davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IN)

I have had the Citi XXXX XXXX XXXX Card for a few years. I have usually received the XXXX XXXX Certificate a few weeks after my account anniversary for spending {$10000.00} or more on this account. My anniversary was XXXX 2015. I still have n't received the certificate, despite the fact that I made the minimum spend this year ( the website confirms this ). When I called the customer service, I was given a big run-around. When I messaged them via secure message, I was also given a very vague response with a response to the effect that I just might hear something from them in 7-10 days. I find this to be breach of contract, more specifically, non-delivery of what we agreed to receive when I signed up for this credit card.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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 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
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to report an issue I encountered while trying to contact TransUnion regarding a loan account that I paid off on XX/XX/year> in the amount of {$200.00}. Total remaining payments {$0.00}. 

On XX/XX/year> I attempted to reach their customer service and was placed on hold for over two hours. Unfortunately, I could not wait any longer and had to hang up without speaking to a representative. 

This experience has been incredibly frustrating, and I would appreciate any guidance or assistance you could provide in resolving this matter. Thank you for your attention to this issue. 

Sincerely,
Consumer complaint received 2016-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: CU Recovery, Inc. (TX)

Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.
Consumer complaint received 2016-01-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (AZ)

PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX of 2024, there was a charge of {$210.00} dollars from a location called XXXX XXXX XXXX. I then come to realize another two charges, both from the same location. These charges were from XXXX ( A location far from where I live ). I initially called on XX/XX/XXXX to dispute all the charges because they were not made by me as well as replace my credit card. I explicitly stated that I want to reverse these but they end up only replacing my credit card and leaving these charges undisputed. I had to wait around a week before calling again. This time they tell me that the charges were never disputed but that theyll go ahead and add that to the claim. I wait another week, with no updates and after more than the 5-10 days they told me I would receive an update, a letter finally arrives multiple weeks after disputing the charges. The letter then states that the XXXX transactions were adjusted and that I will receive credit for the issue. However, they never even disputed the charge of {$210.00} at XXXX XXXX XXXX. I had been patient and kind with all of the representatives during these calls so I was left wondering why I was not receiving quality care. Thus, for a fourth time I had to call to finally have it disputed. In the end, they rejected my dispute with the reasoning that I had it in my possession at the time of transaction. I am extremely dissatisfied and frankly, upset with the runarounds. I have never been to that location neither or would ever because one, i am not interested in their services, especially as a more masculine male. Two, Im not their target customer base. It has impacted my credit score and has made it much harder for me financially as I am a full-time student and work part-time to be able to support myself.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Also my information has been exposed in the data breach. XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I was approved for a XXXX XXXX Credit Card for XXXX limit. I bought a bed for around XXXX and was told they was no interest on the card. Each month I receive an email informing us to pay the minimum balance of {$25.00}. Each month I pay {$100.00} to get the debt down quickly. My balance went down to about {$200.00} and in XX/XX/XXXX I receive an interest charge of almost {$400.00} at 29.9 %. I am shocked as I have never seen this in any of the emails notifying me payment was due. I want to pay my original balance in full immediately and have the interest charges dropped.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/2024, I became the victim of identity theft, resulting in a series of fraudulent withdrawals from Marcus by Goldman Sachs XXXX XXXX Account. A total of {$28000.00} was fraudulently transferred from the account via multiple ACH transfers to a XXXX XXXX XXXX account ( ending in XXXX ). I have neither of these accounts, the only bank I use a this time is XXXX XXXX XXXX. 

Details of Fraudulent Transactions : On XX/XX/2024, the following unauthorized XXXX withdrawals were made from my savings account : XX/XX/2024 : Internet transfer to XXXX XXXX XXXX XXXXXXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXX Bank XXXX - {$990.00} XX/XX/2024 : Internet transfer to XXXX XXXXXXXX XXXX XXXXXXXX - {$990.00} ( and so on for each transfer as detailed in the statement ) In total, XXXX transactions occurred in increments of approximately {$990.00} each, totaling {$28000.00}. These withdrawals depleted nearly all the funds in the account, leaving a balance of {$0.00}. 
Actions Taken Upon discovering these fraudulent transactions, I took the following actions : XXXX. Filed a Police Report : I reported the identity theft to the local police department, providing them with a copy of my bank statement and other relevant documentation. 
XXXX. Contacted Marcus by Goldman Sachs : I notified Marcus by Goldman Sachs of the fraudulent activity, and they confirmed that my account had been closed as of XX/XX/2024. 
XXXX Credit Monitoring and Fraud Alerts : I followed the recommended steps provided by Chase to protect my identity, including contacting the credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to place a fraud alert on my credit file. 
XXXX. Notified the FTC : I reported the identity theft to the Federal Trade Commission ( FTC ) and reviewed their resources for dealing with identity theft. 

