hours of my time every day trying to get a resolution.
Consumer complaint received 2020-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion has a credit card from XXXX XXXX on my account twice. The account number is XXXX. One line shows a balance and the second time it is on the account it shows the balance is zero. The line with the balance due should be deleted. The one with the zero balance is correct.
Consumer complaint received 2020-10-13
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I filed a dispute on XXXX XXXX for 2 purchases. One purchase was XX/XX/20 for XXXX, and the second charge was on XX/XX/20 for XXXX The card was declining at the stor register on XX/XX/20 so we used an alternative source of payment for the purchases but the card was still charged.

The second dispute transaction on XX/XX/20 was an unauthorized debit feoma collection agency that did not have my permission to use that card but the charge was deboted anyway. I have reached out to my credit card company multiple times since the
original dispute date XX/XX/20 for the purchases to be credited back to

my account and they refuse to do so. I sent them documents needed via fax, mail, email and 4 agents have so emailed that department and they still have not honored my request. They sent me a statement today that still had those charges included on the balance. I spoke to a representative today XX/XX/20 that stated they need receipts for purchases.. but I did not purchase these items at all.

I am being treated poorly and unfairly and have have sent in correspondence through 6 agents, both of my email accounts, fax and email. I have done my part but they refuse to help me. I want to file a report of abuse.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was offered a Credit Card with no interest until XXXX of 2017. I was charged interest starting in XXXX of 2017. When I realized in XXXX that they were now charging me interest, I immediately paid off the card and asked for them to remove the interest charges. I 'm XXXX years old, an invalid, and my sole source of income is from Social Security. I got their card because there was no interest until XXXX of 2017.  Now they wo n't cooperate and remove the bogus interest charges. I closed the account and I plan on paying NOTHING more to Citibank. I 'm in contact with the Area On Aging 's lawyer and I am NOT paying those BOGUS interest charges.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX I tried to make a cash deposit at the citizens bank ATM which I have an account at. I was depositing {$1500.00} in cash into the atm the atm went down the screen went black and was stating rebooting. My card was given back but not my cash or a receipt. I immediately called the customer service dept who said I didnt need to stay at the atm they would open a case. The bank credit my account then a month later without notice took it back leaving me a negative balance. They are stating there was no issue with the ATM. I had gone into the bank on XX/XX/XXXX and spoke to an associate who verified she was notified the night before that the ATM had gone down. Ive asked them repeatedly to pull the ATM footage and they will not. I have gotten no help in finding my money and am left with nothing.