davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MN)

Received notice from CFPB that complaint is included in a legal matter. I have not received any documentation or notices from company in regards to any legal matter. I have not received requested documents of debt validation of original contract. This is a third party debt collector that I have no business with past or current. I have not received any notices of any legal matters from this company. I would like for the debt to be removed for failure to provide requested documentation according to the FDCPA
Consumer complaint received 2024-09-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

citizens bank saving promotion advertisement : GET {$100.00} When you open a first new personal savings account Open your first new personal savings account on the same date as you open your new personal checking account. Then make monthly deposits of {$100.00} or more for 3 months in a row, starting the month after the accounts are opened. You'll earn a {$100.00} bonus into your Citizens checking account in the 4th month. and the promotion is still on going XX/XX/year>2024 : Saving and checking account account opened and deposited {$100.00} respectively XX/XX/year>2024 : deposited {$10000.00} XX/XX/year>2024 : deposited {$120.00} XX/XX/year>2024 : deposited XXXX XX/XX/year>2024 : deposited XXXX contacted bank today for the 1th time, bank acknowledged the requirement was met but refuse to issue the bonus. 
contacted bank today for 2nd time and was informed the requirement was {$500.00} for 3 months in a row.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Company Account Number XXXX {$68.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I had almost {$800.00} in cash back rewards on my capital one shopping rewards app. I redeemed several gift cards before that and they closed my account down took the rest of my cash back. They claim they have reason to believe I sold the gift cards. Which is not true. I got proof that I used every gift card I redeemed. I want my account back so I can redeem the rest of my cash back.
Consumer complaint received 2024-07-14
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. (OH)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NM)

I was charge an unjustified amount of interest. Applied for loan when my credit score was above XXXX. I have been a victim False advertisement or discrimination. 
I was unable to back out of deal because my credit report had already received multiple inquiries from finacial institution. 


One main financial Account number XXXX
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

My friends and I have a XXXX fund that we all benefit from, we put in us money and it goes into paypal and thru their XXXX XXXX  and is changed into XXXX, paypal has put a stop to me doing that with no explanation as to why. The agent I spoke to told me that she was not able to tell me anymore info as their company would not let them, the team that made the decision keeps it a secret i guess but that is all that I have been told. paypal is not longer avail to me for whatever reason they gave me a " User Agreement '' reason but I do not know what I did wrong and can find nothing in the user agreement that specifies anything I am doing. Also all my funds that were already in the account will stay there until 180 days ( 6 Mos ) so I can not get over {$1000.00} out of the account which is needed by me to pay bills that I already have? I also owe paypal {$3200.00} on credit I used does that mean I no longer have to pay that as I am not allowed to move money with there site??
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXXXXXX 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 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 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (TX)

A absolute random debt right around the time I just got another debt removed from my report for being false charges, got added to my credit? I was confused cause I had no clue what it was from. Then it said it was a collection from a Aldous and associates? Apparently it is a fitness gym or they deal with those collections. But I have no clue because I never had a membership until my current gym, I got day passes. So this seems very fishy. I have also NEVER received any sort of notice or even anyone trying to collect anything. Nothing. So very fishy.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 XXXXXX/XX/year>
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX transferred the balance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to Chase Freedom card. 
On XX/XX/XXXX received a statement from Chase stating the balance transfer was successful. ( STatement enclosed ) On XX/XX/XXXX was notified by XXXXXXXX XXXX that I had missed 2 payments. they did not receive any funds from Chase Bank. Called Chase and the error was recognized, they sent the check to XXXXXXXX XXXX. 
On XX/XX/XXXX I was told that XXXX XXXX was holding on to check for some unknown reason and Chase was working on it. 
In the meantime, I am being reported as missing the 2 payments and nothing it getting resolved on this issue that is not my fault but I am the person being penalized. 
I have a mortgage application that presently is in denial because of this issue. I had stellar credit number until this time
Consumer complaint received 2024-10-05
Product: Credit 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: CITIBANK, N.A. (CA)

On XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX processed a refund to my Citi Bank Visa Card in the amount. As of XX/XX/year> the refund has not been posted to my Citi Bank Visa Card. Citi Bank has repeatedly stated that the refund has not been received and have refused to investigate further. XXXX XXXX has stated with 100 % certainty that the refund was successfully processed on XX/XX/year> and provided transaction code XXXX as proof and to assist Citi Bank with locating the funds. As of writing Citi Bank has not shown willingness to investigate further. This is the second vendor that I have had an issue with refunding my Citi Bank Visa Card. On XX/XX/XXXXXXXX XXXX XXXX attempted to process a refund onto my Citi Bank Visa Card but could not do so and were forced to cut a check which was sent via mail.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: VALLEY NATIONAL BANCORP (NJ)

XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I would like to report my complaints on XXXX financial companies, Valley Bank  and XXXX. At first, I have received the replacement debit card of Valley Bank due to the expiration. I tried to activate this card by phone calling the number XXXX. However, whenever I reached to the XXXXdigit next to the signature part on the back of the card, the recorded voice said he could not process. I contacted with the customer service by Chat system onXX/XX/XXXXXX/XX/XXXX. And on XX/XX/XXXX, the customer service XXXX XXXX XXXX Valley Bank stated that the activation line worked to make enable, but I found out not. Therefore, I answered back not possible. Since then, there is no answer to the Chat. Today, I have tried again by calling XXXX. Valley Bank only suggested to call ; therefore, I do not want to do anything other than calling. I just want this bank to make my debit card usable. 
Regarding XXXX, I have continuously mentioned in the report to XXXX and XXXX XXXX. I used to have the credit card with XXXXXXXX XXXX ( XXXX XXXX XXXX ) and registered it to XXXX payment. I have received {$91.00} and {$130.00} in total {$210.00} from XXXX XXXX XXXX XXXX. As I have stated that I refunded this total amount to the owner since I did not dispute on him through XXXX. And as already reported, there was some check to the closed credit card same amount {$210.00}. Recently XXXX answered it again made another replacement card and closed after making the balance XXXX. My question is whether this amount {$210.00} is my money which was in XXXX and should be used by me, not somebody else. I have contacted the owner of acupuncture whether he had ever received the refund from XXXX after contacted with the customer service of XXXX. I have waited answer from XXXX, but there are only useless automatic answers. I just want to know where the credit total is amounted {$210.00} now. Please clarify, report, and make sure I will have it and use it.
Consumer complaint received 2024-08-11
Product: Credit 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: JPMORGAN CHASE & CO. (OH)

I owe over XXXX they charge a high interest rate and won't allow for a lower rate and they only allow a minimum of XXXX which I paid before the due date of the XXXX. This time I sent XXXX today Saturday the XXXX. it seems my interest is the problem and they won't lower it.
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

To whom it may concern : I was previously a customer of XXXX XXXX for internet service. Early in the year, I terminated my service with XXXX  and switched to a different provider. XXXX  billed me for my last month of service even though I was no longer receiving service from XXXX. I disputed the charge, {$100.00} through my credit card company, XXXX, and was successful in getting XXXX to reverse the charges. I recently discovered via my credit report alert, that XXXX transferred the debt to a collection agency, Credit Management LP, and added a derogatory mark on my credit report. 

I called Credit Management LP to inquire about the debt, yet they did not provide any more information and instead said to contact XXXX.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc (NJ)

My Paypal account that was hooked up to my debit cards were used to make purchases that I did not authorize and had made Paypal aware of this, and they were supposed to close my PayPal account and refund me for the charges made on the card, but instead I got a letter from a debt collector, saying that I owe the balance, even though PayPal was made aware that this was fraud and that I had filed a police report and identity theft report due to my account being accessed by someone other than me to make these purchases
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (OH)

I opened a new Wells fargo credit cart I initiated a balance transfer during sign up ( XX/XX/24 ) for {$3000.00} from my XXXX XXXX  XXXX I also initiated a transfer for {$1000.00} after i received my Credit card Transer for XXXX dollard was posted an correct However, XXXX dollar was sent to completely random account, not mine, and they are not providing account number the sent to
Consumer complaint received 2023-08-29
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. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I was forced to make XXXX {$200.00} withdrawals from my checking account. I reported said robbery to the XXXX XXXX Police Department ( criminal complaint # XXXX ). On XX/XX/XXXX I notified Chase Bank of the robbery and had a new debit card sent to me. Chase Bank credited my account {$590.00} within a few days but on or about XX/XX/XXXX took said funds back from my XXXX XXXX direct deposit on the ground that because I, not the perpetrator, used my debit card and pin number to withdraw the money, it was not an unauthorized transaction. However 12 C.F.R. 1005.2 ( m ) official interpretation states that an EFT at an ATM is am unauthorized transaction and I am not liable for more than {$50.00} because I reported the robbery within 2 days. Moreover when a person is forced to make a withdrawal from.an ATM it is the banks funds, not the customer, whose funds are stolen. U.S. v. Johnson 915 F.3d 223 ( 4th Circuit. 2019 ). For these reasons I demand the return of my {$590.00} because the forced withdrawal s were unauthorized transactions and I only have liability of {$50.00} if Chase Bank fails to honor it's zero- liability policy for unauthorized transactions.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to inform you that I have been a victim of identity theft and to request immediate action to rectify the situation. Recently, I discovered unauthorized activity on my credit report with your company. 
I did not authorized any of these transactions, and those info is being mixed up with someone else, therefore I request that you take the necessary steps to address this issue promptly, and please dispute the accounts. That were opened without my knowledge, authority or consent. Details of the unauthorized activity are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX XXXX. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )