davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

On XX/XX/20, I purchased {$1000.00} worth of gift cards at XXXX   using my personal Citi debit card. They were for my boss and he said I would be reimbursed for the next payroll. 

On XX/XX/20, I found out it was not my boss that emailed me purchase gift cards and I found out I was scammed. I called Citibank that day but their fraud department was already closed. 

On XX/XX/20, I went to the police station to file a report and called Citibank to let them know that I was a victim of a scam and did not authorize the purchase as I was manipulated in doing so and so they opened a case that day. 

On XX/XX/20, they gave me a provisional credit to my account while they investigate the case. 

On XX/XX/20, Citibank sends an e-letter deeming me responsible for the {$1000.00} transaction. I called them again to see if this could be appealed. The customer service rep I spoke to informed me that she could dispute the case again but it doesn't look like they re-opened the case as I see there are no new messages from Citibank 's message center.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OR)

I have attempted to contact midland funding on three occasions regarding this debt. First attempt was in XXXX 2017, XXXX 2017 and in XXXX 2017, they have repeatedly called and have sent me harassing letters. They do not understand that this is not my debt.
Consumer complaint received 2017-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX multiple unauthorized ATM & debit transactions were made on my business account totaling {$14000.00}. I reported this to the bank as soon as I found out upon checking my account balance as I was not notified. I found out that someone falsely represented me on the phone and called to change my business address in XXXX 2017. I was told account notifications were turned off and that my limit on the amount of money to withdraw in one day was raised. In XX/XX/XXXX a new debit card was sent to the fraudulent address. XX/XX/XXXX a pin # was sent out to the same fraudulent address. On XX/XX/XXXX, a {$3000.00} account transfer was done from my personal account to the business account and {$2500.00} from my business savings transferred to my business account and then multiple ATM withdraws ranging from $ XXXX {$3000.00} were made along with 2 transactions at XXXX totaling {$2900.00} each. Total amount stolen was {$14000.00}. <P/>I filed a claim with Chase and had to file 2 separate claims : 1 for the ATM transactions the other for the debit transactions. <P/>I filed a police report, claim # XXXX. <P/>XX/XX/XXXX, Chase informed me they 're denying the dispute for the debit transactions because someone called representing me and " authorized the transactions '' and had the debit card & pin # for the card and they are reversing the temporary credit on my account in the amount of {$5800.00}. <P/>All of these unauthorized transactions occurred because Chase allowed someone claiming to be me to make changes to my account, including my address, account notifications, travel suspension, increase spending limits, and request new debit & pin #. Chase failed to protect my account and my personal data which was used to steal XXXX. Chase has failed to fully investigate this situation fully and to resolve it in a reasonable manner. <P/>I have been in contact with XXXX corporate regarding the debit transactions, they have video footage available and are willing to give the money order numbers that were purchased. They said Chase bank would need to open a claim with XXXX 's loss department, but Chase has not contacted them regarding my situation, neither has the police. <P/>I am a small business owner. I own a XXXX XXXX  licensed by the state that can not move locations easily or frequently. I am disappointed that Chase failed to notify me at my address, email address, or phone number regarding any of these changes or transactions and that they failed to protect my money and are failing to take corrective action to resolve this issue.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On  XXXX   XXXX ,  2017 I received a letter ( co py enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you  may  have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

In XX/XX/2019 I opened an additional user credit card in my XXXX XXXX XXXX Mastercard for my XXXX year old son. During that time I had set up alerts on my card if transactions were made I would know about them. My son made 7 small transactions with XXXX during the first month he had the card and before the first statement was issued. Whereas I was notified of the charges which were between $ XXXX- {$10.00} Barclays never notified me through alerts that they were applying a {$10.00} Cash Advance Fee to each charge. For example, a XXXX charge was done on XX/XX/XXXX for {$1.00} and Barclays charged a {$10.00} Cash Advance fee without alert. No other credit card treats XXXX transactions as Cash Advances. XXXX XXXX charges 3 % of the total transaction for example. Barclays never notified me they were treating them as Cash Advances in any Agreement or through the alert system I had set up with them. At the end of the month when I received the bill I contacted Barclays and was told under no circumstance despite their deceptive practices they would remove the charges. I spoke to multiple representatives and supervisors who were rude, obnoxious and completely unprofessional. As a result I cancelled my card which I had for years without incident and refused to pay the bill. I'm willing to pay the bill less the {$70.00} in unlawful charges but Barclays has instead now decided to wreck my perfect credit. I'm asking the CFPB to look into the deceptive practices of Barclay 's on cash advances with XXXX and have them remove this information from my credit report. Barclay 's has probably collected millions of dollars from thousands of customers with this deceptive practice.
Consumer complaint received 2020-03-08
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: DriveTime (AL)

