davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I had XXXX XXXX dollars charged to my American Express card by an ex employee for their personal benefit. Those charges were not authorized by me and though I had a relationship with the vendor the vendor was also not authorized to charge my account for the ex employee. I brought it to AMEX 's attention 3 months ago and they quickly agreed it was fraud and credited my account back the XXXX. Fast forward to yesterday I get a call at night telling me that the charges are not fraud and that I am responsible and I should take it up with the vendor. I am a 15 year card member who uses Amex because I thought they provided some protection. I have never made a claim during this time. Bottom line I was stolen from, we had to fire the employee, and now because the perpetrator worked for me it is not not considered fraud. I asked to speak with a manager and was denied the request, then I asked to speak with a divisional manager and was told by the employee XXXX that she could make no promises. This company has been charging me over {$1000.00} a year in annual fees on my 4 cards going back well over 10 years to just leave me high and dry the first time I have asked for protection against fraudulent charges.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (WI)

XXXX XXXX I try to create a Credit Karma account to track my credit score. I realize I'm unable to create an account because someone else has already created one first using my name, ssn, bdate. I didn't receive the follow up email so I try it again in XX/XX/2022. 
XXXX XXXX I reach out to Credit Karma to inform them again that someone used my name, ssn, beaten without authorization. Credit Karma rep told me they take security seriously and that I can send in documentation to verify my identity. The account was opened under email address ( XXXX ) and this user did nor have to send in documentation in order to use my identity. Closing the account was their remedy to this issue. Credit Karma allowed an ex who was convicted of trying to kill me to have access to my personal information also endangering my personal safety. I'll have to make a police report because my info was not kept safe.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got a big scam and paid {$2400.00} for a watch using Bank of America 's card and documented the entire conversation between the scammer and I. 
Even with the clear evidence Bank of America actually refused to get my {$2400.00} back to my checking account ending with XXXX. 

Claim # : XXXX Received a letter that Bank of America is refusing to fight for my money back. 


After 15 years with Bank of America and pouring my money into this bank, I am pulling all my money out and not using it until they fix this clear fraud/scam. 

As a victim and loyal customer of Bank of America, in these critical times like this, I expect Bank to fight for the customer. Based on my evidence this is a clear case that I used my checking account to pay for an item whether the SYSTEM and program don't recognize as a merchant transaction.. I can see the true color of Bank of America when comes to a $ $ $ $ they don't want to help the customer ...
Consumer complaint received 2020-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I logged into my credit card app for XXXX  XXXX and checked to see how my credit is doing since I make my payments on time and saw that there are 3 negative accounts on there that are not mine and dont recognize them. I know what accounts I have and theyre all in positive good standing almost paid off.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

About 2 years ago, XXXX/Loan Care purchased our home mortgage from our original lender. The transition was an absolute nightmare where we couldn't get a hold of anyone or even make our monthly payments. This was resolved after a few months of trying. 

Fast forward to pandemic times. We were approved for their forbearance program during the pandemic. We were promised numerous times via phone calls and emails that we would be getting paperwork for a deferment, and it was explained that we would be able to add the deferred amounts to the END of our loan. This was confirmed via phone calls and emails from Loan Care. 

We've called numerous times for the paperwork that they promised they would send on a few occasions, and we are now told ( now that our grace period is coming to an end ) that they are now denying our " approved '' deferral and we must pay in full the deferred amounts, which is impossible and against everything they have promised this whole time and what was agreed upon. 

We also just received a notice of foreclosure if we don't resolve everything within 30 days. This is an absolute scam and sham. The last person we talked to from Loan Care said they can deny this for no reason and " just because ''.
Consumer complaint received 2020-10-31
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. (MD)

XXXX, Transunion and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior XXXX  verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give Transunion, XXXX  or XXXX  (  consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for TransUnion, XXXX  or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by TransUnion, XXXX  or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to TransUnion, XXXX  or XXXX  to create a report or file to furnish to creditor or alike. I did not give TransUnion, XXXX  or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit  score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. TransUnion, XXXX  and XXXX  falsely claim to have authorizations to create credit reports and files. TransUnion, XXXX  and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

can not unfreeze my report. Have had problems with Experian every year. Last complaint XX/XX/18 for same reason # XXXX - SORRY YOU HAVE TO SEND A LETTER!! No other info. This is holding up a Line of XXXX for my business. Thanks
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went onto the Capital One Preapproval website ( https : //www.capitalone.com/credit-cards/prequalify/ ) and put in my info. I got the following webpage ( see attachment entitled Exhibit A ). There is a big green " Apply Now '' button as if I prequalified for the credit card. I clicked it and, thinking that I was preapproved, I filled out the application but was DENIED. There was a hard credit report pull, which affects my credit report. This is misleading. I was not preapproved for anything but the webpage makes it seem like I had an offer.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

The cfpb case is cross-referenced with a previous solved case one XXXX - XXXX on XXXX of 2019 I submitted a cfpb complaint on American Express serve. in reference to card account number ending in XXXX which is currently closed. 

After filing the cfpb case I received correspondence through cfpb on XX/XX/2019 from the customer advocate services team of Amex serve services XXXX XXXX XXXX Utah. 

the letter I received after the cfpb case was closed to the previous cfpb case response from American Express serve as a reference letter number of XXXX. 

