davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On the evening of XX/XX/XXXX, at about XXXX or XXXX XXXX, I was in XXXX, XXXX when I discovered via email that fraudulent charges had been made from my checking account. A XXXX transfer of about XXXX $ was done - I did not do this, was not involved. It was fraudulent and unauthorized. This has been reported to the police ( XXXX - that's where I was when I learned, and XXXX XXXX, given the possible connection to shared wifi and devices on XXXX XXXX ) and the CFPB. 

Upon further investigation, I found a that USAA, my bank, sent me an alert stating that someone accessed my account from an unknown and unauthorized device around XX/XX/XXXX or XX/XX/XXXX. I learned about this recently after this fraudulent transaction. Then, I found an additional XXXX unauthorized charges from an ATM. I searched for my debut card, which I don't use often, and found it was not in my wallet. I made the bank, USAA, aware of this and I also alerted them that my PIN ( both to the debit card and the account were compromised ). I share devices and WIFI with others on a college campus, and malware was discovered on public devices as well as my personal device. 

In addition to all of this, when I called USAA, the rep told me someone had been accessing my account from an XXXX device. My device, which has not changed for several years, is an XXXX. Someone has taken over my account, based on this evidence. I have changed the pin and also changed the password after it seems someone may have changed it to lock me out. This hasn't happened in XXXX hears of being a customer with this bank, and I would like the charges reversed and my account secured.
Consumer complaint received 2023-05-07
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/23 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Consumer complaint received 2024-05-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Buying an item at Best Buy When checking out I was asked if I wanted to sign up for their credit card and get 15 percent off. I confirmed by asking 15 percent off this item i am buying now. I was told yes, it will be deducted after the return window of two weeks. Instead I was issued a gift certificate with an expiration date enticing me to buy more items from their store. When I contacted the bank and company about this ( I spoke to both ) they were unsympathetic or supportive about being deceived. I disputed the charges and am trying to issue a legal complaint with government protection for fraud. 
I am under the impression that sales reps are incentivized to get customers to finance their sales and this salesperson lied to me in order to motivate me to sign up for financing.
Consumer complaint received 2023-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (NE)

I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt.

This is the FIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my XXXX ) bank did not attempt to collect a debt, XXXX ) the Collections Company has not sent any communications and XXXX ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them. 

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute. 
- I am not a petitioner in any pending bankruptcy petition. 
- This account has not been discharged in a bankruptcy. 
- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute. 

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site. 

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back. 

Being sent to XXXX ) collections and XXXX ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (PA)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/XXXX my account at Robinhood bank that I have maintained for over 6 yrs was blocked. I called Robinhood to see why and was told it was for security and security had to verify transactions. I did so and noticed a few XXXXXXXX XXXX transactions that I did not do. After going over the electronic transactions was not told they are filing a report or anything besides we have to send your account for review. I also share a XXXX account with my son as well as my own account. There seems to be a very strange thing happening between the 2 account where transactions on my sons XXXX account are somehow being charged to my Robinhood account. As far as I know XXXX and Robinhood are not linked in nor affiliated so they have not explained and I really need an explanation of how my sons transactions at XXXX are being charged to both his XXXX account and my Robinhood account.
Consumer complaint received 2023-10-15
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: TD BANK US HOLDING COMPANY (FL)

I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.
Consumer complaint received 2023-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (IL)

Had issues with Flagstar previously. Where they don't process my loan payments from my bank on time then assess a late fee and as before statements are not available on line when attempting to pay. This is ridiculous. Was so happy when they went away as my loan servicer previously but I have them back again. Same antics with them. They didn't process a check from my bank few months back so incurred a late fee and credit hit. Now I am not sure what I am paying for ( can not get a statement today ) but forced to pay the higher payment this month since I can not be late. I have to pay on their website and take screenshots of that so they don't XXXXXXXX XXXX again. Current loan # they are servicing is XXXX. I think they purposely doing these things to collect late fees
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

Well got hard inquiries my credit report from JPMCB Card Services on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX and have not been able to get them to remove these hard inquiries from XXXX and XXXX This is FRAUD!!! Please contact these people and have this removed my credit report. 
Thank you
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (MD)

I have disputed an account reporting on my Experian credit report over the past several months which I have included some of those letters as an attachment. Interestingly enough, Experian has reported that the information that was disputed came back accurate. Well, a notation was never recorded on my credit report that the account was disputed even after I brought this matter to Experian 's attention. The notation is an important part of the dispute resolution process and is designed to provide transparency and inform anyone who reviews the credit report that there is an ongoing dispute regarding the accuracy of the reported information. 

XXXX XXXX has also just recently responded back to my latest dispute confirming that they have received " seven '' of my disputes over the past 120 days, disputing the accuracy of the account. Strangely enough, my Experian credit report does not indicate that the account was disputed. 

