davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

XXXX XX/XX/2023 : Best Buy Credit Card ( Citibank ) statement included fraudulent purchase of three digital e-gift cards totaling {$500.00} : - XXXX XXXX XXXX. {$200.00} - XXXX. {$200.00} - XXXX XXXX. {$100.00} On the same day I received three emails from " XXXX XXXX from Best Buy '' with links to the e-gift cards that I presumably purchased. I did not purchase these e-gift cards. Called the Citibank customer support center ( XXXX ) the same day to report the fraudulent purchases. Cancelled the credit card and was re-issued a replacement. Reported the incident to the Citibank Fraud Research Department via a phone transfer from customer service. 

XXXX XX/XX/2023 : Received a letter from Best Buy ( Citibank ) Security Operations stating that following their review, I was responsible for the purchases because I had " received benefit from the disputed charges ... ''. I've not downloaded, nor have I used the e-gift cards that I didn't purchase. 

XXXX XX/XX/2023 : Contacted BB/Citibank Security Operations after filing a police report. They requested and I fax 'd to them a copy of the report. 

XXXX XX/XX/2023 : I contacted BB/Citibank Security Operations to request a status on my claim. They relayed that they'd not yet received the Police Report. I re-FAXed the report ; the charges still remain on my CC statement.

It's now been over three months and my complaint has not yet been resolved. In fact, the last letter from Citibank threatened me with their intent to report my charges to the credit agencies...
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XXXX XXXX i WAS GOING TO PAY A COMPANY THAT WORKED ON MY HOUSE IN South Carolina. The company that I was going to pay name was XXXX and it is owned by XXXX XXXX who has and account with Pay Pal. When I sent it Pay Pal sent it to another company which is also called. I immediately called Pay Pal and told them and put in a dispute about this transaction. The amount is XXXX dollars. Pay Pal wrote me and said they could not do anything about it. I have tried contacting the company that they sent the money to by email because that's all the information I can get from PayPal. The email address is XXXX XXXX I have reached out twice and get no reply. I told the company about the mistake and have ask them to reply but they don't. I have since paid the man that did the work at my home at XXXX XXXX XXXX XXXX, SC and have a receipt for the work. I notice on PayPal it says why i was paying this amount so I know the company can look back and see the have never done any work at that address. I hope that we can get to the bottom of this and I can get my money back.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20 I called Wells Fargo to do a balance transfer for 14 month with 0 % APR at 3 % transfer fee. The amount to be transfer was greater then what I had on my platinum credit card. The representative on the phone suggested that he will do an internal Soft Inquiry to see if I can transfer more then what my credit card allowed. I did agree to a Soft Inquiry. I WAS VERY CLEAR ON NOT WANTING MY CREDIT PULLED BECAUSE I AM IN THE MIDDLE OF BUYING A HOME. The representative agreed and stated that he will not do a hard inquiry BEFORE HE ASKED ME. I agreed to just transfer a partial of my personal loan to the XXXX Credit card and thats it. Transfer was done but the next day I got a message from XXXX that my credit was pulled and I lost 9 points and a hard inquiry. I did not agree to this!!!! I keep getting transferred from one rep to another and I am being told that its common they do this when the representative made it very clear that he will not do a HARD INQUIRY. 

All conversations with Wells Fargo were recorded!!!
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Why are you indicating that Wells Fargo Card Services XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached XXXX documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for Wells Fargo Card Services XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Bank of the west told me over the phone my check would be available the next day and I would have {$100.00} available to spend and not only did they place my check on hold but you proceeded to overdraft money from the available balance they gave me. Completely unacceptable, its a ridiculous mistake on their end. Theres no way over the phone Im told I will receive it the next day then I go into the bank Im told 11 days. That is just unacceptable. I demand some form of answers and I dont want to hear theres nothing that can be done, Im not going to be feed every day until the XXXX and thats simply what it is. They shouldve instantly placed the check on hold if thats the case not over night past midnight after I used some of the available balance.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (HI)

