davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX I attempted to purchase furniture using financing terms through XXXX  using paypal as a payment which was 6 months no interest. When I purchased the items, it was said that I should have them XXXX XXXX. On the XXXX of XXXX I check the status of the purchase and it was updated to show that it wouldn't arrive untill the XXXX of XXXX. The Items were supposed to be XXXX Presents and the updated timeline is too close to XXXX and I decided to Cancel the purchase and find something else. I requested the XXXX on XX/XX/XXXX. On XXXX XXXX, I was notified that the cancelations were complete and the refunds were made. The receipts show that the refunds were made and that everything should be fine. XX/XX/XXXX I received an email stating my account was NSF for the entire purchase that had already been canceled. Paypal, even though receiving the funds from the canceled transaction attempted to debit my account for the full purchase price of the items. Of course their is NSF because I had a 6th month payment plan, what difference should that make because I had to cancel the order due to the updated shipping estimate having it arrive to close to XXXX? Today I awoke to a XXXX NSF fee charged by my bank because paypal is attempting to double charge me, and on top of that I can not make contact with paypal and have no idea if they're going to attempt to try and charge me again for the canceled order which will result in another NSF fee and even possibly the cancelation of my Mortgage payment. They need to stop their theft of my accounts!!!
Consumer complaint received 2020-06-23
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 (GA)

I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX XXXX Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



XXXX fixed from XXXX  XXXX  by XXXX  XXXX  Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The Credit Karma Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!!
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-08
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: Resurgent Capital Services L.P. (CA)

My ignorance of the credit laws should not be the reason the cra 's, creditors and collection agencies abuse my rights to privacy. I have been trying to get these accounts dealt with properly. Both accounts, XXXX and LVNV have repeatedly verified this information on my credit report. According to Metro 2, consumer law and factual disputing, these two accounts have violated my rights. I'm getting very frustrated with the way this is dragging on. And every dispute has copies, evidence attached. I was trying to get a refi, and was denied for these accounts. All they do is verify. If you look at my credit report, you see the inconsistencies I have the right to privacy. I didn't give any one permission to share my non public information. At this point, they are willingly and knowingly causing me harm.
Consumer complaint received 2023-03-08
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$61.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

I was using the 'pay anyone ' feature in the chime app, which claims you can send money to anyone even if they don't have a chime account via phone number. So I typed {$2200.00} and my boyfriends phone number and hit send. Well he never received a notification so I looked into the history and chime sent {$2200.00} to some unknown person, not to the phone number I put in. I called right away and they would not cancel the transaction and I would be credited for the {$2200.00}. This was XX/XX/2023, the next day chime denied my dispute and would not be crediting my account. How is it legal for a financial institution to claim your money is safe because it's insured up to {$150000.00} but will not pay for a mistake their app caused?
Consumer complaint received 2023-03-08
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. (NM)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (NC)

On XXXX XXXX applied for financing from Chrysler capital was given a preapproval letter for XXXX. After sitting in the dealership for hours the salesman came back and told me that I needed to put down XXXX for the vehicle. I had a trade in and after talking to another dealership the company cut my financing in half. I am XXXX veteran and this was extremely humiliating and embarrassing to my wife and myself.
Consumer complaint received 2023-03-07
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: DISCOVER BANK (TN)

On XXXX XXXX, a fraudulent purchase of {$980.00} was made from XXXX through a 3rd party app called XXXX. The purchase was a laptop that was sent to an address in XXXX, Tennessee with my same name. I live in XXXX, TN over 4 hours away and have never lived or visited or do not know anyone in XXXX TN. After doing my own researching, the address sent to in XXXX, the complete address was misspelled that it was sent to from the XXXX. I have disputed this from the beginning. XXXX customer rep that I talked to knew it was a fraudulent charge but could not take it off and told me to file a dispute with Discover. I immediately cancelled that card and I got sent another card from Discover. I continued to use the new card with a different account number. I filed a dispute with Discover. The initial dispute was not filed correctly by Discover customer service and it came back against me in XX/XX/2022. I appealed that and talked to the fraud department at Discover and they were very nice and apologized and seen that it was not filed correctly. They temporarily gave me credit while it was being disputed. I noticed in XXXX that my bill had gone up drastically with no big purchase being put on it, so I contacted Discover. I wanted to talk to a manager, XXXX XXXX Ohio XXXX, and was informed that since my name, address and email was on the account, and I continued to use the card, that I was liable for the charge per the investigation that was done. I also cancelled that card and had a replacement card with a new account number. Unbelievable. If the investigation is no more thorough than this, they need new investigators. I am being fraudulently charged by Discover, as a consumer of their company who has always paid my bill on time. This is not right and needs to be fixed.
Consumer complaint received 2020-12-19
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. (GA)

Equifax is deliberately reporting erroneously + violations riddled all over my report and this is frustrating to me. I alerted them of this twice about my personal data and accountsbut they kept going. My only Legal name is XXXX XXXX XXXX which I sent evidence to proof my legal identity by ceritified mail on XX/XX/2020 and I need you to remove non-associated addresses.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Over XXXX XXXX dollars was transfered out of my Venmo account in XX/XX/2022 by someone claiming they were me. VENMO never took any action to save guard my account. Just over XXXX in instant transfer and around XXXX in standard transfer was taken. The XXXX instant transfer was returned to my Venmo Balance but is still locked. I can not transfer to my XXXX account which has always been linked. The remaining XXXX standard transfer remains unaccounted for and last time I spoke with Venmo customer service back in XX/XX/2022 and recently this year, they said they were working on it. They told me to email them at XXXX which I have done numerous times. They have never responded. Venmo is acting very irresponsible and I believe this may be an inside job
Consumer complaint received 2023-03-07
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: U.S. BANCORP (TX)

RE : CFPB Complaint Number : XXXX. 

