davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (CO)

My checking Line of Credit product is overdrawn. Upon the payment coming overdue by 1 day, the institution took all funds out of my checking account automatically and applied it to the overdrawn balance. A week later my military paycheck deposited into my checking account and every penny was immediately transferred toward the balance as well, automatically. I contacted the institution and they informed me they refuse to reverse the transfers and that any money in the account will be automatically transferred until the balance is satisfied. This is, in effect, garnishing my wages and also caused approximately 35 NSF fees totally ~ {$750.00} because they will not allow me to deposit funds to cover these payments. I am in touch with an attorney and prepared to take this matter to court for the full amount of any debts with the institution with additional funds for the financial stress and credit damage that this has caused.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (MA)

I was looking to establish a credit line ( through XXXX XXXX ) online for the purchase of a new cell phone. I was notified after electronically applying, that " additional information '' was going to be needed to properly process my application. " Barclays Credit Card '' requested that I send them photo copies ( both sides ) of my Drivers License AND my Social Security Card.. I have a " XXXX '' credit score across all three reporting bureaus. Although I'm personally offended ( considering my credit worthiness ) I also believe some type of " scam '' is somehow in place if Operator License info and both sides of a Social Security Card are being requested - especially in today 's day and age, with all the attempts at ID fraud etc.. PLEASE look into this!!!
Consumer complaint received 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

My Citibank XXXX XXXX Credit Card credit limit of {$20000.00} was decreased to {$18000.00} on XX/XX/2020 after filing two Consumer Financial Protection Bureau ( CFPB ) complaints against Citibank regarding two unresolved disputes on XX/XX/2020. In addition, Citibank acted in reprisal after invoking my Servicemember Civil Relief Act ( SCRA ) rights within the disputes and CFPB complaints.
Consumer complaint received 2022-02-17
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. (GA)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-01-14
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: MAJR Financial Corp (TN)

Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX  hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX  is not my account MAJR FINANCIAL CORPO showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine
Consumer complaint received 2019-01-14
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: CITIBANK, N.A. (TX)

Sears Master Card - {$1000.00} They closed the credit card completely was current on payments.

Sears Card - {$250.00} They closed the credit card completely was current on payments.

XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments.

XXXX XXXX - $ -XXXX- They closed the credit card completely was current on payments.

XXXX - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open.

Home Depot - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (TX)

I called chase bank couple times and see if they can add my XXXX XXXX rewards credit card back onto my XXXX  report so far no answer and it still hasnt added back to my report and its hurting my credit score and I dont want lose my other credit cards and have my score to be in a bad credit status and no one is able to added back I never called in to XXXX and reported this account fraud or request a fraud block on my chase account ending XXXX and my current credit score is XXXX and that not good at all
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (CA)

On the XXXX of XX/XX/XXXX, My bank account had a judgment Levy without my acknowledgment and notifications letters that were sent to an address I never lived at 6 hours from where I reside. First dispute. 2nd the money taken from my bank account was saved from workers compensation checks ( from XXXX ) code ccp 704.160 in the amount of {$3800.00} which left me with {$0.00} balance and unable to pay bills even let alone gas for vehicle. Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX  a 3rd party collections agency ( XXXX  ) XXXX   When I asked about proofverification of debt and why I never received any mailed letters they responded that they were sent to a city I never lived and if I didn't receive them to do my own investigations with County where I reside. Indeed I did. I filed a claim of exemption XXXX XXXX and financial statement XXXX XXXX and physically delivered XX/XX/XXXX to XXXX which was 2 hours from where I reside due to time sensitive dates due to no verification letters. They have 15 days to contest by XX/XX/XXXX and I may have to face a judge if so. My complaints are as noted no verification letters of debt, judgment letter sent to wrong address and theft of my XXXX/workers compensation money in XXXX XXXX account. XXXX   sheriffs office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX handled all the judgment paper wk and I live in XXXX  county 2 hours away. Can C.F.P.B please help in this time-sensitive matter and reach out to Midland funding and or XXXX. Sherriffs office. I could use the great service you offer to people such as myself. Filed exemption forms on XX/XX/XXXX. Midland has 15 days to contest so anything C.F.P.B can do in this time frame would be greatly appreciated.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. Acct. XXXX
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

