davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY (FL)

I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. 
I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX Husband had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. 
I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. 
I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XX/XX/XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. 
Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX
Consumer complaint received 2020-04-30
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2021-08-30
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. (NC)

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} Equifax : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/21 at approximately XXXX XXXX  I purchased an XXXX XXXX flight on XXXX and paid with my Discover credit card. As part of the transaction, I purchased and was charged by XXXX {$130.00} for four ( 4 ) seat selections/upgrades. However, after the transaction went through and I received my flight confirmation emails, it became clear that the seat selections/upgrades had not actually been provided or reserved by XXXX. I confirmed with XXXX XXXX that there were no seat selections for my flight, so I contacted XXXX the same day as the purchase was made ( XX/XX/21 at approximately XXXX XXXX ). After some review and placing me on hold, XXXX 's customer service representative advised me that she had confirmed the seats had not been reserved so XXXX would be refunding me the {$130.00} and instructed that I would need to purchase my seat selections/upgrades directly from XXXX XXXX. Pursuant to XXXX 's instructions, I went ahead and purchased my seat selections/upgrades directly with XXXX XXXX on XX/XX/21 at XXXX XXXX. Specifically, I was able to purchase 3 out of the 4 seats I had originally tried to book with XXXX ( 1 of the seats was no longer available further evidencing that XXXX never booked the seats ). I waited a few weeks for the refund to hit my Discover account, but it never did. I attempted to contact XXXX again but apparently due to COVID they would not accept customer service calls unless you were within a week of your flight 's departure date (! ). Accordingly, I initiated a dispute of the {$130.00} charge with Discover. I provided Discover with copies of the emails I had received from XXXX, proof that I had purchased the same seats again directly through XXXX XXXX, as well as a detailed recitation of what had transpired. Despite the foregoing, on XX/XX/21 Discover advised that XXXX was asserting that the charge was correct and that Discover had also somehow determined that the charge/transaction was " valid ''. In other words, Discover - despite being in possession of evidence demonstrating that XXXX had charged me for goods/services that they never actually provided to me ( i.e. committed fraud ) - allowed the fraudulent charge to remain on my account. As a result, it became clear to me that Discover ( i ) was not looking out for my best interests, ( ii ) lacks integrity, and ( iii ) its dispute resolution procedures are entirely arbitrary and capricious - so I have since closed my Discover account ( I believe I was their customer for approximately 10 years ). Not much I can do against either party ( XXXX and Discover ) except submit the instant complaint and potentially file suit. I have had a few similar charge disputes with other credit card companies and NEVER had a issue like this before.
Consumer complaint received 2021-03-17
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I feel like LoanCare and XXXX XXXX XXXX are preying on those that needed and asked for help during COVID by destroying our credit reports. The only response the call center gives is " well that's how we're allowed to report it ''. This reminds me of the predatory policies that XXXX XXXX  XXXX and XXXX XXXX were caught doing. My hope is thatI can get some help and this complaint sheds light on a malicious policy that is intended to cause long term harm to consumers. I have submitted a ticket ( # XXXX XXXX but received no response yet. 

XXXX has inaccurately and purposefully reported my account late for 6 months of 2020 while in forbearance and has refused to correct the error. My VA Home Loan was approved for a 180-day CARES Act forbearance on XX/XX/2020. I understood that my payments from XXXX to XXXX would still accumulate but would not be reported as past due. A forbearance was meant to protect us after my wife was unable to work due to XXXX restrictions. I understood that only those approved payments XXXX XXXX to XXXX XXXX would be protected from derogatory credit reporting. When my CARES Act forbearance was approved, we were past due for our XXXX payment which I knew would remain past due until paid. To me this meant that XXXX would become XXXX, XXXX, XXXX, etc days late until paid because the other months were protected by the forbearance. That is not what happened, LoanCare marked XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX as 30 days past due. They marked nearly every month of the forbearance as past due plus XXXX and XXXX. I made payments throughout my forbearance and did not request a modification, choosing to pay the remaining balance in XXXX despite receiving an extension to XXXX. I paid the balance in XXXX then made on time payments moving forward but XXXX and XXXX were still listed as late in error. I was legitimately trying to get caught up and end my forbearance as quickly as possible. Below and attached is my payment history before and after the forbearance : XX/XX/2020 : Approved for 180-day CARES Act forbearance XXXX XXXX balance is past due ). 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX, XXXX, and XXXX balances. 
XX/XX/2020 : I requested and they approved to end my XXXX XXXX forbearance early. 
XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance I do not see the reason to have a specific policy of marking months during an approved forbearance as past due. It is even worse for LoanCare to defend such a damaging policy by saying that they do it because they're allowed to. This is in no way the right thing to do to anyone, especially those that are seeking aid during a incredibly difficult time.
Consumer complaint received 2022-01-09
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. (NY)

