davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Dear madam, sir... 
My identity was stolen and someone opened a fraudulent credit account with USAA Savings Bank for a {$12000.00} line of credit. Most importantly, I am NOT a member of the military nor is anyone in my family. This acxount should never have been opened! I did not have any knowledge of the account nor did I give any consent on my behalf. The account was active for a period of 7 years ( from XXXX ) and I only discovered it when I got my first ever credit report in XXXX. I did not benefit in any way shape or form from this fraudulent account and the line of credit associated with it. I immidiately disputed the account and activated a credit freeze with all 3 credit bureaus as well as fraud alerts. I have contacted USAA many times over the last few years pertaining to this issue and they have verified an account connected to my name and my social security number in their database. However, Ive had two other non related instances of identity theft against me since XXXX so I have been trying to get the account disclosure information mailed to me from USAA so that I can turn that info over to my local law enforcement agency for investigation but they have been no help at all and have taken ZERO accountability for their part of the crime that they facilitated. Since XXXX  of this year i have called USAA 5 times to explain to them that I can not verify my identity on their website as they require to release any info to me because I was not the person who opened the fraudulent account and the phone number that was initially added to the account dosent match mine. Obviously. But each time i call back I have to explain the whole situation over to a new person who ultimately refers me back to the verification website cycle that im stuck in. I ask to be connected to their fraud dept only to be put on hold and connected to another employee who handles credit accounts and not fraud. I am the victim of fraud that USAA should have prevented. Their unwillingness to help and to take any accountabilty is unexceptable and so very frustrating. Im desperately filling out this complaint in hopes of getting the attention of someone with USAA who is willing and able to help me out and give me the solid answers and information that I am lawfully entitled to by law as a consumer. Thanks in advance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AL)

Hey My name is XXXX XXXX, I bank with credit karma. But a week or two ago I lost an dispute with the fdic but thats okay, the problem is my account with credit karma is frozen I have bills to pay i have {$1600.00} in this account I need that is frozen the fdic said the account would be locked but they can have the account I just need my funds a couple problems on the account I cant make changes to is a mailing address if yall were to mail a check my new address for the check would be XXXX XXXX XXXX XXXX Alabama XXXX. For my funds I would like for you guys to unfreeze it an let me transfer it off. Or mail the check to the address thats mention in this statement. I need funds off the account asap
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I did not approve the XXXX transactions that were taken from my account via debit card, in the total amount of {$4500.00}, dated on XX/XX/2023. These transactions were taken from my account within hours, and I was never alerted by Chase. I never heard of the company that withdrawn from my account ( PP XXXX  T XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX CA XXXX XXXX I was informed by the claims department that the claim is now closed, they investigated and claimed that I had approved these transactions, however I did not. They informed me there is nothing they can do to have my money returned unless I provide documentation that I did not approve these transactions, which I did provide any other information I had. I was also informed to try to contact the merchant directly, however when I research both merchants, I can not locate this business or any contacts. I feel this investigation was not properly done, as you can clearly tell this is a case of fraud. I had also mentioned that my phone was hacked, which then I had reached out to XXXX directly ( XX/XX/2023. Case # XXXX ), then on the XXXX all of these transactions occurred. This money is part of my savings and now I am not sure what to do at this point. I have been banking with Chase for close to 20 years and I am very disappointed in the way they are handling this. I was under the impression that my money was federally protected. I have opened this case with Chase XXXX additional times, both times that have rejected the claim.
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I signed a lease contract for $ XXXX on a XXXX XXXX XXXX which matures on XX/XX/XXXX. Midway through the lease contract, my payment suddenly changed. I called Toyota Financial Services on multiple occasions and no one could explain to me the reason for the increase. The monthly bill is not itemized, nor did I receive any written correspondence that there was a change in the contract terms. After multiple phone calls, I stated to TFS that I refused to pay the increase and would continue making payments as originally contracted. Since the lease is about to mature on XX/XX/XXXX I reviewed my account because I decided I would like to extend the lease while I determine the best transportation option for my growing family. I am a working XXXX  and a XXXX  and I depend on my vehicle. I always pay my bills on time. Upon contacting Toyota Financial Services on XX/XX/XXXX I was told that I was ineligible to extend the lease, and that my account had a past due amount of {$89.00}. I was told this past due amount disqualifies me from extending my lease. I again asked for an explanation for why the payment had changed and this time was told it was due to a change in sales tax. I was not notified of a change in sales tax nor does the monthly statement reflect any changes in tax. Additionally TFS could not explain what tax rate was being used to calculate the payment and when it changed. My understanding is this " past due '' amount has been reported negatively against my credit report. I am outraged that Toyota can not answer my questions or provide documentation to support a change in payment, tarnished my credit, and unfairly restricted my options at lease end. I was old I could contact the credit dispute department at TFS by U.S. mail and my lease would still mature on the planned date. This unfair and deceptive practice by Toyota needs to be investigated and this company needs to be held accountable for violating the terms of my lease contract.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (IA)

