davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

I bought a printer and a laptop from Best Buy on XX/XX/XXXX on credit, at the time of purchase I did not know I had to have a membership with Best Buy before I could shop in the store so I was charged a membership fee of {$200.00} in addition to the price of the items. On XX/XX/XXXX, I paid off the balance of {$1700.00} which included the membership fee. The store sent me a receipt that my account balance is XXXX on XX/XX/XXXX. 
On XX/XX/XXXX the store sent me a bill of {$250.00}, though I had not bought anything from the store since my last purchase which had been paid off. I contacted them on this bill and I was told it is membership renewal fee, and I told them I don't need the membership so I want it cancelled. On XX/XX/XXXX, I received a confirmation that the account has been cancelled. 

On XX/XX/XXXX I still received a bill for {$83.00}, I called them back to dispute the bill, I was told the account has been cancelled. Since then the store ( BestBuy ) and XXXX XXXX who manages their credit system have been harassing me with mails threatening me to pay this amount that I do not know anything about and every dispute to them doesn't work. I need help to stop both Best Buy and XXXX XXXX from demanding money I do not owe from me. 
Thanks.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-03
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: Phoenix Financial Services LLC (TX)

I kept receiving letters regarding a medical debt from XXXX XXXX from the orignal creditor XXXX XXXXXXXX XXXX XXXX, I informed them this was not my debt and fraudulent and issued a cease and desist. They since sold this debt to Phoenix financial services which they contacted me about. I informed them this was not my debt and disputed it with themselfs they sent information saying what verified this debt basically wrong last name address is wrong correct previous street wrong apt number, no social security was provided at visit and also no ID was shown at the time of visit and no Insurance given which I have Insurnace. Further said this is clearly not my debt and fraudulent. But apparently that was enough for verification. So I issued them a cease and desist letter too as for 2 years nothing showed on my credit report as I assumed it couldnt being incorrect info. Now last month it appeared on my report. I contacted XXXX and disputed this explaining this was identity fraud at a emergency visit and that its not my debt I expected this to be removed but they have certified the debt is valid even with a misspelt last name and what is a blatant attempt at fraud. At this point I want them to stop reporting the debt on my credit report as its not mine. I am in contact with my attorney who advised i and contact yourself first to dispute before taking appropriate legal action. Please inform if you can help with this debt, so I can proceed as needed. 

The amount is for {$520.00} and the account was opened XX/XX/2022 on my report.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (RI)

On XX/XX/XXXX, I received several text messages from Paypal 's fraud department asking if I was attempting to make a payment of XXXX. Paypal also sent me emails indicating that there was unusual account activity. I denied those messages TWICE as they were clearly unauthorized transactions. I changed my password both times. Later that morning I got an email saying the XXXX was authorized and completed and also that a monthly automatic payment had been established with the vendor!

I immediately disputed the charge as unauthorized and ended the billing agreement with the vendor. For whatever reason, Paypal DENIED my request for a refund and indicated that it was not unauthorized activity. I was confused by that because 1. The item was being sent to a person and address that was not associated with my account and 2. Paypal is the one who notified ME of unusual activity via text and email. 

I spoke with XXXX at customer service around XXXX who said the case was denied because I " selected the wrong case reason '' which is completely untrue. They claimed to reopen it with the correct case reason but now it reflects that " I didn't get my merchandise ''. She said they will be looking into the fraud but I still don't know if I will be receiving a refund. I am definitely concerned that there is a bigger problem here with a Data Incident breach as these cases usually can not be reopened or appealed.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted XX/XX/ to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. Although they continue to report many accounts that have been long closed for seven years or more my state law states they can no longer take action on this debt.
Consumer complaint received 2023-01-31
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: WELLS FARGO & COMPANY (NC)

I have a credit card with Wells Fargo Bank. In XXXX of 2022, while I was on a trip in XXXX, XXXX, my credit card was used ( not by me ) to make a fraudulent transaction in the amount of {$890.00}. I did not make this transaction. As soon as I retuned from XXXX, I checked my credit card statement and noticed this fraudulent transaction. I immediately reported it to Wells Fargo. 

According to their own policies, Wells Fargo has the responsibility to reimburse me for any fraudulent transaction on my account. After several phone calls to their Credit Card Fraud Claims department ( I believe 5 phone calls so far ), Wells Fargo refuses to fulfill their responsibility and reimburse me for this transaction. After many phone calls, they finally sent me a one-page incomprehensible document ( attached here ) that they claim proves that I made the transaction and not someone else. It should be noted that they based their investigation based on this one page. 

At this point, I have no choice but to report Well Fargo to CFPB and hope you can resolve this issue. I have been a customer of Wells Fargo for over 8 years and had never claimed a fraudulent transaction until now. The one time that I fall victim to a financial fraud, they refuse to make me whole. 