Next Steps I request a full investigation into these fraudulent transactions. Additionally, I will continue monitoring my credit and accounts for any further suspicious activity. If additional information or documentation is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX Your NAME : XXXX XXXX Your addressXXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (OH)

This account was current and resolved and was supposed to be deleted over 30 days ago please delete this account the NATIONAL CREDIT SYSTEM # XXXX it is not accurate. 
I have request the company send out the UDF FORM to remove this account asap.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (MI)

PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I had coinbase account and someone transfer my money from coinbase account to XXXX XXXX, they did 3 different transactions and I didn't get any alert or notifications from coinbase. 
I contacted them and they said they can't give me my money back, I trust them because they claimed there platform is secured but someone break up their security check and took all my money!!
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I opened the Chase XXXX Unlimited card the week of XX/XX/2024. I attempted to make a purchase on a website and was denied. I reached out to customer service and they requested I try again while on the line. The charges were repeatedly denied. I ran into the same problem over the next week, all with the same response from customer service. Eventually, without notice, Chase closed my account on me due to the card " not being used in intended way '' i.e. there were too many unknown denied transactions. To reiterate, all of the charges made were made by myself, and I not only called up customer service after making the charges, but Chase customer service asked me to retry the payment on multiple occasions, thereby causing the amount of denied transactions to rise. I went to the physical bank location on XX/XX/2024, and explained my situation to a representative and they confirmed that the account was closed in error if I had called to confirm the transactions were my own. She called up the help line and was informed that I had to reapply for the Chase XXXX Unlimited card in order to have access to that card as well as keep the access to the points I had accrued. I applied with the representative and my application was denied. After calling up the Chase central line, they said that the only option was to apply for the Chase XXXX XXXX card instead and transfer over my points. Note that I had not wanted this card but in order to have a credit card to use, be able to keep my Chase account, and that it was the only option left, I gave in. We applied together and called up the application division to ensure that the " closing '' of my account would not affect my credit card application. After confirming that I was a likely instant acceptance given my XXXX credit score, I applied for the card with the representative. The application went into review and was denied the next day due to " an account having been closed by Chase in the past '' -a problem that I was ensured would not happen. Following this, I went through multiple escalations with Chase, talking to people in the XXXX offices as well as multiple divisions and groups that they transferred me to. After multiple rounds, the customer service lines informed me that the decisions were all automated, and although what had happened to me should not have in the first place, there was nothing they could do because each person I spoke to didn't have a manual push through. Ultimately, I ended up with Chase closing my account on me, revoking my credit card and effectively blacklisting me from owning a Chase card in the future, as well as a few credit score hits from the closing and applying to the card they ensured would not get denied.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wish to contest the inaccurate items listed on my credit report. I have reached out to XXXX, XXXX, and TransUnion with letters regarding my disputes, but they have not responded. : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXX/XX/year> {$0.00} U.S. Bankruptcy Court {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} US BKPT CT XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} U.S. Bankruptcy Court. XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX  is on my credit report twice, total amount {$1800.00} Portfolio recovery is on my credit report twice, total amount {$2400.00} XXXX XXXX XXXX in on my credit report 3 times, total amount : XXXXXXXX XXXX XXXX XXXXXXXX on my credit report.total amount {$2100.00} i have no knowledge of these of these debts, i have had my identity stolen 3 times in the past 3 years.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Hello, the company called Portfolio Recovery Associates , LLC is trying to hinder me by telling me that they are going to demand if I do not pay the bills they have in my name and I have never done business with that company which I do not owe them money.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( TRANSUNION ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.