I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX usd left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX usd on my credit file and so I went ahead and paid the balance. I have tried several times to contact Uplift to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with XXXX but up till now no change or any information has gotten back to me.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Subject : Request for Account Deletion Under Consumer Protection Laws Dear Portfolio Recovery Associates, I am writing to address ongoing concerns regarding the account ending in XXXX that you are currently managing. I believe there are valid reasons, in accordance with consumer protection laws, for the deletion of this account. Below, I outline the key points supporting this request : Verification of Debt ( FDCPA Section 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of the debt. Despite previous requests, I have not received the requested documentation, specifically the original contract with a wet signature. The FDCPA mandates accurate verification, and without this essential documentation, the legitimacy of the debt remains in question. 
Accuracy of Reporting ( FCRA Section 1681s-2 ) : The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer information to credit reporting agencies. Relying solely on credit card activity as proof may not be sufficient to meet the standards of accuracy outlined in the FCRA. I urge a thorough review of the information furnished to ensure compliance with the FCRA. 
Cease Communication Request ( FDCPA Section 1692c ) : Pursuant to the FDCPA, I previously requested the cessation of communications regarding the PRA account. If communication persists, it may be deemed a violation of the FDCPA, and I request immediate compliance with the cease communication request. 
Access to Original Contract ( TILA Section 1635 ) : The Truth in Lending Act ( TILA ) grants consumers the right to request and receive a copy of the original contract with a wet signature. I have not received this document despite previous requests, and I request its immediate provision. 
In light of these concerns and in adherence to the aforementioned consumer protection laws, I kindly request the deletion of the account ending in XXXX from your records. 

Please acknowledge receipt of this request and provide a timeline for the resolution of these matters. Your prompt attention to these issues is appreciated.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

My PayPal account is under email XXXX I opened a PayPal account on a roll XXXX. And then was asked to submit documents, which were my bank statement, proof of address and ID or passport submitted. Then I received a message saying that they had to send the review to the back office team for further review then on XXXX XXXX they told me my account was permanently limited and I was no longer to use PayPal and I could not use my balance for 180 days because they needed to put it on hold in case of charge back or anything like that on the account. The only issue is I dont use that account to sell anything. Im not a seller Im not a business account. I have literally two transactions on there one being a purchase on the Internet and the second is {$100.00} sent to me friends and family from somebody I know. Then they wont tell me the reason because they cant even see the reason why I am not allowed to use PayPal and how is it OK for them to just decide that theyre going to keep my money for 180 days I dont know about that but I need all the money I can get and thats my money and I dont know how they can keep it for that long as a long time if you ask me and so theyre pretty a big me if you ask me. I could see them holding it in fear of a chargeback or anything like that if I was using it as a business account or as a seller account but that is my own personal PayPal like I said Ive done two transactions total on that PayPal its not gon na get charged back I promise you that because one its my friend and two its pretty impossible with PayPal to charge back a transaction set with friends and family, unless they issue with their bank but like I said its my friend hes not gon na do that and its not their money, so why can they hold it and just sit there and collect interest on it because thats what I heard they do and why they hold money all the time and do whatever they think they want Anyways, I need to withdraw my money now its my money I need it I dont care what they say even really they need to give me my money or I will go further with legal action even if its only XXXX bucks its just not right to do to somebody for no reason
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am filing this complaint to CAPITAL ONE. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/2023, XX/XX/2023 and XXXX XXXX, I submitted dispute letters to CAPITAL ONE, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. 
To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that CAPITAL ONE will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

