davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I have applied for a personal loan with USAA on XX/XX/2019. On XX/XX/2019, I attempted to pay off said loan. I called to pay it off but was instructed to submit the payment online. I did so and the account reflected XXXX balance in 2 days. I also received a letter that the loan was paid off ( attached ). I did notice however that the funds were not withdrawn from my checking account. I called to inquire from the bank regarding the reason funds were not withdrawn and they confirmed that according to their records the loan was paid off. I continually checked for 3 weeks, and the loan balance continued to reflect XXXX balance ( I last checked on XX/XX/XXXX, and the balance still reflected XXXX ). I then traveled internationally for a few weeks ( but checked by voicemail and e-mails regularly ). Upon my return and on XX/XX/XXXX, I received a call from a collection department stating my loan was delinquent. I was surprised and stated that I received no communication ( letters, emails, or calls ) from the bank stating such problem. They declined to admit any wrongdoing. I paid the loan off immediately. However, when I checked my credit report, I noticed USAA had reported me to the credit bureaus which negatively impacted my credit history/score. I called them and stated the amount of effort I took to insure this loan was paid and the lack of effort of their behalf to communicate with me. I asked them to reverse the credit reporting, to which replied, " sorry there is nothing we can do ''. I have contacted their customer service department and e-mailed their board of directors, without any responses. 

I am a XXXX XXXX XXXX, a practicing physician, a responsible citizen, and a XXXX loyal customer of that institution ( with no history of any delinquent payments ). I have an immaculate credit history. This is the only negative mark on my credit report, and this can cost me dearly over many years. 

I wish to reach a resolution with USAA.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

Chime bank sent a written statement to my account detailing their mobile check policy ( I have a copy ). It states 1 business day after check accepted I receive {$200.00} partial payment. Under this written premise i initiated mobile check deposit on XXXX. Check was cashed by chime on XXXX. Chime has since refused to place any of my funds in my account. I have not had money for a week. I have suffered severe financial damages. I do not understand how a company is so lacking in ethics, negligent, producing fraudulent documents to customers, yet still allowed to operate. There only response is " the check may hold for 5 days ''. It has been 6 days. Please help me i am out of options. 
XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020, I received fraud alerts from Bank of America credit card, I called them instantly. They asked did I make any purchased in XXXX. I told them no because I was still at work. They also asked me do I have my credit card with me, without checking my wallet or thinking my wallet would be missing, I told them I still have it. Then not long after that phone call, I received fraud alerts from my XXXX Credit Card regarding same thing. At then, I went to check for my wallet and only to find my wallet was missing. Then the same time I started to get fraud alerts from XXXX XXXX ( ATM card ). At that point, I called all my credit cards and banks ( XXXX XXXX and XXXX ) to freeze them. 
Between the evening of XX/XX/2020 and morning of XX/XX/2020, XXXX XXXX ATM card was charged {$350.00} and {$480.00} in XXXX  ( XXXX XXXX CA ) ; XXXX Credit Card was charged {$480.00} in XXXX  ( XXXX XXXX CA ) ; Bank of American charged {$220.00} in XXXX ( XXXX ), {$3.00} in XXXX ( XXXX ), {$20.00} in XXXX ( XXXX ), and {$15.00} in XXXX gas station ; and someone tried to empty my banking balance from XXXX for the total amount of {$15000.00}. 
XXXX Credit Card and XXXX XXXX both agreed that fraud occurred on XXXX through no fault of mine. XXXX also frozen my checking account at the first instant of fault, and not a XXXX lost. 
However, Bank of America declined my fraud claim stating that I gave permission for the person to use my credit card. 
I disputed Bank of America 's decision and sent in proofs that my wallet was stolen and all my credit cards/atm cards were stolen ( proofs include a police report, screenshot of text alerts from all of the credit cards/banks, timesheet to prove I was at work ).
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2020-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MN)

Applied for bank promotion of moving {$10000.00} in new money into a Marcus savings account and holding for 60 days after enrolling on XX/XX/XXXX. For doing so, I would receive {$100.00} interest. I had completed the requirements and waited until XX/XX/XXXX to verify why the promotion had not been paid to me. Upon calling in, I was advised that I had withdrawn {$10000.00} on XX/XX/XXXX, which supposed invalidated me for this promotion. 

As I got the offer via email, there is nothing in the offer that indicates that removing funds would invalidate this promotion in any way. 

See below for language : Annual Percentage Yield ( APY ) as of XX/XX/XXXX. APY may change at any time before or after account is opened. Maximum balance limits apply. A maximum of six ( 6 ) withdrawals or transfers per monthly statement period are allowed. 

Offer valid from XX/XX/XXXX to XX/XX/XXXX. To qualify for the {$100.00} Savings Bonus, you must first enroll in this offer at https : //www.marcus.com/us/en/savings/osa-savingsbonus-1 or by calling Marcus at XXXX  ( XXXX  ) by XXXX XXXX EST  on XX/XX/XXXX. Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. Multiple deposits are allowed to reach the required dollar amount and can be made by joint owners for a joint account. 

Offer available to new and existing customers. Each customer is limited to one bonus offer, which can only be applied to a single account. For eligibility purposes, each joint owner will be treated as a separate customer. For example, if you apply the bonus offer to a joint account, the remaining joint owner ( s ) may apply this offer to another account they own if they have not done so already. 

The bonus will be deposited into your account within 14 days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 

We reserve the right to modify or revoke this offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.
Consumer complaint received 2022-07-11
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. (PA)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Arete Financial Group (FL)

I was told by this credit repair consolidation company, Arete Financial Freedom that they would handle all of the debt we named. They were going to contact them as soon as possible. I was also told to contract my debtors and give them an email stating that the company would handle these issues, email, threatening letters and calls. This has not been done since I have had this debt consolidation company.I was also told that I would have to pay them around {$680.00} as of XX/XX/2019 and for 17 more months to start the conversation with the debtors as well as lowing my payments. 
My credit score has been dramatic declining and because of the error that this Arete Financial Freedom company hasn't been reporting properly. That the company has and threatens calls/emails has also been increasing. This wasn't told to me, I was told when I sent all of my debtor consolidation company name, address, email and phone number this awful situation I am in would not happened. My resolution is that every account that was part of this agreement with this Arete Financial Freedom company those accounts must be back into correct standing, and that the late payment be remove. Due to this error of this credit repair consolidation company, Arete Financial Freedom my credit is been damaged and needs to be corrected.
Consumer complaint received 2020-05-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (GA)

I opened a request for mortgage forbearance in XX/XX/2020. I submitted multiple forms and documentation that they requested to substantiate my hardship due to COVID-19. I had to submit these forms multiple times. No one responds by email and when someone contacts me by phone, I'm told I have submitted everything needed ; however, I received a collection letter in XXXX and a collection phone call in XXXX. 

My mortgage is backed by XXXX My understanding is that due to CARES I only need to state I have a hardship for my mortgage loan to be placed into forbearance. The requirement for documents has been a burden and the attempts to collect when the servicer knows I am in the process of requesting forbearance have a hardship has been confusing and stressful.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO MACYS DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc. (CA)

I filed a complaint with you guys - consumer finance and you received a response back from the collection agency which did not validate the debt nor provide any official and acceptable debt validation nor proof that it sent me debt validation at anytime. You, XXXX finance, closed the case so Im writing again in hopes that someone will hold the collection agency accountable and actually read what is going on before simply accepting their response and closing. 

I noticed on my credit a collection from state recovery systems account from XX/XX/XXXX. At no time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, was I notified that this debt existed. I wrote a letter ( not certified ) and stuck in the mail box to be delivered to State recovery system. In the letter that they claim they didnt receive, I asked for them to validate the debt by providing a copy of the original contractor from the creditor, a copy of the last billing statement from the original creditor, and dates of any billing information from the original creditor. I did not receive the requested information back then, and I have not received the information now. 

We are now in XX/XX/XXXX, and I have complained to the XXXX  and you guys and as a result, States Recovery System sent me a piece of paper dated XX/XX/XXXX indicating charges of {$510.00}. This is not furnishing proof of the debt as I requested - in the form of the original billing and contract from the actual creditor. 

I asked for the original billing and contract from the original creditor - not a made up piece of paper invoice from the collection agency. 

Please have them send me all original documentation from the original creditor including, the contract, the billing statement, and all documentation regarding communication between them and me in XX/XX/XXXXto validate the debt. 

If they are unable to provide proof of notifying me in XX/XX/XXXXand proof of the original creditors documentation of contract and billing, under the fair collection law Act, please remove this collection from the credit bureaus.
Consumer complaint received 2022-07-11
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: JPMORGAN CHASE & CO. (AZ)

I disputed a charge to XXXX XXXX XXXX XXXX store for over {$20000.00} because they had not started my project and I was canceling the project. They sent a chargeback letter XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  was ok with my canceling the project, and the letter told them NOT to credit me back, since they had already processed a temporary credit to me. They had until XX/XX/2022 to respond. I contacted Chase to have a refund check issued back to me for the credit balance on my account after XX/XX/2022. They indicated they couldn't, since the vendor hadn't repsonded. I contacted the vendor and told them they needed to respond to the chargeback letter. They faxed for form back inidicating they agreed to the credit on XX/XX/2022. They sent this to their merchant bank and also directly to Chase. I contacted Chase on XX/XX/XXXX. They indicated they did have the letter, but still wouldn't issue the money back to me. I have called several times since then and have been told different things each time. Sometimes it is that I will get a link, where i can put in my account number and routing number, and have it transferred to my account ( which I never receive ) - Ive been told this 4 times... never comes. I've been told a check will be mailed, it never has happened. No one can actually get the money back to me.
Consumer complaint received 2020-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

National Credit Adjusters recently attached a copy of some service agreement that does not even bear my wet signature. It has my name TYPED in. Nowhere on there is a place where I signed. This is actually getting pretty ridiculous. This agreement not validation that I owe anything. They to eradicate this erroneous debt immediately.
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX  XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (WA)

The fake Military guy, XXXX XXXX, reached me through my XXXX, said he is an Orphan, parents died XXXX old and was adopted by a priest, half XXXX & XXXX, and was a loner. I am older than him so he asked to be my brother. I have XXXX for a long time because of my violent marriage & go through a divorce now so I thought I need a friend/brother, he said he had XXXX too so we help each other. Suddenly he said he need to send me an important package to family of his Military Certificates & rewards through a delivery company XXXX XXXX XXXX with a tracking number, the rewards included a lot money inside. He will pay me back the fees I help him pay. I promise I just take back the money I paid fees and keep his money save until he got home in a month. I was XXXX completely following all his directions plus an delivery agent contacting by emails and text messages. The fake package was a security box traveling XXXX XXXXXXXX to US going through so many stopped by the fake Airport Authorities. They requested huge payment to get through gates {$5000.00} for across the border, {$10000.00} for Duty Stamp, {$47000.00} for Non-Inspection certificate just to go pass the Inspection. I was XXXX using all of my savings I saved for years to help a brother I believed a soldier in XXXX who need familys help. After paying all of my savings, the package is 90 % reach me, then they said the delivery was stop by FBI. They scanned and see all the money inside for {$440000.00} something and requested for Anti-Drugs certificates & Anti-money laundering Certificates for {$240000.00} to pay in total or they will put me into jail I told them I dont have any money left and I am a victim here. My brother even pretended to ask his Superior to help contact with FBI but they still requested payment. I told them I am totally broke & XXXX losing all the money I had paid {$63000.00} total before. They still insist that I will be in jail for money laundering. 
Long-short story about my crazy stupid Military romance online. I hope and wish no-one got XXXX and scam like me. I am in so much pain & depressed now and dont know what to do
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

I created my PayPal account in XXXX and I am XXXX citizen. 

In XXXX of 2021 I sold XXXX watches ( On XX/XX/XXXX ) and XXXX watch ( XX/XX/XXXX ) on XXXX XXXX XXXX XXXX and got paid with PayPal goods and services. Watches were shipped from within XXXX. It total I received {$1200.00}. 

Once buyers transferred the money it was held for 21 days since I recently created the account and was a new seller. After XXXX days money was released and I tried to transfer it to my debit card that was linked to my PayPal account. PayPal stopped the transaction and request an ID and receipts for items that I sold. 

I explained that it was my personal used watches, I don't have receipts for them but I provided passport. Customer service representative told me that they will resolve the issue. Next day my account was permanently suspended and funds were frozen for 180 days. 

I informed XXXX of the buyers. He asked me to refund him the money which was {$1000.00} and he would send it other way. I called PayPal and they refunded {$1000.00} on XXXX of XXXX to the buyer. Since it was paid with credit card it supposed to go to buyers credit card account. He never received the money. 

PayPal lifted my account limitation on XXXX of XXXX, 2021 and I was able to transfer the remaining amount to my card. I called PayPal many times over the course of 6 months, trying to resolve the issue and they told me that buyer needs to resolve it from his side. The buyer tried to resolve it and get a trace of transaction but PayPal did not provide any trace. PayPal told him that they don't know what happened and don't know how I was able to refund him after limitation. I have transaction record on my PayPal account and buyer also has transaction record of refund that states that it is refunded to his credit card. But he never received the money. Buyer provided me with all the proof and still in touch with me.