davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I reserved a car on my daughter and so n't behalf through XXXX for pick up at XXXX for XXXX XXXX. My reservation was for an economy XXXX or XXXX door XXXX XXXX or similar. Total cost was {$140.00} plus taxes and fees of {$79.00} ( all inclusive ) for a total cost of {$220.00}. 

My daughter arrived at XXXX on XXXX XXXX around XXXX and was told there was no economy car available but she could be upgraded to the next level auto at NO charge. She asked THREE times for the agent to confirm that she would not be charged any additional fees for the upgrade, extra insurance, etc. She assured her there would be no additional charges of that kind. She reviewed the screen she was presented, which showed the charge of {$220.00}, and signed a signature pad. 

The next day, she stopped at a XXXX in XXXX, IL to exchange the car. There was a problem with the fuel system/engine. It had taken half a tank of gas to drive from XXXX to XXXX, IL ... a distance of about XXXX miles. The car also had the distinct odor of XXXX. She signed an agreement for the exchanged car. 

She arrived promptly on XXXX XXXX to return the car to XXXX at XXXX. It was on time, there was no damage, and the gas tank was full. At drop off, the agent swiped my son 's Citibank MC on a mobile device. ( He is an authorized user on my account ) When they got to the terminal, they reviewed the paperwork and noticed the price difference between the original reservation and what they were charged. They were charged {$230.00} for the rental and {$110.00} in taxes and fees for a total of {$340.00}. 

I called XXXX but was told the upgrade was authorized. IT WAS NOT. It is clear that the screen my daughter was shown did NOT include the upgrade charges -- which again, she was told would be FREE. Either the screen had not been updated prior to her signing or the agent changed the contract after she signed. 

I contacted Citibank to dispute the price difference of {$120.00}. Citibank received a copy of the contract from that rental. The contract was unsigned. I asked for a copy of the charge slip my son signed, authorizing the charge, but Citibank refuses to produce it. 

Citibank states that the unsigned contract sent to them by XXXX is proof enough of authorization. I maintain it is not and want my account credited the overcharged amount of {$120.00}.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TN)

I applied for a Citi XXXX + Rewards card and received a bill on XXXX XXXX 2016 but had not received the credit card. I called customer service where they kept asking me for my card number and I explained I did n't know it because I never received the card. The told me I would have to be verified and to send my drivers license, social security and a utility bill to fax number XXXX and they would know what to do and it would take 72 hours. 
I called back on XX/XX/XXXX and spoke to XXXX who informed me no one had even reviewed my documents call back, I also had to send a different utility bill which I did immediately. I called back on XX/XX/XXXX and spoke to XXXX and still my documents were not reviewed! I gave them a little more time and called back on XX/XX/XXXX and spoke to XXXX who lied to me and said they had n't even received my documents which I had been told they had. She would n't let me speak with a supervisor and I asked for corporates number and she gave me a bogus number. I called back immediately and spoke to XXXX who got me a supervisor to speak with named XXXX, at this point I am so FRUSTRATED, he was of no help except to say he would counsel XXXX. 
On XXXX XXXX I called back and spoke to XXXX and then XXXX a supervisor who told me he was typing in an IM and I would be verified that day, half the day went by and no call. I called back and spoke to XXXX, XXXX and then XXXX, XXXX was a supervisor in Fraud and extremely rude and I WAS NOT VERIFIED. 
I got tired of calling ( although there are MANY others I spoke with ) and now they are calling me because I got my lawyer involved, everyday they are saying something new, your license was n't dark enough so send another fax, the utility company would n't speak to us without you on the line ( I got them a letter ), I took care of every issue but they waited and waited to tell me things. I told them all my personal information had to be shredded when they were done with it. 
I must have talked with XXXX plus representatives and supervisors all of which harassed me like I have never known! 
XXXX was one of the last supervisors in Fraud I spoke to that told me after I spoke to XXXX-XXXX people in the same day that said I was verified finally after two+ weeks they would send an email confirmation with a XXXX balance that they " do n't do that ''! I got into a heated argument with her, she was off the chart rude and out of line, so I wrote a letter to my lawyer and faxed Citi a copy and low and behold the next day I got an email confirmation. BUT in it they state I will be responsible for any charges???? How is this possible if I NEVER received the card as I told them? I wrote to their ethics committee and their corporate office, have n't heard back from either? 
This company is bogus and handles client issues in a very strange and unethical way. I fear for my identity being stolen at this point.
Consumer complaint received 2020-03-01
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. (CA)

XXXX/XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account XXXX XXXX  XXXX/XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account DUVERA BILLING- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Unverified Account XXXX  XXXX- THEY NEVER PROVIDED WITH DOCUMENTATION FOR THIS Account BEING LATE
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022 I received a paypal transfer from a friend ( XXXX XXXX ). She used her paypal balance. From Paypal 's marketing materials, friends and family transfers are free of fees. She sent XXXX USD and I received XXXX USD in my account. There was a fee of around XXXX USD. 