OnSunday XX/XX/2019 I called American Express serve customer service for three reasons to get print out statements for all XXXX cards closed and to verify that the open card was active. 

I also asked about a dispute but it's past the three-month deadline to dispute an item on the statement from American Express they suggested I file a complaint with the cfpb about getting a reimbursement on a fraudulent charge on my American Express statement I can supply the statement attached to this complaint twisting the fraudulent charge it wasn't XXXX XXXX use XXXX to access my XXXX to fraudulently steel XXXX.. 

it's past the deadline to dispute the transaction with American Express but I will follow the link this complaint follow up with a XXXX complaint asking for reimbursement from XXXX.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Tran Union several times regarding debt on my credit report. I have sent in supporting documents several times regarding this debt. Tran Union is refusing to remove the debt from my credit report. I have put in several disputes with Transunion regarding a false debt against XXXX XXXX XXXX for amount of {$3000.00} dollars. I have also sent in over several times my supporting documents to show the debt is false. This false debt continues to remain on my credit report.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute due to identity theft in XXXX and sent in affidavit on the following accounts. XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX and XXXX XXXX. But accounts still remain on report so I submitted another affidavit the first part of XXXX but still nothing has been done. The accounts still remain on my report.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-13
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. (TX)

On XX/XX/2021, I sent a letter regarding the numerous incorrect and unknown inquiries/accounts on my credit report, and sixty ( 60 ) days later they have not yet provided any explanation nor they have deleted those errors on my credit report. I feel like I am being ignored on my dispute letters. Under the Fair Credit Reporting Act, a failure to investigate any items in dispute by the consumer within thirty ( 30 ) days will result to the immediate removal of those items from my credit report. It has been over 60 days, so they should have been deleted by now as mandated by law. If their ignorance of my disputes persists, I will have no choice but to file for litigation against them. They have affected my ability to obtain credit or take a personal loan. Furthermore, my information was also impacted by the Equifax and XXXX data breach, and my information may have got into the wrong hands.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these Items. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, ( I have to apologize for re-uploading this compain ) Please help me, I have troubles with Paypal. I am running a legal vape business in the XXXX since XXXX. We started to manufacture vape units for retail and export on XXXX and has been using Paypal for international transactions ever since. Our business is complete with permits, we work with legitimate suppliers and couriers. Paypal asked for proof and eventually upgrading my account to business. 

XX/XX/XXXX Paypal put a limit on my account without any warnings. They sent an email, saying that they will need to put a hold on my funds for 180 days. I found out from other clients that tobacco and e-cigarette products are not allowed to be sold via PayPal. For two weeks, I called, and messaged PayPal but no resolutions. I received an email saying that PayPal found my account as a potential risk and was promised to receive an email after the 180 day hold, with the instructions on how to withdraw my funds.

May 14-15, 2021 Again without any warnings, Paypal took away all my funds. 
XX/XX/XXXX XXXX XX/XX/XXXX {$8300.00} With this description : Payment to : Paypal XXXX PayPal 's damages caused by Acceptable Use Policy violation ;. 

After talking to PayPal for more than 2 weeks, again no resolution.
Consumer complaint received 2021-06-02
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. (NJ)

The Following account listed is not my account. I did not obtain this account nor did I authorize for it to be opened. 

1. Identity Theft CBNA Account Number : XXXX This is not mine.
Consumer complaint received 2020-06-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

contacted XXXX on XXXX company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: Onity Group Inc. (VA)

My XXXX Credit Report XXXX PHH Mortgage reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Neon Newco Corporation (WA)

I received an email from XXXX pay cash. It gave me a phone number and told me I needed to call immediately. The first thing that was asked after dialing the number was my social security number I was spooked. I hung up, did not provide my SSN. I called XXXX normal customer service at XXXX. I asked if the number for XXXX Pay cash was valid. XXXX told me yes, the XXXX Pay cash number was valid and that I should call them for further assistance. I called the XXXX pay cash number back. I was told numerous times by numerous agent that they could not help me. They kept telling me literally to hang up and call back and they could not help. I finally got through to One agent who was able to look into my account and told me they may have contacted me about sending out a new card or something like that. She put me on hold to look further into the details and then I was transferred to another random agent who had no clue what was going on and said we had to start all over but then she said she couldn't help me. 

Additional identifying information in the email body I will provide here. 

XXXX Pay Cash is a Prepaid card issued by XXXX, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend, a XXXX XXXX, is a registered agent of XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

Card may be used everywhere Debit Mastercard is accepted. 

XXXX and XXXX Pay are registered trademarks of XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Persolve, LLC - Legal - Series 2 (IL)

The company is in major violation of the following laws : The Fair Debt Practices Act 15 USC 1692g 15 USC 1692e ( 8 ) 15 USC 1681 The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) The Truth in Lending Act 15 USC 1602 ( g )
Consumer complaint received 2021-11-01
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-26
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: DISCOVER BANK (MI)

Discover filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

Discover is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with Discover on XX/XX/2020 around XXXX I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that Discover had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

Discover is using predatory tactics, and illegal tactics.