davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (CA)

This is a report of Identity Theft and fraudulent loan initiation by XXXX Prior to these events I had no awareness of or relationship with the company XXXX XXXX called my wife at XXXX XXXX  Monday XX/XX/XXXX to verify a loan request, she told them it was not a valid request. 
Shortly after, I received an email saying the loan had been approved so I called the XXXX customer service number to discuss it - XXXX XXXX I talked XXXX XXXX and explained that that any account on the site was fraudulent, and not created by me. He refused to help me unless I provided PII so I hung up. 
I logged into their web site, did an email password recovery and saw that there was a profile for me with a Loan ID : XXXX approved for {$1400.00} principal with a {$6100.00} payback amount over 6 months. 
I sent an email to XXXX notifying them that the Loan ID was fraudulent. 
I logged into the three credit agencies and put a freeze on my credit report. 
I then called XXXX XXXX and provided the Loan Number # and explained that it was fraudulent. I talked to XXXX, escalated it and as passed to XXXX in the Resolution dept. I explained that this load request was not made by me, is fraudulent, that the funds were not being sent to an account I control, and they needed to stop the fund transfer but they refused to do an immediate block on the transfer. 
She reminded me that the call was being recorded so I asked for a copy of the recording. She said she would put a note in the file with my request. 
XXXX recommended I send an email to the customer service email address- which I had done 30 minutes before but she said she could not locate. I resent the message. She then requested that I file a police report and send it to the customer service dept. and it would be reviewed in the next 24 to 48 hours - and then a determination would be made on whether to stop the funds transfer. 
I filed a report on this incident with the XXXX XXXX Police XXXX : General Information Incident Type Identity Theft Tracking Number XXXX This information was forwarded to the XXXX customer service email. 

On Tuesday XX/XX/2021 I called XXXX to confirm they had the emails from me and asked them to stop the funds transfer. I talked to " XXXX '' and he asked for a police report and indicated it would take 24 to 48 hours to review the information. I escalated and was transferred to " XXXX '' who I said they could not find the police report in my emails, so I sent it again. 
They reminded me that the call was being recorded so I asked for a copy of the call recording. 
" XXXX '' indicated that the load ACH transfer had taken place that day so it was not possible to stop it. 

XXXX XXXX Routing Number : XXXX Account Number : XXXX Account type : Checking
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2019-01-25
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received an email from Chase Bank notifying me that an unauthorized purchase with my Chase Credit Card was made at a XXXX XXXX Store ( # XXXX ) for the amount of {$1600.00} and {$2100.00} ( a total {$3800.00} ). Then and there I realized I have lost my Credit Card. 

I immediately denied making any purchase at any XXXX XXXX Store that day. I was later informed that Chase 's Fraud Department will investigate to determine the validity of the charges. 

On XX/XX/XXXX, I received a letter informing me that, after a " thorough '' investigation, Chase 's Fraud Department determined that the transactions were valid. Thereafter, I called and spoke with the representative who was in charge of investigating my case. I was informed that because my Credit Card has a chip, and that chip was used for the purchase, then necessarily I must have been the one to  make the purchase! 

Again, I told her I did not make the purchase. Someone who wrongfully took possession of my Credit Card used the card without my authorization, and in the process of said unauthorized use, he or she must have used the chip on the card to make the transactions. How that means that I must have been the one to make the purchases is completely without basis. 

I asked her whether or not she made any attempts to obtain the video surveillance at the XXXX XXXX store in question -- because certainly it will be unequivocal proof that the purchases were made by someone other than me. To which the representative responds that I am the one who is supposed to do so. 

Right after, I attempted to contact the XXXX XXXX store in question. I was told I needed to contact their corporate office 's fraud department, to which they transferred me to. The corporate office then told me that they can not release any videos without the order number of the purchases. Of course, I certainly don't have the order number -- I was not the one to make the purchase, and, therefore, I do not have the receipt or any information as to those purchases. In fact, it's clear that XXXX XXXX was in a better position to obtain the order number than I was -- after all, it's their store and they are the ones to keep records of transactions. 

It is clear Chase 's Fraud Department did not make the alleged " thorough '' investigation. It would appear that all the representative did was make sure that the Credit Card chip was used to make the purchase. This entire dispute revolves around the fact that someone else has possession of my card. He or she will and has undoubtedly used the Credit Card chip to make the purchase. Just because the transactions were made with the Credit Card chip in no way represents that it was made by me, especially given the circumstances that I did not have possession of the Credit Card. 

Now, in addition to this CFPB complaint, I am also filing a police report and a formal complaint with the FTC.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

My account was supposed to be closed several months ago my account has been blocked and I have been unable to obtain any information and I have been lied to numerous times. CitiBank financial group is one of the most unscrupulous banks I have ever dealt with in my life they have caused me such a financial hardship that I have lost my home I have been unable to eat unable to have a place to stay and Ive even had the belongings that I had put in storage because I lost my home repossessed and sold because I couldnt afford to pay my storage bill CitiBank hes promising they are going to send my money in a check and they have refused to do so they will not release my funds they have had my money since XXXX it is now XXXX this is completely illegal and a violation of the Department of banking and insurance guidelines and statutes nobody will do anything to help nothing has been done to fix this CitiBank always Replies with some ridiculous bogus response that looks like theyre doing the right thing when they are not doing anything at all the reason why I am making a complaint is another written formal Paper trail to prove what they are doing to me
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-29
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. (CA)

On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX XXXX  with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank XXXX XXXX XXXX XXXX is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to low XXXX because of this.
Consumer complaint received 2023-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Please reference case XXXX. Although your office has closed this case it is obvious no one has seen to the matter I delineated in my complaint. The gist is that Capital One has repeatedly ignored my the substance of my correspondence with them. I need PROOF that I agreed to XXXX XXXX XXXX 's terms at the time I became a subscriber of there service. That is they must provide a dated signed copy of the contract I entered into that allows them to keep the entire months fee rather than prorating that fee based on my cancellation date. This has been ignored REPEATEDLY. The last thing I received was a few pages that XXXX XXXX XXXX supplied that they think is sufficient. It is not. There was NOT the signed copy of the contract I require. It appears they sent a copy of the last bill they sent me along with a few assorted pages. ALL OF THE PAGES received are COMPLETELY UNREADABLE! Please review these pages and you will see just that that NO ONE could possibly read them. Therefore I have not received any justification for XXXX XXXX XXXX to attempt to charge me the entire months fee. As I have pointed out to you previously Capital One simply passes on this eyewash and denies my dispute. In addition as I've since seen on your website Capital One is banned from charging fees/interest in this dispute, but as of today XXXX XXXX they are doing just that to the tune of {$74.00} thus far. Someone needs to get their attention! I have been way more than reasonable in this matter. I have spent hours on the phone with Capital One, composed letters, emailing these letters at least 4 times. I was informed these emails were not forwarded to the dispute resolution team as they should have been so I again submitted my documentation, this time through their inconvenient " link '' process. Again, no one will address my issue at hand. How can these corporations be allowed due business in this manner?? Why is it that a convenient email can not be used to communicate with them.? It is obvious that they throw up as many roadblocks as possible to have someone " just give up ''. So, I am again requesting that your office make Capital One and XXXX XXXX XXXX do their jobs and provide me with the proof I require or admit that their claim is invalid. Please, please, please spend the time required to ensure they do just that. Thank You Very Much For Your Time
Consumer complaint received 2020-11-13
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: JPMORGAN CHASE & CO. (GA)

I was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : JPMCB Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

On XX/XX/2023 Transworld Systems Inc ( XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone # tel : XXXX ) reported to my credit file an account on behalf of XXXX. This account is not mine. I have never had an account or any agreements with XXXX or Transworld Systems Inc. I have not received any notices from XXXX or Transworld Systems Inc. The only notice that I have received was a notification on my credit file. I have tried reaching out to Transworld Systems Inc and have been unsuccessful. I have reached out to the creditor XXXX and they have verified that this account is not mine. I am requesting that Transworld Systems Inc remove their claim and my information from their system and from my credit file as this has adversely affected my credit and is affecting my business and life.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MO)

PayPal permanently banned user from using the PayPal service for false and undisclosed accusations of violations of the service 's user agreement. At no time prior to the ban being placed was the user contacted for input, explanation or self-defense, and the company refused to provide any details to the user concerning why such action was taken by company. User had no warning and no recourse.
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (NY)

I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( XXXX ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b
Consumer complaint received 2021-11-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. ()

I am doing a XXXX XXXX XXXX in XXXX at an officially recognized university ( XXXX XXXX XXXX XXXX ). I have been trying to submit my in-school deferment application to Navient for over a month now. I have submitted it 3 times, but there is no acknowledgement of this. I keep getting emails saying there's a new document to view, and when I log in, it's just documents saying they have forwarded correspondence from my old address to my new address. I have never gotten a letter from them at the new address. They don't show any confirmation of my deferment status. They denied the first attempt because I was lacking attendance dates, which I since added and resubmitted. Since then, nothing. It says on their website that official documentation can replace a school official filling out their part of the application. Also, the university confirmation states that it is a valid document without a signature. Also, during covid times, it is hard to find anyone still working in their office to sign anything. Meanwhile, my account is now 2 payments past due.
Consumer complaint received 2021-06-21
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. (AL)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2023, I sent written correspondence to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, MA XXXX ( address as identified on my Credit Report at that time ) disputing the debt and requesting verification of the debt. I additionally provided the company with an offer of resolution of the debt. In XX/XX/2023, I additionally submitted a dispute of the debt with XXXX. The company verified the debt with XXXX almost immediately, but the company has yet to respond to my dispute and request for verification of the debt owed or respond to my offer of resolution. I have requested all correspondence in writing and have received no correspondence from the company since my attempt to resolve this debt collection and dispute. The original creditor is attempting to collect on a charges that were created and established after the account was closed and the policy was cancelled. I am disputing the charges and dates of charges and requesting the company provide me with a detail and itemized listing of charges from the creditor and respond accordingly to my request for debt verification or delete the account from my credit report.
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Celentano, Stadtmauer & Walentowicz, LLP (NJ)

The law firm of Celentano, Stadtmauer, Walentowitcz, LLP ( " debt collector '' ) has continued to notify me by mail about a medical debt that is incorrectly directed to me ( XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX ), as I am not the primary account holder or member name of the group medical insurance policy associated with the false claim, and the claim is baseless as the insurance provider ( XXXX XXXX XXXX XXXX ) paid the agreed upon rate for this claim, and the hospital ( XXXX XXXX XXXXXXXX XXXX ) is simply abusing the billing process and adding additional out of pocket costs to my family. 

I have attempted to contact XXXX XXXX XXXXXXXX numerous times via phone about this claim to dispute it, but their customer support lines have wait times over over an hour in most cases. 

I have had email communications with XXXX XXXX XXXX at the above mentioned debt collector, last being XX/XX/2023, explaining the incorrect nature of the two claims ( incorrect person as the member name ( account holder ) of the insurance, and the excess charge for agreed upon rates already collected ). The information and documentation provided by the debt collector clearly shows the discrepancy in the member name as the primary account holder with XXXX, XXXX XXXXXXXX ). 

On XX/XX/2023, I received another postal letter from the debt collector, saying a lawsuit will be filed against me no earlier than XX/XX/2023 in regards to this matter. 

XXXX XXXX