When I inquired Paypal 's associate they mentioned that It was logged as a business transaction. But the system does not give an option to initiate a friends and family transfer, so the result is that any transaction is logged as an exchange for services/goods. 

Paypal is misleading as to how the fees work and purposely hides the option to do a friends/family transaction which has no fees.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MN)

They sued me for debt already paid and took wages and in letters they don't even say what there taking money out for. All this should be deal with and my paychecks need go back to normal. They taking money to live of and this company needs stop so many red flags they do not by book and they are also supposed to try setting payment deal up which never they when to judge and sent to home office.
Consumer complaint received 2022-09-14
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-11-12
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. (KY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (PA)

I have my auto loan of 4 years with Gateway One Lending and Finance. My account number is XXXX. I pay through direct pay from my credit union checking account. When my account went into arrears, I was locked out of my online account for not answering representatives phone calls. I have notified the account supervisor XXXX XXXX in response to e-mails she and the credit department sends letting me know they are trying to reach me via telephone. I told Ms. XXXX I do not have access to my online account and NEVER get paper statements so I have no idea how much I owe, ever. Ms. XXXX has stated she has updated my account to allow me access but I still can not get in. She also replied they send statements to my address, which they never do. I have even updated my account until my recent move XX/XX/XXXX. 

How am I to keep up on an account I have no idea how much I owe? Ms. XXXX told me I owe {$730.00} on XX/XX/XXXX after I told her I just sent a payment of {$300.00} and have no idea how much I owe for the reasons stated. My payments are {$440.00} per month, so although she told me I owe two months, I owe less than two months and actually less than 1 after my {$300.00} payment. 

I need statements and I should not be locked out of my online account because I do not take their calls.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (NJ)

Unable to obtain my credit score for XXXX, nor file. I contacted Credit Karma to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.
Consumer complaint received 2020-03-01
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-09-14
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S.C.Code 1666a ( a ).
Consumer complaint received 2022-10-29
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MI)

I received a vanilla gift card for my birthday on XX/XX/2019. I used the card to make a purchase and then returned the item. The card was refunded however, there was fraud on the card and the account was drawn to a {$0.00} balance. I have filed disputes many times with the Company Vanilla. Its been months and I dont have replacement card and Im out the {$100.00} that was on the card.
Consumer complaint received 2020-03-01
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-12-15
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. (NJ)

called XXXX/ExperianXXXX  after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC. (AZ)

Collections USA has a debt from someone who harassed me and damaged my property. I had a restraining order against them and they fought the restraining order ( I did not know ) the judge then told Them I had to pay attorney fees ( I did not know this either ) my harasser lied about the attorneys fees, sold the debt to collections USA, lied to them about the debt, Collections USA is lying about the amount and so is the perpetrator, the courts said that he cant sell the debt to a collection agency and that he has too have proof and attorneys bills that collections USA and the perpetrator failed to provide. collections USA also keeps putting hard inquires on my EX credit report without my permission. I feel harassed and staked now by not only the initial perpetrator I took to court but now by Collections USA. This system is beyond broken to even allow a sit ion like this to happen.
Consumer complaint received 2021-11-12
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. (FL)