I advised the companies that my information had been compromised from me sharing personal information via texts. I had various unconsented and unrecognized inquires on my report. I sent out letters asking that they are deleted and explained the situation along with sending screenshots to the companies of the texts that compromised my information. They didn't send me any proof that I gave them consent to review my credit, nor provided any solid proof that the inquiry actually came from me since ALL of my personal information was compromised.
Consumer complaint received 2020-02-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXXI XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$31.00} XXXX  XXXX {$31.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Bureau (LA)

I sent certified letter to Account Control Bureau, which they received on XX/XX/2017. I have tried and tried to collect data from this company with no response. I requested validation of this account, bearing my signature. It has passed their 30 day mark, I then sent them a second letter, and again, I have gotten no response from them. They also did NOT mark my credit report disputed.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

The lender has failed to respond to our QWR and Notice of error request sent on  X/XX/17    and are proceeding to sale set for  X/X/17    - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

I have attempted multiple times to remove this debt that does not belong to me from diversified consultants. The company mail information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.
Consumer complaint received 2020-03-08
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: EQUIFAX, INC. (FL)

IN RESPONSE TO EQUIFAX WHERE THEY ON XX/XX/XXXX SENT TO XXXX XXXX XXXX, UNDER THEIR CONFIRMATION # XXXX, WHERE CHANGES MADE TO MY CREDIT REPORT AND WHAT ACTIONS WERE TAKEN. 

EQUIFAX STATED WHERE I CAN PROVIDE ADDITIONAL INFORMATION ABOUT MY DISPUTE RESULTS WITH ADDITIONAL INFORMATION AND I AM COMPLYING. 

I AM COMPLYING AS REQUESTED BY EQUIFAX BY PROVIDING A COPY OF MY LETTER TO THE Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Re : Case # XXXX : XXXX XXXX  XXXX/XXXX  XXXX. 

Where XXXX XXXX  XXXX/XXXX XXXX violated the following Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) The credit cards issued under accounts # XXXX opened XX/XX/XXXX and XXXX opened in XX/XX/XXXX was an illegal act by XXXX XXXX   XXXX/XXXX XXXX.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Certegy Holdings, LLC (TX)

For the past year and a half I have been unable to write a check because of the bad references a company called Certegy has been giving retailers such as XXXX and XXXX here in XXXX, Texas. The information involves NSF checks that were paid off and also covered under my bankruptcy filed after the NSF checks were paid in full but remain on negative reports used to deny me the ability to write checks to this day. Certegy has been notified of my bankruptcy and continues to disregard the protections afforded me by the bankruptcy and the law that protects consumers after bankruptcy has been filed, such as reporting of debts incurred before the filing.
Consumer complaint received 2020-03-08
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: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2020-02-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BlueChip Financial (GA)

This company repeatedly called my employer. Today XX/XX/20 I got a note from my employer and was told that XXXX XXXX was very rude and told them that it was a legal matter and I could be going to court. I called them back at XXXX and asked who this was for. Spotloan. And he stated that I was going to be persuaded for theft by taking. I tried to tell him if I allegedly owed this loan, what's this about. He said a settlement or face going to court. That they were calling for XXXX XXXX to try to come to an agreement. And asked what I could offer on a XXXX dollar bill. I said XXXX. He said let me check. Then this supervisor came on with this I don't care what you do either pay or go to court. I ended up agreeing to make payments and they made me attach a card number saying that if I didn't the offer would be void. I had told them I never received correspondence from spotloan and they said that's impossible and then told me it was in collection and I may have ignored it.
Consumer complaint received 2017-06-01
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 (IL)

American Express is c harging late fees and threatening to report me to credit agencies for a dispute. The disputed charge is for an unsolicited  XXXX  ride on  XXXX / XXXX / XXXX  for {$40.00}. Late fees of over {$200.00} have been added to m y American Express account as well. Despite me having contacted American Express  in  XXXX ,  XXXX ,  XXXX  of  XXXX  and  XXXX  of  XXXX . I spoke to  American Express  representatives,  XXXX   XXXX  and  XXXX  about this  matter.As of late, several American Express employees such as  XXXX   and  XXXX  continue to harass me and call my private mobile to tell me that they have sent my information to deb t collectors.Also, up until this very day, I am still unable to use my AMEX points bec ause of the present issue. These points were earned independent of this issue.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One needs to be fined! They absolutely refuse to help with the payment of XXXX accounts that are past due. They will not lower the interest or the payment amount!!!! I thought this was mandated by the federal govt????????? And they keep giving {$35.00} a month late fees, make them stop that!!
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Equifax : Today XX/XX/XXXX problems continue. I tried on XX/XX/XXXX, and XX/XX/XXXX to get my credit report. The Equifax program failed both times. As a result it shows that I received the report on me 2 times. But I never did. It will not permit another intent.Due to Equifax failures I have not had an up-to-date / valid report from Equifax in years. Equifax would not update / correct my residence address even though I submitted the requested forms in the format requested. The last address they listed was in XXXX - a mail service which I have used. They muttled that too. 
The reason for request is that there is a fraudulent collection report for something in the USA when I have not lived in the USA for years! The online Equifax dispute program does not function because Equifax shows a " File Blocked For Promotional Purposes ''. What? 
I have an ID & password with Equifax. That should permit me to do all that I need to do. 
The Equifax telephones ALSO DO NOT FUNCTION to talk to an agent. 
Also, I have lived in XXXX for 23 years. XXXX has its own credit system. The only info which Equifax may legally have related to me is historic. 

