davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion but did not get a response..They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-23
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. (CA)

I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX XXXX, XXXX, The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and the following accounts are not my responsibility XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I used Chase Freedom Credit Card in XXXX XXXX XXXX XXXX to buy a suit with pant. According to XXXX XXXX policy, it's well known for both the shop in XXXX and the website of XXXX XXXX that they provide 1 year warranty for themselves. For Chase Freedom Credit card, it provides additional 1 year warranty outside of the automatic 1 year warranty. My pant broke after 1 year but within 2 years range. I filed claim to Chase asking for the insurance cover for my pant purchased at XXXX XXXX XXXX XXXX. 

Chase refused my claim and closed it saying it requires me to provide the 1 year warranty pdf file from XXXX XXXX. I contacted XXXX XXXX customer service, and I was told that they do provide 1 year warranty to their suit and pant, but they don't have that warranty policy as a PDF file on their end. 

Since I don't have such a PDF file of XXXX XXXX suit 1 year warranty. Chase refused and rejected my claim for the broken pant. I think this is ridiculous. Chase try to avoid paying customer the insurance coverage by requesting impossible file from customer which violates the main goal of their credit card insurance policy. If they can't provide insurance coverage for customer using their credit card buying merchandise, they shouldn't say they provide insurance coverage for merchandise purchased by their credit card. I want my full refund of the payment for my suit and pant purchased using Chase Freedom Credit Card.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Bank of America & XXXX XXXX have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from Bank Of America under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NJ)

Was in communication with CFPB with case # XXXXI was under the impression that this debt was deemed satisfied because I never heard back from the creditor, Williams & Fudge. Last email with said institution led me to believe this was deemed satisfied since I never heard back and it was removed from my credit report. 

Come to know, that the original creditor rider university was given the account back without my knowledge either written or verbal and is threatening to report it again without payment which due to lack of communication by either party I thought was taken care of.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (RI)

PayPal Credit established an account in my name without authorization and subsequently sent this account to collections.

I did not agree to become indebted to PayPal Credit. I did not authorize PayPal Credit to create a debt in my name.
Consumer complaint received 2018-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX, and their Attorneys XXXX and XXXX XXXX, Filing a fraudulent foreclosure action and having me illegally evicted in Violation of the Service Members Civil Relief Act and the Illinois Service Members Civil Relief Act against me and my mom ( deceased XX/XX/XXXX ) and my father ( deceased XX/XX/XXXX ) My parents are XXXX and XXXX XXXX , The mortgage was paid off on XX/XX/XXXX see document # XXXX. The illegal foreclosure and sale was intiated on XX/XX/XXXX the case # is XXXX, The court lacked Jurisdiction to hear the case In violation of the SCRA , the names of the Judges who sat on the case we're Judge XXXX and Judge XXXX they also engaged in Self dealing by having the Sheriff evict me in violation of the SCRA.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

I have an Apple credit card by Goldman Sachs. I purchased some items for XXXX that I subsequently returned. The refunds were for XXXX and XXXX and were processed ( hit my credit card account according to statement ) on XX/XX/2022 and XX/XX/2022. I bought an XXXX XXXX sometime last year and decided to pay it on installment basis, with 0 % financing. The outstanding installment balance is {$870.00}. I always prepaid any and all balances in my account before they are due. 

I had also filed a dispute as I had made a purchase in XXXX that the vendor had not delivered by middle of XXXX, so after hours of calls, I asked Goldman to dispute it. That's another {$3200.00} dollars, so technically, I have over 9,300 dollar credit ( i.e., Goldman owes me ) balance in my credit card. After more than 1 month, they still have not resolved that dispute. When I went to make a purchase and it was denied, it is when this whole situation unraveled, as the 3,200 conditional credit issued was reducing my spending limit, even though, and ignoring that conditional credit, I had over {$6000.00} balance owed to me. 

Goldman Sachs refused to wire me the outstanding balances in my favor, when I asked that they be returned immediately. Initially they told me they would send me the balance less the installment credit balance, which they will use to repay the installment loan on a monthly basis as it becomes due. That amounts to cash collateralizing the installment loan for no reason, with the pernicious consequence that the installment balance at the same time affects the credit balance in the account as well as my own credit score since the debt would show as outstanding. They told me they can do all of that, with any cash balances in my favor, per policy and bank regulations. I told them they didn't have the right to withhold my money, they didn't have the right to cash collateralized the installment loan and that I wanted to close out my credit card and get my money back. They told me a ) somebody would get back to me within 10 business days to answer my complaint, and b ) they would have to evaluate my account since I want to close it and would decide after several months what they would do, which didn't answer when I would get my money. 
I also challenged them to adjust my spending limit by the cash balance in my favor, so that I could make the purchase, to which their answer was " we can't do that '', and you have to use another credit card, i.e., take your business elsewhere. 

