davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

I had 2 bills from XXXX XXXX for a total of {$120.00} that I paid in XX/XX/XXXX. I subscribe to a credit monitoring service and got an alert a few months ago. I've never received any bills from the collection agency or XXXX XXXX. I used the bill pay option through my insurance company to pay the bills. I called XXXX XXXX and after several calls and emails they said they received proof of payment and would " send to correct department to review. '' That was on XX/XX/XXXX. I disputed with all 3 credit agencies. XXXX removed it the same day. XXXX and XXXX both say the debt has been reported as accurate. Even if I wanted to pay the collection agency, PlusFour, the number is out of service. I've disputed twice each with XXXX XXXX XXXX and included proof of payment and they just keep saying the same thing.
Consumer complaint received 2022-10-10
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: CITIBANK, N.A. (IL)

I have filed multiple disputes and complaints with the CRAs and Macys dispute department. I informed them that this account was opened fraudulently and they have yet to remove this account from my credit file. I was informed that this account is accurate and belongs to me but have yet to receive any proof. 
I need this account removed and blocked permanently
Consumer complaint received 2022-08-09
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: Credit Karma (SC)

Between XXXX XXXX XXXX Credit Karma shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX  and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX  acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

I had a auto loan through Wells Fargo Dealer Services. 

My auto loan was charged off on XX/XX/XXXX. 

I made a payment on XX/XX/XXXX that they have record of but they said for some reason the payment never went through. I had sufficient funds in my account at the time I attempted to make the transaction. They had no specific information was to why my payment never went through. 

I was never emailed or contacted by phone to be notified my loan was about to be charged off. 

Additionally, when I found it was charged off they presented me with a number of payment plans. The cheapest option was XXXX a month for 3 months, to bring my payment back down to XXXX for 12 months. 

I explained that I was currently in school full time on the GI bill and that the problem with my payment history stemmed from highly publicised issues the VA was having paying veterans their GI bill payments. 

I further explained that XXXX was the exact amount I was getting in GI bill payments for my area and that would be an undue burden. 

They said they were sorry and that there was nothing they could do. 

I even attempted to refinance with a very credit worthy cosigner theough wells Fargo and they would not refinance me. 

So now for the next 3 months the XXXX a month I make through the GI bill is going straight to my car.
Consumer complaint received 2020-12-29
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: CITIBANK, N.A. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK N A add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX. 

In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.

Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I was opened a XXXX  credit card with Citibank, and they closed my account today due to returned payment as I didnt missing any payment, my next due day is not coming yet.also they was never created those payments on my account but when the payment was returned, they add those amounts to my balance.All of that with no notice to me, also I didnt have access to the account a week ago due to some security reasons, at that time they was told me, thats only option for access to the account is sending me a letter, its takes 7-10 business days to arrive my address, so I never received that letter as today.now they said the account can not reopen.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

I have a business checking and savings account with Chase Bank NA since the early 2000 's. I recently was in process of moving over my accounts from other banks into Chase and encountered several problems regarding verifying my account. After a few months, this seem to have been resolved. When I made my federal and state tax payments, Chase froze my accounts and rejected my payments without notifying me or my private banker. This is further unacceptable as my banker was on the lookout for these payments and not told anything as well. This caused the IRS and Colorado Department of Revenue to levy huge fines and late fees. When I told Chase, they conducted an " investigation '' in which they found themselves innocent. I asked them details on the investigation and they said they are unable to provide these. They never did apologize or show any type of remorse. More of a tough luck ... we are Chase so deal with it attitude. Chase used to be a wonderful bank but is falling downhill quickly.
Consumer complaint received 2022-09-23
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)

I'm a living human being, a natural person. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 168XXXX. My rights to privacy have been violated, I did not give Equifax permission verbally nor did I give them written permission to display in private or in public, these accounts on my credit report. I need these accounts removed asap. accounts listed below. Thank you. 

XXXX XXXX XXXX, XXXX  ( tXXXX XXXX XXXX XXXX  ) XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mortgage XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance
Consumer complaint received 2020-12-29
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. (TX)

THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

To whom it may concern, I XXXX XXXX XXXX show on my credit that your company is reporting false information on my credit. Flagship Credit Acceptance claims I open an account in XXXX FRAUD. 

I want a deletion letter asap this originated in XXXX it has been 7 years I want it removed for violation of false information! 

If I do not get a deletion letter I will report you to the XXXX XXXX XXXX, state attorney office, Federal Trade commission and consumer financial protection Bureau. 



FLAGSHIPCR XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CHARGED OFF ACCOUNT AUTO BAD DEBT ; PLACED FOR COLLECTION ; SKIP CHARGE OFF AMOUNT IS XXXX I need this to be a priority if not I will take action and complaints will be filed. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (PA)

XXXX does not allow me to access my free credit reports with XXXX and Equifax. 

It either gives me a number to call or says there's a problem. 