CFPB sent my original complaint to the company ( US Bank ) fifteen days ago, on XX/XX/2023. US Bank has failed to respond to CFPB or to me regarding my complaint. Therefore, US Banks response to my original complaint is untimely according to the CFPB regulations. 

Since having filed the original complaint, I received a letter ( photo attached ) from US Banks credit department dated XX/XX/2023. 

The letter states more reasons than was told me by the telephone conversations with employees of US Bank immediately after learning that my application for the credit card State Farm / US Bank invited me via a letter to apply for had been declined. 

By telephone, I was given only one reason for my application being turned down and that was but for having been granted too many new lines of credit by other companies within the most recent twelve months. ( In my original complaint I acknowledged the amount of the recent personal unsecured line of credit granted me by XXXX XXXX  in error at [ {$20000.00} ], when in fact the new line of credit with XXXX XXXX is for [ {$25000.00} ] ). 

The attached letter states multiple reasons for US Bank declining its solicitation to me via the United States Postal Service to apply for yet another State Farm / US Bank credit card and stating, We hope you are enjoying the State Farm / US Bank credit card the companies had granted me long ago that I have, in fact, enjoyed which is why I accepted their new offer to apply for yet another of their credit cards. 

Since filing my original complaint with CFPB, I wrote to the chief executive officer of US Bank, XXXX XXXX XXXX. I reminded XXXX XXXX that State Farm / US Bank had performed a soft pull of my credit standing BEFORE mailing to me its solicitation to apply for the Good Neighbor credit card and therefore the companies knew all of the reasons it stated for denying me their offer AFTER US Bank then pulled the hard pull it used to deny me their offer and that there was no more information that US Bank could have learned about me that it already knew from the soft pull. 

My learning that a soft pull was performed to qualify me to be mailed the offer only to be turned down with the results of the hard pull that hurt my credit rating is outrageous and is another reason for me making this second complaint with CFPB.
Consumer complaint received 2020-06-23
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. (TX)

I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD
Consumer complaint received 2020-06-23
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)

XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I opened a new checking account with Chase because of the new customer bonus promotion. On XX/XX/XXXX, I was issued a payroll check from my employer which was my first transaction on the account. I deposited this check via the mobile app. A 10-business day hold was placed since it was a new account. On the 10th day, I contacted them because it was still not released to my account. They then told me the account was restricted due to being unable to verify the phone number associated with the maker of the check on XX/XX/XXXX. I reached out to my payroll manager and called back with a list of possible matching phone numbers, but none were listed in the XXXX system. My account manager confirmed with me there were no other possible numbers, but that Chase had cleared the check and XXXX could not issue a stop for that check. On XXXX, I tried a 3-way call with my treasurer and Chase Fraud department , but no numbers matched. All phone numbers within my employer were accurate. On XXXX, they told me to bring verification documents to a local branch to scan in and request a release of the account hold. I did this on XXXX and was told to call back in 24hrs for it to reflect. I called back on XXXX and was told the documents ( pay stub, check, verification letter from employer, XXXX, and work ID badge ) were not accepted. I informed them the system did not have a correct number on file and there was no way to match it. Working with the branch manager and fraud department, they have said they will hold the funds indefinitely until a matching number can be found and will not issue them to me or void the transaction, despite not being able to match their incorrect number and providing numerous supporting documents.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I had a credit card that was fraudulently opened in my name and charges were consumed. I was informed through the credit bureau that their was a hit on my credit from it and that's why I'm disputing this as fast as possible so I can get my credit back to where it was. I'm also trying to buy a home when this all happened and it has slowed me from purchasing a home
Consumer complaint received 2020-06-23
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)

XXXX XXXX  XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX Account : XXXX XXXX XXXX Inquiries : XXXX  Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (FL)

There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.
Consumer complaint received 2023-03-07
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. (MA)

I was given the fraud alert number of Experian by you guys today XX/XX/23. However, I can not speak to a live person. I am victim of Id theft. The main number when you are asked to verify information asks if you want the credit freeze to be deactivated gives you an option to unfreeze it. However, the person who has my social security is able to unfreeze my credit and I have been getting notices that I have been denied credit due to info on my credit report that should have been frozen. I didnt initiate it the unfreezing of my account. I need to know what security features can be done with experian to ensure my credit freeze can not be done by someone with my social security number and zip code. Considering I get not notification that is being unfrozen this is a major security issue as well as having the person being able to disable the id theft alert as well.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A COMPANY NAMED : PORTOFOLIO RECOVERY ASSOCIATES, LLC. ( XXXX. XXXX  XXXX XXXX, VAXXXX ), ACCESSED MY PERSONAL CHECKING ACCOUNT WITH ROUTING NUMBER AND HAS BEEN EXTRACTING FUNDS FROM MY ACCOUNT WITH OUT MY PRIOR AUTHORIZATION, NO LETTER PRIOR HAS BEEN RECEIVED FROM ME, NOR I HAVE RESPONDED TO ANY PHONE CALL, FUTHERMORE HAVE B=NEVER PROVIDED MY BANK ACCOUNT NOR ROUTING NUMBER, FOR WHICH I BELIEVE THAT THIS COMPANY OTHER WAYS TO ILLEGALY OBTAIN PEOPLE PERSONAL INFORMATION .... I AM AN ELDERLY WOMAN AND I SURE THAT THIS COMPANY HAS ATTAINED INFORMATION FROM ELDERLYS WHO DOES NOT KNOW HOW TO DEFEND THEMSELVES
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently. They are collecting and damaging my credit for an account that isn't mine. 

The amount of the debt is reflecting {$450.00} on a loan. I have never taken out any loans and the balance continues to update and increase.