last week someone send checks and told me to deposit to my account or else something bad was going to happen, yes a scam. i was terrified so i did what told. the scammer started saying and threaten that i need to return the money or else bad things will happen. i did what told. my bank this monday, rejected the checks being the deposit on my account. leaving me with minus XXXX on my account. i talked to my bank about the situation. and chase did not help or even attempt to listen in fact. i told them i had not approve of this, and they did not help or direct me towards the right person.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I never received my package because the mail carrier I went to the posted off because it's said my package was delivered so I thought maybe it would be there the lady at the front desk called the carrier and he said he put it in the wrong mail box but then said the package was to big to fit in the box I asked my neighbor and they said they saw a package but I don't know if that was mines or who took it the XXXX XXXX told me I had to have insurance but it was the mail carrier fault for putting it in the wrong box I told chime this and I sent my Police report and everything this happened XXXX XXXX the package was a fire stick for the amount of {$100.00} I been fighting this claim since that dates and they have denied me several times On XX/XX/22 I made another claim For the amount of XXXX someone used my card after I losted it I filed a police report as well I got denied I ask them to reopen the cases now I waiting the and the 1st case I been fighting for almost a year
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc. (MO)

My name is XXXX XXXX XXXX and I don't have any form of contract or agreement to FIRST COLLECTION SVCS ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX. I have been sending written letters to XXXX about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX XXXX XXXX but until now, I got nothing. This is a serious matter for me and XXXX and the furnisher should take this complaint seriously.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.
Consumer complaint received 2019-01-14
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. (KY)

On XX/XX/2018 there was an application for a credit card with XXXX   XXXX  reflecting on my file. I immediately contacted XXXX XXXX and they confirmed the application as fraud and cancelled it. They assured me that they would send me a letter stating such and have it updated with all three credit bureaus. XXXX XXXX did indeed send me a letter as well as updating the bureaus as two of them have complied. Unfortunately. the inquiry remains on my Equifax report. I have sent several letters and have spoken to several representatives and managers at Equifax and they state that they can not remove it based on the information I have provided as they need an electronic transmission from XXXX XXXX. I participated on a 3-way phone call with a manager from Equifax and XXXX XXXX discussing how to get this removed. XXXX XXXX agreed to send he electronic transmission again. However, they would have to send it to all three bureaus as they can not send it only to Equifax. I agreed as the other two had already removed the inquiry as it was added in error. Equifax has yet to remove this inquiry and this is making it difficult for me to obtain good credit. Net month will make it an entire year that Equifax has not complied with XXXX XXXX. Please help me with this matter.
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Federal Adjustment Bureau, Inc. (NC)

I applied for an apartment complex, XXXX XXXX, who uses FABCO for their third party screening. I applied and was approved at the end of XXXX. The FABCO  inquiry shows on my XXXX   credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from FABCO  on my report. I quickly called FABCO  to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to FABCO  and let them know this was an inquiry in error. I also sent a dispute letter to XXXX which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. XXXX  has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
Consumer complaint received 2019-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MA)

My complaint is with PayPal. I was directed to the CFPB by a contact found on the XXXX website, so I am hopeful that this agency can help me. 

I was recently told by PayPal that a payment made to me for an XXXX   auction was being disputed as being unauthorized. This was for an auction which had both ended and the product had been mailed and received by the buyer. This seemed odd as the buyer had provided positive feedback and the USPS tracking number showed that the product ( a set of books ) had been delivered. 

Of particular concern was that the notice from PayPal offered no way for me to provide an information. Neither did their website. There was no apparent way for me to respond to this claim. 

I did contact the buyer through XXXX 's messaging system and they confirmed that they received the product. At first the buyer was unaware of the dispute and felt the email I received might be a scam. However he was later able to determine that through a miscommunication another member of this family was unaware of the purchase and so flagged it as unauthorized. According to him, they contacted PayPal to try and cancel the dispute. 

A month later I received a second email from PayPal which said that they found the dispute to be credible due to " We did not receive proof of shipment ''. Something I could clearly provide with a USPS tracking number. Yet again, I was provided no way to respond to this or offer any supporting evidence for my side of this claim. 

In addition to this I was informed that I was being charged an additional {$20.00} as a " chargeback fee ''. Their email even states that I may not have been expecting this fee. How is it that a fee can be levied without notice -- which their email even calls out. 

I understand that PayPal is not considered a bank which I why I approached the XXXX to start with. I don't know if this falls under the CFPB umbrella either. Yet this company which moves huge sums of money around must fall under someone's jurisdiction. 

All I am looking for is a way to provide information which is relevant to this dispute. A dispute in which both sides agree that a mistake has been made! PayPal does not appear to offer this in any form. 

The PayPal dispute number is XXXX. 
The tracking number for the shipment is XXXX. 
I am attaching a text file which includes the email exchange between myself and the buyer.
Consumer complaint received 2022-07-27
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: AFNI INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  account # 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 602 A. Section 2 : it also states the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2019-01-14
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: Ascendium Education Group (FL)

I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help