Dear Sir or Madam, I checked my personal credit report on XXXX XXXX  which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called capital one late in XXXX  about this matter and was assured this would be handled as I do not have any new credit cards with them.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I asked for for my forbearance to be applied with Navient they however didnt apply it to all my loans in which they were reporting me 150 days past due I reached out to them and they said in XX/XX/2020 they couldnt remove the reporting there agent neglect to put all my loans under forbearance thats not my fault if I requested my loans be in forbearance they have not reported 51 late payments to my credit for over two years
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report and saw inquiries I did not recognize contacted the bureaus created a fraud alert and made a ftc complaint the inquiries do not belong to me the companies of the inquiries : TRANSUNION INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have never authorized these inquiries. I have never gave anyone permission for these inquiries. I do not have accounts connected with these items. I do not know the origins of these items. I do not recognize them and I want you to delete them because its a fraud!!
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

The united revenue corp posted a {$1300.00} collection on my account and I have not been to any hospitals or received any medication from any kind of medical institution. I have reached out to get the account disputed but I have heard nothing back! It has been passed the 30 day period! And I need something done about this ASAP!
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. ()

Customer : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, New York XXXX, United States, tel. XXXX on XX/XX/2021 XXXX smartphone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Purple ) for {$730.00} using his credit card XXXX XXXX XXXX XXXX issued by Chase Bank. 
Item customer ordered was shipped and delivered by XXXX : XXXX on XXXX XXXX. Customer informed us on Mon XX/XX/2021 XXXX that he received wrong model - XXXX XXXX XXXX which is XXXX years old now. THIS IS ATTEMTP TO COMMIT A FRAUD ON OUR COMPANY. Customer clearly exchanged item he received from us to another. We are on the market since XXXX  year and we collected over 20 000 orders. We know goodly this type of fraud, that's why we collected following evidence :. First of all, customer is required to check package contents with the delivery man, and if it's not possible - to record unboxing video - customer didn't made neither of these. We asked customer to open a case at XXXX - but he declined, claiming it's our mistake. We then opened case at the XXXX ourselves, and we found that package was delivered at good condition. For evidence that we did shipped correct product, I'm attaching an XXXX video. It's available here : XXXX XXXX XXXX? 
XXXX. It's clearly visible that the box with the phone packaged into this package is different than customer is claiming he received. Box content remain untouched until arrived to the customer as XXXX investigation confirmed. That clearly shows that customer exchanged the product after delivery. There's no proof that the box customer photographed was inside the package. We do have proof that box inside this package was different from photographed. 

Unfortunately even all these evidence collected, Chase bank didn't respected our evidence during dispute process and debited whole paid amount from our merchant account at Stripe.com Such approach of a bank creates a playground of a fraud, and make scammers don't fear consequences of theirs actions.
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I spoke with a SUPERVISOR agent from Transunion who told me that I can not dispute any inquiries because a creditor does not have a time limit to respond on a dispute. I requested a dispute on 19 unauthorized inquiries to be removed from my credit report and the agent refused to even open an investigation dispute. They are deliberately not allowing consumers to file any type of disputes online, via the mail, or over the phone and that is violating my rights to fair credit. 