Well, this is exactly what I am doing, I purchased the item on my Platinum card and I hope you help me get my money from Goldman, but more importantly, curve this outrageous behavior. They should be paying me interest on my balance!
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (WI)

On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank refuse to remove Unauthorized fraudulent charges are still not removed from this account.The creditor stated that they are going to close out my credit card and personal checking account with them. They have not given me a valid reason why they are closing my credit card or checking account I was told by a representative when I called in to come and get all of my money out of my checking account or they will mail me a check and they are closing my accounts with them. Them closing out the credit card will cause my credit to decline especially with the unauthorized fraudulent charges balance. This is retaliation against me for reporting them for not protecting my rights under FCRA laws as a victim of theft.
Consumer complaint received 2018-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SUNTRUST BANKS, INC. (NY)

When signing up for loan through Sun Trust Bank, advertised as allowing auto-payments with a reduction in interest for using auto payments. No asterisk or fine print associated with this claim on their website. Still seen here : https : //www.suntrust.com/XXXX " 0.25 % interest rate reduction for auto pay. '' Today I called and spoke to both the Lender ( Sun Trust Bank : XXXX ) and the loan serving company XXXX XXXX XXXX XXXX : XXXX ). Both informed me that automatic payments will not be accepted on my loan because I am paying interest-only while in school. They state that their computer system can not handle this. Clearly this is a deliberate predatory practice designed so that customers will forget to make manual monthly payments, so that the company can collect late fees and additional interest.
Consumer complaint received 2019-05-07
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 (WA)

On XX/XX/2019, my wife 's wallet was stolen from her office. She called USAA and all the other credit companies immediately to report her wallet/card ( s ) stolen. USAA turned off the wrong card. We began relieving text alerts of suspicious charges which we immediately called USAA to report as unauthorized. At this time they assured us the card was turned off and no further charges would be authorized. However, we continued to see charges populate on the turned off card. We called back, they again assured us the card ( s ) were turned off and we would not be responsible for the charges. The charges in dispute were taken off our account and days later they were put back on. We were told we would be responsible for the charges, as the USAA fraud committee determined that since, 'the thief used the chip on card, it can not be fraudulent and we are responsible for the charges '
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I had realized that my Bank of America checking account was compromise with two unauthorized transactions one was a wire transfer for the amount of {$3200.00}. 
The other one was the XXXX  transfer for the amount of {$3500.00} to A person by the name XXXX, XXXX XXXX XXXX confirmation of transaction # XXXX. 
Both transactions were made on the same day assuming the same person. I have screenshots of the transaction, and they were made by the same person. And my application for my Bank of America mobile app I was able to check the last few numbers off a cell phone number, which did not match my.
Consumer complaint received 2024-03-02
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: EQUIFAX, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I recently reviewed my credit report and I have tried to reason with the company ( XXXX and Equifax ) about this FCRA error on my credit report. I received a copy of my credit report and noticed unauthorized inquiries. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-03-11
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: BARCLAYS BANK DELAWARE (IL)

There were several refunds on my account so I had a negative balance due. Without my permission or noticing me, the credit card company refunded the balance of {$1000.00} to me on XXXX XXXX 2021, but I never received the refund check. I called them many times to resolve the issue, but each time they said it is under investigation. The case number they gave me is XXXX.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (IN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I recently opened an XXXX and PayPal account to sell products online. After opening the XXXX   account as i expected they places certain restrictions on ny account to avoid fraud during the first 90 days. After which they remind ed those restrictions. Shortly after the restrictions were removed by XXXX, PayPal their sister Company then placed the very same restrictions on my Paypal account that XXXX had just released wherein they were homsing the buyer payments until the buyer receives their item. When I contacted them to ascertain why they were doing this they would not give me an answer even though there was no history on the account of any wrongdoing. I was advised by PayPal to get around the hold I should contact my buyers and negotiate with them to lie and say they had recieved the items they purchased from me even though they had not. In effect giving buyers the ability to blackmail sellers into giving them price breaks or partial refunds in exchange for the seller claiming they received an item they clearly had not recieved. This would cause the seller to lose money and the buyer to surrender their rights to any claims via PayPal but would in fact benefit Paypay as they could then deny any potential legitimate claims made by buyers. What XXXX doing is basically encouraging both blackmail by buyers so sellers can get money that is being unjustly held by PayPal who in turn is getting interest from said held funds and unjustly denies the buyers any future claims as a result thereby unjustly enriching Paypal.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Received notification on Saturday, XX/XX/XXXX that read : " YOUR STUDENT LOAN IS ABOUT TO DEFAULT! 
WE CAN HELP! 
CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. 

Contact us today so that we can help you avoid the serious consequences of defaulting on your student loan ( s ). 

If you are unable to make a payment, there may be options to bring your account ( s ) current as soon as today! Once current, we can explore repayment plan options to help you stay current. Calling our expert loan counselors today is the fastest and easiest way to resolve this delinquency. 

If you don't take action and your loan ( s ) default the balance will become due in full. You risk having a portion of your paychecks garnished and your future federal tax refunds withheld and automatically applied to the balance of your defaulted loan ( s ) until paid in full. On top of this, collection fees can be assessed increasing your balance as much as 15 %! 

Take action now so we can help you remain in control of how your student loan ( s ) is paid. As  mentioned above, once your account is current, we can look into repayment plans that will help make your student loan payment ( s ) affordable for the long term. 

PLEASE CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. WE WANT TO HELP! 

You can also contact us via email at XXXX or via our website mygreatlakes.org. '' When I contacted the new loan holder ( AES ) on XX/XX/2018 they showed by account in good standing/current as of XX/XX/2018. 

I called XXXX XXXX on XX/XX/2018 to inquire about why I was receiving delinquency notices when the account was up to date but they claimed they could not change anything until they received the information from AES. 

I called AES on XX/XX/2018 who confirmed my account was in good standing and told me XXXX XXXX has all the information regarding my account and was unsure why they were sending me deliquency notifications.
Consumer complaint received 2022-03-11
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. (NC)

I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all fraudulent. i did not apply to any of these accounts