there was an automatic renewal from XXXX XXXX XX/XX/2023 to Paypal. Paypal denied the charge on XX/XX/XXXX. I cancelled the renewal on XX/XX/XXXX and XXXX XXXX issued a refund in said amount for XXXX. Paypal subsequently stole XXXX from my XXXX XXXX bank account on XX/XX/XXXX without authorization and refuses to acknowledge the theft after disputing the claim directly with paypal. This is criminal.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On Tuesday XX/XX/XXXX I received a message saying there had been a suspicious transaction in the amount of XXXX. I did not make that purchase, so I logged in to see if there was anything else I did not notice. I saw multiple charges from other countries that I did not make. I told PayPal this, they investigated for about 6 hours and then told me they were valid. I am out almost XXXX XXXX dollars on fraudulent charges and they have a fiduciary responsibility to reimburse me. I will attach the charges and case number via document.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I was ripped off for {$3000.00}. I thought it was for {$3300.00}. But they blocked two of the " transactions '' and I wasn't aware of that at first. Anyway, so far I've only gotten a cashier 's check for {$2000.00} from the unauthorized " ATM withdrawals ''. There's still {$1000.00} I'm owed from an unauthorized " pc transfer '' though. But a Wells Fargo employee contacted me & sent me a cashier 's check for {$2000.00}. Then he told me " he'd look into it '' -about the other {$1000.00}, then get back to me within ten days, which he didn't. I did receive a few letters from Wells Fargo since then, which I found to be confusing, unhelpful and unapologetic. Anyway, it's super frustrating because this all took place on XX/XX/23, so it's already been a month a & I still haven't received my last {$1000.00} of the total {$3000.00} that was stolen.
Consumer complaint received 2022-11-08
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. (AL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, 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 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-03
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. (AZ)

All of XXXX and continuing into XXXX, Experian and XXXX refuse to follow all USA Federal Laws and State laws for Identity Theft and Fraudulent Credit Card Take Over is credit card fraud to block and delete both XXXX XXXX credit cards # XXXX & # XXXX. 
XXXX XXXX has laced false line entries on both XXXX XXXX credit cards # XXXX & # XXXX and has stolen my XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX. XXXX XXXX has posted false line entries for false payments to get interest and late fees 2 to 3 months later and XXXX XXXX has moved my payments back and forth between both credit cards to create interest and late fees. THE CARDS ARE CLOSED because of XXXX XXXXXXXX compromising both # XXXX & # XXXX Capital XXXX credit cards is FRAUDULENT CREDIT CARD TAKE OVER AND IDENTITY THEFT. XXXX XXXX continues to post false line entries to get interest and late fees after the XX/XX/XXXX both credit cards CLOSED is credit card fraud. XXXX XXXX has stolen XX/XX/XXXX {$100.00} XXXX XXXX XXXX  app payment to card ending in # XXXX THREE TIMES ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and charged interest and late fees illegally ). NOT FCRA and violating Fair Credit Billing Act and the AZ Consumer Fraud Act ARS 44-1522 and ARS 13-2008. 4 FTC Identity Theft Reports, Scottsdale Police Report and all the laws all 3 parties have violated are attached.
Consumer complaint received 2023-11-29
Product: Credit reporting 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. (NY)

There are a number of fraudulent hard inquiries on my account for the following two companies : JPMCB Card and XXXX/AMAZON PLCC . These inquiries were not initiated by me and should be considered fraudulent.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

This is a complaint to the Consumer Financial Protection Bureau for discriminatory harassment against Chase representatives and private client banker XXXX XXXX, XXXX XXXX and XXXX XXXX. This is not a duplicate complaint and should be treated as a separate complaint. This is a discrimination and harassment complaint against Chase and XXXX XXXX private client banker, XXXX XXXX and XXXX XXXX. I was pursued by XXXX XXXX and XXXX XXXX they would access my accounts and create forced unprofessional connections with me. XXXX XXXX would encourage me to develop mental, emotional and physical connections, with XXXX XXXX although I didnt want to and because I didnt want to create connections with XXXX XXXX they both discriminated against me as a woman and had my account closed. When I left the branch XXXX XXXX private client banker, XXXX XXXX and XXXX XXXX would access my accounts and leave notations that werent true although I did not speak to them. Chase would encourage and support discriminatory and inappropriate behaviors from XXXX XXXX and XXXX XXXX towards me as a woman. Chase employees would force inappropriate mental, emotional and physical connections, cross my personal boundaries and leave notations that were not true violating consumer financial bureau regulations. Chase claims my account was closed for excessive deposits which is not true. I have not had previous accounts with Chase and I am requesting that Chase provide documentation showing that I had excessive deposits. I did not have excessive deposits I have never had accounts with Chase. I am requesting that Chase reopen and grant me access to my accounts immediately. I have refunds that were sent to the account. I would like my refunds of XXXX, XXXX, XXXX, and XXXX. I would like to know when I will receive my refunds.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have been trying to dispute incorrect and items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.