Also, I have just learned that I am a victim of the Equifax XX/XX/XXXX data breach. This further entitles me to assistance clearing up errors in their files.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (AL)

The original debt was with a timeshare we signed up with and then backed out of. We paid the amount of {$5300.00} with our Barclays Card in a down payment and we subsequently paid it immediately with our XXXX XXXX checking account for a product that would not work so we CANCELLED as called for in our agreement We called our bank to refuse the charges our bank refunded the balance ... ..When the charge then showed up on our credit card we spoke with Barclays and disputed the amount with the card as fraudulent because the product didnt work as promised. The travel company. Cant remember the name ... .refused to reverse the charges and BarClay then refused to credit the amount to our account and started collection procedures. The travel agent actually lives in XXXX so we cant reach him and we shouldnt have to.contact him This account got confused with amother travel account with the same name PRIVILEGES  which we paid for and used all the rewards from it. Because of the confusion of one working and one not working Barclays was under the impression we owed for the XXXX transaction as well. We refused again to pay so they again started collections. Please help us get this DELETED from our credit report. Im XXXX yrs old and dont NEED credit but am a XXXX and dont want this on my record cause its a debt I do not own or owe.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I was notified by XXXX XXXX that Equifax refused to give them my credit report in order to complete the refinance process on my mortgage. I also can not access my credit file, stating my information doesn't match what is on file. I was told via a customer service call to send a fax with identifying information to have a fraud alert and freeze removed. I sent the request information and followed up with a call to Equifax XXXX XXXX, the customer service agent assured me that the fraud/freeze was cleared on XX/XX/2020. conf number XXXX. As of XX/XX/2020 neither myself or XXXX funding has not been able to access my credit file. I am un able to close the refinance loan due to this awful situation. I am beyond frustrated. the loan processes sent me an email confirming that Equifax is stating that I am the customer have declared the inquiry as potentially fraudulent or misused, therefore the credit report is not available for delivery. 
Please help me get this resolved. Time is of the essence thanking you in advance email to loan processor : XXXX XXXX XXXX To : XXXX XXXX   XX/XX/XXXX at XXXX PM HELLO Thank you for this information. I will be filing a complaint with the consumer financial protection bureau requiring this matter. They have reassured me twice that there is no issue with my file. You have here evidence that there is a problem with my file. 


Meanwhile, my file is standing a a standstills and we are unable to move forward on this refinance. Frustrating! 


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Consumer complaint received 2021-10-29
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: DISCOVER BANK (PA)

On XX/XX/XXXX I just received the report sent to us by Discover about their findings which are completely irrelevant from my previous complaint. It broke down everything from the payments we made to the disputes/fraud charges with XXXX. We made payments during the fraud/dispute charges because we had previous purchases that we had made on our discover card that we were trying to pay off. That is the only reason we made those payments. We did not discover the XXXX charges until we received our bill in XXXX in which we called discover and my husband called XXXX about this. When XXXX would not call us back that was when we kept calling discover. We did billing disputes first because we were not sure what to do since this had never happened before. We were then told by the billing department that we needed to do fraud charges. I added my husband as a user in order for him to bring his credit score up for when we build a house. His credit card through XXXX XXXX was also hacked and his account through them is currently closed because of this. I have new findings that show there was XXXX deposited and XXXX withdrawn. I wish we had this money, but obviously we don't because we did not do this. If we did obviously this would be paid off and wouldn't be an issue. It also shows a credit card listed on his XXXX account ending in XXXX. We do not own a card ending in these 4 numbers. My guess as to what happened is whoever hacked my husband 's account withdrew the winnings to his XXXX XXXX account then to the credit card ending in XXXX. This shows that this was fraud. I am going to upload the new finding documentation below. I am not paying this amount of XXXX that us currently on my discover card because they are fraud charges. When my husband first opened his XXXX account he did sports betting only and hasn't done that since XXXX. He did upload his winnings then to his XXXX XXXX account ending in XXXX. He has not used his account since XXXX and since all of this has happened he has closed his XXXX account-to where he can't do anything, and his XXXX  XXXX account.