When I call the Credit companies, they say they have nothing to do with problems on XXXX and I have to contact it directly. But I don't see a number to call to resolve these issues.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NY)

I received a card in the mail from Netspend All Access by XXXX. I did not request this card and have no idea who this company is or why I received it. Their customer service lines wont let you speak with a person. Receiving this makes me worried I may have suffered identity theft. The card requests I activate it, and I could only succeed in opting out on their automated line. When I called their other customer service line, they ask for my social security number so I hung up. This is incredibly frustrating.
Consumer complaint received 2020-12-29
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: CBC Companies, Inc. (NV)

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and XXXX XXXX XXXX even though I have ordered them at least 3 times since XX/XX/2020.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, I had two unauthorized charges taken from my bank account linked with my PayPal account. Both transactions were disputed and the charges were reversed. I was at a net of {$0.00} with the two transactions. On XX/XX/XXXX I received an email stating that the second transaction in the amount of {$56.00} would be taken out of my PayPal balance as the transaction was not unauthorized. I called and spoke with XXXX on XX/XX/XXXX who assured me that the transaction was unauthorized and that the email I received on XX/XX/XXXX was sent in error. On XX/XX/XXXX, PayPal debited my balance for the {$56.00}. I was on vacation at the time. I called on XX/XX/XXXX and spoke with XXXX. She stated that the {$56.00} would be put back into my account as the charge was, in fact, an unauthorized charge. I had not seen the money back in my account so I called again today, XXXX XXXX. I spoke with XXXX. He informed me that the funds were PayPal 's and that I would not receive another refund for the {$56.00}. XXXX did admit that it was a fraudulent charge and could not give me any information as to why I received an email stating that it was found to NOT be an unauthorized charge. 

To say that I am frustrated is an understatement. I was on the phone for over 2 hours on XXXX and over an hour today. XXXX could not tell me what was different between the two charges, what had changed from XX/XX/XXXX to XX/XX/XXXX, nor why PayPal would not cover this loss I incurred.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a Hyundai Elantra GT in XX/XX/XXXX with a maturity date of XX/XX/XXXX. I submitted full payment on XX/XX/XXXX and the required odometer disclosure statement shortly after. I started calling in XXXX once I noticed I never got the title. Customer service said oh sorry and that they would submit an " expedited request form '' and would come in 7-14 days. 3 weeks later I still have no title and call again. They constantly say that I have all the required documents and the car is paid off so they send an email to the title department to release my title. They say the title department will respond and they will leave a note on my account but everytime I call there's no update and they just send another email. It's now XX/XX/XXXX and I still have no title and today the customer service person sent yet another email to the title department after telling me I have all the required documents submitted.
Consumer complaint received 2019-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On Thursday, XX/XX/2018 ( for the second time in a two month span ) PayPal has decided to freeze my account. They will not tell me why they froze it. They blame the IRS and per their XXXX comments from other patrons, Im highly doubtful I will receive my money and be able to use that account. I need that money to run my business.
Consumer complaint received 2021-08-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (AZ)

This was a payday account with XXXX XXXX, a debt collector Vance and Huffman LLC reported the negative item on XX/XX/2021. They had bought off payday loan debt from XXXX XXXX and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with Vance and Huffman LLC. This should be remove/dispute off my credit report immediately.
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A. (ND)

Company is threatening to garnish my wage for a invalid debt that is also showing it is time Bared according to the North Dakota Statute of limitations. Collection of Debt on Account 6 yrs. XX/XX/XXXX ( 2 ) which their bogus verification page shows payment due date of XX/XX/2014 which would be past the statute of limitations anyways. I have sent them letters by certified mail stating to desist from further action and that I do not acknowledge the debt. They said I could do nothing to stop the garnishment. Their charges changed on debt collection notices they sent. From XXXX to XXXX with the verification showing different amounts from XXXX to just the XXXX with bogus charge off principals and finance charges. They are trying scare tactics on me when I am just getting ready to have a XXXX XXXX and are attempting to take advantage of me.
Consumer complaint received 2021-04-20
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: CITIBANK, N.A. (GA)

Citibank has ignored the documents I have sent to support a filed dispute and extended time to the merchant repeatedly past given deadlines.I received correspondence from Citibank on XX/XX/XXXX stating that they reached out to the merchant but had not heard back from them and they had until XX/XX/XXXX to respond, the date of the letter I received. Two weeks later I receive another letter stating that the merchant won't give the credit because they did the work. My original dispute included the information that Citibank requested of a second opinion stating they performed excessive labor to drive up the price and still did not provide the diagnosis of the problem. I provided the proof asked for and XXXX XXXX has yet to give me a diagnosis. They only ever gave a parts list of what needed to be purchased and replaced. The mechanic who fixed the motorcycle stated as much in their invoice. Now I am told they have closed the dispute in the merchants favor. 
Secondly, despite an annual fee of {$500.00} I am denied the right to speak to anyone when I call in for any reason at all. This means when I have questions that must be answered in a timely manner to respond to disputes I am told I must send those questions in writing and wait for a reply when an immediate response is needed from the dispute department. Citibank should be representing me as I pay them {$500.00} annually for their service. Instead I get no personalized service while they defer to the merchants rather than standing up for their clients.
Consumer complaint received 2020-12-29
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. (IL)

I have a closed account on my equidax report from 2014 that has been charged off. The report doesn't include any of the charged off information. Or any indication the item is charged off.i have sent over letters from the company to equifax stating the item is charged off. Equifax won't update the report.