davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2020, I transferred {$40.00} to my relative in XXXX. She was unable to cash the money due to a minor error on her ID card so I was compelled to cancel as Western Union refused to fix it. I demanded refund. I was told it would take XXXX business days for the money to reach my bank. After 7 business days I did not see the money in my account. When I contacted Western Union, I was told to check with my bank which I did. My bank denied receiving the money. I also cancelled a transfer I made on XX/XX/2020 also to the same receiver in the amount of $ XXXXPlease find below details of the transactions : XXXX/XXXX/2020. Matching # XXXX XXXX XXXX amount {$40.00} receiver XXXX XXXX XXXX XX/XX/2020 Matching # XXXX XXXX XXXX amount {$40.00} receiver XXXX XXXX XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

My name is XXXX XXXX and I bank with BBVA Compass with account number- XXXX I was charged several NSF , overdraft fees, and extended over draft fees. These were charged to me due to XXXX transactions and the bank continued to let XXXX company try to take the money out twice and charged me XXXX NSF fees. All the fees include a {$38.00} NSF fee on XXXX for XXXX, XXXX NSF fee for XXXX XXXX for {$38.00} on XXXX and another NSF Fee for the same transaction but a retry with another {$38.00} fee on XXXX, along with XXXX extended overdraft fees on XXXX and XXXX. That ends up totaling {$160.00} which is alot, Please email me at XXXXXXXXXXXX with any questions thank you
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I am reaching out to you today because I feel that XXXX, Experian, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I recently noticed that I could not access my account saving account. When I called Chase Bank they notified me that my account had been closed. I had only deposited a few checks and had no withdrawals on the account. It was closed within 15 days of opening.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (FL)

I figured out that I have a mistake in my report. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2020-12-23
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: JPMORGAN CHASE & CO. (WI)

It appears through some point the JPMCB CARD SERVICES Phone ( XXXX ) XXXX Type of Industry Bank Address XXXX XXXX XXXX, XXXX, DE XXXX, has taken a personal interest in my credit worthlessness, numerous hard inquiries have been made since I discovered fraudulent activity back in early 2010, suddenly out of no where I have had several repeated hard inquires that are both unwanted, unauthorized and making my credit look like a an imbecile. 
I 1st and foremost take exception to any inquires, I do not want nor do I wish to do business with JPMCB. I demand they retract the actions as they were never authorized by me. 
I say back off XXXX, unless you have reason to call, then pick up a phone or write me. I am not going anywhere!
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

My account was restricted and then closed in XXXX due to some checks that where made to my fathers name who passed away. When the account was closed I was told I had to go to a chase branch bank and submit documents proofing that I had authorization and bring in the death certificate The funds would be released in a form of a cashiers check until this day I have not received does funds I have went up to the branch 6 times and every time the documents are being scanned by the agent in the branch and We are told they never received them so they are needed when in fact the agent has submitted them 6 times. Dates I have been to bank are XXXX. ( take in to consideration that I have spend the whole day in branch for this issue ) Fund amount that need to be released is for {$550.00} At the end of every phone call I am told the documents are received and the check will be mailed but that is not true it has not been mailed. That money is legally mine and is not right that I am being played with my time. Does funds have been on hold for 2 months.
Consumer complaint received 2023-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (SC)

XX/XX/2023 at XXXX To whom this may concern, This pertaining to account number XXXX. I am requesting that Professional Finance Company sign an Affidavit of truth in writing that I XXXX XXXX and XXXX XXXX are debtors and Professional Financial Company is the creditor and they in fact loaned XXXX XXXX and XXXX XXXX money on XXXX XXXX. During this time I am also requesting that a cease and desist from repossessing my vehicle and reporting any negative items on my consumer report, this will start upon receipt of this notice, due to this being a serious matter I will be waiting for your response if no response next will be a default in all parties will be held liable.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (PA)