I am attaching a copy of some of my previous dispute letters sent to Experian, a copy of Experian response stating the account was verified, a copy of XXXX XXXX letter stating that they received " seven '' of my past disputes over the past 120 days, and a copy of my Experian credit report showing where my account was never noted to indicate the account was being disputed.
Consumer complaint received 2022-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

XXXX XXXX  kicked me off my portal because I switched my email and making it impossible for me to get access, I have a XXXX and my only way to check in on my extending my forbearance THE IGNORANT LADY WAS ASKING A-LOT OF PERSONAL INFORMATION AND ASKING TO GUESS AT EVERYTHING I have requested to reset my portal there tactics and question are against most banking rules
Consumer complaint received 2023-09-27
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-17
Product: Credit 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 - XXXXXXXX XXXX, I noticed multiple unauthorized transactions on my Chase credit card statement, totaling. I immediately contacted Chase Bank to report these transactions as fraudulent. A representative assured me that an investigation would be conducted. 

On XX/XX/2023, I received a letter from Chase Bank informing me that, after their investigation, they determined that I was responsible for the disputed charges. This decision left me both surprised and concerned, as I have always diligently protected my card and promptly reported any unauthorized use. 

Following the receipt of the initial decision letter, I contacted Chase Bank to request a review of their findings and an explanation for their determination. I believed that this was a clear case of fraudulent activity, and I expected a fair resolution. I requested that they reopen the case for further investigation. 

On XX/XX/2023, I received another letter from Chase Bank, stating that they had completed their investigation and that I was still responsible for the disputed charges. This decision left me even more perplexed and frustrated, as I was not provided with any substantial evidence or justification for their conclusion. 

On XX/XX/2023, I made another attempt to obtain more information from Chase Bank by speaking with their customer service representatives. Unfortunately, I was informed that they were unable to provide any written details of the investigation or any specific reasons for their determination. 

Attached to this letter, you will find copies of both letters from Chase Bank ( dated XX/XX/XXXX and XX/XX/2023 ) for your reference. 

I have followed the proper procedures for reporting fraudulent charges promptly and diligently. I have cooperated fully with Chase Bank throughout this process, and I have received no substantive information to justify their decision. I strongly believe that I am not responsible for the unauthorized charges on my account, and I am seeking your assistance in resolving this matter fairly.
Consumer complaint received 2023-03-13
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: Accscient, LLC (GA)

15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently upheld PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that such a review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/XXXX around XXXX, I purchased XXXX ( XXXX ) $ XXXXdollar Visa prepaid cards issued by U.S. Bank in XXXX XXXX XXXX located in XXXX XXXX , CA XXXX . I registered all cards with my personal info right after the purchase. However, after XXXX minutes when I tried to use them for holidays shopping in the store, all cards have the damaged magnetic stripe which totally can not be used anymore. I immediately called XXXX and reported the issues with XXXX agents named " XXXX  '' and " XXXX  '' around XXXX - XXXX. Meanwhile I requested the replaced cards. 

It took a month to receive the new cards with my full name on it. On XX/XX/XXXX I tried to activate XXXX cards with XXXX agents and realized every single card has XXXX balance on it. I spent over XXXX minutes waiting for the right agent to help solve the issues. By around XXXX my call was finally transferred to a specialist named " XXXX XXXX who is willing to help. With another hour phone conversation, I was told all cards were compromised and used up in XXXX store and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is the reason the new replaced cards mailed to me have no balance. 

I made the very very clear conversation with those XXXX agents on XX/XX/XXXX that all three cards were damaged and not possible to be used in the store. The cards need to be void and empty with XXXX balance after requesting the new card mailed out. Also, the old cards were registered with my detail personal info on XX/XX/XXXX so I really do not think I have to be responsible for those fraudulent unauthorized transactions during XX/XX/XXXX and XX/XX/XXXX before receiving the new cards. 

The following are XXXX cards ID info provided by the agent. 

# XXXX, XXXX # XXXX, XXXX # XXXX, XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (TX)

Back when I had my vehicle I stayed in contact with JD Byrider the car dealership which I received financing. One day at work I ended up in the hospital where I ended up having XXXX XXXX. During the healing process I contacted JD Byrider and spoke to one of the financing agents that was at the location. During our conversation I let her know that I would be unable to cover payments and would like to return the vehicle. While we spoke she assured me that everything would be fine that I would not be charged anymore " they get the car back and we call it even ''. Me being young I had no idea that what she said would be a lie and I would have an impact to my credit score that I had no idea was there. This has ruined my chances to get a good reliable vehicle for a long period of time. An agent shouldn't be able to lie to someone about something as serious as your credit score.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX  XXXX. Please remove this account immediately.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXXXXXX