davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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: DISCOVER BANK (IN)

Discover Card sent me a promotion in the mail for 0 % interest for 14 months on {$4000.00} dollars. After I got the card, they began charging me interest. I spoke with them numerous times and they just said their records show an interest fee. That's it. They just get away with false advertisement and go on. I'm paying off the full amount and will never deal with them again. They are a scam company big time and don't care.
Consumer complaint received 2020-11-23
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. (FL)

In XX/XX/2020 I purchased airline tickets for my family and I to take a vacation in XXXX. I used two vendors, XXXX XX/XX/XXXX and XX/XX/XXXX via a broker named XXXX. Prior to the flights I tried to cancel with the airlines due to Covid, but they would not make any changes due to Covid. On the day of my flights the airline told me we could not fly due to a ban on US travelers going to XXXX. Upon the airline failing to take my family and I to XXXX I disupted on my credit card. Citibank is my card company and they did absolutely nothing to assist me in the dispute. At each turn they failed to objectively look at the dispute and ended up charging my card for {$4500.00} of flights that I did not use. Citi would put me on hold for hours at a time and fail to return phone calls. In the end Citi 's negligence in handling the dispute caused them to lose the chargeback and they have since billed and I have paid the {$4500.00}. This should be wrong yet no one at Citi will do anything except off a " were sorry '' {$250.00} credit.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I use XXXX for investing and saving for the future. I essentially use it as my savings account. I have had my PNC account linked with XXXX  for almost two years now. This has happened twice before, where PNC has not allowed me to link my account up with XXXX. I have called numerous times, and they give me some reason why it can not be done, and eventually goes back to normal a few days later? Well it has happened again, and I am not sure for what reason. I've heard the entire fraudulent activity script but come on now. I have been making money transfers to XXXX  for two years now. I am growing angry with having to repeat this process of being able to relink my account every year for an investment service I have used seamlessly and has not given me any issues.
Consumer complaint received 2021-04-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (TN)

In XXXX of 2019 ford changed their online payment center and didn't notify me. This caused my payment to be submitted late due to me traveling abroad. I was never late prior to after and would not have been late if ford had not done with or notified me I would have to set up my payment in the new account. I would like this 30 day mark removed from my credit report
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

XX/XX/2018, CCI together with XXXX XXXX placed a collection in my name for {$68.00}. I did not have utilities with this company. I am unable to validate this debt & have reason to believe it is FRAUDULENT. This debt does not belong to me.
Consumer complaint received 2019-10-22
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. (FL)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (DC)

AARGON AGENCY INC # XXXX has listed a collections request on my credit report and I do not owe the amount listed. This is severely affecting my ability to obtain a mortgage. 

I have contacted both Aargon as the collections agency as well as the original landlord XXXX XXXX XXXX to dispute these charges several times. 

I do not owe what they say I owe and I would like this collection removed from my report. This is fraud. 

According to my lease the maximum I could owe if I did not provide notice, which I did in fact do, would be one months rent. My lease was for XXXX $ a month and they are claiming that I owe XXXX XXXX 

I was advised by XXXX  to file a complaint with the CFPB. 

Thank you
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  I, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (PA)

I just called again- after waiting on hold for 15 minutes and providing all my information- including reading back a code they sent to the mobile phone associated with my account- Citi refuses to give me access to my money.
Consumer complaint received 2018-09-20
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: BARCLAYS BANK DELAWARE (CA)

My dad filed fraud report with Barclay Bank Master Credit Card. He added me as authorized user long time ago so at least I can manage his account but I never received the card ever since. I called the bank as my dad is XXXX and doesn't speak English well but the bank was giving me hard time and only wants to talk to my dad. Therefore he provided Power of Attorney. I went to police station with Power of Attorney to file police report for my dad but got rejected since I have no statement to show what accounts were fraud charges. The bank blocked online access so we can't go online any more and we don't receive paper statement. 
Make long story short, Barclay Bank did not investigate properly as I seen most of charges were occurred in out of Country. As matter of fact my dad can not drive or fly as he is XXXX  and their investigated time was not long enough to verify those unauthorized charges. If they were willing to investigate I am sure they would take this matter seriously and investigate detail by contacting merchants to collect cctv footage. The bank didn't do anything but leave those fraud charges on my dad 's account as he's too old to take this matter further.
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I moved in XX/XX/XXXX. I made numerous notifications to XXXX XXXX / Chevron regarding this change of address and subsequent transition to a new email address. In XX/XX/XXXX, I closed the account due to the inability of XXXX XXXX / Chevron to accommodate these changes and properly notify me of any monthly dues in the form of a statement ( both US mail and e-mail ). I closed the account in XX/XX/XXXX and recently discovered that XXXX XXXX / Chevron retaliated against me for this closure and reported a 30 day late on XX/XX/XXXX. This revengeful act occurred because my last few conversations with XXXX XXXX/ Chevron were unpleasant. I have contacted them regarding their intentional maliciousness against me an entire 3 months after the account was closed.
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (TX)

My credit was ran without my permission I have text messages and proof that my information was illegally ran and they still wont fix the issue. XXXX should not me on my inquiry this is fraudulent I didnt give them permission to run my credit I want it removed
Consumer complaint received 2020-07-07
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: CITIBANK, N.A. (CA)

I am contacting you regarding 30- and 60-day derogatory marks that appear on my three credit bureaus reported by Macys DSNB XXXX and XX/XX/2020. 
I dispute these and demand a full removal of each 30- and 60-day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. 
Prior to the missed payments, I attempted to contact Macys regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Consumer complaint received 2020-07-07
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK (CA)

MY ETRADE CHECKING ACCOUNT WAS CLOSED WITHOUT MY PRIOR AUTHORIZATION. MY ETRADE CHECKING ACCOUNT WAS FUNDED DIRECTLY BY MY HARD EARNED SOCIAL SECURITY BENEFITS VIA DIRECT DEPOSIT AND I HAD NO WAY TO PREPARE FOR MY ETRADE CHECKING ACCOUNT BEING CLOSED. I HAVE COMMUNICATED WITH ETRADE AND HAVE BEEN UNSATISFIED WITH THE RESPONSE. I WAS TOLD BY XXXX XXXX, XXXX UTAH OFFICE VIA PHONE CONVERSATION XXXX/XXXX/17 THAT THE ACCOUNT WAS CLOSED AND A CHECK WAS ISSUED NO. XXXX IN THE AMOUNT OF {$5500.00} BUT I NEVER RECEIVED THIS CHECK. LOSS OF THIS MONEY GOT ME EVICTED FROM MY FORMER RESIDENCE. I FEEL ETRADE IDENTITY THEFTED ME BECAUSE IT CLOSED THE ACCOUNT WITHOUT ALLOWING ME TO WITHDRAW ANY FUNDS AND I HAVE BEEN SUFFERING WITHOUT THIS MONEY FOR QUITE SOME TIME. I AM A SEVERELY XXXX SENIOR AND THIS IS QUITE UNFAIR HOW ETRADE HAS HANDLED MY CHECKING ACCOUNT WITH THEM.
Consumer complaint received 2020-07-07
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. (TX)

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD VASH, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX  sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA (ME)

I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original FedLoan account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

Loan Depot LLC ( XXXX ) Loan XXXX XXXX XXXX XXXX # XXXX is violating ethics codes and committing fraud. He claims in his social media, lXXXX XXXX and verbally tells his customers he has a finance degree from XXXX XXXX XXXX XXXX. Representing himself as a very educated financial XXXX. In fact XXXX XXXX has never attended any secondary XXXX XXXX  This is a violations of lending ethics codes and is a blatant act of fraud against the consumers he services. Loan depot obviously did not perform a thorough background check. This man should be delicensed by XXXX so he can no longer prey on customers with fraudulent credentials.
Consumer complaint received 2020-07-07
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. (CA)

I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to Equifax, XXXX, and XXXX. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.
Consumer complaint received 2020-05-23
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: EQUIFAX, INC. (CA)

I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX  : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active XX/XX/XXXX
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (MS)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Good afternoon, im contacting you in hope to get your help and resolve my issue regarding paypal service simply im left helpless. 
on XX/XX/XXXX i did order a Refrigerator Ice Bin and paid {$43.00} with paypal account then the next day i did receive a paypal email with shipping # confirmation, after checking that shipping # i got surprised, it was an expired usps shipping # belong to an order which was delivered on XX/XX/XXXX my order was made on XX/XX/XXXX, then i did contact the seller through his website and personal email meanwhile i did contact paypal and opened a claim as SUSPICIOUS ACTIVITY explaining all the details that is impossible to me to receive on XX/XX/XXXX an item i did order on XX/XX/XXXX? simply i believe this website XXXX XXXX XXXX is a scam. paypal suppose to contact the seller then send me the full refund because i know that im not receiving my order since it is considered delivered on XX/XX/XXXX. 
this is the shipping tracking # you can check it out yourself, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the very next day i received an email from paypal telling me my claim was closed and there is nothing suspicious! since then i couldnt contact paypal through my account also paypal phone is down. 

i did call my XXXX XXXX  seeking for help at the same time paypal locked my account and froze my funds of $ XXXX FOR SUSPICIOUS ACTIVITIES!! after i tried to log in to paypal i was asked to confirm my ID, so i did add my driver license copy to unlock my account, till today still no confirmation or any sign from paypal, i did attach all the documents needed to my actions, im really helpless and i need your help thank you
Consumer complaint received 2020-11-23
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. (KY)

Citi Bank accepted payment via automated phone system on XX/XX/2020 in the amount of {$1000.00}. Citi Bank withdrew the {$1000.00}. from my bank on XX/XX/2020. Today is XX/XX/2020 and Citi Bank has not posted the {$1000.00} payment to my account. Citi Bank mailed a statement to my home continuing to charge interest claiming unpaid balance.Citi Bank automated robo calls to my business phone 4-5 times per day and weekends wanting payment.Citi Bank representatives call me live on business phone harassing me for late payment when the {$1000.00} payment was made early.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NC)

I received a collection notice from Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX for {$510.00} XXXX. 

I have never had their services the cable services I have had for the last 15 year has been in my husbands name not mind and we transferred our services to my new address. I dont know how they have my address for this it has to be a fraud, scam or the wrong person. XXXX XXXX XXXX has lost a lot of business I have seen on the news now there creating fake accounts with peoples information. 

Some one at this company is doing fraudulent activity getting people information.