I repeatedly since XX/XX/2020 been sending and calling in every month to have this collection deleted from my credit report. this is not my debt I don't know who you guys are and I don't have a contract or an agreement with you. I do not owe this company any money. I have 3 collection on report from this company totaling {$1500.00}.
Consumer complaint received 2017-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (RI)

I am a Coinbase customer whose account was locked with Bitcoin inside by mistake by Coinbase at   XXXX   XXXX  . The total amount is about   XXXX   Bitcoin which values about 3000 USD at that time. The reason the account was locked is that the company believed I was making Bitcoin transaction at  XXXX , which is not true. Because there is no transaction made since   XXXX   XXXX  . Besides, all my transactions happened in the US.
After finding my account was locked, I tried to reach the company support and provided all the material they claimed they need to unlock my account, and the company said they will working on it. However, it has been 15 days since I got that reply from the Coinbase support and there is nothing changed. After that, no matter how many messages I sent asking about the progress, there is no reply, and my account is still locked with my fund inside.
Consumer complaint received 2023-07-10
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. (OH)

Hello, there is a Hard Inquiry on credit report from today XX/XX/2023 in which - *I did not initiate * with JPMCB CARD SERVICES Inquiry : XXXX. XXXX, XXXX. XXXX retrieved via XXXX  XXXX  today. I did attempt to reach out to the company at the # on ( XXXX ) XXXX without any success of speaking with someone.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Convergent Resources, Inc. (IL)

in accordance with the fair credit reporting act XXXX has violated my right. 
15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MS)

I have a sole proprietorship. I use venmo for my financial transactions. My husband passed away I moved back with my family states away never thinking of these accounts until an old customer requested receipts from me. Upon calling venmo and XXXX  XXXX XXXX. I found out that my account has been compromised all of these years. Thousands tens of thousands of fraudulent transactions have went through and I was never notified of any of the transactions or the account log in credit shows being changed. XXXX XXXX XXXX  is trying to tell me that. They have an account profile with my name, address, date of birth email, and phone number with no transactions underneath it. Venmo has been dragging their feet and playing ignorant to the disputes that I am sending to them on all of these transactions that were unauthorized and not mine and have not sent me my money back..
Consumer complaint received 2020-12-23
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. (CA)

I have disputed personal information that is incorrect on my credit report with experian they have declined to corrected, In addition, I have disputed a collection being reported under the credit file maintain under my social security number with Experian and also requested their Method of Verification and deny to provide me that and deny to investigate further.
Consumer complaint received 2024-02-29
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. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I wrote Experian on last month concerning a late payment that should not be reported on my consumer report as late or delinquent Experian has failed to do a proper investigation and to update my payment as paid on time. 

See documents an attachments
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I unfortunately pulled amount a 2 loans to pay off my rent at the time. One was roughly around 400 and the other was estimated at 900. at the time I was struggling a bit during the pandemic to pay my rent due to me not being able to work. My daughters daycare was closed due to covid. I couldnt really make money at the time, so I took out a payday loan. I thought paying back XXXX overtime wouldnt have been so hard, but then I was attacked of course with 304 % of interest which ultimately made paying the debt back difficult for me. My daughter is still out of school, and since this pandemic I havent had steady transportation back and forth to work nor a steady and trustable sitter. Covid really made it things a lot harder. I guess I assumed at the times of the loans that I wouldnt still be going through a hardship months later. Ive called before once receiving letters that I might be put into collections if I didnt negotiate payments, or that they will reason with you depending on hardships. The first time I was called I was placed on a payment plan ... the next time I called after the next letter and explained to them that I wasnt able to pay the bill. I was told that garnishments will take into affect of i didnt come up with the XXXX $ to start off my new payment plan that already discussed I couldnt afford at the moment. Even when I said I didnt have the XXXX at the time, he threatened that if I didnt come up with a way, they would send letters out that morning. It really hurts because most companys had some type of covid relief, such as student loans, comed, and even housing finally came up with something to help people. Americash loans kept taxing on 304 % interest every single day since the summer, even though Ive explained countless times I cant afford it. I am still to this day 2/3 months behind on rent, and now the little times Im able to work actually .. they now have 2forms of garnishments sent to my employer. They also sent me letters threatening that if I revoke it, they will send me to court. I am now XXXX left in debt for payday loan, not to mention my rent, and Im still looking for steady transportation and a steady babysitter so I can be able to pay some of these bills off. I feel so horrible I took out a little over XXXX for rent and now I am being charged with thousands and still cant even afford rent. I wish this Americas loans took in consideration that I am definitely human and is in the middle of a pandemic. The fact Ive explained to them my issues and still have been taxed through the roof, had my wages garnished, and even failed to come up with an agreement with me is a lot. I dont want to be in unnecessary debt for more than what I even borrowed and I really dont want to have to apply for bankruptcy. I have few letters stating the same threats but I can load one at the moment. Ive once again tried to handle this on my own. If cfpb cant help me, I will be filing bankruptcy soon.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Bureau of Carbon County (WY)