Thank you guys for reading my complaint. On XXXX I sent a letter to all three major reporting Credit Bureaus . And I did not get a response from any Major reporting bureau. I was able to get one account closed on Equifax which was a charge off from a car which the car was wrongly taken from me through the finance company. And a charge off XXXX balance account from XXXX XXXX that was closed on my XXXX. I checked my status regarding the letter dispute I sent to XXXX, and XXXX has only documented that a dispute was filed on XXXX, and XX/XX/XXXX.The delivery date was XXXX for the letter I sent in the mail. I also disputed on XX/XX/2021 using XXXX XXXX, and the status of that is that account is still in review. The letter I sent to XXXX was sent on XXXX, and only one of the five accounts were removed. The other four accounts on that letter I asked XXXX to verify were not removed, and were not verified. And I did not receive a response from the bureau via mail, nor email, nor account update regarding the other four accounts. This dispute has lasted over 30 days, and I feel as if the only way this can be resolved outside of small claims court is to get those four accounts on my XXXX letter removed. Due to the Fair Credit Reporting Act. I have attached the original letters I sent to XXXX, and Equifax. And proof of the letters being sent off via US Mail. I also have attached screenshots of the one account that XXXX finished disputing, and the account its still working on. Also want to dispute Equifax for not removing any accounts except the that was placed as a charge off. I have also attached my non reponse letters I have sent to both credit bureaus via mail. Thank you guys so much for your help. I really appreciate it so much.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I called XXXX XXXX XXXX to tell them this wasnt my account they ran my social security number and agreed it was not mine and said that they would take care of it. Its still on my credit report and is also showing up in collections with a company called LVNV FUNDING LLC. I mailed a dispute letter to them and XXXX XXXX XXXX and its still on my report and its obviously not my account.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (HI)

My Gemini.com account access was frozen on XX/XX/2022 citing login activity for my account in areas outside of their current operation where I have been working and regularly access my account fine for a whole year prior. 

Since the XX/XX/XXXX notice, I was prompted to provide proof of address, photo verification, and explain my traveling, as I travel for work. I have explained repeatedly that I work in a the foreign country and return home regularly throughout the year and my account is still locked, now 5 months later. 

As of now, my account value is around {$840.00} that I can not access. There have been XXXX email exchanges trying to remedy the problem. There is no phone number to call, I have provided my number to be called and they will not call it. I can not even close my account to withdrawal my assets.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I moved into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, on XX/XX/XXXX, I moved in on a 12-month lease. Prior to me moving in I put a {$500.00}, deposit with the first months rent. During my stay I never was late with rent my rental history was good always on time payments. Once my 12-month lease was up I decided to move. I went to XXXX XXXX XXXX in XXXX Texas. Before I moved, I gave the proper 60-day notice to move. Before I moved, I did a complete walk thru with the property manager, on XX/XX/XXXX, which was a few days extra, I paid {$250.00} for the extra stay. XXXX XXXX XXXX received a rental verification from XXXX XXXX XXXX XXXX stating that I did not have any balance with them. Then in XX/XX/XXXX I was having a hard time getting a place to stay, even though I have stay in 3 apartments since. I was told by now apartment manager that I was in collections for money owed to XXXX XXXX XXXX XXXX, with Pro Collect and this was on my credit since XX/XX/XXXX, in the amount of {$340.00}. I never received my deposit back and never received any notice that there was a now balance after there was not with verification to my new apartments which at that time was XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX had my new address and apartment number to be able to send me any correspondences about any newfound balance that they discovered error. However, I never received one letter no phone calls or emails. When Pro Collect took over, I never received any correspondences from them at all about any new founded balance. Less than one month of me moving into my new apartments XXXX XXXX XXXX  is when Pro Collect was added to my credit.
Consumer complaint received 2020-02-29
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: EQUIFAX, INC. (AL)

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I went to pay my Macy 's credit card account 6 days ago and was unable to get in to the system, it keeps reverting back to Macy's.com after it says it is leaving to go to XXXX. I tried to get assistance and there is no one that speaks XXXX to speak to then I spoke to XXXX different people in XXXX minutes and it took XXXX phone calls. 
My account is now late, they say that you have to get a new credit card with a new number and then you can use the system. NO WHERE has anything been sent stating this was going to happen and now I have a late fee and they are ONLY concerned with trying to get a payment prior to them even trying to HELP. I am disgusted, I think I have had these cards for 15 years at least and now they say the new & improved system is great however it SUCKS and you can not even get into it. 
I understand things are changing but since when does XXXX the customer over help? What happened to sending out a new credit card and explaining WHY you need to have a different number instead of XXXX the customer, the tech support ca n't even answer if this is going to show up as an additional number to the previous one on your credit report, yet again if it does it can effect your credit report and there again screw the customer ... 
Macy 's is the ONLY company that I have a credit card with that you can NOT pay online for the date due, you have to pay online on the day you are online doing it ( something new with them in the last year ) ... XXXX is wrong with this company?