My file number with Transunion is : XXXX My name is : XXXX XXXX The inquiries are listed below : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX National Credit Cards/XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union I did not authorize these inquiries nor do I have any open and active accounts with these companies and I would like for these items to be deleted immediately as it is causing damage to my credit.
Consumer complaint received 2022-01-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (TX)

My federal loans were transferred to Aidvantage in XX/XX/XXXX. They say I have a payment due in XX/XX/XXXX despite federal loans being frozen until XX/XX/XXXX. I have contacted them multiple times and received no response. 

I would like them to update my account so it is compliant with federal law.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX working for Bank of America & Various other Businesses & Fake Churches in XXXX, Georgia were using my Bank Account to Pay their Bills & Withdrawing my Tax Return Monies every year I Held an Account with the Bank beginning in XXXX. As a XXXX XXXX XXXX, I was not allowed to have very much Monies, as they were Holding me XXXX for fear I would run away. Their XXXX had Card Copies of my Accounts, and to Hide their Large Withdrawals & Transfers they would create Blocks of Transactions that were previously done to make the Statements look Real. I watched at XXXX XXXXXXXX XXXX  XXXX as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX, as well as others discuss such things. I was being XXXX in the Back. The Statements they sent me are Indicative of their XXXX  Master Manipulation at hiding their Fraudulent Activities on people 's Accounts they Hold as their XXXXXXXX XXXX. XXXX XXXX, XXXX XXXX were the Masterminds. XXXX XXXX my Great Aunt, Daughter of XXXX XXXX XXXX, owner of XXXX, Sold me back to the XXXX  in XXXX, right before XXXX XXXX XXXX to Change his Last Will and Testament & Leave me out of it. XXXX XXXX XXXX, had given me Full Control of the XXXX XXXX XXXX XXXX, to keep the prices low, as he told me in XXXX. Today, the Fake owners of the products have some of the prices as high as the competitor prices. And Many XXXX Managers are apart of the XXXX XXXX XXXX XXXX XXXX and XXXX. The Bank of America XXXX XXXX are Horrible XXXX XXXX. I demand something be done about this, as people of the XXXX XXXX XXXX XXXX continue to suffer at the Hands of these Ruthless Terrorists as I did. Being XXXX inside of the Banking Centers. XXXX XXXX and his XXXX family members were Helping them Sell my XXXX XXXX XXXX  for over {$20000.00} each to Finance their Lavish Lifestyles. I have filed over 100 Reports to XXXX XXXX XXXX and Security, & the FBI regarding this Extremely Urgent Matter. Please send my Report to a Real Law Enforcement Officer, as these people Violated the 13th Amendment of the Constitution Regarding XXXX. Thank you.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (SC)

XX/XX/2021. I was sleeping at a buddys house for a XXXX party an someone stole my whole wallet with my SS card in it as well as my debit card an ran me XXXX $ in the whole with Truist banking
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

I used td bank to transfer a bank transfer to XXXX XXXX on XX/XX/2019. The amount was {$1000.00}. Due to an account problem during the transfer process that needed to be verified, the transfer was suspended by the bank. I immediately called to cancel it. The online service staff clearly told me that there would be no automatic transfer, but when I checked my bank records on XX/XX/XXXX, the transfer was transferred out of my bank account without my authorization and notification. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted the bank many times to solve the problem and got the money back. There was no response until now I found the cfpb department to complain about this matter. I hope td bank can be responsible. Solve this problem and return the money to me at the same time.After all, the irresponsible behavior of td bank has affected me and all customers who support and continue to use their banking experience. thank you
Consumer complaint received 2021-08-30
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. (IL)

I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX  XXXX NEVER LATE
Consumer complaint received 2021-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a Capital One card. I have not used my capital one accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from capital one bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a Capital One account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with capital one. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.
Consumer complaint received 2021-08-30
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: Admin Recovery, LLC (NY)

I paid {$3000.00} to XXXX XXXX at the same time they charged off the debt to admin recovery whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to XXXX XXXX  and Admin recovery but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.