THERE IS A BANKRUPTCY THAT ISN'T MINE ON MY CREDIT REPORTS, THE CREDIT BUREAS GOT THIS INFORMATION FROM XXXX XXXX SO I REPORTED THE INACCURATE WITH XXXX XXXX AND THEY INVESTED AND FOUND IT IN MY FAVOR. THEY REACHED TO ALL THE CREDIT BUREAS TO REMOVE THE INACCURATE BANKRUPTCY BUT IT STILL SHOWS UP ON MY REPORT. IF THEY DONT REMOVE THIS I WILL TAKE LEGAL ACTION.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX   XXXX   - received pre-approval for the amount of $  XXXX  from  Citizens Bank   board a mortgage we wished to purchase. Th e Purchase price of th e house was $  XXXX  ; we were paying the balance in cash.       XXXX   XXXX   - entered  P & S o n house for amount above putting down $  XXXX  earnest money. Began formal application process with  Citizens Ba nk for $  XXXX . Closing date was   XXXX   XXXX   XXXX  .       XXXX   XXXX   XXXX   - supplied information to  Citizens Bank  as requested, but requests become more difficult to furnish and understand as they required explanations that were never satisfactory though we were not informed what the issue was.       XXXX   XXXX   XXXX   -  Citizens Bank d id not meet its commitment to issue the loan causing us to lose our $  XXXX  earnest money.     Evidence of assets, sufficient availability of cash for closing and wherewithal to make mortgage payments were furnished.       XXXX   XXXX   XXXX   - received via  USPS  a Statement of Credit Denial, stating we were denied the loan due to " Insufficient Assets or Cash ''.     Note we had both sufficient funds and cash to close the deal, which has been attested to by our realtor, personal banker and attorney.     Note :  First of all th e credit was not denied. We never received any credit denial notice. In fact, after the closing date had past, they continued to try to extend us credit.     Second, there was no insufficiency of cash. We had ample cash resources to close without the loan.     Third, the statements are false and clearly negative and will raise questions for any future loan transaction. Insurers also check my credit and set rates accordingly and could increase rates for such things as lack of cash.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I open and account with Bank of America and they locked my account up a year go saying my check business name didnt match Bank of America switched the name of the account I open my business account in XXXX XXXX and they switched it to XXXX XXXX and now my account has been closed a whole year
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Frozen Bank of America Checking Account Dear Sir/Madam , I am writing to file a formal complaint against Bank of America concerning my checking account, which has been frozen due to alleged suspicious activity. The lack of communication and transparency from the bank has not only caused significant financial inconvenience but has also adversely impacted my financial reputation. 

My checking account number is will be provided when asked. I first noticed the issue when several payments I made were returned, despite my account showing an available balance. These returned payments have resulted in numerous fees from external creditors and have damaged my financial standing. 

Upon contacting Bank of America to understand the situation XX/XX/XXXX, I was informed that my account was frozen but was given no further explanation. I was repeatedly told that an investigator would contact me, but I have received no calls, emails, or any form of communication from the bank. 

I assure you that all transactions made through my account are legitimate, and I am more than willing to provide justification for any transaction that the bank may have questions about. However, without specific information on which transactions are considered suspicious or the trigger for this action, I am unable to address the bank 's concerns effectively. 

The lack of communication and transparency from Bank of America is not only distressing but also goes against the principles of fair banking practices. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I have no knowledge or ownership of this account. Please provide original proof of debt and ownership ex : Bills, Contracts. my stated I.D,  Signature. any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act and The Equal Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act. Please make sure Credit Laws for State of North Carolina and federal Laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau, FBI, and Federal Trade Commission and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in Federal  Court for violation 's ~815 ~808 ~809 of Federal Credit Law. 

National Credit Systems is reporting inaccurate information on my credit report. The account in question is not my account. I have contacted NCS to get this matter resolved just to be cursed at, hung up on, yelled at, not giving me any information and very unprofessional. I filed a XXXX   complaint and in there response NCS lied and stated that they were reporting a different name on my credit report. This company has taken advantage of me and I need someone to investigate this situation As you will see in the documents attached NCS has lied to the XXXX  in reporting XXXX  XXXX XXXX on my credit report and as You can see NCS is actually reporting XXXX  XXXX XXXX on my credit report. Neither of the accounts belongs to me.