davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
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. (NV)

On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with XXXX.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC (FL)

A person named XXXX XXXX from Independence Capital Recovery LLC contacted me today XX/XX/23. I did not answer because I was at work! They left a voicemail, but didnt say anything about who or what I owe. On my way home from work today, I received a text message from my landlord telling me that they called her! Told her that they have been trying to contact me for a long time! This is the first that I heard of these people! My landlord was very upset! Im very worried that I will not be able to renew my lease because these people have harassed her! Why would you call my landlord?! Then on top of that, my father in law told my husband that they called him too?! This feels very illegal! The law says that they can call a third party to locate me. They literally called ME! So they already have my contact information!
Consumer complaint received 2022-05-14
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: AMERICAN EXPRESS COMPANY (MD)

In accordance with the Fair Credit Reporting Act, American Express 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 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number 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 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

I had opened a Wallet on Coinbase. I wanted to invest some money, when I joined a smart mining pool. I initially placed {$16000.00} in the pool, and within a week it had disappeared. I called Coinbase to report the matter immediately after I noticed the money was missing, and they asked me if I had shared my security key with anyone, and I said I had not. They said that no one had access to that wallet, but they would investigate the matter for me to try and get my money back. I had told them that I had joined a smart mining pool, but they did not say anything to warn me about that that it could possibly be fraud, they simply said nothing, other than they would investigate and they put a freeze on my account so no one could access it, put money in or take it out. The next day I received a phone call from someone saying they were from Coinbase, and said that the transaction was legit, that they were running the smart mining pool that I had joined, and that they had taken the funds and moved them to another account, and that if I would invest another {$50000.00}, I would receive my money back that had been taken, along with double interest, the reason being was to promote their company with more assets. I tried to call Coinbase back to see if this was legit, and I was not told anything at all, other than they hadnt heard about it. Again, I was not warned about anything, I was not told to look out for anything that this could possibly be a scam, and then Coinbase allowed my account to be unfrozen, at which point I invested the money and lost all of it as well. Coinbase refuses to accept any responsibility or help me in anyway. I am willing to accept the loss on the first investment of the XXXX, but I have asked that the other XXXX be returned, because I feel that they were negligent, and did not help me or warn me of any dangers. They will not respond to my complaints they will not respond to anything at this point, and I am seeking help in this matter. It started on XX/XX/XXXX, I had the first initial I taken about XX/XX/XXXX, at that point I called Coinbase, and I lost the rest by XX/XX/XXXX. I was told the only way to get my initial investment back, was to invest another XXXX. I cant get help from anyone in this matter, it has caused me a great deal of financial harm.
Consumer complaint received 2022-05-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dovenmuehle Mortgage, Inc. (GA)

I know that no valid direct verified contracts exist with me and another party by XXXX XXXX XXXX, I know that any attempt to collect a debt is actually alleged indirect action, I did not give consent to benefit from or utilize my authorized credit. as per 15 USC 1602g,
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

In accordance with the Fair Credit Reporting Act XXXXt Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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 (FL)

Hello, The complaint I am filing is against Chime Bank. On XX/XX/XXXX I filed a dispute regarding two ( 2 ) unauthorized transactions charged to my account. 

The first transaction was done on XX/XX/XXXX at XXXX in the State of Ohio XXXX The merchant name is XXXX XXXX XXXX restaurant ) in the amount of {$40.00}. 

The second transaction was done on XX/XX/XXXX at XXXX in the State of California XXXX The merchant name is XXXXXXXX XXXX ( dining delivery ) in the amount of {$43.00}. 

I live in XXXX, Florida. There is an authorized transaction I physically made at XXXX Pharmacy here in OXXXX on XX/XX/XXXX. I could not have made those other transactions. 

Initially, Chime Bank gave a temporary credit for the first disputed transaction, and then this morning I received two emails regarding the disputes from Chime Bank. 

The first email states that they are reversing the credit given for the 1st transaction ( {$40.00} ) based on their " investigation ''. The second email states that they will not credit funds for the 2nd transaction ( {$43.00} ) based on findings in their " investigation ''. 

I have phoned Chime Bank, informed them of their obvious error, demanded it provides the documentation it used to reach its conclusions, and stated that if they do not reverse course, I will permanently close my account with them. 

Regardless of the fact that this is not a large sum of money, it is my money and I did not make those transactions. I have used Chime Bank since XX/XX/XXXX, have made ALL transactions here in XXXX, Florida and have had no issues until now. However, this is ridiculous and wrong.
Consumer complaint received 2022-05-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (FL)

I went to XXXX XXXX University. I see that they have a lawsuit for issuing degrees to people who did not meet academic requirements. They gave me misleading information and didnt assist with job placement. I am in debt behind this university. Please investigate. 
https : XXXX
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was mistake to close my PayPal account. I am using my PayPal account for my online business and digital marketing Since XX/XX/2021 when the time of pandemic a rise and the lockdown in our area was implement. My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (MD)

Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.
Consumer complaint received 2022-05-14
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act XXXX  account account # ending in XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I applied for credit card at XXXX XXXX. Filled out the application and was denied immediately. My credit score is excellent by the way. So I waited XXXXdays to get a letter from the lender. It says they denied me for insufficient number of accounts. I assure I have plenty of accounts. So I called the number listed. The woman I spoke with was from Experian so I checked my credit report on their website and also checked my reports on XXXX and XXXX scores were XXXX and XXXX respectively. The Experian report has my name and address and all my personal information but NO CREDIT ACCOUNTS and says my credit score is 0!! So she said she would send me a package by mail to fix this problem but said it would cost me a fee of {$360.00}!!!!! I am OUT RAGED!!! Let me get this straight. I have to pay this for their mistakes??
Consumer complaint received 2022-05-14
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. (MD)

Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused me.
Consumer complaint received 2019-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (RI)

I contacted Chase onXX/XX/XXXX to advise of my flight being canceled & an incurred hotel expense. I have the Chase Reserve Card that has travel insurance. I was told that a claim form would be emailed to me. Two weeks later I contacted them again when I had not received anything. They advised the email had not sent. I submitted the claim form and all requested documents. They then advised the documents would be reviewed within 5 days. Two weeks later I called for an update, they said they'd do it then. I then got an email requesting documents that I had already submitted. I submitted them a second time. Chase seems to be delaying in an effort to not pay the claim in accordance with their cardmember agreement.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business. ( XXXX XXXX ) My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes.And I'm hoping that it will get back my account and able to withdrawn my funds. 
Thank you and Godbless.. 

{$130.00} XXXX XXXX
Consumer complaint received 2022-05-15
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. (NY)

To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.
Consumer complaint received 2022-05-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX, of XXXX XXXX XXXX # XXXX of 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 Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (TX)

Hi. I am going to copy and paste the necessary information along with a summary of my situation. 

In XXXX, my card was used for multiple fraudulent transactions online. Some of them were connected to XXXX and my card. I live in a different country than the United States. Soon after the charges posted my Charles Schwab account and I noticed, I immediately called the bank to tell them about the fraud.

Of the 8 charges that were fraudulent that I notified them about, they only created a case for two of them, and instead of being marked as fraudulent charges, the cases were marked as basic payment disputes.

I was told that it could take 45 days to investigate. After over two months with no notice, I contacted Schwab and was told that they closed my cases because I did not provide more information for their inquiry. I was never contacted by Schwab, and I therefore could never provide more information to them. This is also when I learned that they only filed 2 cases for charge disputes.

I am not just disputing these charges ; these charges are fraud. I did not benefit from these transactions. Someone used my card on the internet without my consent, and bought items and services that I did not utilize. All of these services and items were US based. To repeat, I do not live in the United States currently or when these charges were made.

I have contacted Schwab at least 4 other times to correct this issue. I have stopped calling them because I live in a different country, and I want proof in writing of my correspondence with them. They are not understanding or responding to my fraud case and it has almost been 6 months exactly since I have contacted them. 

The charges are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.
Consumer complaint received 2022-05-14
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXXDEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # 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
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I paid my old macys credit card in the beginning of may they made all these excuses not pay my credit balance refund I finally called about it and they say I have to wait or keep transferring me to Citi bank who says they owe me the money and legally have to get me my check mailed within 7 days of my request they cancelled it when I payed off do I cant use they wrote me emails saying they are sending my refund in the mail and also sending me electronic gift card at my request they have to send me all mom money they have had its all this time when finally they said they mailed it they then say its linger I have to wait I dont they have had wrll over days to my payments to post or not they owe me {$14000.00} on one and {$5000.00} its so much money theyve had way too long I want all my money sent to me in the mail as they. Wrote to me on XX/XX/XXXX that it would be mailed and I would have within 17 days and I dont have my checks I want all my money today please have it mailed like they told me they were
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX/DEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # 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