When Collection Center Inc. was trying to collect this debt for   XXXX   XXXX   XXXX   bills. They called me in  XXXX  of 2017 and asked me where best to serve me. I told them I lived at   XXXX   XXXX   XXXX   XXXX     XXXX , Wyoming  XXXX  but I would be moving shortly after graduation. I moved out of my residence on  XXXX   XXXX  2017. They served papers to my former roommate   XXXX   XXXX   on  XXXX   XXXX  2017. He did not inform nor was he required to. I would not be made aware of this until I received a forwarded letter from   XXXX   XXXX   XXXX  , Circuit Court saying that Collection Center Inc. had won a judgement against me because I failed to appear. I was n't afforded my right to defend myself because I was n't served papers in the county where I resided. This is a illegal judgement because federal law requires that they inform me they are attempting to collect this debt.
Consumer complaint received 2023-05-22
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: Self Financial Inc. (AL)

On XX/XX/XXXX I reached out about the inaccuracies on my credit report caused by XXXX  XXXX XXXX I will be providing proof that your company is reporting inaccurate information on my report on all three credit bureaus I dont understand how this is coming back verified when none of the beaurus match across the board Im extremely upset and this is causing my life to be affected tremendously please remove immediately
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (FL)

XXXX XXXX  opened an account without my consent or knowledge. On XX/XX/2023, I received a debit card in my home mail for a new bank account with them. I do not have any account or services with XXXX XXXX  and I have never had them and I am not interested in having any account with XXXX XXXX. 

I want to make the claim that XXXX XXXX  opened said account without my knowledge and this is identity theft on their part. Since I have never provided my personal information to XXXX XXXX.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

The acct opened in XXXX 2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after XXXX. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} ( XXXX+XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. Comenity Capital Bank has since closed my acct, sold it to XXXX, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX  I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (OH)

A company by the name of National Principal Group contact myself and several of my family member leaving a threatening recorded voice message. I spoke to XXXX of their " representatives '' all of which claimed I owed a several hundred dollar balance on a pay day loan, which I had never taken out. Each time I contacted their offices to request emailed documentation of the alleged debt, I was assured that it would be sent. Finally, after XXXX attempts to recieve this email, they sent a generic password protected email. I called back to question how to open the attachments, and the office manager hung up on me. I called back XXXX more times, and was hung up on XXXX times. I believe this to be a fraudulent company.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (VA)

I am filing a complaint against AFFIRM INC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : AFFIRM INC, Account Number : XXXX. The account that is reporting on my XXXX report is stating that the balance of {$390.00}. I would like you to fix this, please.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a withdrawal of {$1000.00} from my Bank of America PrePaid card that I myself did not make in XXXX XXXX. I called to make a claim regarding that XXXX XXXX and they told that they would look into it, XXXX XXXX I received a letter stating that my claim was closed. I called again to have the claim reopened since I did not make that withdrawal. They have asked me to send in a photo of my ID to compare to security cameras where the withdraw was made, as well as call back every week to check in. As of today XX/XX/XXXX I still have not received my credit. I have done everything they asked me and they keep giving me different stories everytime I call.