I really hope you pursue this seriously. Given the history of this bank, I would not be surprised if many other customers are experiencing the same problem.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (LA)

My debit card was compromised and I was advised by bank that the card would be deactivated. I explained The only access I have to my checking account is through a debit card as I am in Louisiana and there are no PNC Branches in the state. On XX/XX/23 I paid {$25.00} to have the card expedited which would fast track delivery in 3 days. Ive made numerous calls to Pnc been given the runaround regarding when the card would be sent. I was told that the card was already in route on multiple occasions and the card still has not arrived. I dont have access to my money and need food, gas and to pay bills. The bank is either unable or unwilling to assist and I seek your help. I have a solution and I need the bank to assist in contacting a branch in Florida, and having the branch print a card and then overnight it to me. XXXX willing to pay the fee for the overnight delivery. Please help because XXXX Pnc is doing to me is absolutely abusive.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RENASANT CORPORATION (MS)

I have a checking account with renasant bank. When I opened the account I was told to opt out in order that my debit card would be declined if I tried to use it and I had insufficient funds to cover a transaction ; however I was not told that I needed to sign a form requesting that checks, bank drafts or other payments be rejected for insufficient funds. So in one year I have paid over {$2000.00} in overdraft charges because they paid all transactions regardless if the money was available or not! In one week alone I paid 6 overdraft charges of {$35.00} each! I am disabled and live on a fixed income! My husband and me have had to deal with this everyday almost the entire time weve had this account! Weve called, and recently were told that we needed to sign a form in order to stop items being paid to avoid more overdraft fees! But it continues! Now because of their excessive overdraft charges they refuse to cash or deposit an insurance check made out to my husband and me for a claim we filed when my husband had a car wreck! They have financially ruined us and I wont stop until they are held accountable and we are reimbursed for these fees! This has to be made illegal! Also often times we would make a deposit the same day as a transaction came thru and they would claim it beat our deposit! So guess what! Another overdraft fee! This bank is in XXXX Mississippi XXXX. I will find a lawyer to hold them accountable
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Do not call me with no answers. 

You are about as negligent ( cause of action ) a servicer as I've ever witnessed. 

I sent you certified mailing requesting specific and particular responses and items. 

The audacity of you to simply call with no answers just trying to eliminate a problem then send a password protected message with no password. 

I'm tired of wasting my time with you. Now you need an attorney, and the first two causes of action are and will be Negligence and Breach of Fiduciary duty as well as violations of the XXXX. If Florida Corporations must be represented by counsel in a court of competent jurisdiction. One such bank thought like you and yesterday their CEOChairman stepped down. So let XXXX XXXX know I'm on the way. 

You don't even speak proper English why did you waste my time even ringing my phone with nothing to say. XXXX and XXXX 's as well as XXXX  require answers or they are actionable.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

In have a massive issue with Experian. They took no extra precautions when they allowed someone not only to access my account, but change ALL of the information regarding my account, EVEN the security questions. I believe on XX/XX/2023, I called and spoke to a person instead of an automated system, after a few weeks of trying. I talked to a male representative, who said he would escalate my case, send an inquiry about resetting my security questions, he had me make a pin, and everything .... just for me to try to see if I could retrieve my login information, and have it get sent to the Scammers email a week later. I went through a lot to try to get on the phone with someone just for them to waste my time and leave me vulnerable to getting scammed AGAIN. Experian makes it clear that they don't care about their customers, let alone their information. No wonder there was a lawsuit against them.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (PA)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-11-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have taken pictures of the last XXXX statements Ive received and I have noticed theres a significant amount of increase! I dont know if this increase is correct and XXXX asking consumer financial protection bureau XXXX take a look into my increase and see if its correct because XXXX having a very hard time paying my mortgage! If the increase is correct, I will have to pay my mortgage but if the increase is not correct the bank should be held liable for their mistake. XXXX also afraid I will lose my home due to this increase. Please take a look. Attached are the statements as follows : XXXX of XXXX, XXXX of XXXX and XXXX of XXXX Thank you!
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, I received a notification from Chase bank that a new wallet account was successfully set up ; I did no such thing, so I immediately logged on and saw XXXX pending charges ( in XXXX no less ) that totalled {$4500.00}, so I immediately called the bank to report the fraud. It was the same day, and Chase set up an investigation. I have never withdrawn money from my account so egregiously. They credited my account, but then concluded that I authorized these charges. They then took back the money, including exchange rate fees, and overdraft fees. My account stands at a negative balance and Chase is threatening to report this to XXXX or more reporting agencies. 
I have spoken to supervisors, filed identify theft report, a police report, and am waiting a second investigation. However, I've had to open new accounts elsewhere, totally disrupt my life, and take XXXX in order to deal with what seemed to me to be a fairly obvious appropriation of my debit card. 
It's going on XXXX month of this back and forth with Chase. I've been with them for over 10 years and a quick review of my accounts would reveal that I've never spent money so frivolously or put myself in such jeopardy.
Consumer complaint received 2023-01-31
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. (CA)

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and Transunion that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report